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Get Cheap Car Insurance in Plainfield, NJ
We monitor insurance prices, helping the average driver in Plainfield save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Plainfield
The chart below shows the cheapest car insurance company in Plainfield 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.
| Plainfield Insurer | Monthly Cost |
|---|---|
| State Farm | $74 |
| Geico | $77 |
| Plymouth Rock Assurance | $94 |
| NJM | $112 |
Savings for Every Kind of Plainfield Driver
Based on our extensive insurance data, we know the average Plainfield 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 $583 per year by choosing the right vehicle insurance company. Some Plainfield residents are paying out over $2,226 extra every year for auto insurance in Plainfield. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Plainfield, NJ Savings / Yr. |
|---|---|
$583 |
|
$1,082 |
|
$831 |
|
$717 |
|
$2,879 |
|
$561 |
|
$873 |
Plainfield Car Insurance vs. New Jersey
People living in Plainfield pay an average of 22.56% more than the typical driver in the state. The average driver in Plainfield can expect to pay about $1,327 per year, or $2,226 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Plainfield for most people.
Car Insurance Prices by Plainfield Neighborhood
Insurance Prices
Where is insurance cheapest within Plainfield?
The map shows insurance prices in and around Plainfield, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $589 per year within the city boundaries, with insurance premiums ranging from a high of $2,397 to a low of $1,808. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of Plainfield.Pick the Best Car Insurance Company for You in Plainfield
The best car insurance provider for most drivers in Plainfield
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $583 over the average Plainfield car insurance company.
The best car insurance provider for Plainfield 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 $1,082 over the competition.
The best car insurance company for Plainfield drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $831 better than other car insurance companies.
The best auto insurance for Plainfield drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $717 less each year.
The least expensive car insurance company for new and young drivers in Plainfield
In Plainfield, Geico costs young drivers $2,879 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Plainfield
Geico gave the largest car insurance discounts to married couples, averaging $561 saved each year compared to an average Plainfield couple's premiums.
The cheapest car insurance in Plainfield for drivers with bad credit
The best Plainfield car insurance company for customer service
Nationwide was the best company for customer service in Plainfield according to the NAIC.
Recent price drops
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The cheapest large national provider in Plainfield
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Plainfield 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 Plainfield, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Plainfield
What Influences the Cost of Car Insurance in Plainfield?
On average, car insurance in Plainfield 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 Plainfield is 40 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Plainfield are among the lowest 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.
- Plainfield is a lightly populated area 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 Plainfield is $111 per month for minimum coverage and $185 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
- North Plainfield: Insurance costs 6.20% less
- Watchung: Insurance costs 13.97% less
- South Plainfield: Insurance costs 13.43% less
- Fanwood: Insurance costs 13.88% less
- Scotch Plains: Insurance costs 13.66% less
- Dunellen: Insurance costs 11.41% less
- Berkeley Heights: Insurance costs 18.01% less
- Westfield: Insurance costs 13.16% less
- Piscataway: Insurance costs 11.05% less
- Middlesex: Insurance costs 15.54% less
Cities with Similar Populations
- Potomac: Insurance costs 13.03% less
- Hollister: Insurance costs 7.50% less
- Hyattsville: Insurance costs 3.59% more
- Aloha: Insurance costs 22.78% less
- Methuen Town: Insurance costs 21.79% less
- Normal: Insurance costs 35.89% less
- North Fort Myers: Insurance costs 10.20% more
- North Highlands: Insurance costs the same
- Oak Park: Insurance costs 18.42% less
- Paramount: Insurance costs 4.36% more