Buy Cheap Elmer, NJ Auto Insurance in 2024
Elmer, NJ auto insurance rates average $440 a month. Minimum auto insurance requirements in Elmer, New Jersey are 15/30/5 to comply with New Jersey laws. To buy cheap auto insurance in Elmer, NJ, compare Elmer auto insurance quotes from top companies.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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 Elmer, NJ are $440/month
- The most expensive auto insurance company in Elmer after a DUI is State Farm
- The most expensive auto insurance company in Elmer is Farmers
Finding affordable Elmer, New Jersey auto insurance can be challenging, but everything you need to know to buy cheap Elmer, NJ auto insurance with confidence is right here. Auto insurance rates in Elmer are affected by local factors as well as personal ones like your driving record.
See how Elmer, NJ car insurance rates compare to Bayonne auto insurance rates, Jersey City auto insurance rates, and Elizabeth auto insurance rates before you read more about the cost of auto insurance in Elmer.
Don’t buy Elmer, NJ auto insurance until you’ve compared rates. Get free Elmer, New Jersey auto insurance quotes when you enter your ZIP code above.
Elmer, NJ Minimum Auto Insurance Requirements
The required auto insurance in Elmer, NJ is 15/30/5 according to the auto insurance laws in New Jersey. The minimum auto insurance in Elmer, 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 Elmer, NJ Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Elmer, NJ. Take a look at Elmer, New Jersey auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,768 | $4,998 | $3,949 |
| Farmers | $8,752 | $6,785 | $6,395 |
| Geico | $4,280 | $2,460 | $1,781 |
| Liberty Mutual | $8,503 | $6,305 | $5,322 |
| Progressive | $4,329 | $3,767 | $3,470 |
| State Farm | $10,129 | $6,114 | $4,769 |
| Travelers | $4,921 | $3,631 | $2,507 |
Buy Cheap Elmer, NJ Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Elmer, New Jersey auto insurance rates? Find out how car insurance rates in Elmer, 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 | $3,350 | $3,334 | $3,256 | $3,256 | $10,525 | $12,857 | $3,940 | $4,052 |
| Farmers | $4,678 | $4,718 | $4,563 | $4,448 | $13,479 | $15,472 | $5,539 | $5,588 |
| Geico | $2,315 | $2,272 | $2,258 | $2,258 | $4,192 | $4,179 | $2,660 | $2,588 |
| Liberty Mutual | $4,453 | $4,453 | $4,888 | $4,888 | $11,481 | $13,021 | $4,888 | $5,605 |
| Progressive | $2,009 | $1,852 | $1,813 | $1,878 | $8,968 | $9,730 | $2,368 | $2,227 |
| State Farm | $4,094 | $4,094 | $3,706 | $3,706 | $13,378 | $17,175 | $4,665 | $5,211 |
| Travelers | $2,766 | $2,703 | $2,564 | $2,596 | $6,306 | $7,147 | $2,710 | $2,698 |
Buy Cheap Elmer, NJ Auto Insurance for Teen Drivers
Auto insurance for teenagers in Elmer can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Elmer, NJ are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,525 | $12,857 |
| Farmers | $13,479 | $15,472 |
| Geico | $4,192 | $4,179 |
| Liberty Mutual | $11,481 | $13,021 |
| Progressive | $8,968 | $9,730 |
| State Farm | $13,378 | $17,175 |
| Travelers | $6,306 | $7,147 |
Buy Cheap Elmer, NJ Auto Insurance for Seniors
You can save on senior auto insurance rates in Elmer, New Jersey by comparing Elmer senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Elmer, NJ here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,256 | $3,256 |
| Farmers | $4,563 | $4,448 |
| Geico | $2,258 | $2,258 |
| Liberty Mutual | $4,888 | $4,888 |
| Progressive | $1,813 | $1,878 |
| State Farm | $3,706 | $3,706 |
| Travelers | $2,564 | $2,596 |
Find Cheap Auto Insurance Rates in Elmer, NJ by Coverage Level
The amount of coverage you choose is a big factor in the cost of Elmer, New Jersey auto insurance. Compare Elmer, NJ auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,120 | $5,656 | $5,938 |
| Farmers | $6,525 | $7,257 | $8,149 |
| Geico | $2,542 | $2,894 | $3,084 |
| Liberty Mutual | $5,971 | $6,921 | $7,238 |
| Progressive | $3,465 | $3,917 | $4,185 |
| State Farm | $6,515 | $7,094 | $7,401 |
| Travelers | $3,385 | $3,689 | $3,985 |
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Find Cheap Elmer, NJ Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Elmer. Compare auto insurance rates in Elmer, 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 | $5,561 | $5,581 |
| Farmers | $7,311 | $7,311 |
| Geico | $2,817 | $2,864 |
| Liberty Mutual | $6,645 | $6,774 |
| Progressive | $3,856 | $3,856 |
| State Farm | $6,824 | $7,183 |
| Travelers | $3,686 | $3,686 |
Find Cheap Elmer, NJ Auto Insurance Rates by Driving Record
Auto insurance rates in Elmer, New Jersey are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Elmer, NJ, take a look at the average cost for various violations versus rates for a clean driving record in Elmer.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,174 | $6,961 | $6,068 | $5,081 |
| Farmers | $5,683 | $9,597 | $7,844 | $6,118 |
| Geico | $2,207 | $2,904 | $4,042 | $2,207 |
| Liberty Mutual | $6,443 | $7,376 | $6,576 | $6,443 |
| Progressive | $3,295 | $4,469 | $3,795 | $3,862 |
| State Farm | $3,811 | $6,929 | $11,135 | $6,140 |
| Travelers | $2,844 | $4,199 | $4,058 | $3,644 |
Find Cheap Elmer, NJ Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Elmer, New Jersey is higher than for a clean driving record. You can buy auto insurance after a DUI in Elmer for less when you shop around and compare rates from multiple Elmer, NJ auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,068 |
| Farmers | $7,844 |
| Geico | $4,042 |
| Liberty Mutual | $6,576 |
| Progressive | $3,795 |
| State Farm | $11,135 |
| Travelers | $4,058 |
Winners by Category: Where to Buy Cheap Auto Insurance in Elmer, NJ
Compare rates from the cheapest auto insurance companies in Elmer, NJ for your needs. Take a look at how Elmer, 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 Elmer, New Jersey Auto Insurance Companies
If you’re looking for the cheapest Elmer, NJ auto insurance companies overall, you can compare them here. Find the best price for Elmer, New Jersey car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,571 |
| Farmers | $7,311 |
| Geico | $2,840 |
| Liberty Mutual | $6,710 |
| Progressive | $3,856 |
| State Farm | $7,004 |
| Travelers | $3,686 |
What affects Elmer, New Jersey auto insurance rates?
Local factors affect auto insurance rates in Elmer, NJ, including traffic, theft statistics, and commute length. Take a look at the things that impact Elmer auto insurance rates.
Commute Times in Elmer
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elmer, NJ is 26.8 minutes according to City-Data.
Compare Auto Insurance Quotes in Elmer, NJ
You can buy cheap Elmer, NJ auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Elmer, New Jersey auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in Elmer, NJ?
To find cheap auto insurance in Elmer, NJ, consider the following steps:
- Shop around and compare quotes from multiple insurance providers to find the best rates.
- Maintain a clean driving record with no accidents or traffic violations.
- Opt for higher deductibles, which can lower your premium.
- Bundle your auto insurance with other policies, such as home or renters insurance, for potential discounts.
- Inquire about any available discounts, such as safe driver discounts, multi-car discounts, or good student discounts.
- Consider usage-based insurance programs that use telematics devices to monitor your driving habits and offer personalized rates.
Are there any local insurance agents in Elmer, NJ that can assist with purchasing auto insurance?
Yes, there are local insurance agents in Elmer, NJ who can assist you with purchasing auto insurance. These agents have knowledge of the local market and can help you find the right coverage options for your needs. You can search online or ask for recommendations from friends, family, or neighbors to find a reputable insurance agent in Elmer.
What factors can affect my auto insurance rates in Elmer, NJ?
Several factors can affect your auto insurance rates in Elmer, NJ, including:
- Your driving record and history of accidents or traffic violations.
- The type of vehicle you drive, including its make, model, and year.
- Your age, gender, and marital status.
- Your credit history, as some insurance companies may use credit scores to determine rates.
- The coverage options and deductibles you choose.
- Your location in Elmer, NJ, including the crime rate and frequency of accidents in your area.
Can I get auto insurance quotes online for Elmer, NJ?
Yes, many insurance companies in Elmer, NJ offer online platforms where you can request auto insurance quotes. These online tools allow you to provide the necessary information and receive quotes based on your specific needs. However, it’s recommended to follow up with an agent to discuss the details of the policy and ensure you have the appropriate coverage.
What information do I need to provide when getting a quote for auto insurance in Elmer, NJ?
When getting a quote for auto insurance in Elmer, NJ, you’ll typically need to provide the following information:
- Personal information: Your name, address, date of birth, and driver’s license number.
- Vehicle information: Make, model, year, vehicle identification number (VIN), and mileage.
- Driving history: Details about your past accidents, tickets, or violations.
- Coverage preferences: The types and levels of coverage you’re looking for.
- Prior insurance history: Information about your previous insurance coverage, including any gaps in coverage or policy cancellations.
- Additional drivers: Details about other drivers who will be covered by the policy.
Can I purchase auto insurance with a low down payment in Elmer, NJ?
Some insurance companies in Elmer, NJ may offer the option of a low down payment when purchasing auto insurance. However, the down payment amount and availability can vary depending on the insurance provider and your specific circumstances. It’s recommended to reach out to insurance companies directly to inquire about their down payment options and requirements.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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.