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Get Cheap Car Insurance in Bergen-Lafayette, Jersey City, NJ

We monitor insurance prices, helping the average driver in Bergen-Lafayette save up to 37.9% on car insurance.

 

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The Cheapest Minimum Coverage in Bergen-Lafayette

The chart below shows the cheapest car insurance company in Bergen-Lafayette for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.

 
Bergen-Lafayette Insurer Monthly Cost
State Farm $83
Geico $86
Plymouth Rock Assurance $106
NJM $125

Savings for Every Kind of Bergen-Lafayette Driver

The table shows how much the average auto insurance customer in Bergen-Lafayette might save by following our recommendations.

Based on our extensive insurance data, we know the average Bergen-Lafayette driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $655 per year by choosing the right vehicle insurance company. Some Bergen-Lafayette residents are paying out over $2,499 extra every year for auto insurance in Bergen-Lafayette. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Bergen-Lafayette, Jersey City, NJ Savings / Yr.
Drivers with good records
$655
Drivers with accidents
$1,215
Drivers with speeding tickets
$933
Drivers with a DUI conviction
$805
Young drivers
$3,232
Married drivers
$630
Drivers with bad credit
$980

Bergen-Lafayette Car Insurance vs. Jersey City

People living in Bergen-Lafayette pay an average of 37.58% more than the typical driver in the state. The average driver in Bergen-Lafayette can expect to pay about $1,490 per year, or $2,499 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Bergen-Lafayette for most people.

Car Insurance Prices by Bergen-Lafayette Neighborhood

Bergen-Lafayette, Jersey City, NJ map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Bergen-Lafayette?

The map shows insurance prices in and around Bergen-Lafayette, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $448 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,658 to a low of $2,210. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northeast parts of Bergen-Lafayette.

Pick the Best Car Insurance Company for You in Bergen-Lafayette

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Bergen-Lafayette insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Bergen-Lafayette

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $655 over the average Bergen-Lafayette car insurance company.

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We use the average good driver, paying $154 per month, as our baseline for pricing in Bergen-Lafayette. Geico, NJM, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Bergen-Lafayette drivers with accidents on their records

In Bergen-Lafayette getting into an accident will raise premiums an average 35% for a yearly cost of $3,863. That's $1,365 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Geico, NJM, and Plymouth Rock Assurance are good choices for drivers with accidents.

In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $1,215 over the competition.

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The best car insurance company for Bergen-Lafayette drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $933 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Bergen-Lafayette, tickets raise premiums on new quotes about $531. If you have a speeding ticket, we recommend State Farm, Geico, and Plymouth Rock Assurance for savings that beat the average insurance cost of $3,030 per year.

The best auto insurance for Bergen-Lafayette drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,415 per year in auto insurance premiums, which was $916 more than a driver with no major issues. Geico, Progressive, and NJM penalized their customers the least for a DUI.

Getting a quote from NJM may cost the average person with a DUI about $805 less each year.

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The least expensive car insurance company for new and young drivers in Bergen-Lafayette

In Bergen-Lafayette, Geico costs young drivers $3,232 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Bergen-Lafayette. With an average cost of $8,520 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and NJM try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Bergen-Lafayette

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $95. State Farm, Geico, and Plymouth Rock Assurance provided the largest discounts to couples living in Bergen-Lafayette.

Geico gave the largest car insurance discounts to married couples, averaging $630 saved each year compared to an average Bergen-Lafayette couple's premiums.

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The cheapest car insurance in Bergen-Lafayette for drivers with bad credit

People with poor credit saved an average of $980 with NJM.

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Many people are surprised that their poor credit score can cost them an average of $1,487 every year. Premiums for people with poor credit were about $3,986 in Bergen-Lafayette. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and NJM.

The best Bergen-Lafayette car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Bergen-Lafayette, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks NJM as the best provider in Bergen-Lafayette.

Nationwide was the best company for customer service in Bergen-Lafayette according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Bergen-Lafayette, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Bergen-Lafayette. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Bergen-Lafayette

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 72% of Bergen-Lafayette residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Bergen-Lafayette driver can expect to pay about $112 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bergen-Lafayette, USAA has the best prices for none of the categories above.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Bergen-Lafayette

What Influences the Cost of Car Insurance in Bergen-Lafayette?

On average, car insurance in Bergen-Lafayette is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Bergen-Lafayette is 43 minutes, which is a little more than average for a driver in the city.
  • New Jersey state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Bergen-Lafayette are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
  • Bergen-Lafayette is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Bergen-Lafayette is $124 per month for minimum coverage and $208 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Bergen-Lafayette driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Bergen-Lafayette with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.