Cheap Quotes for West Orange, NJ Car Insurance (2021)

West Orange, New Jersey car insurance rates average $555 a month and New Jersey law requires coverage of at least 15/30/5. By comparing rates from multiple West Orange, NJ companies, you can find cheap West Orange 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 Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in West Orange, NJ after a DUI are $7,804/year
  • Average car insurance rates in West Orange, NJ for senior drivers are $4,055/year
  • Average car insurance rates in West Orange, NJ are $555/month

How do the West Orange, New Jersey monthly average car insurance rates of $555/month compare to nearby cities like Paterson car insurance rates, Trenton car insurance rates, and Newark car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in West Orange, NJ.

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

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

What are the minimum West Orange, NJ car insurance requirements?

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

Minimum Required Car Insurance Coverage in West Orange, 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 West Orange, NJ car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in West Orange, 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 $4,139 $4,121 $4,013 $4,013 $13,053 $15,968 $4,871 $5,017
Farmers $6,280 $6,358 $6,094 $5,989 $19,045 $22,009 $7,515 $7,774
GEICO $2,450 $2,403 $2,388 $2,388 $4,462 $4,488 $2,814 $2,759
Liberty Mutual $5,267 $5,267 $5,790 $5,790 $13,815 $15,695 $5,790 $6,666
Progressive $2,621 $2,420 $2,357 $2,414 $12,318 $13,708 $3,122 $3,019
State Farm $5,086 $5,086 $4,604 $4,604 $16,771 $21,538 $5,805 $6,489
Travelers $3,379 $3,316 $3,136 $3,187 $7,896 $9,101 $3,321 $3,320

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

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

Annual Car Insurance Rates for Teen Drivers in West Orange, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,053 $15,968
Farmers $19,045 $22,009
GEICO $4,462 $4,488
Liberty Mutual $13,815 $15,695
Progressive $12,318 $13,708
State Farm $16,771 $21,538
Travelers $7,896 $9,101

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

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

Annual Car Insurance Rates for Senior Drivers in West Orange, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,013 $4,013
Farmers $6,094 $5,989
GEICO $2,388 $2,388
Liberty Mutual $5,790 $5,790
Progressive $2,357 $2,414
State Farm $4,604 $4,604
Travelers $3,136 $3,187

How does coverage level affect West Orange, 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 West Orange, NJ car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in West Orange, New Jersey

Insurance Company Low Medium High
Allstate $6,342 $7,004 $7,352
Farmers $9,182 $10,075 $11,142
GEICO $2,697 $3,078 $3,282
Liberty Mutual $7,202 $8,246 $8,582
Progressive $4,798 $5,322 $5,622
State Farm $8,128 $8,862 $9,254
Travelers $4,131 $4,578 $5,036

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

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

Annual West Orange, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,174 $8,618 $7,510 $6,296
Farmers $7,802 $13,416 $10,786 $8,528
GEICO $2,343 $3,087 $4,301 $2,343
Liberty Mutual $7,691 $8,806 $7,853 $7,691
Progressive $4,515 $6,045 $5,155 $5,273
State Farm $4,738 $8,655 $13,935 $7,664
Travelers $3,518 $5,198 $5,085 $4,526

How does a DUI affect West Orange, NJ car insurance rates?

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

Annual Car Insurance Rates After a DUI in West Orange, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,510
Farmers $10,786
GEICO $4,301
Liberty Mutual $7,853
Progressive $5,155
State Farm $13,935
Travelers $5,085

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

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

Annual Car Insurance Rates by Credit Score in West Orange, New Jersey

Insurance Company Poor Fair Good
Allstate $9,636 $6,186 $4,877
Farmers $12,042 $9,440 $8,916
GEICO $4,556 $2,613 $1,888
Liberty Mutual $10,166 $7,522 $6,343
Progressive $5,876 $5,128 $4,738
State Farm $12,673 $7,630 $5,941
Travelers $6,125 $4,506 $3,114

How does your commute affect West Orange, NJ car insurance rates?

West Orange, 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 West Orange if you’re financing.

Annual Car Insurance Rates by Commute Length in West Orange, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,887 $6,912
Farmers $10,133 $10,133
GEICO $2,994 $3,044
Liberty Mutual $7,932 $8,089
Progressive $5,247 $5,247
State Farm $8,521 $8,974
Travelers $4,582 $4,582

Who has the cheapest West Orange, NJ car insurance rates?

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

Best Annual Car Insurance Rates by Company in West Orange, New Jersey

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

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What are the top West Orange, NJ car insurance companies?

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

Average Annual Car Insurance Rates by Company in West Orange, New Jersey

Insurance Company Average Annual Rates
Allstate $6,899
Farmers $10,133
GEICO $3,019
Liberty Mutual $8,010
Progressive $5,247
State Farm $8,748
Travelers $4,582

Car Insurance Quotes for West Orange, NJ

Shop for affordable West Orange, New Jersey car insurance rates today. Enter your ZIP code to compare quotes from multiple West Orange, NJ car insurance companies.

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