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

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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.

Quotes by Top Carriers
Quotes ($/mo)
$141
$275
$276
$326
$450
ProgressiveTravelersLiberty MutualAllstateState Farm
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$301
$317
$295
$304
$294
$294
New JerseyNewarkJersey CityPatersonElizabethEast Orange
Monthly $

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

East Orange, NJ Driving Facts

new-jersey

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

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.'

Driving History
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.

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.

Find local East Orange agents

PFS Auto Insurance
47 Central Ave, East Orange, NJ 07018
Clinton Robinson and Associates
464 Central Ave, East Orange, NJ 07018
Pardy Noel Insurance
885 S Orange Ave, East Orange, NJ 07018
Dependable Insurance Agency Inc
1030 S Orange Ave, Short Hills, NJ 07078
Farmers Insurance - Christine Veliz
229 Bloomfield Ave, Newark, NJ 07104
Farmers Insurance - Issac Okafor
134 Evergreen Pl Ste 401, East Orange, NJ 07018
Progressive
1030 S Orange Ave, Newark, NJ 07106

Insurify Insights: How East Orange Drivers Measure Up

honda
Honda Accord
Most Popular Car in
East Orange, NJ
suspended licenses
#4
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how East Orange drivers measure up to their fellow New Jersey motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents East Orange

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. East Orange drivers rank 16 in the number of car accidents per driver across all cities in New Jersey.

  • Rank within state: #16
  • Percent of drivers in East Orange with an accident: 8.64%
  • Drivers in East Orange, NJ with an accident in their driving history paid on average 59.56% more than drivers with a clean record

Speeding East Orange

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, East Orange drivers rank 14 in the number of speeding infractions per driver.

  • Rank within state: #14
  • Percent of drivers in East Orange with a speeding ticket: 5.12%
  • Drivers in East Orange, NJ with a speeding ticket in their driving history paid on average 33.54% more than drivers with a clean record

DUI/DWIs East Orange

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. East Orange drivers rank 23 in the number of DUI’s per driver across all cities in New Jersey.

  • Rank within state: #23
  • Percent of drivers in East Orange with a DUI: 0.8%
  • Drivers in East Orange, NJ with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude East Orange

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, East Orange drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in East Orange with a reckless driving violation: 2.88%
  • Drivers in East Orange, NJ with a reckless driving violation in their driving history paid on average 63.32% more than drivers with a clean record.

Safest Drivers East Orange

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; East Orange drivers rank 6 in clean driving records across all cities in New Jersey.

  • Rank within state: #6
  • Percent of drivers in East Orange with clean record: 85.12%

Failure to Yield the Right of Way East Orange

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. East Orange drivers rank 2 in failure to yield violations per driver across all cities in New Jersey.

  • Rank within state: #2
  • Percent of drivers in East Orange with a failure to yield violation: 0.48%
  • Drivers in East Orange, NJ with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers East Orange

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, East Orange drivers rank 4 in the number of reckless driving offenses per driver.

  • Rank within state: #4
  • Percent of drivers in East Orange with a reckless driving offense: 0.16%

Most Popular Vehicle East Orange

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in East Orange is the Honda Accord.


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.

Insurify Rate Comparison Methodology

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.