Best South Orange, NJ Car Insurance in 2024
Car insurance in South Orange, NJ averages $574 a month. South Orange, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap South Orange car insurance rates, compare quotes from the top car insurance companies in South Orange, NJ.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in South Orange, NJ are $6,884/year
- Average car insurance rates in South Orange, NJ after a DUI are $8,159/year
- The cheapest car insurance company in South Orange is Geico
If you need to buy South Orange, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in South Orange, NJ is right here.
You’ll find South Orange car insurance rates, the cheapest South Orange, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare South Orange, New Jersey car insurance rates to Paterson car insurance rates, Passaic car insurance rates, and Jersey City car insurance rates.
Ready to find affordable South Orange, NJ car insurance today? Enter your ZIP code for fast, free South Orange car insurance quotes.
Cheapest South Orange, NJ Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect South Orange, NJ car insurance rates? Every South Orange, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,139 | $4,121 | $4,013 | $4,013 | $13,053 | $15,968 | $4,871 | $5,017 |
| Farmers | $6,280 | $6,358 | $6,094 | $5,989 | $19,045 | $22,009 | $7,515 | $7,774 |
| Geico | $2,450 | $2,403 | $2,388 | $2,388 | $4,462 | $4,488 | $2,814 | $2,759 |
| Liberty Mutual | $5,267 | $5,267 | $5,790 | $5,790 | $13,815 | $15,695 | $5,790 | $6,666 |
| Progressive | $2,621 | $2,420 | $2,357 | $2,414 | $12,318 | $13,708 | $3,122 | $3,019 |
| State Farm | $5,973 | $5,973 | $5,408 | $5,408 | $19,769 | $25,394 | $6,823 | $7,619 |
| Travelers | $3,379 | $3,316 | $3,136 | $3,187 | $7,896 | $9,101 | $3,321 | $3,320 |
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Minimum Car Insurance in South Orange, NJ
Every driver must carry the minimum car insurance in South Orange, NJ. Take a look at the New Jersey car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest South Orange, NJ Car Insurance Rates by Credit Score
Your credit affects car insurance costs in South Orange, NJ. Compare credit history car insurance rates in South Orange from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,636 | $6,186 | $4,877 |
| Farmers | $12,042 | $9,440 | $8,916 |
| Geico | $4,556 | $2,613 | $1,888 |
| Liberty Mutual | $10,166 | $7,522 | $6,343 |
| Progressive | $5,876 | $5,128 | $4,738 |
| State Farm | $14,932 | $8,976 | $6,981 |
| Travelers | $6,125 | $4,506 | $3,114 |
Cheapest South Orange, NJ Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in South Orange, NJ to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,174 | $8,618 | $7,510 | $6,296 |
| Farmers | $7,802 | $13,416 | $10,786 | $8,528 |
| Geico | $2,343 | $3,087 | $4,301 | $2,343 |
| Liberty Mutual | $7,691 | $8,806 | $7,853 | $7,691 |
| Progressive | $4,515 | $6,045 | $5,155 | $5,273 |
| State Farm | $5,560 | $10,186 | $16,422 | $9,015 |
| Travelers | $3,518 | $5,198 | $5,085 | $4,526 |
Cheapest South Orange, NJ Car Insurance for Teen Drivers
Teen car insurance in South Orange, NJ can be expensive. Take a look at rates from the top car insurance companies in South Orange for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,053 | $15,968 |
| Farmers | $19,045 | $22,009 |
| Geico | $4,462 | $4,488 |
| Liberty Mutual | $13,815 | $15,695 |
| Progressive | $12,318 | $13,708 |
| State Farm | $19,769 | $25,394 |
| Travelers | $7,896 | $9,101 |
Cheapest South Orange, NJ Car Insurance for Seniors
Take a look at South Orange, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,013 | $4,013 |
| Farmers | $6,094 | $5,989 |
| Geico | $2,388 | $2,388 |
| Liberty Mutual | $5,790 | $5,790 |
| Progressive | $2,357 | $2,414 |
| State Farm | $5,408 | $5,408 |
| Travelers | $3,136 | $3,187 |
Cheapest South Orange, NJ Car Insurance Rates After a DUI
A DUI in South Orange, NJ increases car insurance rates. Compare South Orange, New Jersey DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,510 |
| Farmers | $10,786 |
| Geico | $4,301 |
| Liberty Mutual | $7,853 |
| Progressive | $5,155 |
| State Farm | $16,422 |
| Travelers | $5,085 |
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Cheapest South Orange, NJ Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in South Orange, NJ by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,887 | $6,912 |
| Farmers | $10,133 | $10,133 |
| Geico | $2,994 | $3,044 |
| Liberty Mutual | $7,932 | $8,089 |
| Progressive | $5,247 | $5,247 |
| State Farm | $10,023 | $10,569 |
| Travelers | $4,582 | $4,582 |
The Best Cheap Car Insurance Companies in South Orange, NJ
Take a look at a side-by-side comparison of the top car insurance companies in South Orange, NJ to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,899 |
| Farmers | $10,133 |
| Geico | $3,019 |
| Liberty Mutual | $8,010 |
| Progressive | $5,247 |
| State Farm | $10,296 |
| Travelers | $4,582 |
Category Winners: Cheapest Car Insurance in South Orange, New Jersey
Find the cheapest car insurance companies in South Orange, NJ for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Progressive |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
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Cheapest South Orange, NJ Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your South Orange car insurance rates. Find the cheapest South Orange, NJ car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,342 | $7,004 | $7,352 |
| Farmers | $9,182 | $10,075 | $11,142 |
| Geico | $2,697 | $3,078 | $3,282 |
| Liberty Mutual | $7,202 | $8,246 | $8,582 |
| Progressive | $4,798 | $5,322 | $5,622 |
| State Farm | $9,513 | $10,439 | $10,935 |
| Travelers | $4,131 | $4,578 | $5,036 |
Compare Car Insurance Quotes in South Orange, NJ
Ready to find affordable South Orange, New Jersey car insurance today? Enter your ZIP code for fast, free South Orange, NJ car insurance quotes.
Frequently Asked Questions
What are the minimum car insurance requirements in South Orange, NJ?
South Orange, NJ requires drivers to have 15/30/5 liability coverage. However, if your car is financed, you might need full coverage insurance.
How does age, gender, and marital status affect car insurance rates in South Orange, NJ?
Car insurance companies in South Orange, NJ consider age, gender, and marital status differently when determining rates. Comparison shopping is recommended to find the best rates.
Does credit score affect car insurance costs in South Orange, NJ?
Yes, your credit score can impact car insurance rates in South Orange, NJ. Rates may vary for individuals with good, fair, and poor credit.
How does a driving record affect car insurance rates in South Orange, NJ?
Your driving record is a significant factor in determining car insurance costs in South Orange, NJ. Compare rates for a clean record versus rates for a bad driving record.
Are there affordable car insurance options for teen drivers in South Orange, NJ?
Teen car insurance can be expensive in South Orange, NJ, but comparing rates from different companies can help find more affordable options.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.