Cheap Auto Insurance Quotes in East Orange, NJ (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Though not everyone drives in New Jersey, many of those living in East Orange do. With all the pedestrians, cyclists, and other vehicles to watch out for, drivers here know that following the rules of the road is crucial to staying accident-free.

What else is important for keeping you and your family protected? Having an affordable auto insurance plan in place.

Car Insurance in East Orange, 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 East Orange, NJ to find you the cheapest quotes in the area.

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Cheapest Car Insurance in East Orange, NJ

Here are the cheapest carriers in East Orange for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in East Orange, NJ

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in East Orange. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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East Orange, NJ Driving Facts

Minimum Car Insurance Requirements in NJ

New Jersey requires all drivers to purchase either a basic or standard insurance policy. The basic policy liability limit is as follows:

  • $5,000 of property damage liability per accident

The standard policy liability limits are as follows:

  • $15,000 of bodily injury liability insurance per person, per accident
  • $30,000 of bodily injury liability for multiple injured people per accident
  • $5,000 of property damage liability per accident
new-jersey

East Orange Car Insurance Rates by Driver Age

'All but the most affluent East Orange teenagers will have a tough time paying their car insurance at $632 per month. For New Jerseyites, premiums drop as drivers add more years behind the wheel. Young adults in their 20s see an immediate over $190 price change with just a few years’ experience. The trend continues in a downward direction, but only those in their 60s beat the state''s average of $267. People in their 40s to 70s pay $300 less than what the teens do, a $3,600 per year difference.'

Driver's AgeAvg. Monthly Cost
teens$633
20s$439
30s$406
40s$306
50s$328
60s$258
70s$287
80sN/A
Driving HistoryAvg. Monthly Cost
No Violation$358
Speeding Ticket$402
At-Fault Accident$477
Failure to Stop for Red Light / Stop Sign$664

East Orange Car Insurance Rates by Driving and Accident History

In the Garden State, drivers put safety first and save money at the same time. One reason for the savings is the “good driver” and “accident-free” discounts that insurance companies give those with clean records. But price cuts can easily disappear if a driver speeds through a red light or past a stop sign, an offense that will cost over $300 per month. Even an at-fault fender bender adds $120 per month to the price. There is light at the end of the tunnel though. After three years of careful driving, violations and accidents stop affecting insurance premiums.

East Orange Car Insurance Rates by Credit Tier

Many East Orange residents ponder just how their credit score has anything to do with their ability to drive. But New Jersey, like most states, lets insurance companies factor in credit when setting rates. People with poor credit often pay far more than their better credit counterparts. The difference between having poor credit and excellent credit is $225 per month, or $3,330 per year. Even moving from poor credit to average credit saves over $50 per month, which will motivate many people to pay off debt.

Credit TieAvg. Monthly Cost
Excellent$239
Good$353
Average$404
Poor$465

East Orange, NJ DMV Information

Have a DMV errand to run? When it comes to taking care of their DMV-related needs, New Jersey drivers can get things done using in-person services or online options. Registering your vehicle? You can make an appointment at any Motor Vehicle center and skip the wait. First-time driver or need to get your license renewed? Make an appointment at your local license center.

Public Transportation in East Orange, NJ

Residents of East Orange can rest easy if they are without a car or just prefer not to drive. A network of New Jersey Transit bus and rail options exists in East Orange to get residents of this 4-square-mile city in and around town or over to New York City. Traditional taxis are another option. Don’t want to wait in line for the next bus or can’t catch a cab? On-demand services like Uber and Lyft stop here, too.

Conclusion: How to get the best and cheapest car insurance in East Orange, NJ

While having good auto insurance coverage in New Jersey is important, shopping insurance companies one data point at a time is a grind.

Is the scratch piece of paper you’ve been using to compare rates company after company really all that accurate? Using Insurify takes the guesswork out of comparing coverages and gets you the coverage you need quickly.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how East Orange stacks up for the state of New Jersey:

honda
Honda Accord
Most Popular Car in
East Orange, NJ
suspended licenses
#3
Cities with Most
Suspended Licenses Rank

FAQs - East Orange, NJ Car Insurance

Can I get full coverage insurance in New Jersey?

There’s no one type of coverage that can protect you against what happens on the road. An insurance policy is made up of a combination of coverages. First, you begin with the amount of coverage that your state requires, and then you add the types and amount of coverage that make you feel comfortable. State-required coverage usually only protects the other person if you are at fault for an accident.

What is liability coverage?

When you are at fault for an accident, there are certain insurance products that ensure you have money to pay for the other person’s medical bill and damages. Property damage liability coverage (PD) pays to have the other person’s vehicle fixed, for example. PD also applies to the repair of a fence or part of a building. Bodily injury liability coverage (BI) pays for a person’s medical bills up to a certain amount. Every state requires drivers to buy a certain amount of each of these coverages.

Do I have to have auto insurance in New Jersey?

It’s against the law to drive without auto insurance in New Jersey. If you choose to get on the road without insurance in this state, you can receive a fine of up to $5,000 and have your license suspended for up to two years. Driving without insurance here can also bring up to 14 days of jail time and additional fees.