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Finding the cheapest car insurance quotes in Livingston 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 Livingston
The car insurance rate in Livingston is $1189 for a six-month policy, which is $67 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $818, making it a popular choice for budget-conscious drivers. Rates in Livingston 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 $818 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 $976 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 $989
for six months, making it
the third cheapest auto insurance company in Livingston.
Livingston Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Livingston, NJ is New Jersey Manufacturers, offering policies at just $818 for a six-month term. This is followed by NJM, which has an average six-month premium of $976.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1077 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Livingston drivers find the best deals.
Way's key takeaways about car insurance in Livingston
The auto insurance costs in Livingston fall around $818 for six
months.
The cheapest auto insurance company in Livingston is New Jersey Manufacturers.
Teen drivers pay the highest rate in Livingston at $1118 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 Livingston
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 Livingston are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Livingston. Their Average 6 Month Premium is $377.
National General is the most
expensive at $396 for the same
period.
Cheapest Full Coverage Car Insurance in Livingston
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 Livingston is New Jersey Manufacturers
at $139 per month and $818
for six months.
Cheapest Full Coverage Car Insurance Quotes in Livingston,
NJ
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Average Car Insurance in Livingston 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 Livingston, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Livingston, 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, Livingston's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Livingston
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
$813
30s
NJM
$632
40s
NJM
$585
50s
NJM
$540
60s
NJM
$497
Cheapest Car Insurance Rates for Teen Drivers in
Livingston,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 Livingston at $96
per
month. At $6579 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 Livingston.
As young drivers face the highest rates in Livingston, NJM
offers the cheapest auto insurance rates at $813 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 Livingston,
Amica Mutual is
the cheapest car insurance provider. At $692 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
Livingston is Farmers, offering
rates of around $5943 for six
months.
Save up to $971/yr on car insurance rates in Livingston.
Car Insurance Rates with An Accident in Livingston
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 Livingston, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Livingston
The cheapest car insurance companies after an at-fault accident in
Livingston include New Jersey Skylands Insurance
and NJM, offering $668
and $686,
respectively. National General is an expensive provider
with an average six-month premium of
$460.
Here is a list of driving violations that can increase your car
insurance rates in Livingston NJ. For example, the car
insurance in Livingston
after a DUI increases to $1336 for a six
month policy. While the rate increases by $184 for a six-month policy in the case of
a speeding ticket.
Livingston auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1227
$205
One Med/PIP claim
$1234
$210
Not-at-fault accident
$1291
$215
One comp claim
$1304
$222
Two Med/PIP claims
$1310
$218
Speeding 6 - 10 MPH over limit
$1411
$240
Speeding 11 - 15 MPH over limit
$1417
$236
Two comp claims
$1417
$241
Failure to show documents
$1435
$240
At-fault accident - less than $1000
$1454
$247
Failure to wear a seat belt
$1473
$246
Driving too slowly
$1480
$251
Driving without lights
$1486
$248
Child safety restraint
$1512
$257
Driving with expired registration
$1512
$252
Wrong way/wrong lane
$1536
$261
Failure to yield
$1542
$258
Failure to stop at a red light
$1549
$263
Illegal turn
$1574
$263
Cell phone violation
$1593
$271
Texting while driving
$1593
$265
Speeding in school zone
$1619
$276
Operating a vehicle without permission
$1625
$270
Speeding 16 - 20 MPH over limit
$1625
$277
Improper passing
$1662
$277
Following too closely
$1668
$284
Passing school bus
$1737
$289
In 65 MPH zone
$1750
$298
Speeding 21 - 25 MPH over limit
$1807
$301
At-fault accident - $1000-$2000
$1857
$316
At-fault accident - greater than $2000
$1870
$312
Open container
$2090
$355
Reckless driving
$2450
$408
Leaving scene of an accident/hit and run
$2544
$432
DUI
$2563
$427
Refusal to submit to a chemical test
$2563
$436
Racing
$2569
$428
Driving with a suspended license
$2670
$454
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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 Livingston 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 Livingston.
The cheapest car insurance premiums in
Livingston are
offered by Plymouth Rock at $749 for a six-month policy.
However, it can be as
expensive as $5472 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 Livingston are offered by Plymouth Rock
at $686. However,
it can be as expensive as $2480
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Livingston after Speeding ticket
Car Insurance Price Trends in Livingston,
New Jersey
Car insurance rates in Livingston have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Livingston rose by
$261 in December
compared to $258 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 Livingston rose to $91 in December,
compared to $88 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Livingston 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
Livingston. At $2378 for a
six-month policy, insuring
your car at 7039 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 Livingston?
The car insurance in Livingston is $63 per month, which is lower than the national average.
What is the cheapest car insurance in Livingston?
The cheapest car insurance in Livingston
is $139 per month
for full coverage.
How much is car insurance in Livingston for teenagers?
Car insurance for teenagers costs $567 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
Livingston?
The average cost of car insurance is $1122 for a six-month
policy. It will cost around $200 per month to insure your
car in Livingston.
Is car insurance expensive in Livingston?
Car insurance can be expensive in Livingston if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Livingston can be
affordable.
What is the best car insurance in Livingston,
NJ?
The best car insurance company in Livingston
NJ is
New Jersey Manufacturers, offering $818 for a
six-month policy.
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Livingston Car Insurance
