Cheapest Car Insurance Quotes in East Orange

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East Orange Car Insurance

^$ 85

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Orange

The car insurance rate in East Orange is $1616 for a six-month policy, which is $494 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1112, making it a popular choice for budget-conscious drivers. Rates in East Orange 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.

Avg. Car Insurance in East Orange

$1616

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in East Orange

1st place: New Jersey Manufacturers

At $1112 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 $1326 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 $1344 for six months, making it the third cheapest auto insurance company in East Orange.

East Orange Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Orange, NJ is New Jersey Manufacturers, offering policies at just $1112 for a six-month term. This is followed by NJM, which has an average six-month premium of $1326.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1463 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Orange drivers find the best deals.

Cheap Car Insurance Companies in East Orange, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1112	$189
NJM	$1326	$223
New Jersey Skylands Insurance	$1344	$229
Progressive	$1359	$229
Plymouth Rock	$1446	$243
Allstate	$1634	$275
Travelers	$1685	$284
State Farm	$1796	$302
Amica Mutual	$1882	$320
Selective	$1958	$327
Farmers	$2386	$406
National General	$1463	$249

Key Takeaways

Way's key takeaways about car insurance in East Orange

The auto insurance costs in East Orange fall around $1112 for six months.
The cheapest auto insurance company in East Orange is New Jersey Manufacturers.
Teen drivers pay the highest rate in East Orange at $1519 per month.

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Cheapest Minimum Liability Car Insurance in East Orange

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 Orange are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in East Orange. Their Average 6 Month Premium is $513. National General is the most expensive at $539 for the same period.

Cheapest Liability Coverage in East Orange, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$513	$85
Plymouth Rock	$642	$108
Progressive	$642	$108
NJM	$693	$117
New Jersey Skylands Insurance	$753	$125
State Farm	$762	$128
Amica Mutual	$770	$128
Travelers	$770	$130
Amica	$881	$147
Selective	$932	$158
Allstate	$958	$161
Farmers	$1548	$264
National General	$539	$92

Cheapest Full Coverage Car Insurance in East Orange

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 Orange is New Jersey Manufacturers at $189 per month and $1112 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Orange, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1112	$189
NJM	$1326	$223
New Jersey Skylands Insurance	$1344	$229
Progressive	$1359	$229
Plymouth Rock	$1446	$243
Allstate	$1634	$275
Travelers	$1685	$284
State Farm	$1796	$302
Amica Mutual	$1882	$320
Selective	$1958	$327
Farmers	$2386	$406
National General	$1463	$249

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Average Car Insurance in East Orange 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 Orange, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in East Orange, 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 Orange'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 Orange

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	$1104
30s	NJM	$858
40s	NJM	$795
50s	NJM	$733
60s	NJM	$675

Cheapest Car Insurance Rates for Teen Drivers in East Orange,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 Orange at $131 per month. At $8938 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$770	$131
Selective	$966	$161
NJM	$1472	$248
New Jersey Manufacturers	$2549	$425
Travelers	$3567	$600
Plymouth Rock	$3823	$644
Allstate	$3832	$645
Progressive	$4175	$703
Amica Mutual	$4507	$766
State Farm	$4944	$832
Farmers	$8938	$1519

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in East Orange.

As young drivers face the highest rates in East Orange, NJM offers the cheapest auto insurance rates at $1104 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 Orange, Amica Mutual is the cheapest car insurance provider. At $940 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 Orange is Farmers, offering rates of around $8074 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$940	$160
New Jersey Skylands Insurance	$1181	$197
Foremost	$1318	$225
NJM	$1591	$268
Progressive	$1608	$271
Plymouth Rock	$2087	$351
Allstate	$3567	$606
Travelers	$5132	$855
State Farm	$7809	$1328
Farmers	$8074	$1346

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Car Insurance Rates with An Accident in East Orange

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 Orange, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in East Orange

The cheapest car insurance companies after an at-fault accident in East Orange include New Jersey Skylands Insurance and NJM, offering $907 and $932, respectively. National General is an expensive provider with an average six-month premium of $625.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$907	$151
NJM	$932	$157
New Jersey Manufacturers	$1172	$196
Plymouth Rock	$1181	$199
Selective	$1359	$226
Amica Mutual	$1454	$245
Progressive	$1813	$305
State Farm	$2772	$467
Travelers	$2925	$492
Allstate	$4080	$687
Farmers	$7364	$1227
National General	$625	$104

East Orange Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Orange NJ. For example, the car insurance in East Orange after a DUI increases to $1814 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

East Orange auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1668	$278
One Med/PIP claim	$1676	$285
Not-at-fault accident	$1754	$292
One comp claim	$1771	$301
Two Med/PIP claims	$1780	$297
Speeding 6 - 10 MPH over limit	$1917	$325
Speeding 11 - 15 MPH over limit	$1925	$321
Two comp claims	$1925	$327
Failure to show documents	$1950	$325
At-fault accident - less than $1000	$1976	$336
Failure to wear a seat belt	$2002	$334
Driving too slowly	$2010	$341
Driving without lights	$2019	$337
Child safety restraint	$2053	$348
Driving with expired registration	$2053	$343
Wrong way/wrong lane	$2087	$354
Failure to yield	$2095	$350
Failure to stop at a red light	$2104	$357
Illegal turn	$2138	$357
Cell phone violation	$2164	$369
Texting while driving	$2164	$360
Speeding in school zone	$2199	$374
Operating a vehicle without permission	$2208	$367
Speeding 16 - 20 MPH over limit	$2208	$376
Improper passing	$2258	$376
Following too closely	$2267	$386
Passing school bus	$2360	$393
In 65 MPH zone	$2377	$405
Speeding 21 - 25 MPH over limit	$2455	$409
At-fault accident - $1000-$2000	$2523	$429
At-fault accident - greater than $2000	$2540	$423
Open container	$2840	$482
Reckless driving	$3328	$554
Leaving scene of an accident/hit and run	$3456	$588
DUI	$3482	$580
Refusal to submit to a chemical test	$3482	$592
Racing	$3491	$582
Driving with a suspended license	$3627	$616

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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 Orange 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 Orange.

The cheapest car insurance premiums in East Orange are offered by Plymouth Rock at $1018 for a six-month policy. However, it can be as expensive as $7433 with companies like Amica Mutual.

East Orange car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$1018	$171
NJM	$1120	$189
Foremost	$1155	$196
Progressive	$1300	$219
Mercury	$1335	$228
New Jersey Manufacturers	$1437	$239
Selective	$1522	$259
Allstate	$2173	$366
Travelers	$2267	$382
State Farm	$6612	$1113
Farmers	$7322	$1246
Amica Mutual	$7433	$1238

Cheapest car insurance after a speeding ticket

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 Orange are offered by Plymouth Rock at $932. However, it can be as expensive as $3370 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in East Orange after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$932	$157
NJM	$1181	$199
Progressive	$1335	$225
State Farm	$1891	$321
Allstate	$2857	$477
Travelers	$3002	$511
Farmers	$3370	$562

Car Insurance Price Trends in East Orange, New Jersey

Car insurance rates in East Orange have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the East Orange rose by $354 in December compared to $350 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the East Orange rose to $124 in December, compared to $120 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in East Orange?

The car insurance in East Orange is $85 per month, which is lower than the national average.

What is the cheapest car insurance in East Orange?

The cheapest car insurance in East Orange is $189 per month for full coverage.

How much is car insurance in East Orange for teenagers?

Car insurance for teenagers costs $770 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 Orange?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $272 per month to insure your car in East Orange.

Is car insurance expensive in East Orange?

Car insurance can be expensive in East Orange if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in East Orange can be affordable.

Cheapest Car Insurance Quotes in East Orange

Why you can trust Way?

How Much Is Car Insurance in East Orange

Avg. Car Insurance in East Orange

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in East Orange

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

East Orange Car Insurance Rates by Company

Cheap Car Insurance Companies in East Orange, NJ

Way's key takeaways about car insurance in East Orange

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Orange

Cheapest Liability Coverage in East Orange, NJ

Cheapest Full Coverage Car Insurance in East Orange

Cheapest Full Coverage Car Insurance Quotes in East Orange, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Orange by Rating Factor

I have a clean driving record. Why is my car insurance rate here in East Orange, NJ increasing?

Car Insurance Premiums by Age in East Orange

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Orange,NJ

If you are in your twenties NJM is the best choice for car insurance in East Orange.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in East Orange

Cheapest Car Insurance Companies after an At-Fault Accident in East Orange

East Orange Car Insurance Rates by Violation

East Orange auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Orange after a DUI

East Orange car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Orange after Speeding ticket

Car Insurance Price Trends in East Orange, New Jersey

Average Car Insurance Cost in East Orange by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Orange, NJ

Car Insurance Rates by State in the USA (2025 Update)

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