We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in South Orange 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 South Orange
The car insurance rate in South Orange is $1560 for a six-month policy, which is $322 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $973, making it a popular choice for budget-conscious drivers. Rates in South 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.
At $973 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 $1176 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: NJM
NJM offers auto insurance
rates at $1189
for six months, making it
the third cheapest auto insurance company in South Orange.
South Orange Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in South Orange, NJ is New Jersey Manufacturers, offering policies at just $973 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1176.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2597 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Orange drivers find the best deals.
Way's key takeaways about car insurance in South Orange
The auto insurance costs in South Orange fall around $973 for six
months.
The cheapest auto insurance company in South Orange is New Jersey Manufacturers.
Teen drivers pay the highest rate in South Orange at $1318 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 South 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 South Orange are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in South Orange. Their Average 6 Month Premium is $449.
Farmers is the most
expensive at $1295 for the same
period.
Cheapest Full Coverage Car Insurance in South 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 South Orange is New Jersey Manufacturers
at $163 per month and $973
for six months.
Cheapest Full Coverage Car Insurance Quotes in South Orange,
NJ
Get Your Car Insurance Quote in South Orange
Instantly!
Average Car Insurance in South 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 South Orange, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in South 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, South 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 South 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
$966
30s
NJM
$751
40s
NJM
$696
50s
NJM
$641
60s
NJM
$591
Cheapest Car Insurance Rates for Teen Drivers in
South 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 South Orange at $115
per
month. At $7754 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 South Orange.
As young drivers face the highest rates in South Orange, NJM
offers the cheapest auto insurance rates at $966 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 South Orange,
Amica Mutual is
the cheapest car insurance provider. At $823 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
South Orange is State Farm, offering
rates of around $9109 for six
months.
Save up to $971/yr on car insurance rates in South Orange.
Car Insurance Rates with An Accident in South 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 South Orange, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in South Orange
The cheapest car insurance companies after an at-fault accident in
South Orange include New Jersey Skylands Insurance
and NJM, offering $794
and $845,
respectively. Farmers is an expensive provider
with an average six-month premium of
$5030.
Here is a list of driving violations that can increase your car
insurance rates in South Orange NJ. For example, the car
insurance in South Orange
after a DUI increases to $1588 for a six
month policy. While the rate increases by $218 for a six-month policy in the case of
a speeding ticket.
South Orange auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1459
$243
One Med/PIP claim
$1467
$249
Not-at-fault accident
$1535
$256
One comp claim
$1550
$263
Two Med/PIP claims
$1557
$260
Speeding 6 - 10 MPH over limit
$1677
$285
Speeding 11 - 15 MPH over limit
$1685
$281
Two comp claims
$1685
$286
Failure to show documents
$1706
$285
At-fault accident - less than $1000
$1729
$294
Failure to wear a seat belt
$1751
$292
Driving too slowly
$1759
$299
Driving without lights
$1767
$295
Child safety restraint
$1797
$305
Driving with expired registration
$1797
$300
Wrong way/wrong lane
$1826
$310
Failure to yield
$1833
$306
Failure to stop at a red light
$1841
$312
Illegal turn
$1871
$312
Cell phone violation
$1894
$323
Texting while driving
$1894
$315
Speeding in school zone
$1924
$328
Operating a vehicle without permission
$1932
$321
Speeding 16 - 20 MPH over limit
$1932
$329
Improper passing
$1976
$329
Following too closely
$1983
$338
Passing school bus
$2065
$344
In 65 MPH zone
$2080
$354
Speeding 21 - 25 MPH over limit
$2148
$358
At-fault accident - $1000-$2000
$2208
$375
At-fault accident - greater than $2000
$2223
$370
Open container
$2485
$422
Reckless driving
$2912
$485
Leaving scene of an accident/hit and run
$3024
$514
DUI
$3047
$508
Refusal to submit to a chemical test
$3047
$518
Racing
$3054
$509
Driving with a suspended license
$3174
$539
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 South 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 South Orange.
The cheapest car insurance premiums in
South Orange are
offered by Plymouth Rock at $921 for a six-month policy.
However, it can be as
expensive as $6878 with companies
like State Farm.
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 South Orange are offered by Plymouth Rock
at $853. However,
it can be as expensive as $4401
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in South Orange after Speeding ticket
Car Insurance Price Trends in South Orange,
New Jersey
Car insurance rates in South Orange have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South Orange rose by
$365 in January
compared to $310 of December. In other words, there has been an increase by $55 when you
compare January and December.
The average cost of liability insurance in the South Orange rose to $122 in January,
compared to $108 in December.
This represents an increase of $14
when comparing January and December.
Average Car Insurance Cost in South Orange 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
South Orange. At $3119 for a
six-month policy, insuring
your car at 7079 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in South Orange?
The car insurance in South Orange is $77 per month, which is lower than the national average.
What is the cheapest car insurance in South Orange?
The cheapest car insurance in South Orange
is $163 per month
for full coverage.
How much is car insurance in South Orange for teenagers?
Car insurance for teenagers costs $674 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
South Orange?
The average cost of car insurance is $1238 for a six-month
policy. It will cost around $262 per month to insure your
car in South Orange.
Is car insurance expensive in South Orange?
Car insurance can be expensive in South Orange if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in South Orange can be
affordable.
What is the best car insurance in South Orange,
NJ?
The best car insurance company in South Orange
NJ is
New Jersey Manufacturers, offering $973 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in South Orange right now.
Find Car Insurance Rates in Cities Near South Orange, NJ
Car Insurance Rates by State in the USA (2025 Update)
South Orange Car Insurance
