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Get Cheap Car Insurance in South Orange, NJ
We monitor insurance prices, helping the average driver in South Orange save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in South Orange
The chart below shows the cheapest car insurance company in South Orange 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.
| South Orange Insurer | Monthly Cost |
|---|---|
| State Farm | $74 |
| Geico | $77 |
| Plymouth Rock Assurance | $94 |
| NJM | $111 |
Savings for Every Kind of South Orange Driver
Based on our extensive insurance data, we know the average South Orange 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 $581 per year by choosing the right vehicle insurance company. Some South Orange residents are paying out over $2,215 extra every year for auto insurance in South Orange. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Orange, NJ Savings / Yr. |
|---|---|
$581 |
|
$1,077 |
|
$827 |
|
$714 |
|
$2,866 |
|
$559 |
|
$869 |
South Orange Car Insurance vs. New Jersey
People living in South Orange pay an average of 22.00% more than the typical driver in the state. The average driver in South Orange can expect to pay about $1,321 per year, or $2,215 for full coverage.
Based on our analysis, Geico will be the cheapest provider in South Orange for most people.
Car Insurance Prices by South Orange Neighborhood
Insurance Prices
Where is insurance cheapest within South Orange?
The map shows insurance prices in and around South Orange, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $453 per year within the city boundaries, with insurance premiums ranging from a high of $2,483 to a low of $2,030. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southeast parts of South Orange.Pick the Best Car Insurance Company for You in South Orange
The best car insurance provider for most drivers in South Orange
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $581 over the average South Orange car insurance company.
The best car insurance provider for South Orange 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 $1,077 over the competition.
The best car insurance company for South Orange drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $827 better than other car insurance companies.
The best auto insurance for South Orange drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $714 less each year.
The least expensive car insurance company for new and young drivers in South Orange
In South Orange, Geico costs young drivers $2,866 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Orange
Geico gave the largest car insurance discounts to married couples, averaging $559 saved each year compared to an average South Orange couple's premiums.
The cheapest car insurance in South Orange for drivers with bad credit
The best South Orange car insurance company for customer service
Nationwide was the best company for customer service in South Orange according to the NAIC.
Recent price drops
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The cheapest large national provider in South Orange
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average South Orange 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 South Orange, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around South Orange
What Influences the Cost of Car Insurance in South Orange?
On average, car insurance in South Orange 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 South Orange is 49 minutes, which is far more than 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 South Orange are among the lowest 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 B+ according to CrimeGrade.org.
- South Orange 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 South Orange is $110 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
- Maplewood: Insurance costs 1.49% more
- Irvington: Insurance costs 11.51% more
- Orange: Insurance costs 12.51% more
- Vauxhall: Insurance costs 6.86% more
- East Orange: Insurance costs 12.46% more
- Millburn: Insurance costs 4.74% less
- West Orange: Insurance costs 3.61% less
- Short Hills: Insurance costs 11.38% less
- Union: Insurance costs 2.80% less
- Newark: Insurance costs 11.11% more
Cities with Similar Populations
- Selah: Insurance costs 40.77% less
- Erlanger: Insurance costs 7.31% less
- Estelle: Insurance costs 67.72% more
- Exton: Insurance costs 36.30% less
- Fairfax Station: Insurance costs 41.49% less
- Fairland: Insurance costs 1.08% less
- Fillmore: Insurance costs 4.33% less
- Forest City: Insurance costs 43.39% less
- Forked River: Insurance costs 21.49% less
- Safety Harbor: Insurance costs 25.28% more