Elizabeth Car Insurance

Your Complete Guide to Elizabeth, NJ Car Insurance

Find the right car insurance policy for you.

The greenest city in NJ and one of America’s top 50 greenest according to Popular Science magazine, Elizabeth, NJ, is an important transportation hub with one of the world’s busiest ports. Transportation is a very important feature of life in this city, so your car is probably an important part of your life too. So make sure you and your car are protected with Elizabeth, NJ car insurance.

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New Jersey Car Insurance Costs

  • National average annual premium: $1,311
  • New Jersey average annual premium: $1,595
  • 10th most expensive premiums in the US

New Jersey premiums are quite a bit higher than the national average, but keep in mind that your actual costs may differ quite a bit. Your premium will be based on a number of factors unique to you, such as your driving record and the model, make and year of your car. Your age and locale are also important.

New Jersey Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): required
  • Uninsured Motorist: required
  • Minimum liability limits: 15/30/5
    • Coverage up to $15,000 per accident for one person
    • Coverage up to $30,000 per accident for all persons
    • Coverage up to $5,000 per accident for property damage

New Jersey has strict requirements for car insurance, so you need to be sure that any Elizabeth auto insurance quotes you get reflect the minimum coverage. There are stiff penalties for not failing to meet these requirements. For the first offense: $300 to $1,000 fine, community service and drivers license suspension for 1 year. Subsequent offenses carry a 14-day jail sentence, drivers' license suspension for 2 years, a fine of up to $5,000 and 30 days of community service. 

New Jersey Uninsured Motorists

  • National uninsured motorists: 12.6%
  • New Jersey uninsured motorists: 10.3%
  • Average vehicle repair cost in New Jersey: $2,687

The percentage of New Jersey drivers without insurance coverage is lower than the national average, but there is always a risk of being involved in an accident where the at-fault driver has no insurance. Your uninsured motorist coverage provides the extra security and peace of mind that comes from knowing that damages will be covered if an at-fault driver does not have liability insurance or the money for compensation.

What Influences the Car Insurance I Will Get in New Jersey?

Where and how often you drive your car you will influence the cost of your Elizabeth car insurance. If you just use it for taking the children to school and going to the Jersey Gardens mall, you will probably pay less than if you are a traveling salesman and use the car for work. There are many types of policies and insurers on the market, so you will probably need the help of an experienced and knowledgeable specialist to steer you to the right companies for your Elizabeth auto insurance quotes.

Number of Thefts in New Jersey

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • New Jersey vehicle thefts (per 1,000 registered vehicles): 2.17

The car theft rate in New Jersey is a little lower than the national rate, but there is always a risk. Do you think about where you park your car? A secure garage or parking place can lower your premium, as could an alarm or other security device on your vehicle. And comprehensive coverage will ensure that your investment will be protected in the unlikely event that your care gets stolen.

Cut Out the Hassle

If you do have an accident or someone steals or damages your car, you don't need the hassle of arranging a replacement or sorting out repairs. Elizabeth car insurance policy exist to help you with all of this and to ensure that you can enjoy motoring in Elizabeth without worry or fear of expense and trouble should anything happen to your vehicle. Your local independent agent is there to get you the right deal at the right price and will still be there after you buy your policy to advise you and answer your questions. 

Contact an insurance agent today for a good deal on Elizabeth car insurance.

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