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Finding the cheapest car insurance quotes in East Brunswick shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in East Brunswick
The car insurance rate in East Brunswick is $1144 for a six-month policy, which is $22 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $787, making it a popular choice for budget-conscious drivers. Rates in East Brunswick can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
Cheapest Car Insurance Companies in East Brunswick
1st place: New Jersey Manufacturers
At $787 for a six
month policy, New Jersey Manufacturers offers
the cheapest
auto
insurance rates in the city.
2nd place: NJM
NJM offers auto
insurance rates at $939 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: New Jersey Skylands Insurance
New Jersey Skylands Insurance offers auto insurance
rates at $952
for six months, making it
the third cheapest auto insurance company in East Brunswick.
East Brunswick Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in East Brunswick, NJ is New Jersey Manufacturers, offering policies at just $787 for a six-month term. This is followed by NJM, which has an average six-month premium of $939.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1036 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Brunswick drivers find the best deals.
Cheap Car Insurance Companies in East Brunswick, NJ
Way's key takeaways about car insurance in East Brunswick
The auto insurance costs in East Brunswick fall around $787 for six
months.
The cheapest auto insurance company in East Brunswick is New Jersey Manufacturers.
Teen drivers pay the highest rate in East Brunswick at $1076 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in East Brunswick
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in East Brunswick are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in East Brunswick. Their Average 6 Month Premium is $363.
National General is the most
expensive at $381 for the same
period.
Cheapest Full Coverage Car Insurance in East Brunswick
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in East Brunswick is New Jersey Manufacturers
at $134 per month and $787
for six months.
Cheapest Full Coverage Car Insurance Quotes in East Brunswick,
NJ
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Average Car Insurance in East Brunswick by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in East Brunswick, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in East Brunswick, New Jersey, may be increasing due to several external factors.
New Jersey has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, East Brunswick's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in East Brunswick
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
NJM
$782
30s
NJM
$608
40s
NJM
$563
50s
NJM
$519
60s
NJM
$478
Cheapest Car Insurance Rates for Teen Drivers in
East Brunswick,NJ
If you are planning to get a car insurance policy for your teenage
dependent, New Jersey Skylands Insurance provides the cheapest car
insurance in the East Brunswick at $93
per
month. At $6331 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties NJM is
the best choice for car
insurance in East Brunswick.
As young drivers face the highest rates in East Brunswick, NJM
offers the cheapest auto insurance rates at $782 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in East Brunswick,
Amica Mutual is
the cheapest car insurance provider. At $666 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
East Brunswick is Farmers, offering
rates of around $5719 for six
months.
Save up to $971/yr on car insurance rates in East Brunswick.
Car Insurance Rates with An Accident in East Brunswick
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In East Brunswick, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in East Brunswick
The cheapest car insurance companies after an at-fault accident in
East Brunswick include New Jersey Skylands Insurance
and NJM, offering $643
and $660,
respectively. National General is an expensive provider
with an average six-month premium of
$443.
Here is a list of driving violations that can increase your car
insurance rates in East Brunswick NJ. For example, the car
insurance in East Brunswick
after a DUI increases to $1285 for a six
month policy. While the rate increases by $177 for a six-month policy in the case of
a speeding ticket.
East Brunswick auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1181
$197
One Med/PIP claim
$1187
$202
Not-at-fault accident
$1242
$207
One comp claim
$1255
$213
Two Med/PIP claims
$1261
$210
Speeding 6 - 10 MPH over limit
$1358
$231
Speeding 11 - 15 MPH over limit
$1364
$227
Two comp claims
$1364
$232
Failure to show documents
$1381
$231
At-fault accident - less than $1000
$1399
$238
Failure to wear a seat belt
$1418
$237
Driving too slowly
$1424
$242
Driving without lights
$1430
$239
Child safety restraint
$1455
$247
Driving with expired registration
$1455
$243
Wrong way/wrong lane
$1478
$251
Failure to yield
$1484
$248
Failure to stop at a red light
$1490
$253
Illegal turn
$1515
$253
Cell phone violation
$1533
$261
Texting while driving
$1533
$255
Speeding in school zone
$1558
$265
Operating a vehicle without permission
$1564
$260
Speeding 16 - 20 MPH over limit
$1564
$266
Improper passing
$1599
$266
Following too closely
$1605
$273
Passing school bus
$1672
$278
In 65 MPH zone
$1684
$287
Speeding 21 - 25 MPH over limit
$1739
$290
At-fault accident - $1000-$2000
$1787
$304
At-fault accident - greater than $2000
$1799
$300
Open container
$2011
$342
Reckless driving
$2357
$393
Leaving scene of an accident/hit and run
$2448
$416
DUI
$2466
$411
Refusal to submit to a chemical test
$2466
$419
Racing
$2472
$412
Driving with a suspended license
$2569
$437
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in East Brunswick after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in East Brunswick.
The cheapest car insurance premiums in
East Brunswick are
offered by Plymouth Rock at $721 for a six-month policy.
However, it can be as
expensive as $5265 with companies
like Amica Mutual.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in East Brunswick are offered by Plymouth Rock
at $660. However,
it can be as expensive as $2387
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in East Brunswick after Speeding ticket
Car Insurance Price Trends in East Brunswick,
New Jersey
Car insurance rates in East Brunswick have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the East Brunswick rose by
$251 in December
compared to $248 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the East Brunswick rose to $88 in December,
compared to $85 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in East Brunswick by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
East Brunswick. At $2288 for a
six-month policy, insuring
your car at 8816 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in East Brunswick?
The car insurance in East Brunswick is $60 per month, which is lower than the national average.
What is the cheapest car insurance in East Brunswick?
The cheapest car insurance in East Brunswick
is $134 per month
for full coverage.
How much is car insurance in East Brunswick for teenagers?
Car insurance for teenagers costs $546 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
East Brunswick?
The average cost of car insurance is $1122 for a six-month
policy. It will cost around $193 per month to insure your
car in East Brunswick.
Is car insurance expensive in East Brunswick?
Car insurance can be expensive in East Brunswick if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in East Brunswick can be
affordable.
What is the best car insurance in East Brunswick,
NJ?
The best car insurance company in East Brunswick
NJ is
New Jersey Manufacturers, offering $787 for a
six-month policy.
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East Brunswick Car Insurance
