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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 $1403 for a six-month policy, which is $281 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $965, 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 $965 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 $1151 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 $1166
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 $965 for a six-month term. This is followed by NJM, which has an average six-month premium of $1151.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1270 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 $965 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 $1319 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 $445.
National General is the most
expensive at $468 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 $164 per month and $965
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
$959
30s
NJM
$745
40s
NJM
$690
50s
NJM
$636
60s
NJM
$586
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 $114
per
month. At $7759 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 $959 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 $816 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 Farmers, offering
rates of around $7009 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 $788
and $809,
respectively. National General is an expensive provider
with an average six-month premium of
$543.
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 $1575 for a six
month policy. While the rate increases by $216 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
$1448
$241
One Med/PIP claim
$1455
$248
Not-at-fault accident
$1523
$254
One comp claim
$1538
$261
Two Med/PIP claims
$1545
$258
Speeding 6 - 10 MPH over limit
$1664
$283
Speeding 11 - 15 MPH over limit
$1671
$279
Two comp claims
$1671
$284
Failure to show documents
$1693
$283
At-fault accident - less than $1000
$1715
$291
Failure to wear a seat belt
$1738
$290
Driving too slowly
$1745
$296
Driving without lights
$1753
$293
Child safety restraint
$1783
$303
Driving with expired registration
$1783
$298
Wrong way/wrong lane
$1811
$308
Failure to yield
$1819
$304
Failure to stop at a red light
$1826
$310
Illegal turn
$1856
$310
Cell phone violation
$1879
$320
Texting while driving
$1879
$313
Speeding in school zone
$1909
$325
Operating a vehicle without permission
$1916
$319
Speeding 16 - 20 MPH over limit
$1916
$326
Improper passing
$1960
$326
Following too closely
$1968
$335
Passing school bus
$2049
$341
In 65 MPH zone
$2064
$351
Speeding 21 - 25 MPH over limit
$2131
$355
At-fault accident - $1000-$2000
$2190
$373
At-fault accident - greater than $2000
$2205
$368
Open container
$2465
$419
Reckless driving
$2889
$481
Leaving scene of an accident/hit and run
$3000
$510
DUI
$3023
$504
Refusal to submit to a chemical test
$3023
$514
Racing
$3030
$505
Driving with a suspended license
$3149
$535
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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 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 $884 for a six-month policy.
However, it can be as
expensive as $6453 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 South Orange are offered by Plymouth Rock
at $809. However,
it can be as expensive as $2925
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
$308 in December
compared to $304 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 South Orange rose to $108 in December,
compared to $104 in November.
This represents an increase of $4
when comparing December and November.
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 $2805 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
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Frequently Asked Questions
How much is car insurance in South Orange?
The car insurance in South Orange is $74 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 $164 per month
for full coverage.
How much is car insurance in South Orange for teenagers?
Car insurance for teenagers costs $669 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 $1122 for a six-month
policy. It will cost around $236 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 $965 for a
six-month policy.
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South Orange Car Insurance
