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Get Cheap Car Insurance in North Bergen, NJ
We monitor insurance prices, helping the average driver in North Bergen save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in North Bergen
The chart below shows the cheapest car insurance company in North Bergen 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.
| North Bergen Insurer | Monthly Cost |
|---|---|
| State Farm | $82 |
| Geico | $85 |
| Plymouth Rock Assurance | $104 |
| NJM | $123 |
Savings for Every Kind of North Bergen Driver
Based on our extensive insurance data, we know the average North Bergen 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 North Bergen residents are paying out over $2,461 extra every year for auto insurance in North Bergen. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North Bergen, NJ Savings / Yr. |
|---|---|
$645 |
|
$1,196 |
|
$919 |
|
$793 |
|
$3,183 |
|
$621 |
|
$965 |
North Bergen Car Insurance vs. New Jersey
People living in North Bergen pay an average of 35.50% more than the typical driver in the state. The average driver in North Bergen can expect to pay about $1,467 per year, or $2,461 for full coverage.
Based on our analysis, Geico will be the cheapest provider in North Bergen for most people.
Car Insurance Prices by North Bergen Neighborhood
Insurance Prices
Where is insurance cheapest within North Bergen?
The map shows insurance prices in and around North Bergen, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $294 per year within the city boundaries, with insurance premiums ranging from a high of $2,608 to a low of $2,314. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southwest parts of North Bergen.Pick the Best Car Insurance Company for You in North Bergen
The best car insurance provider for most drivers in North Bergen
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $645 over the average North Bergen car insurance company.
The best car insurance provider for North Bergen 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 North Bergen 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 North Bergen 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 North Bergen
In North Bergen, Geico costs young drivers $3,183 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North Bergen
Geico gave the largest car insurance discounts to married couples, averaging $621 saved each year compared to an average North Bergen couple's premiums.
The cheapest car insurance in North Bergen for drivers with bad credit
The best North Bergen car insurance company for customer service
Nationwide was the best company for customer service in North Bergen according to the NAIC.
Recent price drops
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The cheapest large national provider in North Bergen
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average North Bergen 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 North Bergen, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around North Bergen
What Influences the Cost of Car Insurance in North Bergen?
On average, car insurance in North Bergen 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 North Bergen is 43 minutes, which is a little more than average for a driver in the state.
- New Jersey state insurance regulations may require higher prices.
- An average of 8 to 9 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in North Bergen 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 D- according to CrimeGrade.org.
- North Bergen 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 North Bergen 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 Cities
- West New York: Insurance costs 4.23% more
- Guttenberg: Insurance costs 2.40% more
- Weehawken: Insurance costs 6.22% less
- Fairview: Insurance costs 1.50% less
- Union City: Insurance costs 3.74% more
- Cliffside Park: Insurance costs 2.32% less
- Secaucus: Insurance costs 7.60% less
- Edgewater: Insurance costs 3.29% less
- Ridgefield: Insurance costs 8.82% less
- Manhattan: Insurance costs 29.66% more
Cities with Similar Populations
- Ithaca: Insurance costs 9.06% less
- Brentwood: Insurance costs 23.93% more
- Brentwood: Insurance costs 42.79% less
- Bristol: Insurance costs 18.81% less
- Chesterfield: Insurance costs 49.33% less
- Coeur d'Alene: Insurance costs 54.73% less
- Irvington: Insurance costs 0.37% more
- Phenix City: Insurance costs 34.58% less
- Richland: Insurance costs 44.29% less
- Reynoldsburg: Insurance costs 49.05% less