Buy Cheap Laurence Harbor, NJ Auto Insurance in 2024
Laurence Harbor, NJ auto insurance rates average $466 a month. Minimum auto insurance requirements in Laurence Harbor, New Jersey are 15/30/5 to comply with New Jersey laws. To buy cheap auto insurance in Laurence Harbor, NJ, compare Laurence Harbor auto insurance quotes from top companies.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
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 Laurence Harbor, NJ are $466/month
- Average auto insurance rates in Laurence Harbor, NJ after a DUI are $6,584/year
- Average auto insurance rates in Laurence Harbor, NJ for teens drivers are $10,394/year
Finding affordable Laurence Harbor, New Jersey auto insurance can be challenging, but everything you need to know to buy cheap Laurence Harbor, NJ auto insurance with confidence is right here. Auto insurance rates in Laurence Harbor are affected by local factors as well as personal ones like your driving record.
See how Laurence Harbor, NJ car insurance rates compare to Jersey City auto insurance rates, Paterson auto insurance rates, and Camden auto insurance rates before you read more about the cost of auto insurance in Laurence Harbor.
Don’t buy Laurence Harbor, NJ auto insurance until you’ve compared rates. Get free Laurence Harbor, New Jersey auto insurance quotes when you enter your ZIP code above.
Laurence Harbor, NJ Minimum Auto Insurance Requirements
The required auto insurance in Laurence Harbor, NJ is 15/30/5 according to the auto insurance laws in New Jersey. The minimum auto insurance in Laurence Harbor, 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 Laurence Harbor, NJ Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Laurence Harbor, NJ. Take a look at Laurence Harbor, New Jersey auto insurance rates by credit history.
Insurance Company | Poor | Fair | Good |
---|---|---|---|
Allstate | $8,187 | $5,265 | $4,145 |
Farmers | $9,134 | $7,113 | $6,710 |
Geico | $3,793 | $2,190 | $1,592 |
Liberty Mutual | $8,860 | $6,567 | $5,542 |
Progressive | $4,560 | $3,979 | $3,673 |
State Farm | $11,109 | $6,698 | $5,220 |
Travelers | $5,928 | $4,324 | $2,934 |
Buy Cheap Laurence Harbor, NJ Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Laurence Harbor, New Jersey auto insurance rates? Find out how car insurance rates in Laurence Harbor, 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 | $3,529 | $3,511 | $3,429 | $3,429 | $11,098 | $13,511 | $4,156 | $4,261 |
Farmers | $4,838 | $4,885 | $4,715 | $4,615 | $14,201 | $16,352 | $5,754 | $5,859 |
Geico | $2,056 | $2,018 | $2,006 | $2,006 | $3,718 | $3,727 | $2,359 | $2,306 |
Liberty Mutual | $4,606 | $4,606 | $5,059 | $5,059 | $12,036 | $13,673 | $5,059 | $5,821 |
Progressive | $2,090 | $1,930 | $1,886 | $1,943 | $9,489 | $10,403 | $2,471 | $2,353 |
State Farm | $4,467 | $4,467 | $4,052 | $4,052 | $14,706 | $18,871 | $5,098 | $5,692 |
Travelers | $3,352 | $3,236 | $3,102 | $3,118 | $7,508 | $8,407 | $3,244 | $3,198 |
Buy Cheap Laurence Harbor, NJ Auto Insurance for Teen Drivers
Auto insurance for teenagers in Laurence Harbor can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Laurence Harbor, NJ are listed here.
Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
---|---|---|
Allstate | $11,098 | $13,511 |
Farmers | $14,201 | $16,352 |
Geico | $3,718 | $3,727 |
Liberty Mutual | $12,036 | $13,673 |
Progressive | $9,489 | $10,403 |
State Farm | $14,706 | $18,871 |
Travelers | $7,508 | $8,407 |
Buy Cheap Laurence Harbor, NJ Auto Insurance for Seniors
You can save on senior auto insurance rates in Laurence Harbor, New Jersey by comparing Laurence Harbor senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Laurence Harbor, NJ here.
Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
---|---|---|
Allstate | $3,429 | $3,429 |
Farmers | $4,715 | $4,615 |
Geico | $2,006 | $2,006 |
Liberty Mutual | $5,059 | $5,059 |
Progressive | $1,886 | $1,943 |
State Farm | $4,052 | $4,052 |
Travelers | $3,102 | $3,118 |
Find Cheap Auto Insurance Rates in Laurence Harbor, NJ by Coverage Level
The amount of coverage you choose is a big factor in the cost of Laurence Harbor, New Jersey auto insurance. Compare Laurence Harbor, NJ auto insurance rates by coverage level.
Insurance Company | Low | Medium | High |
---|---|---|---|
Allstate | $5,403 | $5,953 | $6,241 |
Farmers | $6,840 | $7,603 | $8,514 |
Geico | $2,267 | $2,573 | $2,734 |
Liberty Mutual | $6,245 | $7,203 | $7,521 |
Progressive | $3,673 | $4,135 | $4,405 |
State Farm | $7,104 | $7,781 | $8,142 |
Travelers | $4,034 | $4,396 | $4,756 |
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Find Cheap Laurence Harbor, NJ Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Laurence Harbor. Compare auto insurance rates in Laurence Harbor, 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 | $5,855 | $5,877 |
Farmers | $7,652 | $7,652 |
Geico | $2,504 | $2,545 |
Liberty Mutual | $6,922 | $7,058 |
Progressive | $4,071 | $4,071 |
State Farm | $7,475 | $7,876 |
Travelers | $4,395 | $4,395 |
Find Cheap Laurence Harbor, NJ Auto Insurance Rates by Driving Record
Auto insurance rates in Laurence Harbor, New Jersey are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Laurence Harbor, NJ, take a look at the average cost for various violations versus rates for a clean driving record in Laurence Harbor.
Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
---|---|---|---|---|
Allstate | $4,391 | $7,325 | $6,398 | $5,349 |
Farmers | $5,932 | $10,073 | $8,187 | $6,417 |
Geico | $1,968 | $2,581 | $3,582 | $1,968 |
Liberty Mutual | $6,713 | $7,680 | $6,854 | $6,713 |
Progressive | $3,494 | $4,705 | $4,003 | $4,081 |
State Farm | $4,169 | $7,596 | $12,211 | $6,728 |
Travelers | $3,373 | $5,040 | $4,850 | $4,318 |
Find Cheap Laurence Harbor, NJ Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Laurence Harbor, New Jersey is higher than for a clean driving record. You can buy auto insurance after a DUI in Laurence Harbor for less when you shop around and compare rates from multiple Laurence Harbor, NJ auto insurance companies.
Insurance Company | Annual Auto Insurance Rates With a DUI |
---|---|
Allstate | $6,398 |
Farmers | $8,187 |
Geico | $3,582 |
Liberty Mutual | $6,854 |
Progressive | $4,003 |
State Farm | $12,211 |
Travelers | $4,850 |
Winners by Category: Where to Buy Cheap Auto Insurance in Laurence Harbor, NJ
Compare rates from the cheapest auto insurance companies in Laurence Harbor, NJ for your needs. Take a look at how Laurence Harbor, 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 | Geico |
With 1 Speeding Violation | Geico |
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Find Cheap Laurence Harbor, New Jersey Auto Insurance Companies
If you’re looking for the cheapest Laurence Harbor, NJ auto insurance companies overall, you can compare them here. Find the best price for Laurence Harbor, New Jersey car insurance by company.
Insurance Company | Average Annual Rates |
---|---|
Allstate | $5,866 |
Farmers | $7,652 |
Geico | $2,525 |
Liberty Mutual | $6,990 |
Progressive | $4,071 |
State Farm | $7,676 |
Travelers | $4,395 |
What affects Laurence Harbor, New Jersey auto insurance rates?
Local factors affect auto insurance rates in Laurence Harbor, NJ, including traffic, theft statistics, and commute length. Take a look at the things that impact Laurence Harbor auto insurance rates.
Commute Times in Laurence Harbor
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Laurence Harbor, NJ is 39.4 minutes according to City-Data.
Compare Auto Insurance Quotes in Laurence Harbor, NJ
You can buy cheap Laurence Harbor, NJ auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Laurence Harbor, New Jersey auto insurance quotes from top companies.
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Frequently Asked Questions
What factors should I consider when looking for cheap auto insurance in Laurence Harbor, NJ?
When searching for affordable auto insurance, consider the following factors:
- Compare quotes from multiple insurance companies to find the best rates.
- Evaluate the coverage options offered and ensure they meet your needs.
- Check the insurance company’s reputation for customer service and claims handling.
- Consider any discounts or special programs that can lower your premiums.
- Review the deductible amount and how it affects your premium.
What are the pros of buying cheap auto insurance?
The pros of purchasing cheap auto insurance include:
- Lower premiums: Cheap insurance can save you money on your monthly or annual premiums.
- Financial protection: Even basic coverage provides some protection against costly accidents or damages.
- Compliance with legal requirements: Cheap insurance still fulfills the mandatory auto insurance laws in Laurence Harbor, NJ.
What are the cons of buying cheap auto insurance?
It’s essential to be aware of the potential drawbacks of cheap auto insurance:
- Limited coverage: Cheap insurance may offer minimal coverage, leaving you vulnerable to larger expenses in the event of an accident.
- Higher deductibles: To keep premiums low, insurers often require higher deductibles, meaning you’ll have to pay more out of pocket before coverage kicks in.
- Potentially poor customer service: Some low-cost insurance providers may offer limited customer support or have a reputation for delays in processing claims.
- Limited add-on options: Cheap insurance policies may not provide many additional coverage options, such as roadside assistance or rental car reimbursement.
Are there any specific discounts available for cheap auto insurance in Laurence Harbor, NJ?
Yes, some common discounts that can help reduce your auto insurance premiums include:
- Good driver discount: Offered to drivers with a clean driving record.
- Multi-policy discount: If you have multiple insurance policies with the same company, such as home and auto insurance, you may be eligible for a discount.
- Good student discount: Available to students who maintain good grades.
- Safety features discount: If your vehicle has certain safety features like anti-lock brakes or airbags, you might qualify for this discount.
What are some tips for finding cheap auto insurance in Laurence Harbor, NJ?
Here are a few tips to help you find affordable auto insurance:
- Shop around and compare quotes from multiple insurance providers.
- Consider raising your deductible to lower your premium, but ensure you can afford the out-of-pocket expenses if you make a claim.
- Maintain a good driving record and avoid accidents or traffic violations.
- Look for any available discounts that you may qualify for.
- Review your coverage periodically to ensure it still meets your needs and budget.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
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.