Elizabeth, NJ Car Insurance

On average, Elizabeth drivers pay a monthly average rate of around $138 for their car insurance. Check out our guide below to find out how much you'll pay.
Compared to their surrounding area, how do rates in Elizabeth stack up? What about against the rest of New Jersey? What rates should residents of Elizabeth expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Elizabeth?

Area Average Monthly Car Insurance Premium
Elizabeth$138
NJ$107
United States$80

As you can see in the chart above, it is around $31 a month more expensive to insure your vehicle in Elizabeth than it is in the rest of New Jersey.

Drivers relocating the Elizabeth should take note of the differences in average rates. It's around $58 more expensive for coverage in Elizabeth than the average rates seen in the rest of the U.S.

Although these are the average car insurance rates in Elizabeth, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

Don't sweat it however, we've broken down average rates for Elizabeth residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$206
25-34$135
35-44$127
45-54Not Enough Data
55-64$127
65+$103

Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates creep back up once you hit retirement age in Elizabeth.

Average Car Insurance Rates by Gender

Gender Average
Male$143
Female$131

In general, women pay slightly less for car insurance than men. The difference in Elizabeth is around $12 per month. As you can see in the chart above, car insurance for women in the area typically costs around $131 each month, while men pay $143 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$188
Multiple Accidents$131
1 Ticket$184
Multiple Tickets$221

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Elizabeth, a driving record with a single accident will usually get you a rate around $188 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $184 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$89
2-3 Years$139
4-5 Years$170
6-7 Years$126
8-10 Years$135
11-14 Years$135
15 Years or Older$143

If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Elizabeth, with drivers paying around $123 per month for auto insurance.

Car owners will see rates of about $146, while truck and van owners typically pay around $131 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Elizabeth, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$141
Married$124
Divorced$148
Widowed$100

On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Elizabeth, with married couples paying about $17 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$148
Rent$134
Live with parents$198

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $14 less than those who own their own home in Elizabeth. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Elizabeth, NJ

Recent trends in car insurance for Elizabeth drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

In Elizabeth, car insurance rates dropped from 2016-2018, before rising from 2019-2020. They finished down in 2021 at $103.

How does Elizabeth compare to neighboring areas?

Why are car insurance rates in Elizabeth different from other areas?

Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • General road safety (how many accidents each locality has)
  • Crime levels
  • Total drivers
  • Regional laws
  • Off-street parking accessibility

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Elizabeth?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Elizabeth.

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Elizabeth Insurance FAQs

What factors affect car insurance quotes in Elizabeth?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.

Why is the cost of car insurance in Elizabeth different from other neighboring cities?

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Elizabeth?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Elizabeth?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Elizabeth or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes