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Get Cheap Car Insurance in Caldwell, NJ
We monitor insurance prices, helping the average driver in Caldwell save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Caldwell
The chart below shows the cheapest car insurance company in Caldwell 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.
| Caldwell Insurer | Monthly Cost |
|---|---|
| State Farm | $59 |
| Geico | $62 |
| Plymouth Rock Assurance | $76 |
| NJM | $90 |
Savings for Every Kind of Caldwell Driver
Based on our extensive insurance data, we know the average Caldwell 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 $469 per year by choosing the right vehicle insurance company. Some Caldwell residents are paying out over $1,789 extra every year for auto insurance in Caldwell. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Caldwell, NJ Savings / Yr. |
|---|---|
$469 |
|
$870 |
|
$668 |
|
$576 |
|
$2,315 |
|
$451 |
|
$702 |
Caldwell Car Insurance vs. New Jersey
People living in Caldwell pay an average of 1.46% less than the typical driver in the state. The average driver in Caldwell can expect to pay about $1,067 per year, or $1,789 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Caldwell for most people.
Car Insurance Prices by Caldwell Neighborhood
Insurance Prices
Where is insurance cheapest within Caldwell?
The map shows insurance prices in and around Caldwell, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $190 per year within the city boundaries, with insurance premiums ranging from a high of $1,901 to a low of $1,711. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the East parts of Caldwell.Pick the Best Car Insurance Company for You in Caldwell
The best car insurance provider for most drivers in Caldwell
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $469 over the average Caldwell car insurance company.
The best car insurance provider for Caldwell 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 $870 over the competition.
The best car insurance company for Caldwell drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $668 better than other car insurance companies.
The best auto insurance for Caldwell drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $576 less each year.
The least expensive car insurance company for new and young drivers in Caldwell
In Caldwell, Geico costs young drivers $2,315 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Caldwell
Geico gave the largest car insurance discounts to married couples, averaging $451 saved each year compared to an average Caldwell couple's premiums.
The cheapest car insurance in Caldwell for drivers with bad credit
The best Caldwell car insurance company for customer service
Recent price drops
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The cheapest large national provider in Caldwell
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Caldwell 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 Caldwell, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Caldwell
What Influences the Cost of Car Insurance in Caldwell?
On average, car insurance in Caldwell 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 Caldwell is 34 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 Caldwell are about 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 A according to CrimeGrade.org.
- Caldwell is a lightly populated area in the state. The city’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 Caldwell is $89 per month for minimum coverage and $149 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
- Essex Fells: Insurance costs 3.24% more
- North Caldwell: Insurance costs 1.34% more
- Roseland: Insurance costs 0.22% more
- Verona: Insurance costs 3.13% more
- Fairfield: Insurance costs 1.34% less
- Cedar Grove: Insurance costs 6.04% more
- Pine Brook: Insurance costs 3.41% more
- Little Falls: Insurance costs 6.04% more
- Montclair: Insurance costs 20.01% more
- West Orange: Insurance costs 19.34% more
Cities with Similar Populations
- Seaford: Insurance costs 48.13% more
- Horseheads: Insurance costs 15.32% more
- Howard: Insurance costs 40.86% less
- Hudson: Insurance costs 13.08% less
- Shorewood: Insurance costs 17.94% less
- Sharpsburg: Insurance costs 0.34% less
- Indian Land: Insurance costs 9.22% less
- Ionia: Insurance costs 67.47% more
- Sellersburg: Insurance costs 34.66% less
- Jackson: Insurance costs 0.34% more