Buy Cheap Caldwell, NJ Auto Insurance in 2024
Caldwell, NJ auto insurance rates average $434 a month. Minimum auto insurance requirements in Caldwell, New Jersey are 15/30/5 to comply with New Jersey laws. To buy cheap auto insurance in Caldwell, NJ, compare Caldwell auto insurance quotes from top companies.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Caldwell, NJ after a DUI are $6,094/year
- Average auto insurance rates in Caldwell, NJ for teens drivers are $9,632/year
- The most expensive auto insurance company in Caldwell after a DUI is State Farm
Finding affordable Caldwell, New Jersey auto insurance can be challenging, but everything you need to know to buy cheap Caldwell, NJ auto insurance with confidence is right here. Auto insurance rates in Caldwell are affected by local factors as well as personal ones like your driving record.
See how Caldwell, NJ car insurance rates compare to Camden auto insurance rates, Bayonne auto insurance rates, and Newark auto insurance rates before you read more about the cost of auto insurance in Caldwell.
Don’t buy Caldwell, NJ auto insurance until you’ve compared rates. Get free Caldwell, New Jersey auto insurance quotes when you enter your ZIP code above.
Caldwell, NJ Minimum Auto Insurance Requirements
The required auto insurance in Caldwell, NJ is 15/30/5 according to the auto insurance laws in New Jersey. The minimum auto insurance in Caldwell, New Jersey is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Find Cheap Caldwell, NJ Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Caldwell, NJ. Take a look at Caldwell, New Jersey auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,130 | $5,269 | $4,146 |
| Farmers | $8,026 | $6,355 | $6,004 |
| Geico | $3,849 | $2,221 | $1,613 |
| Liberty Mutual | $8,716 | $6,461 | $5,454 |
| Progressive | $3,940 | $3,462 | $3,214 |
| State Farm | $9,501 | $5,739 | $4,480 |
| Travelers | $5,681 | $4,202 | $2,911 |
Buy Cheap Caldwell, NJ Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Caldwell, New Jersey auto insurance rates? Find out how car insurance rates in Caldwell, NJ are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,497 | $3,479 | $3,391 | $3,391 | $11,084 | $13,598 | $4,110 | $4,239 |
| Farmers | $4,269 | $4,308 | $4,142 | $4,074 | $12,651 | $14,567 | $5,092 | $5,258 |
| Geico | $2,072 | $2,036 | $2,023 | $2,023 | $3,780 | $3,827 | $2,380 | $2,344 |
| Liberty Mutual | $4,543 | $4,543 | $4,988 | $4,988 | $11,816 | $13,416 | $4,988 | $5,733 |
| Progressive | $1,804 | $1,680 | $1,633 | $1,666 | $8,186 | $9,120 | $2,137 | $2,083 |
| State Farm | $3,851 | $3,851 | $3,483 | $3,483 | $12,537 | $16,096 | $4,385 | $4,899 |
| Travelers | $3,136 | $3,080 | $2,911 | $2,961 | $7,372 | $8,482 | $3,087 | $3,089 |
Buy Cheap Caldwell, NJ Auto Insurance for Teen Drivers
Auto insurance for teenagers in Caldwell can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Caldwell, NJ are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,084 | $13,598 |
| Farmers | $12,651 | $14,567 |
| Geico | $3,780 | $3,827 |
| Liberty Mutual | $11,816 | $13,416 |
| Progressive | $8,186 | $9,120 |
| State Farm | $12,537 | $16,096 |
| Travelers | $7,372 | $8,482 |
Buy Cheap Caldwell, NJ Auto Insurance for Seniors
You can save on senior auto insurance rates in Caldwell, New Jersey by comparing Caldwell senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Caldwell, NJ here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,391 | $3,391 |
| Farmers | $4,142 | $4,074 |
| Geico | $2,023 | $2,023 |
| Liberty Mutual | $4,988 | $4,988 |
| Progressive | $1,633 | $1,666 |
| State Farm | $3,483 | $3,483 |
| Travelers | $2,911 | $2,961 |
Find Cheap Auto Insurance Rates in Caldwell, NJ by Coverage Level
The amount of coverage you choose is a big factor in the cost of Caldwell, New Jersey auto insurance. Compare Caldwell, NJ auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,415 | $5,932 | $6,199 |
| Farmers | $6,166 | $6,781 | $7,438 |
| Geico | $2,299 | $2,612 | $2,772 |
| Liberty Mutual | $6,170 | $7,081 | $7,379 |
| Progressive | $3,218 | $3,598 | $3,800 |
| State Farm | $6,135 | $6,655 | $6,930 |
| Travelers | $3,874 | $4,266 | $4,654 |
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Find Cheap Caldwell, NJ Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Caldwell. Compare auto insurance rates in Caldwell, NJ by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,837 | $5,860 |
| Farmers | $6,795 | $6,795 |
| Geico | $2,540 | $2,582 |
| Liberty Mutual | $6,810 | $6,944 |
| Progressive | $3,538 | $3,538 |
| State Farm | $6,407 | $6,739 |
| Travelers | $4,265 | $4,265 |
Find Cheap Caldwell, NJ Auto Insurance Rates by Driving Record
Auto insurance rates in Caldwell, New Jersey are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Caldwell, NJ, take a look at the average cost for various violations versus rates for a clean driving record in Caldwell.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,369 | $7,298 | $6,398 | $5,329 |
| Farmers | $5,248 | $8,942 | $7,254 | $5,736 |
| Geico | $1,996 | $2,618 | $3,632 | $1,996 |
| Liberty Mutual | $6,604 | $7,557 | $6,742 | $6,604 |
| Progressive | $3,071 | $4,056 | $3,475 | $3,552 |
| State Farm | $3,582 | $6,503 | $10,444 | $5,764 |
| Travelers | $3,280 | $4,840 | $4,716 | $4,223 |
Find Cheap Caldwell, NJ Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Caldwell, New Jersey is higher than for a clean driving record. You can buy auto insurance after a DUI in Caldwell for less when you shop around and compare rates from multiple Caldwell, NJ auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,398 |
| Farmers | $7,254 |
| Geico | $3,632 |
| Liberty Mutual | $6,742 |
| Progressive | $3,475 |
| State Farm | $10,444 |
| Travelers | $4,716 |
Winners by Category: Where to Buy Cheap Auto Insurance in Caldwell, NJ
Compare rates from the cheapest auto insurance companies in Caldwell, NJ for your needs. Take a look at how Caldwell, New Jersey auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Progressive |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
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Find Cheap Caldwell, New Jersey Auto Insurance Companies
If you’re looking for the cheapest Caldwell, NJ auto insurance companies overall, you can compare them here. Find the best price for Caldwell, New Jersey car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,849 |
| Farmers | $6,795 |
| Geico | $2,561 |
| Liberty Mutual | $6,877 |
| Progressive | $3,538 |
| State Farm | $6,573 |
| Travelers | $4,265 |
What affects Caldwell, New Jersey auto insurance rates?
Local factors affect auto insurance rates in Caldwell, NJ, including traffic, theft statistics, and commute length. Take a look at the things that impact Caldwell auto insurance rates.
Commute Times in Caldwell
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Caldwell, NJ is 32.8 minutes according to City-Data.
Compare Auto Insurance Quotes in Caldwell, NJ
You can buy cheap Caldwell, NJ auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Caldwell, New Jersey auto insurance quotes from top companies.
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Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between you and an insurance company that protects you financially in case of vehicle-related accidents, damages, or injuries. It typically provides coverage for liability, collision, comprehensive, medical payments, and uninsured/underinsured motorists.
Why is auto insurance important?
Auto insurance is important because it helps protect you from potential financial burdens arising from accidents, theft, vandalism, or other damages to your vehicle or third-party property. It also helps cover medical expenses for injuries sustained in accidents.
Is auto insurance mandatory in Caldwell, NJ?
Yes, auto insurance is mandatory in Caldwell, NJ, as it is in most states. You are required to have a minimum level of liability insurance coverage to legally operate a vehicle.
What does liability insurance cover?
Liability insurance covers damages and injuries you may cause to others in an accident where you are at fault. It typically includes bodily injury liability, which covers medical expenses and legal fees, and property damage liability, which covers damage to others’ property.
What is collision coverage?
Collision coverage is an optional insurance coverage that pays for damages to your vehicle resulting from a collision with another vehicle or object, regardless of fault. It helps cover the cost of repairs or the replacement of your vehicle.
What is comprehensive coverage?
Comprehensive coverage is an optional insurance coverage that protects your vehicle against damages not caused by a collision, such as theft, vandalism, fire, natural disasters, or hitting an animal. It helps cover the cost of repairs or the replacement of your vehicle.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.