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Get Cheap Car Insurance in Downtown Elizabeth, Elizabeth, NJ
We monitor insurance prices, helping the average driver in Downtown Elizabeth save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Downtown Elizabeth
The chart below shows the cheapest car insurance company in Downtown Elizabeth 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.
| Downtown Elizabeth Insurer | Monthly Cost |
|---|---|
| State Farm | $82 |
| Geico | $85 |
| Plymouth Rock Assurance | $104 |
| NJM | $123 |
Savings for Every Kind of Downtown Elizabeth Driver
Based on our extensive insurance data, we know the average Downtown Elizabeth 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 $645 per year by choosing the right vehicle insurance company. Some Downtown Elizabeth residents are paying out over $2,460 extra every year for auto insurance in Downtown Elizabeth. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Elizabeth, Elizabeth, NJ Savings / Yr. |
|---|---|
$645 |
|
$1,196 |
|
$919 |
|
$793 |
|
$3,182 |
|
$621 |
|
$965 |
Downtown Elizabeth Car Insurance vs. Elizabeth
People living in Downtown Elizabeth pay an average of 35.48% more than the typical driver in the state. The average driver in Downtown Elizabeth can expect to pay about $1,467 per year, or $2,460 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Downtown Elizabeth for most people.
Car Insurance Prices by Downtown Elizabeth Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Elizabeth?
The map shows insurance prices in and around Downtown Elizabeth, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $385 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,568 to a low of $2,183. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the South parts of Downtown Elizabeth.Pick the Best Car Insurance Company for You in Downtown Elizabeth
The best car insurance provider for most drivers in Downtown Elizabeth
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $645 over the average Downtown Elizabeth car insurance company.
The best car insurance provider for Downtown Elizabeth 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 $1,196 over the competition.
The best car insurance company for Downtown Elizabeth drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $919 better than other car insurance companies.
The best auto insurance for Downtown Elizabeth drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $793 less each year.
The least expensive car insurance company for new and young drivers in Downtown Elizabeth
In Downtown Elizabeth, Geico costs young drivers $3,182 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Elizabeth
Geico gave the largest car insurance discounts to married couples, averaging $621 saved each year compared to an average Downtown Elizabeth couple's premiums.
The cheapest car insurance in Downtown Elizabeth for drivers with bad credit
The best Downtown Elizabeth car insurance company for customer service
Nationwide was the best company for customer service in Downtown Elizabeth according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Elizabeth
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Downtown Elizabeth 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 Downtown Elizabeth, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Downtown Elizabeth
What Influences the Cost of Car Insurance in Downtown Elizabeth?
On average, car insurance in Downtown Elizabeth 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:
- New Jersey state insurance regulations may require higher prices.
- An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Elizabeth are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Downtown Elizabeth 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 Downtown Elizabeth is $122 per month for minimum coverage and $205 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
- Howland Hook: Insurance costs 29.23% more
- Weequahic: Insurance costs 2.20% more
- Lower Clinton Hill: Insurance costs 1.75% more
- Mariners Harbor: Insurance costs 25.85% more
- Upper Clinton Hill: Insurance costs 3.50% more
- South Broad Street: Insurance costs 0.73% more
- South Ironbound: Insurance costs 7.44% less
- Port Richmond: Insurance costs 25.49% more
- Constable Hook: Insurance costs 10.57% less
- Bulls Head: Insurance costs 20.45% more
Neighborhoods with Similar Populations
- Indiana University: Insurance costs 52.03% less
- Glendale: Insurance costs 30.49% less
- Terrace: Insurance costs 5.57% less
- Cathedral Park: Insurance costs 26.42% less
- Meridian-Kessler: Insurance costs 47.93% less
- Merle Hay: Insurance costs 47.89% less
- Cheltenham: Insurance costs 15.04% less
- Chinatown: Insurance costs 4.35% more
- City College Area: Insurance costs 12.68% less
- Greenland: Insurance costs 0.73% more