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Finding the cheapest car insurance quotes in Elizabethport 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 Elizabethport
The car insurance rate in Elizabethport is $1638 for a six-month policy, which is $516 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 Elizabethport 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.
At $1127 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 $1345 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 $1362
for six months, making it
the third cheapest auto insurance company in Elizabethport.
Elizabethport Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Elizabethport, NJ is New Jersey Manufacturers, offering policies at just $1127 for a six-month term. This is followed by NJM, which has an average six-month premium of $1345.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1483 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elizabethport drivers find the best deals.
Cheap Car Insurance Companies in Elizabethport, NJ
Way's key takeaways about car insurance in Elizabethport
The auto insurance costs in Elizabethport fall around $1127 for six
months.
The cheapest auto insurance company in Elizabethport is New Jersey Manufacturers.
Teen drivers pay the highest rate in Elizabethport at $1540 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 Elizabethport
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 Elizabethport are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Elizabethport. Their Average 6 Month Premium is $520.
National General is the most
expensive at $546 for the same
period.
Cheapest Full Coverage Car Insurance in Elizabethport
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 Elizabethport is New Jersey Manufacturers
at $191 per month and $1127
for six months.
Cheapest Full Coverage Car Insurance Quotes in Elizabethport,
NJ
Get Your Car Insurance Quote in Elizabethport
Instantly!
Average Car Insurance in Elizabethport 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 Elizabethport, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Elizabethport, 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, Elizabethport's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Elizabethport
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
Elizabethport,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 Elizabethport at $133
per
month. At $9062 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 Elizabethport.
As young drivers face the highest rates in Elizabethport, 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 Elizabethport,
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
Elizabethport is Farmers, offering
rates of around $8186 for six
months.
Save up to $971/yr on car insurance rates in Elizabethport.
Car Insurance Rates with An Accident in Elizabethport
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 Elizabethport, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Elizabethport
The cheapest car insurance companies after an at-fault accident in
Elizabethport include New Jersey Skylands Insurance
and NJM, offering $920
and $945,
respectively. National General is an expensive provider
with an average six-month premium of
$634.
Here is a list of driving violations that can increase your car
insurance rates in Elizabethport NJ. For example, the car
insurance in Elizabethport
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.
Elizabethport 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 Elizabethport 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 Elizabethport.
The cheapest car insurance premiums in
Elizabethport are
offered by Plymouth Rock at $1032 for a six-month policy.
However, it can be as
expensive as $7537 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 Elizabethport are offered by Plymouth Rock
at $945. However,
it can be as expensive as $3416
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Elizabethport after Speeding ticket
Car Insurance Price Trends in Elizabethport,
New Jersey
Car insurance rates in Elizabethport have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Elizabethport rose by
$359 in December
compared to $355 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 Elizabethport rose to $126 in December,
compared to $121 in November.
This represents an increase of $5
when comparing December and November.
Average Car Insurance Cost in Elizabethport 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
Elizabethport. At $3276 for a
six-month policy, insuring
your car at 7206 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 Elizabethport?
The car insurance in Elizabethport is $86 per month, which is lower than the national average.
What is the cheapest car insurance in Elizabethport?
The cheapest car insurance in Elizabethport
is $191 per month
for full coverage.
How much is car insurance in Elizabethport 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
Elizabethport?
The average cost of car insurance is $1122 for a six-month
policy. It will cost around $276 per month to insure your
car in Elizabethport.
Is car insurance expensive in Elizabethport?
Car insurance can be expensive in Elizabethport if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Elizabethport can be
affordable.
What is the best car insurance in Elizabethport,
NJ?
The best car insurance company in Elizabethport
NJ is
New Jersey Manufacturers, offering $1127 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Elizabethport, NJ
Car Insurance Rates by State in the USA (2025 Update)
Elizabethport Car Insurance
