Best Cheap Auto Insurance in Watchung, NJ (2021)

The average Watchung, NJ auto insurance rates are $484 per month. The minimum auto insurance in Watchung is at least 15/30/5 in coverage to comply with New Jersey auto insurance laws. To find the best cheap auto insurance in Watchung, 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

  • Average auto insurance rates in Watchung, NJ for senior drivers are $3,566 per year
  • The minimum auto insurance required in Watchung, New Jersey is 15/30/5
  • The average commute length in Watchung is 41.0 minutes

Watchung, New Jersey auto insurance requirements are 15/30/5 according to New Jersey auto insurance laws. Finding cheap auto insurance in Watchung 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 Watchung, New Jersey, including driving record, credit, commute time, and more.

Compare auto insurance in Watchung to other New Jersey cities, including Bayonne auto insurance rates, Passaic auto insurance rates, and Elizabeth auto insurance rates to see how Watchung, New Jersey auto insurance rates stack up.

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

Minimum Auto Insurance in Watchung, New Jersey

Watchung, 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 Watchung, New Jersey.

Minimum Required Auto Insurance Coverage in Watchung, 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 Watchung, New Jersey Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Watchung, 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 Watchung, 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 $4,419 $4,400 $4,308 $4,308 $13,851 $16,666 $5,229 $5,313
Farmers $4,902 $4,952 $4,771 $4,677 $14,517 $16,731 $5,838 $5,976
GEICO $1,933 $1,892 $1,880 $1,880 $3,474 $3,524 $2,207 $2,181
Liberty Mutual $4,270 $4,270 $4,688 $4,688 $11,188 $12,716 $4,688 $5,399
Progressive $2,017 $1,868 $1,824 $1,867 $9,250 $10,234 $2,390 $2,304
State Farm $4,768 $4,768 $4,328 $4,328 $15,745 $20,204 $5,445 $6,078
Travelers $3,424 $3,319 $3,176 $3,200 $7,757 $8,760 $3,323 $3,290

Cheap Watchung, New Jersey Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,851 $16,666
Farmers $14,517 $16,731
GEICO $3,474 $3,524
Liberty Mutual $11,188 $12,716
Progressive $9,250 $10,234
State Farm $15,745 $20,204
Travelers $7,757 $8,760

Cheap Watchung, New Jersey Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,308 $4,308
Farmers $4,771 $4,677
GEICO $1,880 $1,880
Liberty Mutual $4,688 $4,688
Progressive $1,824 $1,867
State Farm $4,328 $4,328
Travelers $3,176 $3,200

Cheap Watchung, 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 Watchung, New Jersey compared to the annual auto insurance rates with a clean record in Watchung, New Jersey.

Annual Watchung, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,470 $9,152 $7,957 $6,668
Farmers $6,031 $10,274 $8,328 $6,549
GEICO $1,851 $2,424 $3,360 $1,851
Liberty Mutual $6,233 $7,125 $6,364 $6,233
Progressive $3,425 $4,574 $3,899 $3,979
State Farm $4,451 $8,123 $13,065 $7,194
Travelers $3,475 $5,180 $5,015 $4,456

Cheap Watchung, New Jersey Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,957
Farmers $8,328
GEICO $3,360
Liberty Mutual $6,364
Progressive $3,899
State Farm $13,065
Travelers $5,015

Cheap Watchung, New Jersey Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $10,279 $6,527 $5,130
Farmers $9,282 $7,256 $6,849
GEICO $3,556 $2,059 $1,499
Liberty Mutual $8,219 $6,097 $5,150
Progressive $4,432 $3,882 $3,594
State Farm $11,886 $7,161 $5,578
Travelers $6,106 $4,457 $3,031

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Cheap Watchung, New Jersey Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
7069 $5,484

Cheap Watchung, New Jersey Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $7,298 $7,325
Farmers $7,796 $7,796
GEICO $2,353 $2,390
Liberty Mutual $6,425 $6,552
Progressive $3,969 $3,969
State Farm $7,991 $8,425
Travelers $4,531 $4,531

Cheap Watchung, New Jersey Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $6,684 $7,429 $7,822
Farmers $7,007 $7,750 $8,629
GEICO $2,133 $2,417 $2,564
Liberty Mutual $5,818 $6,683 $6,964
Progressive $3,582 $4,032 $4,293
State Farm $7,576 $8,324 $8,724
Travelers $4,127 $4,529 $4,938

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

Compare the cheapest auto insurance companies in Watchung, 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 Watchung, New Jersey

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

The Cheapest Watchung, New Jersey Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $7,312
Farmers $7,796
GEICO $2,371
Liberty Mutual $6,488
Progressive $3,969
State Farm $8,208
Travelers $4,531

What affects auto insurance rates in Watchung, New Jersey?

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

Watchung Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Watchung, New Jersey commute length is 41.0 minutes according to City-Data.

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Compare Watchung, New Jersey Auto Insurance Quotes

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