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Get Cheap Car Insurance in Crosswicks, NJ

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

 

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The Cheapest Minimum Coverage in Crosswicks

The chart below shows the cheapest car insurance company in Crosswicks 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.

 
Crosswicks Insurer Monthly Cost
State Farm $60
Geico $63
Plymouth Rock Assurance $77
NJM $91

Savings for Every Kind of Crosswicks Driver

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

Based on our extensive insurance data, we know the average Crosswicks 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 $475 per year by choosing the right vehicle insurance company. Some Crosswicks residents are paying out over $1,814 extra every year for auto insurance in Crosswicks. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Crosswicks, NJ Savings / Yr.
Drivers with good records
$475
Drivers with accidents
$882
Drivers with speeding tickets
$677
Drivers with a DUI conviction
$584
Young drivers
$2,346
Married drivers
$457
Drivers with bad credit
$711

Crosswicks Car Insurance vs. New Jersey

People living in Crosswicks pay an average of 0.11% less than the typical driver in the state. The average driver in Crosswicks can expect to pay about $1,082 per year, or $1,814 for full coverage.

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

Car Insurance Prices by Crosswicks Neighborhood

Crosswicks, NJ map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Crosswicks?

The map shows insurance prices in and around Crosswicks, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $252 per year within the city boundaries, with insurance premiums ranging from a high of $1,934 to a low of $1,682. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Northeast parts of Crosswicks.

Pick the Best Car Insurance Company for You in Crosswicks

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 Crosswicks insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Crosswicks

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $475 over the average Crosswicks car insurance company.

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We use the average good driver, paying $112 per month, as our baseline for pricing in Crosswicks. 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 Crosswicks drivers with accidents on their records

In Crosswicks getting into an accident will raise premiums an average 35% for a yearly cost of $2,805. That's $991 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 $882 over the competition.

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The best car insurance company for Crosswicks drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $677 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 Crosswicks, tickets raise premiums on new quotes about $386. If you have a speeding ticket, we recommend State Farm, Geico, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,200 per year.

The best auto insurance for Crosswicks drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,479 per year in auto insurance premiums, which was $665 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 $584 less each year.

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The least expensive car insurance company for new and young drivers in Crosswicks

In Crosswicks, Geico costs young drivers $2,346 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 Crosswicks. With an average cost of $6,186 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 Crosswicks

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $69. State Farm, Geico, and Plymouth Rock Assurance provided the largest discounts to couples living in Crosswicks.

Geico gave the largest car insurance discounts to married couples, averaging $457 saved each year compared to an average Crosswicks couple's premiums.

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The cheapest car insurance in Crosswicks for drivers with bad credit

People with poor credit saved an average of $711 with NJM.

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Many people are surprised that their poor credit score can cost them an average of $1,080 every year. Premiums for people with poor credit were about $2,894 in Crosswicks. 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 Crosswicks car insurance company for customer service

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

Nationwide was the best company for customer service in Crosswicks 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 Crosswicks, 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 Crosswicks. 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 Crosswicks

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 6.0% of Crosswicks residents who are renting, and don't plan to be in the city or state 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 Crosswicks 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 Crosswicks, USAA has the best prices for none of the categories above.
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Auto Insurance Prices in and Around Crosswicks

What Influences the Cost of Car Insurance in Crosswicks?

On average, car insurance in Crosswicks 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 Crosswicks is 36 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 Crosswicks are among the lowest 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.
  • Crosswicks 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 Crosswicks is $90 per month for minimum coverage and $151 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

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* Who is the average Crosswicks driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Crosswicks 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.