Buy Cheap Elmwood Park, NJ Auto Insurance in 2023
Elmwood Park, NJ auto insurance rates average $611 a month. Minimum auto insurance requirements in Elmwood Park, New Jersey are 15/30/5 to comply with New Jersey laws. To buy cheap auto insurance in Elmwood Park, NJ, compare Elmwood Park auto insurance quotes from top companies.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page 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: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Elmwood Park is State Farm
- Average auto insurance rates in Elmwood Park, NJ after a DUI are $8,730/year
- Average auto insurance rates in Elmwood Park, NJ are $611/month
Finding affordable Elmwood Park, New Jersey auto insurance can be challenging, but everything you need to know to buy cheap Elmwood Park, NJ auto insurance with confidence is right here. Auto insurance rates in Elmwood Park are affected by local factors as well as personal ones like your driving record.
See how Elmwood Park, NJ car insurance rates compare to Camden auto insurance rates, Union City auto insurance rates, and Paterson auto insurance rates before you read more about the cost of auto insurance in Elmwood Park.
Don’t buy Elmwood Park, NJ auto insurance until you’ve compared rates. Get free Elmwood Park, New Jersey auto insurance quotes when you enter your ZIP code above.
Elmwood Park, NJ Minimum Auto Insurance Requirements
The required auto insurance in Elmwood Park, NJ is 15/30/5 according to the auto insurance laws in New Jersey. The minimum auto insurance in Elmwood Park, New Jersey is outlined here.
| 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 |
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Find Cheap Elmwood Park, NJ Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Elmwood Park, NJ. Take a look at Elmwood Park, New Jersey auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $10,255 | $6,472 | $5,076 |
| Farmers | $11,990 | $9,222 | $8,679 |
| Geico | $5,294 | $3,022 | $2,176 |
| Liberty Mutual | $11,509 | $8,506 | $7,165 |
| Progressive | $5,666 | $4,909 | $4,506 |
| State Farm | $15,975 | $9,597 | $7,461 |
| Travelers | $7,501 | $5,380 | $3,559 |
Buy Cheap Elmwood Park, NJ Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Elmwood Park, New Jersey auto insurance rates? Find out how car insurance rates in Elmwood Park, NJ are impacted by demographics.
| 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 | $4,428 | $4,409 | $4,331 | $4,331 | $13,756 | $16,344 | $5,254 | $5,287 |
| Farmers | $6,400 | $6,449 | $6,243 | $6,053 | $18,385 | $21,055 | $7,561 | $7,562 |
| Geico | $2,840 | $2,801 | $2,788 | $2,788 | $5,217 | $5,104 | $3,291 | $3,148 |
| Liberty Mutual | $5,948 | $5,948 | $6,542 | $6,542 | $15,645 | $17,777 | $6,542 | $7,535 |
| Progressive | $2,590 | $2,372 | $2,329 | $2,421 | $11,816 | $12,775 | $3,062 | $2,854 |
| State Farm | $6,360 | $6,360 | $5,773 | $5,773 | $21,202 | $27,218 | $7,276 | $8,127 |
| Travelers | $4,257 | $4,060 | $3,952 | $3,939 | $9,301 | $10,309 | $4,062 | $3,961 |
Buy Cheap Elmwood Park, NJ Auto Insurance for Teen Drivers
Auto insurance for teenagers in Elmwood Park can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Elmwood Park, NJ are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,756 | $16,344 |
| Farmers | $18,385 | $21,055 |
| Geico | $5,217 | $5,104 |
| Liberty Mutual | $15,645 | $17,777 |
| Progressive | $11,816 | $12,775 |
| State Farm | $21,202 | $27,218 |
| Travelers | $9,301 | $10,309 |
Buy Cheap Elmwood Park, NJ Auto Insurance for Seniors
You can save on senior auto insurance rates in Elmwood Park, New Jersey by comparing Elmwood Park senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Elmwood Park, NJ here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,331 | $4,331 |
| Farmers | $6,243 | $6,053 |
| Geico | $2,788 | $2,788 |
| Liberty Mutual | $6,542 | $6,542 |
| Progressive | $2,329 | $2,421 |
| State Farm | $5,773 | $5,773 |
| Travelers | $3,952 | $3,939 |
Find Cheap Auto Insurance Rates in Elmwood Park, NJ by Coverage Level
The amount of coverage you choose is a big factor in the cost of Elmwood Park, New Jersey auto insurance. Compare Elmwood Park, NJ auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,620 | $7,389 | $7,794 |
| Farmers | $8,904 | $9,878 | $11,108 |
| Geico | $3,089 | $3,570 | $3,833 |
| Liberty Mutual | $8,085 | $9,338 | $9,757 |
| Progressive | $4,514 | $5,103 | $5,464 |
| State Farm | $10,146 | $11,169 | $11,718 |
| Travelers | $4,972 | $5,470 | $5,997 |
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Find Cheap Elmwood Park, NJ Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Elmwood Park. Compare auto insurance rates in Elmwood Park, NJ by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $7,254 | $7,281 |
| Farmers | $9,964 | $9,964 |
| Geico | $3,467 | $3,528 |
| Liberty Mutual | $8,971 | $9,149 |
| Progressive | $5,027 | $5,027 |
| State Farm | $10,716 | $11,306 |
| Travelers | $5,480 | $5,480 |
Find Cheap Elmwood Park, NJ Auto Insurance Rates by Driving Record
Auto insurance rates in Elmwood Park, New Jersey are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Elmwood Park, NJ, take a look at the average cost for various violations versus rates for a clean driving record in Elmwood Park.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,436 | $9,101 | $7,906 | $6,628 |
| Farmers | $7,734 | $13,093 | $10,726 | $8,301 |
| Geico | $2,708 | $3,577 | $4,996 | $2,708 |
| Liberty Mutual | $8,697 | $9,966 | $8,880 | $8,697 |
| Progressive | $4,270 | $5,854 | $4,950 | $5,035 |
| State Farm | $5,941 | $10,897 | $17,564 | $9,643 |
| Travelers | $4,177 | $6,320 | $6,084 | $5,338 |
Find Cheap Elmwood Park, NJ Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Elmwood Park, New Jersey is higher than for a clean driving record. You can buy auto insurance after a DUI in Elmwood Park for less when you shop around and compare rates from multiple Elmwood Park, NJ auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,906 |
| Farmers | $10,726 |
| Geico | $4,996 |
| Liberty Mutual | $8,880 |
| Progressive | $4,950 |
| State Farm | $17,564 |
| Travelers | $6,084 |
Winners by Category: Where to Buy Cheap Auto Insurance in Elmwood Park, NJ
Compare rates from the cheapest auto insurance companies in Elmwood Park, NJ for your needs. Take a look at how Elmwood Park, New Jersey auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Progressive |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
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Find Cheap Elmwood Park, New Jersey Auto Insurance Companies
If you’re looking for the cheapest Elmwood Park, NJ auto insurance companies overall, you can compare them here. Find the best price for Elmwood Park, New Jersey car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,268 |
| Farmers | $9,964 |
| Geico | $3,497 |
| Liberty Mutual | $9,060 |
| Progressive | $5,027 |
| State Farm | $11,011 |
| Travelers | $5,480 |
What affects Elmwood Park, New Jersey auto insurance rates?
Local factors affect auto insurance rates in Elmwood Park, NJ, including traffic, theft statistics, and commute length. Take a look at the things that impact Elmwood Park auto insurance rates.
Commute Times in Elmwood Park
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elmwood Park, NJ is 24.8 minutes according to City-Data.
Compare Auto Insurance Quotes in Elmwood Park, NJ
You can buy cheap Elmwood Park, NJ auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Elmwood Park, New Jersey auto insurance quotes from top companies.
Frequently Asked Questions
What are some ways to find cheap auto insurance in Elmwood Park, NJ?
Here are some ways to find cheap auto insurance in Elmwood Park, NJ:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record to qualify for lower premiums.
- Consider bundling your auto insurance with other policies, such as home or renters insurance, for potential discounts.
- Opt for a higher deductible, which can lower your premium but means you’ll pay more out of pocket in case of a claim.
Does buying cheap auto insurance mean compromising on coverage?
Not necessarily. While cheap auto insurance may have lower premiums, it’s essential to carefully review the coverage options and limits provided. Make sure the policy meets your needs and provides adequate protection for your vehicle and yourself.
What factors can affect the cost of auto insurance in Elmwood Park, NJ?
Several factors can influence the cost of auto insurance, including:
- Your driving record and history of accidents or violations.
- The type of vehicle you drive, including its make, model, and age.
- Your age and gender, as some demographics may be considered higher risk.
- The coverage options you choose, such as liability, comprehensive, or collision coverage.
- Your credit history, as some insurance companies use it as a factor in determining rates.
Are there any discounts available for cheap auto insurance in Elmwood Park, NJ?
Yes, many insurance providers offer various discounts that can help lower your premiums. Some common discounts include:
- Multi-policy discount for bundling multiple policies.
- Good driver discount for maintaining a clean driving record.
- Safety feature discounts for having anti-theft devices or safety equipment in your vehicle.
- Good student discount for students who maintain good grades.
- Low mileage discount for driving fewer miles annually.
What are the pros and cons of buying cheap auto insurance?
Pros:
- Lower premiums, which can save you money.
- Affordable coverage options for budget-conscious individuals.
- Potential discounts and savings opportunities.
- Meets minimum legal requirements for auto insurance.
Cons:
- Limited coverage options and lower policy limits.
- Higher deductibles, which can result in more out-of-pocket expenses.
- Less comprehensive coverage for certain situations.
- Possible lack of customer support or limited claim assistance.
Compare Quotes From Top Companies and Save
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed 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.