Elizabeth Car Insurance

The Zebra
May 30, 2018

Car Insurance in Elizabeth

Premiums in Elizabeth are $713 greater than New Jersey's average, which is why the city is known for its costly premiums, so in Elizabeth, it is imperative to save while insuring a vehicle. Let’s get started on how to save on car insurance in Elizabeth.

  • City Average: $2,392
  • State Average: $1,679
  • National Average: $1,427

Elizabeth Car Insurance by Age

At $1,974, drivers in their 70s have the smallest premiums among any age group. However, those in their 60s ($2,036) also have relatively low premiums. Car insurance premiums are highest for teenage drivers, with rates that average $9,578 per year. The most significant fall in premiums for Elizabeth drivers happens when they hit their 20s. Once out of the teenage age range, individuals pay $6,181 less in premiums. The downward movement continues, as the older drivers get, the more their insurance rates in Elizabeth will decrease.

  • Teenagers: $9,578
  • 20s: $3,397
  • 30s: $2,364
  • 40s: $2,307
  • 50s: $2,182
  • 60s: $2,036
  • 70s: $1,974

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Elizabeth Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Elizabeth is determined by numerous considerations, including gender and marital status. Being married can save you $157 per year compared to being single. Rates for those who are widowed are slightly cheaper than rates for those who are single. Generally, females have premiums that are 3% more pricey than those for males.

  • Female: $2,469
  • Male: $2,392
  • Single: $2,392
  • Married: $2,235
  • Divorced: $2,392
  • Widowed: $2,358

Elizabeth Car Insurance by Accident or Violation History

Do you know the impact an accident or violation can have on your car insurance rates? Many people are lenient about obeying speed limits, but did you know that a ticket for driving 16-20mph over the limit can cost you a striking 34% more per year in car insurance premiums? Drivers with a DUI in Elizabeth need to spend 54% more than the city average to insure their vehicle. Reckless driving will also drive your premiums up, with typical rates of $4,306!

  • DUI: $3,675
  • Reckless Driving: $4,306
  • At-fault Accident (damages less than $1000): $3,663
  • At-fault Accident (damages greater than $2000): $3,663
  • Speeding Ticket (16-20 mph over speed limit): $3,217

Elizabeth Car Insurance by Credit Rating

Improving your credit can save you a sizable chunk of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much on premiums than those in the top credit tier (800-850). Drivers will see the greatest drop in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $507 per year.

  • Very Poor: $4,533
  • Fair: $3,707
  • Good: $3,116
  • Very Good: $2,540
  • Exceptional: $2,033