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Get Cheap Car Insurance in West Orange, NJ

We monitor insurance prices, helping the average driver in West Orange save up to 37.9% on car insurance.

 

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The Cheapest Minimum Coverage in West Orange

The chart below shows the cheapest car insurance company in West 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.

 
West Orange Insurer Monthly Cost
State Farm $71
Geico $74
Plymouth Rock Assurance $91
NJM $107

Savings for Every Kind of West Orange Driver

The table shows how much the average auto insurance customer in West Orange might save by following our recommendations.

Based on our extensive insurance data, we know the average West 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 $560 per year by choosing the right vehicle insurance company. Some West Orange residents are paying out over $2,135 extra every year for auto insurance in West Orange. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
West Orange, NJ Savings / Yr.
Drivers with good records
$560
Drivers with accidents
$1,038
Drivers with speeding tickets
$797
Drivers with a DUI conviction
$688
Young drivers
$2,762
Married drivers
$538
Drivers with bad credit
$837

West Orange Car Insurance vs. New Jersey

People living in West Orange pay an average of 17.57% more than the typical driver in the state. The average driver in West Orange can expect to pay about $1,273 per year, or $2,135 for full coverage.

Based on our analysis, Geico will be the cheapest provider in West Orange for most people.

Car Insurance Prices by West Orange Neighborhood

West Orange, NJ map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within West Orange?

The map shows insurance prices in and around West Orange, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $676 per year within the city boundaries, with insurance premiums ranging from a high of $2,587 to a low of $1,911. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of West Orange.

Pick the Best Car Insurance Company for You in West Orange

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the West Orange insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in West Orange

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $560 over the average West Orange car insurance company.

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We use the average good driver, paying $131 per month, as our baseline for pricing in West Orange. Geico, NJM, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for West Orange drivers with accidents on their records

In West Orange getting into an accident will raise premiums an average 35% for a yearly cost of $3,301. That's $1,166 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Geico, NJM, and Plymouth Rock Assurance are good choices for drivers with accidents.

In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $1,038 over the competition.

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The best car insurance company for West Orange drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $797 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In West Orange, tickets raise premiums on new quotes about $454. If you have a speeding ticket, we recommend State Farm, Geico, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,589 per year.

The best auto insurance for West Orange drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,918 per year in auto insurance premiums, which was $783 more than a driver with no major issues. Geico, Progressive, and NJM penalized their customers the least for a DUI.

Getting a quote from NJM may cost the average person with a DUI about $688 less each year.

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The least expensive car insurance company for new and young drivers in West Orange

In West Orange, Geico costs young drivers $2,762 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in West Orange. With an average cost of $7,281 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and NJM try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in West Orange

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $81. State Farm, Geico, and Plymouth Rock Assurance provided the largest discounts to couples living in West Orange.

Geico gave the largest car insurance discounts to married couples, averaging $538 saved each year compared to an average West Orange couple's premiums.

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The cheapest car insurance in West Orange for drivers with bad credit

People with poor credit saved an average of $837 with NJM.

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Many people are surprised that their poor credit score can cost them an average of $1,271 every year. Premiums for people with poor credit were about $3,406 in West Orange. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and NJM.

The best West Orange car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In West Orange, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks NJM as the best provider in West Orange.

Nationwide was the best company for customer service in West Orange according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in West Orange, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in West Orange. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in West Orange

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 30% of West Orange residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average West Orange driver can expect to pay about $112 per month.

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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 West Orange, USAA has the best prices for none of the categories above.
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Auto Insurance Prices in and Around West Orange

What Influences the Cost of Car Insurance in West Orange?

On average, car insurance in West 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 West Orange is 46 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 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in West Orange 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 B+ according to CrimeGrade.org.
  • West Orange has an average population density in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in West Orange is $106 per month for minimum coverage and $178 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

Cities with Similar Populations

* Who is the average West Orange driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central West Orange with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.