How much does car insurance cost in Elizabeth?

 

The typical Elizabeth driver pays $2,283 per year for car insurance. That's more than the statewide average in New Jersey ($1,592) and more costly than the national average of $1,548. Our guide to car insurance in Elizabeth — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

 
ELIZABETH AUTO INSURANCE PREMIUMS
Elizabeth Average (yearly) New Jersey Average National Average
$2,283 $1,592 $1,548
 
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Elizabeth car insurance premiums by company

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Elizabeth, New Jersey Manufacturers provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Elizabeth. Don't forget to get car insurance quotes based on your driving profile.

 
ELIZABETH CAR INSURANCE RATES BY COMPANY
Insurance Company Average Yearly Rate
New Jersey Manufacturers $1,657
GEICO $1,846
Travelers $2,299
Palisades $2,507
Allstate $2,514
 

Consult our expert guide to finding the best cheap car insurance.

 

Auto insurance premiums by age in Elizabeth

Elizabeth drivers in their 60s enjoy relatively affordable auto insurance rates, paying just $2,029 per year, on average. Rates for Elizabeth drivers in their 70s are also relatively affordable, at just $2,100 per year.

Teenage drivers pay Elizabeth's most expensive auto insurance rates. When Elizabeth drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Elizabeth is $5,797. That's the biggest gap in premiums between any pair of age brackets.

 
ELIZABETH AUTO INSURANCE COSTS BY AGE
Age tier Average Annual Rate
Teenagers $9,004
20s $3,207
30s $2,264
40s $2,213
50s $2,110
60s $2,029
70s $2,100
 

Learn more about the impact of age on auto insurance rates.

 

Elizabeth car insurance premiums by gender and marital status

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Elizabeth pay $103 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Elizabeth, widowed drivers pay less than those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Elizabeth, female drivers pay $71 per year more than do male drivers for car insurance.

 
INSURANCE RATES IN ELIZABETH BY MARITAL STATUS AND GENDER
Gender/Marital Status Average Annual Rate
Female $2,354
Male $2,283
Single $2,180
Married $2,180
Divorced $2,283
Widowed $2,268
 

Learn more about the impact gender and marital status have on insurance rates.

 

Elizabeth auto insurance premiums by accident and violation history

 

Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most costly citations to receive are DUI and reckless driving. Elizabeth drivers found guilty of reckless driving face insurance rate increases of $1,408 per year, compared to the citywide average. A DUI violation may lead to a $1,811 increase, while a citation for speeding leads to a $910 rate hike.

 
ELIZABETH CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident Average Yearly Rate
DWI/DUI $4,094
Reckless Driving $3,691
At-fault Accident (damages less than $1,000) $2,853
At-fault Accident (damages greater than $2,000) $3,456
Speeding Ticket (16-20 mph over speed limit) $3,193
 

Learn more about the impact of driving violations on car insurance rates.

 

Elizabeth auto insurance costs by credit score

 

A driver's credit level can be closely correlated with their auto insurance rates. In Elizabeth, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 70% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Elizabeth, improving your credit to "Fair" could help you earn a $2,696 decrease in yearly insurance premiums.

 
ELIZABETH CAR INSURANCE RATES BY CREDIT LEVEL
Credit Level Average Annual Rate
Very Poor $5,765
Fair $3,069
Good $2,283
Very Good $2,021
Exceptional $1,751
 

Get additional information on how credit impacts car insurance costs.

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.