Best Cheap Auto Insurance in Berlin, NJ (2021)

The average Berlin, NJ auto insurance rates are $501 per month. The minimum auto insurance in Berlin is at least 15/30/5 in coverage to comply with New Jersey auto insurance laws. To find the best cheap auto insurance in Berlin, New Jersey, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Berlin is 31.5 minutes
  • The cheapest auto insurance company in Berlin is GEICO
  • The most expensive auto insurance company in Berlin for teen drivers is State Farm

Berlin, New Jersey auto insurance requirements are 15/30/5 according to New Jersey auto insurance laws. Finding cheap auto insurance in Berlin can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Berlin, New Jersey, including driving record, credit, commute time, and more.

Compare auto insurance in Berlin to other New Jersey cities, including Passaic auto insurance rates, Newark auto insurance rates, and Union City auto insurance rates to see how Berlin, New Jersey auto insurance rates stack up.

Before you buy Berlin, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Berlin, New Jersey auto insurance quotes.

Minimum Auto Insurance in Berlin, New Jersey

Berlin, New Jersey auto insurance laws require that you have at least the New Jersey minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Berlin, New Jersey.

Minimum Required Auto Insurance Coverage in Berlin, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Berlin, New Jersey Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Berlin, New Jersey are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Berlin, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,398 $3,381 $3,306 $3,306 $10,684 $12,978 $4,004 $4,097
Farmers $5,092 $5,133 $4,971 $4,834 $14,624 $16,774 $6,020 $6,042
GEICO $2,495 $2,459 $2,445 $2,445 $4,563 $4,494 $2,887 $2,774
Liberty Mutual $5,499 $5,499 $6,045 $6,045 $14,225 $16,134 $6,045 $6,932
Progressive $2,176 $1,997 $1,960 $2,036 $9,729 $10,516 $2,563 $2,393
State Farm $5,046 $5,046 $4,580 $4,580 $16,696 $21,426 $5,764 $6,434
Travelers $3,291 $3,171 $3,055 $3,069 $7,330 $8,205 $3,176 $3,128

Cheap Berlin, New Jersey Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Berlin, New Jersey is a challenge. Take a look at the annual teen auto insurance rates in Berlin, New Jersey.

Annual Auto Insurance Rates for Teen Drivers in Berlin, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,684 $12,978
Farmers $14,624 $16,774
GEICO $4,563 $4,494
Liberty Mutual $14,225 $16,134
Progressive $9,729 $10,516
State Farm $16,696 $21,426
Travelers $7,330 $8,205

Cheap Berlin, New Jersey Auto Insurance for Seniors

What are senior auto insurance rates in Berlin, New Jersey? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Berlin, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,306 $3,306
Farmers $4,971 $4,834
GEICO $2,445 $2,445
Liberty Mutual $6,045 $6,045
Progressive $1,960 $2,036
State Farm $4,580 $4,580
Travelers $3,055 $3,069

Cheap Berlin, New Jersey Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Berlin, New Jersey compared to the annual auto insurance rates with a clean record in Berlin, New Jersey.

Annual Berlin, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,220 $7,049 $6,164 $5,145
Farmers $6,171 $10,419 $8,529 $6,626
GEICO $2,383 $3,140 $4,375 $2,383
Liberty Mutual $7,970 $9,138 $8,134 $7,970
Progressive $3,551 $4,846 $4,109 $4,180
State Farm $4,711 $8,606 $13,849 $7,620
Travelers $3,300 $4,933 $4,757 $4,221

Cheap Berlin, New Jersey Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Berlin, New Jersey is not easy. Compare the annual rates for DUI auto insurance in Berlin, New Jersey to find the best deal.

Annual Auto Insurance Rates After a DUI in Berlin, New Jersey

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,164
Farmers $8,529
GEICO $4,375
Liberty Mutual $8,134
Progressive $4,109
State Farm $13,849
Travelers $4,757

Cheap Berlin, New Jersey Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Berlin, New Jersey annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Berlin, New Jersey

Insurance Company Poor Fair Good
Allstate $7,877 $5,069 $3,988
Farmers $9,530 $7,353 $6,926
GEICO $4,635 $2,656 $1,919
Liberty Mutual $10,542 $7,798 $6,570
Progressive $4,696 $4,074 $3,744
State Farm $12,598 $7,585 $5,906
Travelers $5,816 $4,232 $2,860

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Cheap Berlin, New Jersey Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Berlin, New Jersey can vary. Compare the annual cost of auto insurance by ZIP code in Berlin, New Jersey to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Berlin, New Jersey

ZIP Code Average Annual Rates
8009 $5,657

Cheap Berlin, New Jersey Auto Insurance Rates By Commute

Commute length and annual mileage affect Berlin, New Jersey auto insurance. Find the cheapest annual Berlin, New Jersey auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Berlin, New Jersey

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,634 $5,655
Farmers $7,936 $7,936
GEICO $3,044 $3,096
Liberty Mutual $8,222 $8,384
Progressive $4,171 $4,171
State Farm $8,466 $8,927
Travelers $4,303 $4,303

Cheap Berlin, New Jersey Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Berlin, New Jersey? Check out the comparison of annual Berlin, New Jersey auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Berlin, New Jersey

Insurance Company Low Medium High
Allstate $5,203 $5,728 $6,002
Farmers $7,067 $7,871 $8,871
GEICO $2,747 $3,128 $3,335
Liberty Mutual $7,342 $8,571 $8,996
Progressive $3,762 $4,235 $4,516
State Farm $8,022 $8,820 $9,247
Travelers $3,926 $4,300 $4,682

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Best By Category: Cheapest Auto Insurance in Berlin, New Jersey

Compare the cheapest auto insurance companies in Berlin, New Jersey in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Berlin, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

The Cheapest Berlin, New Jersey Auto Insurance Companies

What auto insurance companies in Berlin, New Jersey are the cheapest? Compare the top Berlin, New Jersey auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Berlin, New Jersey

Insurance Company Average Annual Rates
Allstate $5,644
Farmers $7,936
GEICO $3,070
Liberty Mutual $8,303
Progressive $4,171
State Farm $8,696
Travelers $4,303

What affects auto insurance rates in Berlin, New Jersey?

There are a lot of reasons why auto insurance rates in Berlin, New Jersey are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Berlin, New Jersey. Many local factors may affect your Berlin auto insurance rates.

Berlin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Berlin, New Jersey commute length is 31.5 minutes according to City-Data.

Berlin Traffic

How does Berlin, New Jersey rank for traffic? According to Inrix Berlin, New Jersey is the 41st most congested worldwide.

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Compare Berlin, New Jersey Auto Insurance Quotes

Before you buy Berlin, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Berlin, New Jersey auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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