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Get Cheap Car Insurance in Kearny, NJ
We monitor insurance prices, helping the average driver in Kearny save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Kearny
The chart below shows the cheapest car insurance company in Kearny 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.
| Kearny Insurer | Monthly Cost |
|---|---|
| State Farm | $77 |
| Geico | $80 |
| Plymouth Rock Assurance | $98 |
| NJM | $116 |
Savings for Every Kind of Kearny Driver
Based on our extensive insurance data, we know the average Kearny 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 $606 per year by choosing the right vehicle insurance company. Some Kearny residents are paying out over $2,313 extra every year for auto insurance in Kearny. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Kearny, NJ Savings / Yr. |
|---|---|
$606 |
|
$1,124 |
|
$863 |
|
$745 |
|
$2,991 |
|
$583 |
|
$907 |
Kearny Car Insurance vs. New Jersey
People living in Kearny pay an average of 27.35% more than the typical driver in the state. The average driver in Kearny can expect to pay about $1,379 per year, or $2,313 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Kearny for most people.
Car Insurance Prices by Kearny Neighborhood
Insurance Prices
Where is insurance cheapest within Kearny?
The map shows insurance prices in and around Kearny, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $476 per year within the city boundaries, with insurance premiums ranging from a high of $2,519 to a low of $2,043. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Kearny.Pick the Best Car Insurance Company for You in Kearny
The best car insurance provider for most drivers in Kearny
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $606 over the average Kearny car insurance company.
The best car insurance provider for Kearny 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 $1,124 over the competition.
The best car insurance company for Kearny drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $863 better than other car insurance companies.
The best auto insurance for Kearny drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $745 less each year.
The least expensive car insurance company for new and young drivers in Kearny
In Kearny, Geico costs young drivers $2,991 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Kearny
Geico gave the largest car insurance discounts to married couples, averaging $583 saved each year compared to an average Kearny couple's premiums.
The cheapest car insurance in Kearny for drivers with bad credit
The best Kearny car insurance company for customer service
Recent price drops
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The cheapest large national provider in Kearny
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Kearny 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 Kearny, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Kearny
What Influences the Cost of Car Insurance in Kearny?
On average, car insurance in Kearny 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:
- The average commute time in Kearny is 39 minutes, which is about the national average for a driver in the state.
- New Jersey state insurance regulations may require higher prices.
- An average of 3 to 4 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Kearny are lower than 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.
- Kearny has an average population density 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 Kearny is $115 per month for minimum coverage and $193 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
- East Newark: Insurance costs 6.79% more
- Harrison: Insurance costs 4.50% more
- North Arlington: Insurance costs 5.97% less
- Belleville: Insurance costs 4.06% less
- Silver Lake: Insurance costs 2.72% more
- Newark: Insurance costs 6.40% more
- Bloomfield: Insurance costs 5.14% less
- Lyndhurst: Insurance costs 9.60% less
- East Orange: Insurance costs 7.70% more
- Nutley: Insurance costs 12.45% less
Cities with Similar Populations
- Thibodaux: Insurance costs 35.06% more
- Elmont: Insurance costs 42.84% more
- Fairburn: Insurance costs 11.93% less
- Fairport: Insurance costs 6.05% less
- Fitchburg: Insurance costs 28.27% less
- Freehold: Insurance costs 20.32% less
- Gillette: Insurance costs 32.56% less
- Hallandale Beach: Insurance costs 41.29% more
- Atwater: Insurance costs 10.33% less
- Levittown: Insurance costs 17.55% more