Cheap Quotes for Oakland, NJ Car Insurance (2021)

Oakland, New Jersey car insurance rates average $420 a month and New Jersey law requires coverage of at least 15/30/5. By comparing rates from multiple Oakland, NJ companies, you can find cheap Oakland car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Oakland, NJ are $420/month
  • Average car insurance rates in Oakland, NJ after a DUI are $5,924/year
  • Average car insurance rates in Oakland, NJ for senior drivers are $3,132/year

How do the Oakland, New Jersey monthly average car insurance rates of $420/month compare to nearby cities like Union City car insurance rates, Elizabeth car insurance rates, and Trenton car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Oakland, NJ.

We’ll cover the New Jersey minimum coverage requirements, New Jersey car insurance laws, and Oakland, NJ statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Oakland, New Jersey companies to find the most affordable Oakland car insurance rates.

Enter your ZIP code above to find cheap Oakland, NJ car insurance quotes today.

What are the minimum Oakland, NJ car insurance requirements?

To meet New Jersey minimum car insurance coverage requirements, Oakland, NJ drivers need to carry at least 15/30/5 coverage.

Minimum Required Car Insurance Coverage in Oakland, New Jersey

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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How do age, gender, and marital status affect Oakland, NJ car insurance rates?

Three of the criteria that most affect car insurance rates in Oakland, New Jersey are age, gender, and marital status. Let’s take a look at how each of these stack up with top Oakland car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oakland, New Jersey

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 $3,076 $3,060 $2,972 $2,972 $9,739 $12,084 $3,598 $3,748
Farmers $4,232 $4,270 $4,110 $4,030 $12,414 $14,276 $5,031 $5,162
GEICO $2,072 $2,036 $2,023 $2,023 $3,780 $3,827 $2,380 $2,344
Liberty Mutual $4,053 $4,053 $4,449 $4,449 $10,533 $11,961 $4,449 $5,113
Progressive $1,828 $1,696 $1,652 $1,695 $8,209 $9,071 $2,159 $2,079
State Farm $3,851 $3,851 $3,483 $3,483 $12,537 $16,096 $4,385 $4,899
Travelers $3,502 $3,384 $3,246 $3,267 $7,910 $8,911 $3,389 $3,347

How much do teen drivers pay for car insurance in Oakland, NJ?

Oakland, New Jersey car insurance rates for teens are often higher than rates for other drivers. Compare Oakland car insurance rates from multiple Oakland, New Jersey car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Oakland, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,739 $12,084
Farmers $12,414 $14,276
GEICO $3,780 $3,827
Liberty Mutual $10,533 $11,961
Progressive $8,209 $9,071
State Farm $12,537 $16,096
Travelers $7,910 $8,911

How much do senior drivers pay for car insurance in Oakland, NJ?

With a little research, seniors can find affordable car insurance in Oakland, New Jersey. Here’s a look at how the top Oakland car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Oakland, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,972 $2,972
Farmers $4,110 $4,030
GEICO $2,023 $2,023
Liberty Mutual $4,449 $4,449
Progressive $1,652 $1,695
State Farm $3,483 $3,483
Travelers $3,246 $3,267

How does coverage level affect Oakland, NJ car insurance rates?

How much coverage do you need? Are you comfortable with the New Jersey minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Oakland, NJ car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Oakland, New Jersey

Insurance Company Low Medium High
Allstate $4,780 $5,228 $5,460
Farmers $6,055 $6,666 $7,352
GEICO $2,299 $2,612 $2,772
Liberty Mutual $5,487 $6,317 $6,593
Progressive $3,228 $3,604 $3,814
State Farm $6,135 $6,655 $6,930
Travelers $4,212 $4,619 $5,028

How does your driving record affect Oakland, NJ car insurance rates?

Safe driving pays off. The more traffic violations you have in Oakland, NJ, the higher your car insurance rates will be. Compare rates based on driving infractions from top Oakland, New Jersey companies.

Annual Oakland, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,867 $6,423 $5,630 $4,704
Farmers $5,180 $8,795 $7,150 $5,638
GEICO $1,996 $2,618 $3,632 $1,996
Liberty Mutual $5,891 $6,734 $6,014 $5,891
Progressive $3,063 $4,080 $3,489 $3,562
State Farm $3,582 $6,503 $10,444 $5,764
Travelers $3,542 $5,290 $5,109 $4,538

How does a DUI affect Oakland, NJ car insurance rates?

With even one DUI on your record, you can see an increase in your Oakland, NJ car insurance rates.

Annual Car Insurance Rates After a DUI in Oakland, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,630
Farmers $7,150
GEICO $3,632
Liberty Mutual $6,014
Progressive $3,489
State Farm $10,444
Travelers $5,109

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How does your credit history affect Oakland, NJ car insurance rates?

Take a look at the data here to see how your Oakland, New Jersey car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Oakland, New Jersey

Insurance Company Poor Fair Good
Allstate $7,134 $4,654 $3,680
Farmers $7,931 $6,244 $5,896
GEICO $3,849 $2,221 $1,613
Liberty Mutual $7,764 $5,764 $4,870
Progressive $3,964 $3,470 $3,212
State Farm $9,501 $5,739 $4,480
Travelers $6,234 $4,544 $3,081

How does your commute affect Oakland, NJ car insurance rates?

Oakland, NJ car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for New Jersey can be seen here. Remember, though, that you may have to carry substantially more car insurance in Oakland if you’re financing.

Annual Car Insurance Rates by Commute Length in Oakland, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,146 $5,166
Farmers $6,691 $6,691
GEICO $2,540 $2,582
Liberty Mutual $6,073 $6,192
Progressive $3,549 $3,549
State Farm $6,407 $6,739
Travelers $4,620 $4,620

Who has the cheapest Oakland, NJ car insurance rates?

Here’s a breakdown of Oakland, New Jersey car insurance rates by company. You can see which company offers the cheapest Oakland car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Oakland, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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What are the top Oakland, NJ car insurance companies?

Which Oakland, New Jersey car insurance company will best fit your needs and budget? Check out this comparison of the top Oakland companies to find the one for you.

Average Annual Car Insurance Rates by Company in Oakland, New Jersey

Insurance Company Average Annual Rates
Allstate $5,156
Farmers $6,691
GEICO $2,561
Liberty Mutual $6,132
Progressive $3,549
State Farm $6,573
Travelers $4,620

What factors affect Oakland, NJ car insurance rates?

Why are Oakland, New Jersey car insurance rates different than rates in Union City or Elizabeth? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Oakland, NJ?

More time spent behind the wheel can lead to higher Oakland, New Jersey car insurance rates. In Oakland, NJ, the average commute length is 32.6 minutes.

Car Insurance Quotes for Oakland, NJ

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