Cheap Auto Insurance Quotes in Camden, NJ (2023)

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Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Tanveen Vohra
Edited byTanveen Vohra
Tanveen Vohra
Tanveen VohraManager of Content and Communications
  • Property and casualty insurance specialist

  • 4+ years creating insurance content

Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.

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Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated August 31, 2022

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Car Insurance in Camden, NJ

The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Camden, NJ to find you the cheapest quotes in the area.

Quick Facts
  • The average cost of car insurance in Camden is $386 per month, or $4632 annually.

  • Car insurance in Camden is $146 more than the average cost of car insurance in New Jersey.

  • The cheapest car insurance provider in Camden on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheapest Car Insurance in Camden, NJ

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in CamdenQuotes
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Progressive$110 /mo
Travelers$279 /mo
Liberty Mutual$286 /mo
State Farm$412 /mo

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Average Car Insurance Cost

New Jersey Cities
Newark$317/mo
Jersey City$303/mo
Paterson$304/mo
Elizabeth$294/mo
Camden$272/mo
New Jersey$298/mo
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in New Jersey

All motor vehicles operated or parked on New Jersey roadways are required to be insured with either a basic or standard insurance plan. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

Where the basic plan only requires $5,000 per accident of property damage liability insurance, the minimum liability insurance requirements for a standard plan in New Jersey[1] are:

  • $15,000 per person for bodily injury

  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Jersey is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $15,000per person for uninsured underinsured motorist bodily injury

  • $30,000 per accident for uninsured/underinsured motorist bodily injury

  • $5,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.

Find local Camden agents

  • Ferullo Insurance Agencies LLC 

    1636 S. Front Street,
    Philadelphia, PA 19148
  • Trident Insurance Agency Company, LP 

    3 Executive Campus,
    Cherry Hill, NJ 08002
  • Troast-Singley Insurance Agency Llc 

    2700 S 18th St,
    Philadelphia, PA 19145-4703
  • Butrus & Whalon Inc 

    138 N 2nd St,
    Philadelphia, PA 19106-1902
  • J M Patton Associates Inc 

    1608 Walnut St Ste 902,
    Philadelphia, PA 19103-5451
  • Gannon Coyne & Associates Inc 

    1851 W Ritner,
    Philadelphia, PA 19147
  • Panacea Group, LLC 

    1520 Locust Street Ste 400,
    Philadelphia, PA
  • Bartlett & Company Inc 

    1601 Market St Ste 2560,
    Philadelphia, PA 19103-2304
  • M & C Insurance Agency-Camden 

    1024 Chestnut St,
    Camden, NJ 08103-2609
  • Alston-Calaf & Associates Inc. 

    116 N 2nd St Ste 108,
    Camden, NJ 08102-1155
View more

FAQs - Camden, NJ Car Insurance

  • How does where I live affect my car insurance rates?

    Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

  • How can I get the cheapest car insurance in my area?

    If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

  • Who offers the cheapest car insurance in my area?

Insurify Insights

How Camden Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Camden, New Jersey below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Camden drivers measure up to their fellow motorists across New Jersey in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Camden

#84

City with the Most Speeding Tickets Rank in New Jersey

#80

City with the Most Moving Violations Rank in New Jersey

#21

City with the Most DUIs Rank in New Jersey

#5

City with the Most Suspended Licenses in New Jersey

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Camden drivers rank 77 in the number of car accidents per driver across all cities in New Jersey.

    • Rank within state: #77
    • Percent of drivers in Camden with an accident: 6.9%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Camden drivers rank 21 in the number of DUI’s per driver across all cities in New Jersey.

    • Rank within state: #21
    • Percent of drivers in Camden with a DUI: 1.3%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New Jersey, Camden drivers rank 36 in the number of reckless driving offenses per driver.

    • Rank within state: #36
    • Percent of drivers in Camden with a reckless driving offense: 1.7%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New Jersey, Camden drivers rank 35 in rude driving infractions.

    • Rank within state: #35
    • Percent of drivers in Camden with a reckless driving violation: 2.1%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, Camden drivers rank 84 in the number of speeding infractions per driver.

    • Rank within state: #84
    • Percent of drivers in Camden with a speeding ticket: 3.8%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Camden drivers rank 21 in clean driving records across all cities in New Jersey.

    • Rank within state: #21
    • Percent of drivers in Camden with clean record: 81.4%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Camden drivers rank 65 in hybrid and electric vehicle ownership across all cities in New Jersey.

    • Rank within state: #65
    • Percent of drivers in Camden with a hybrid/electric vehicle: 0.68%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. New Jersey Department of Banking and Insurance. "State Minimum Car Insurance Requirements." Accessed May 27, 2022
Olivia Oksenhorn
Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Tanveen Vohra
Edited byTanveen VohraManager of Content and Communications
Tanveen Vohra
Tanveen VohraManager of Content and Communications
  • Property and casualty insurance specialist

  • 4+ years creating insurance content

Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.

Featured in

media logomedia logomedia logomedia logo
Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers