Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Bernardsville, NJ
We monitor insurance prices, helping the average driver in Bernardsville save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Bernardsville
The chart below shows the cheapest car insurance company in Bernardsville 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.
| Bernardsville Insurer | Monthly Cost |
|---|---|
| State Farm | $58 |
| Geico | $60 |
| Plymouth Rock Assurance | $74 |
| NJM | $88 |
Savings for Every Kind of Bernardsville Driver
Based on our extensive insurance data, we know the average Bernardsville 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 $458 per year by choosing the right vehicle insurance company. Some Bernardsville residents are paying out over $1,749 extra every year for auto insurance in Bernardsville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Bernardsville, NJ Savings / Yr. |
|---|---|
$458 |
|
$850 |
|
$653 |
|
$563 |
|
$2,262 |
|
$441 |
|
$686 |
Bernardsville Car Insurance vs. New Jersey
People living in Bernardsville pay an average of 3.69% less than the typical driver in the state. The average driver in Bernardsville can expect to pay about $1,043 per year, or $1,749 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Bernardsville for most people.
Car Insurance Prices by Bernardsville Neighborhood
Insurance Prices
Where is insurance cheapest within Bernardsville?
The map shows insurance prices in and around Bernardsville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $129 per year within the city boundaries, with insurance premiums ranging from a high of $1,814 to a low of $1,685. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Bernardsville.Pick the Best Car Insurance Company for You in Bernardsville
The best car insurance provider for most drivers in Bernardsville
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $458 over the average Bernardsville car insurance company.
The best car insurance provider for Bernardsville drivers with accidents on their records
In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $850 over the competition.
The best car insurance company for Bernardsville drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $653 better than other car insurance companies.
The best auto insurance for Bernardsville drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $563 less each year.
The least expensive car insurance company for new and young drivers in Bernardsville
In Bernardsville, Geico costs young drivers $2,262 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Bernardsville
Geico gave the largest car insurance discounts to married couples, averaging $441 saved each year compared to an average Bernardsville couple's premiums.
The cheapest car insurance in Bernardsville for drivers with bad credit
The best Bernardsville car insurance company for customer service
Nationwide was the best company for customer service in Bernardsville according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Bernardsville, which was better than other insurers.
The cheapest large national provider in Bernardsville
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Bernardsville driver can expect to pay about $112 per month.
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 Bernardsville, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Bernardsville
What Influences the Cost of Car Insurance in Bernardsville?
On average, car insurance in Bernardsville is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- The average commute time in Bernardsville is 35 minutes, which is a little less than average for a driver in the state.
- 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 Bernardsville are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Bernardsville is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Bernardsville is $87 per month for minimum coverage and $146 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 Cities
- Madisonville: Insurance costs 3.37% less
- Basking Ridge: Insurance costs 1.09% more
- Far Hills: Insurance costs 0.97% less
- Peapack and Gladstone: Insurance costs 2.63% less
- Millington: Insurance costs 0.86% more
- Mendham: Insurance costs 2.74% less
- Bernards: Insurance costs 8.29% more
- New Vernon: Insurance costs 4.00% less
- Stirling: Insurance costs 2.00% less
- Brookside: Insurance costs 4.35% less
Cities with Similar Populations
- Hamilton: Insurance costs 10.69% less
- Port Richey: Insurance costs 57.75% more
- Pittstown: Insurance costs 0.34% less
- Pitman: Insurance costs 2.57% more
- Madisonville: Insurance costs 5.83% less
- Libby: Insurance costs 7.60% less
- Hilliard: Insurance costs 38.77% more
- Highland Park: Insurance costs 1.49% more
- Harwood Heights: Insurance costs 7.03% more
- Harpers Ferry: Insurance costs 21.38% less