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The average cost of liability insurance in Bloomfield is $195 per month, while full coverage costs an average of $230. That’s considerably cheaper than Newark and still lower than in the nearby suburb of Kearny.
The Bloomfield Police Department’s most recent executive summary reports 361 year-to-date crime complaints through week 26, down from 375 during the same period in 2025.[1] Robberies have also declined, falling by 50% year over year.
Many factors can influence your car insurance premiums, but lower crime levels may help explain why drivers in Bloomfield pay less than in many other New Jersey cities.
Pay your first week’s premium and get immediate proof of insurance
NJM offers the cheapest liability-only auto insurance in Bloomfield, with policies averaging $122 per month. Drivers can find the cheapest full-coverage policies from NJM, at a monthly average of $154.
Bloomfield’s average liability insurance rates are higher than the New Jersey average, but its full-coverage premiums are lower than the statewide average.
New Jersey’s car insurance requirements mean all drivers must carry at least $35,000 in bodily injury liability coverage and $70,000 per accident. You also need at least $25,000 in property damage liability coverage and $15,000 in personal injury protection (PIP) coverage.[2]
The state also requires uninsured motorist coverage with limits that match your bodily injury liability coverage.
A survey of Bloomfield residents found that roughly 35% of respondents travel between Bloomfield and New York City four to seven days a week. Among those who drive to New York City, about 11% make the trip during weekday peak hours, while 77% drive on weekends.[3]
Because many Bloomfield drivers commute or travel into New York City, they may want to consider full-coverage car insurance for more protection.
The following table shows the cheapest liability-only and full-coverage car insurance in Bloomfield.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| NJM | $125 | $158 |
| CSAA | $132 | $190 |
| Plymouth Rock | $136 | $210 |
| Progressive | $177 | $260 |
| Mercury | $215 | $296 |
| GEICO | $224 | $288 |
| Liberty Mutual | $262 | $321 |
| State Farm | $292 | $369 |
| Travelers | $377 | $476 |
Newark is the most expensive city in New Jersey for car insurance, and Brick is the cheapest. Bloomfield falls on the lower end of the spectrum. Its average rates are higher than Brick’s but still substantially lower than nearby cities like Newark or Paterson.
Bloomfield police reported that year-to-date auto thefts dropped 76%, from 37 incidents in 2025 to nine during the same period in 2026. Lower vehicle theft rates may be one factor contributing to Bloomfield’s more affordable car insurance premiums.
The following table shows how Bloomfield’s average monthly rates compare to those of other New Jersey cities.
City | Average Monthly Quote |
|---|---|
| Bloomfield | $213 |
| Brick | $177 |
| Jersey City | $240 |
| Kearny | $227 |
| Newark | $317 |
| Paterson | $309 |
| Trenton | $245 |
Here are some things you should know about driving in Bloomfield:
Plan for traffic. The Garden State Parkway runs directly through Bloomfield, and the city has major roads, including Bloomfield Avenue, Broad Street, and Franklin Street. Traffic can become congested, especially during the peak rush hours, so it’s important to allow for extra travel time.
Know the parking rules. The township enforces parking meters and permits requirements Monday through Saturday from 8 a.m. to 6 p.m. Parking is free after 6 p.m. on Sundays and on legally observed holidays. You’ll want to pay attention to posted time limits and permit requirements in municipal parking lots and downtown garages to avoid a parking ticket.
Prepare for severe weather. Bloomfield experiences severe weather, including flash floods that can develop quickly and make roads dangerous. The Bloomfield Fire Department has collaborated with state and local agencies to improve flood preparedness, but it’s still a good idea to check weather alerts before traveling.
New Jersey is a no-fault state, so drivers will typically file claims through their own insurance coverage, regardless of who caused the car accident. But traffic violations, at-fault accidents, and driving while intoxicated (DWIs) can still lead to higher car insurance rates, as insurers often consider these drivers as high risk.
The Bloomfield Traffic Division enforces local traffic laws and investigates traffic crashes. The division also monitors high-accident areas to improve roadway safety.
The following table shows the average monthly rates for different driving-related incidents in Bloomfield.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $213 |
| Speeding ticket | $285 |
| At-fault accident | $241 |
| DWI | $343 |
In New Jersey, teen drivers can’t get a learner’s permit until age 16 and a probationary license until age 17, which is a year later than most states. Plus, 15% of Bloomfield residents are age 65 and older.[4] Shopping around for coverage can help drivers of all ages find the most affordable rates.
The following table shows the cheapest liability rates for Bloomfield drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $367 |
| 20s | $265 |
| 30s | $238 |
| 40s | $245 |
| 50s | $230 |
| 60s | $195 |
| 70+ | $182 |
*Quotes generated for Insurify users in and around Bloomfield, New Jersey within the last 10 days. Last updated on July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Bloomfield, New Jersey within the last 10 days. Last updated on July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
The average cost of car insurance in Bloomfield falls below the state average, but you have additional ways to save. Here are the answers to some commonly asked questions about Bloomfield car insurance.
Bloomfield drivers pay an average monthly rate of $213 for car insurance. You can find the most affordable car insurance in Bloomfield by bundling your auto and home insurance or life insurance. You can also request a quote and compare offers from multiple insurance agencies.
NJM is the cheapest company for car insurance, with liability policies averaging $122 monthly. It’s still important to compare multiple car insurance quotes in Bloomfield, since the best insurer for you depends on your insurance needs and budget.
Your driving history, age, ZIP code, deductible, and vehicle type all affect how much you pay for auto insurance in Bloomfield. For example, Bloomfield teens pay almost double what drivers in their 60s pay for coverage.
You can find cheap Bloomfield car insurance by bundling your auto and homeowners insurance, or renters insurance, and requesting free quotes from multiple insurers. You can also work with an independent agent who can help you explore your options and find the cheapest coverage.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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