Cheapest Car Insurance Quotes in Elizabeth

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406,175 Policies Sold

Elizabeth Car Insurance

^$ 89

/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 Elizabeth

The car insurance rate in Elizabeth is $1807 for a six-month policy, which is $569 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1127, making it a popular choice for budget-conscious drivers. Rates in Elizabeth 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 Elizabeth

$1807

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Elizabeth

1st place: New Jersey Manufacturers

At $1127 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1362 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1378 for six months, making it the third cheapest auto insurance company in Elizabeth.

Elizabeth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elizabeth, NJ is New Jersey Manufacturers, offering policies at just $1127 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1362.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3009 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elizabeth drivers find the best deals.

Cheap Car Insurance Companies in Elizabeth, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1127	$188
New Jersey Skylands Insurance	$1362	$232
NJM	$1378	$232
Plymouth Rock	$1501	$253
Progressive	$1578	$266
Travelers	$1682	$283
Amica Mutual	$1908	$318
Allstate	$1968	$331
State Farm	$2124	$358
Selective	$2245	$378
Farmers	$3009	$502

Key Takeaways

Way's key takeaways about car insurance in Elizabeth

The auto insurance costs in Elizabeth fall around $1127 for six months.
The cheapest auto insurance company in Elizabeth is New Jersey Manufacturers.
Teen drivers pay the highest rate in Elizabeth at $1527 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 Elizabeth

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 Elizabeth are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Elizabeth. Their Average 6 Month Premium is $520. Farmers is the most expensive at $1501 for the same period.

Cheapest Liability Coverage in Elizabeth, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$520	$89
Plymouth Rock	$702	$118
NJM	$720	$121
New Jersey Skylands Insurance	$764	$127
Amica Mutual	$781	$133
Amica	$894	$149
Progressive	$894	$150
Travelers	$920	$155
State Farm	$962	$162
Allstate	$1067	$180
Selective	$1188	$200
Farmers	$1501	$250

Cheapest Full Coverage Car Insurance in Elizabeth

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 Elizabeth is New Jersey Manufacturers at $188 per month and $1127 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elizabeth, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1127	$188
New Jersey Skylands Insurance	$1362	$232
NJM	$1378	$232
Plymouth Rock	$1501	$253
Progressive	$1578	$266
Travelers	$1682	$283
Amica Mutual	$1908	$318
Allstate	$1968	$331
State Farm	$2124	$358
Selective	$2245	$378
Farmers	$3009	$502

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Average Car Insurance in Elizabeth 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 Elizabeth, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Elizabeth, 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, Elizabeth's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Elizabeth

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	$1120
30s	NJM	$870
40s	NJM	$806
50s	NJM	$743
60s	NJM	$685

Cheapest Car Insurance Rates for Teen Drivers in Elizabeth,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 Elizabeth at $133 per month. At $8985 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	$781	$133
NJM	$1561	$263
New Jersey Manufacturers	$2584	$439
Travelers	$3643	$613
Selective	$3946	$664
Plymouth Rock	$4094	$689
Amica Mutual	$4570	$777
Allstate	$4961	$835
Progressive	$5012	$844
State Farm	$5941	$1000
Farmers	$8985	$1527

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 Elizabeth.

As young drivers face the highest rates in Elizabeth, NJM offers the cheapest auto insurance rates at $1120 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 Elizabeth, Amica Mutual is the cheapest car insurance provider. At $953 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 Elizabeth is State Farm, offering rates of around $10554 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$953	$162
New Jersey Skylands Insurance	$1197	$200
Foremost	$1336	$228
NJM	$1673	$282
Progressive	$2151	$362
Plymouth Rock	$2221	$374
Farmers	$3989	$679
Selective	$4614	$769
Travelers	$4926	$838
Allstate	$5160	$860
State Farm	$10554	$1794

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Save up to $971/yr on car insurance rates in Elizabeth.

Car Insurance Rates with An Accident in Elizabeth

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

Cheapest Car Insurance Companies after an At-Fault Accident in Elizabeth

The cheapest car insurance companies after an at-fault accident in Elizabeth include New Jersey Skylands Insurance and NJM, offering $920 and $980, respectively. Farmers is an expensive provider with an average six-month premium of $5828.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$920	$153
NJM	$980	$165
New Jersey Manufacturers	$1188	$199
Plymouth Rock	$1240	$209
Amica Mutual	$1475	$248
Progressive	$2073	$349
Selective	$2811	$473
Travelers	$2879	$485
State Farm	$3330	$561
Allstate	$5203	$876
Farmers	$5828	$971

Elizabeth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elizabeth NJ. For example, the car insurance in Elizabeth after a DUI increases to $1839 for a six month policy. While the rate increases by $252 for a six-month policy in the case of a speeding ticket.

Elizabeth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1691	$282
One Med/PIP claim	$1699	$289
Not-at-fault accident	$1778	$296
One comp claim	$1796	$305
Two Med/PIP claims	$1805	$301
Speeding 6 - 10 MPH over limit	$1943	$330
Speeding 11 - 15 MPH over limit	$1952	$326
Two comp claims	$1952	$331
Failure to show documents	$1977	$330
At-fault accident - less than $1000	$2003	$340
Failure to wear a seat belt	$2029	$339
Driving too slowly	$2038	$346
Driving without lights	$2047	$342
Child safety restraint	$2082	$353
Driving with expired registration	$2082	$347
Wrong way/wrong lane	$2116	$359
Failure to yield	$2124	$355
Failure to stop at a red light	$2133	$362
Illegal turn	$2168	$362
Cell phone violation	$2194	$374
Texting while driving	$2194	$365
Speeding in school zone	$2229	$380
Operating a vehicle without permission	$2238	$372
Speeding 16 - 20 MPH over limit	$2238	$381
Improper passing	$2289	$381
Following too closely	$2298	$391
Passing school bus	$2393	$399
In 65 MPH zone	$2410	$410
Speeding 21 - 25 MPH over limit	$2489	$415
At-fault accident - $1000-$2000	$2558	$435
At-fault accident - greater than $2000	$2575	$429
Open container	$2879	$489
Reckless driving	$3374	$562
Leaving scene of an accident/hit and run	$3504	$596
DUI	$3530	$588
Refusal to submit to a chemical test	$3530	$600
Racing	$3539	$590
Driving with a suspended license	$3678	$625

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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 Elizabeth 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 Elizabeth.

The cheapest car insurance premiums in Elizabeth are offered by Plymouth Rock at $1067 for a six-month policy. However, it can be as expensive as $7970 with companies like State Farm.

Elizabeth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$1067	$180
Foremost	$1171	$196
NJM	$1180	$199
Mercury	$1353	$225
New Jersey Manufacturers	$1457	$248
Progressive	$1483	$250
Travelers	$2238	$377
Allstate	$2679	$451
Selective	$3295	$555
Farmers	$3799	$634
Amica Mutual	$7537	$1282
State Farm	$7970	$1342

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 Elizabeth are offered by Plymouth Rock at $988. However, it can be as expensive as $5100 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Elizabeth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$988	$166
NJM	$1257	$212
Progressive	$1734	$292
Selective	$2498	$416
State Farm	$2532	$431
Travelers	$2905	$485
Allstate	$4233	$720
Farmers	$5100	$850

Car Insurance Price Trends in Elizabeth, New Jersey

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

The average cost of full coverage in the Elizabeth rose by $423 in January compared to $359 of December. In other words, there has been an increase by $64 when you compare January and December.

The average cost of liability insurance in the Elizabeth rose to $142 in January, compared to $126 in December. This represents an increase of $16 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Elizabeth?

The car insurance in Elizabeth is $89 per month, which is lower than the national average.

What is the cheapest car insurance in Elizabeth?

The cheapest car insurance in Elizabeth is $188 per month for full coverage.

How much is car insurance in Elizabeth for teenagers?

Car insurance for teenagers costs $781 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 Elizabeth?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $304 per month to insure your car in Elizabeth.

Is car insurance expensive in Elizabeth?

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

Cheapest Car Insurance Quotes in Elizabeth

Why you can trust Way?

How Much Is Car Insurance in Elizabeth

Avg. Car Insurance in Elizabeth

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Elizabeth

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Elizabeth Car Insurance Rates by Company

Cheap Car Insurance Companies in Elizabeth, NJ

Way's key takeaways about car insurance in Elizabeth

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elizabeth

Cheapest Liability Coverage in Elizabeth, NJ

Cheapest Full Coverage Car Insurance in Elizabeth

Cheapest Full Coverage Car Insurance Quotes in Elizabeth, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elizabeth by Rating Factor

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

Car Insurance Premiums by Age in Elizabeth

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elizabeth,NJ

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

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 Elizabeth

Cheapest Car Insurance Companies after an At-Fault Accident in Elizabeth

Elizabeth Car Insurance Rates by Violation

Elizabeth auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elizabeth after a DUI

Elizabeth car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elizabeth after Speeding ticket

Car Insurance Price Trends in Elizabeth, New Jersey

Average Car Insurance Cost in Elizabeth by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elizabeth, NJ

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

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