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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|
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|
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|
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|
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|
|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|
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|
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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.