Cheapest Car Insurance Quotes in Port Elizabeth

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Port Elizabeth Car Insurance

^$ 63

/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 Port Elizabeth

The car insurance rate in Port Elizabeth 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 Port 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 Port Elizabeth

$1189

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Port Elizabeth

1st place: New Jersey Manufacturers

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 Port Elizabeth.

Port Elizabeth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Elizabeth, 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 Port Elizabeth drivers find the best deals.

Cheap Car Insurance Companies in Port Elizabeth, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$818	$139
NJM	$976	$164
New Jersey Skylands Insurance	$989	$169
Progressive	$1001	$169
Plymouth Rock	$1064	$179
Allstate	$1203	$202
Travelers	$1240	$209
State Farm	$1322	$223
Amica Mutual	$1385	$235
Selective	$1442	$241
Farmers	$1756	$299
National General	$1077	$183

Key Takeaways

Way's key takeaways about car insurance in Port Elizabeth

The auto insurance costs in Port Elizabeth fall around $818 for six months.
The cheapest auto insurance company in Port Elizabeth is New Jersey Manufacturers.
Teen drivers pay the highest rate in Port Elizabeth 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 Port 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 Port Elizabeth are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Port Elizabeth. Their Average 6 Month Premium is $377. National General is the most expensive at $396 for the same period.

Cheapest Liability Coverage in Port Elizabeth, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$377	$63
Plymouth Rock	$473	$80
Progressive	$473	$80
NJM	$510	$86
New Jersey Skylands Insurance	$554	$92
State Farm	$561	$94
Amica Mutual	$567	$94
Travelers	$567	$95
Amica	$649	$108
Selective	$686	$117
Allstate	$705	$119
Farmers	$1140	$194
National General	$396	$68

Cheapest Full Coverage Car Insurance in Port 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 Port Elizabeth is New Jersey Manufacturers at $139 per month and $818 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Elizabeth, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$818	$139
NJM	$976	$164
New Jersey Skylands Insurance	$989	$169
Progressive	$1001	$169
Plymouth Rock	$1064	$179
Allstate	$1203	$202
Travelers	$1240	$209
State Farm	$1322	$223
Amica Mutual	$1385	$235
Selective	$1442	$241
Farmers	$1756	$299
National General	$1077	$183

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Average Car Insurance in Port 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 Port Elizabeth, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Port 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, Port 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 Port 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	$813
30s	NJM	$632
40s	NJM	$585
50s	NJM	$540
60s	NJM	$497

Cheapest Car Insurance Rates for Teen Drivers in Port 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 Port Elizabeth at $96 per month. At $6579 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	$567	$96
Selective	$711	$119
NJM	$1083	$182
New Jersey Manufacturers	$1876	$313
Travelers	$2626	$442
Plymouth Rock	$2814	$474
Allstate	$2821	$475
Progressive	$3073	$517
Amica Mutual	$3318	$564
State Farm	$3639	$613
Farmers	$6579	$1118

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 Port Elizabeth.

As young drivers face the highest rates in Port Elizabeth, 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 Port Elizabeth, 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 Port Elizabeth is Farmers, offering rates of around $5943 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$692	$118
New Jersey Skylands Insurance	$869	$145
Foremost	$970	$165
NJM	$1171	$197
Progressive	$1184	$199
Plymouth Rock	$1536	$259
Allstate	$2626	$446
Travelers	$3778	$630
State Farm	$5748	$977
Farmers	$5943	$991

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

Car Insurance Rates with An Accident in Port 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 Port Elizabeth, NJ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Port Elizabeth 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.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$668	$111
NJM	$686	$116
New Jersey Manufacturers	$863	$144
Plymouth Rock	$869	$146
Selective	$1001	$166
Amica Mutual	$1071	$180
Progressive	$1335	$225
State Farm	$2041	$343
Travelers	$2153	$363
Allstate	$3003	$506
Farmers	$5421	$903
National General	$460	$76

Port Elizabeth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Elizabeth NJ. For example, the car insurance in Port Elizabeth 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.

Port Elizabeth 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 Port 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 Port Elizabeth.

The cheapest car insurance premiums in Port Elizabeth 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.

Port Elizabeth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$749	$126
NJM	$825	$139
Foremost	$850	$144
Progressive	$957	$161
Mercury	$983	$167
New Jersey Manufacturers	$1058	$176
Selective	$1120	$191
Allstate	$1600	$269
Travelers	$1668	$281
State Farm	$4868	$819
Farmers	$5390	$917
Amica Mutual	$5472	$912

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 Port Elizabeth 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 Port Elizabeth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$686	$116
NJM	$869	$146
Progressive	$983	$165
State Farm	$1392	$236
Allstate	$2103	$351
Travelers	$2210	$376
Farmers	$2480	$413

Car Insurance Price Trends in Port Elizabeth, New Jersey

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

The average cost of full coverage in the Port Elizabeth 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 Port Elizabeth rose to $91 in December, compared to $88 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Port Elizabeth?

The car insurance in Port Elizabeth is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Port Elizabeth?

The cheapest car insurance in Port Elizabeth is $139 per month for full coverage.

How much is car insurance in Port Elizabeth 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 Port Elizabeth?

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 Port Elizabeth.

Is car insurance expensive in Port Elizabeth?

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

Cheapest Car Insurance Quotes in Port Elizabeth

Why you can trust Way?

How Much Is Car Insurance in Port Elizabeth

Avg. Car Insurance in Port Elizabeth

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Port Elizabeth

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Port Elizabeth Car Insurance Rates by Company

Cheap Car Insurance Companies in Port Elizabeth, NJ

Way's key takeaways about car insurance in Port Elizabeth

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Port Elizabeth

Cheapest Liability Coverage in Port Elizabeth, NJ

Cheapest Full Coverage Car Insurance in Port Elizabeth

Cheapest Full Coverage Car Insurance Quotes in Port Elizabeth, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Port Elizabeth by Rating Factor

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

Car Insurance Premiums by Age in Port Elizabeth

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Port Elizabeth,NJ

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

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

Port Elizabeth Car Insurance Rates by Violation

Port Elizabeth auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Port Elizabeth after a DUI

Port Elizabeth car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Port Elizabeth after Speeding ticket

Car Insurance Price Trends in Port Elizabeth, New Jersey

Average Car Insurance Cost in Port Elizabeth by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Port Elizabeth, NJ

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

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