Cheap Auto Insurance Quotes in Somerset, NJ (2021)

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

Quotes by Top Carriers
Quotes ($/mo)
$152
$178
$221
$252
$286
Plymouth RockTravelersLiberty MutualBristol WestMercury
Monthly $

Cheapest Car Insurance in Somerset, NJ

Here are the cheapest carriers in Somerset 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.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$288
$317
$295
$304
$294
$230
New JerseyNewarkJersey CityPatersonElizabethSomerset
Monthly $

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Somerset, 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

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Insurify Insights: How Somerset Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Somerset, NJ
suspended licenses
#21
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 Somerset 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 Somerset

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. Somerset drivers rank 2 in the number of car accidents per driver across all cities in New Jersey.

  • Rank within state: #2
  • Percent of drivers in Somerset with an accident: 12.64%
  • Drivers in Somerset, NJ with an accident in their driving history paid on average 48.58% more than drivers with a clean record

Speeding Somerset

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, Somerset drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Somerset with a speeding ticket: 7.81%
  • Drivers in Somerset, NJ with a speeding ticket in their driving history paid on average 29.72% more than drivers with a clean record

DUI/DWIs Somerset

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Somerset drivers rank 12 in the number of DUI’s per driver across all cities in New Jersey.

  • Rank within state: #12
  • Percent of drivers in Somerset with a DUI: 1.12%
  • Drivers in Somerset, NJ with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Somerset

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

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.