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Get Cheap Car Insurance in Highland Park, NJ
We monitor insurance prices, helping the average driver in Highland Park save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Highland Park
The chart below shows the cheapest car insurance company in Highland Park 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.
| Highland Park Insurer | Monthly Cost |
|---|---|
| State Farm | $63 |
| Geico | $65 |
| Plymouth Rock Assurance | $80 |
| NJM | $95 |
Savings for Every Kind of Highland Park Driver
Based on our extensive insurance data, we know the average Highland Park 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 $495 per year by choosing the right vehicle insurance company. Some Highland Park residents are paying out over $1,889 extra every year for auto insurance in Highland Park. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Highland Park, NJ Savings / Yr. |
|---|---|
$495 |
|
$918 |
|
$705 |
|
$608 |
|
$2,443 |
|
$476 |
|
$741 |
Highland Park Car Insurance vs. New Jersey
People living in Highland Park pay an average of 4.01% more than the typical driver in the state. The average driver in Highland Park can expect to pay about $1,126 per year, or $1,889 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Highland Park for most people.
Car Insurance Prices by Highland Park Neighborhood
Insurance Prices
Where is insurance cheapest within Highland Park?
The map shows insurance prices in and around Highland Park, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $300 per year within the city boundaries, with insurance premiums ranging from a high of $2,076 to a low of $1,776. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the West parts of Highland Park.Pick the Best Car Insurance Company for You in Highland Park
The best car insurance provider for most drivers in Highland Park
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $495 over the average Highland Park car insurance company.
The best car insurance provider for Highland Park 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 $918 over the competition.
The best car insurance company for Highland Park drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $705 better than other car insurance companies.
The best auto insurance for Highland Park drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $608 less each year.
The least expensive car insurance company for new and young drivers in Highland Park
In Highland Park, Geico costs young drivers $2,443 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Highland Park
Geico gave the largest car insurance discounts to married couples, averaging $476 saved each year compared to an average Highland Park couple's premiums.
The cheapest car insurance in Highland Park for drivers with bad credit
The best Highland Park car insurance company for customer service
Nationwide was the best company for customer service in Highland Park according to the NAIC.
Recent price drops
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The cheapest large national provider in Highland Park
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Highland Park 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 Highland Park, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Highland Park
What Influences the Cost of Car Insurance in Highland Park?
On average, car insurance in Highland Park 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 city are influenced by the following factors:
- 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 Highland Park are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Highland Park is one of the least populated areas 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 Highland Park is $94 per month for minimum coverage and $157 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
- New Brunswick: Insurance costs 10.59% more
- East Franklin: Insurance costs 9.21% more
- Milltown: Insurance costs 2.91% less
- Piscataway: Insurance costs 4.82% more
- Edison: Insurance costs 6.88% more
- Somerset: Insurance costs 4.08% more
- South River: Insurance costs 1.64% more
- North Brunswick: Insurance costs 4.45% more
- Metuchen: Insurance costs 1.43% more
- East Brunswick: Insurance costs 2.17% more
Cities with Similar Populations
- Keansburg: Insurance costs 1.32% less
- Rutherfordton: Insurance costs 34.25% less
- Roma: Insurance costs 0.58% less
- Rathdrum: Insurance costs 39.49% less
- Leon Valley: Insurance costs 3.44% more
- Lake Wylie: Insurance costs 12.76% less
- Lake Villa: Insurance costs 21.97% less
- Lake Ronkonkoma: Insurance costs 42.46% more
- Killen: Insurance costs 20.01% less
- Keystone Heights: Insurance costs 29.54% more