Best Cheap Auto Insurance in Wharton, NJ (2021)

The average Wharton, NJ auto insurance rates are $395 per month. The minimum auto insurance in Wharton is at least 15/30/5 in coverage to comply with New Jersey auto insurance laws. To find the best cheap auto insurance in Wharton, 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: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Wharton for teen drivers is State Farm
  • The average commute length in Wharton is 26.5 minutes
  • The cheapest auto insurance company in Wharton is GEICO

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

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

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

Minimum Auto Insurance in Wharton, New Jersey

Wharton, 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 Wharton, New Jersey.

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

Auto insurance rates in Wharton, 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 Wharton, 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 $2,881 $2,868 $2,767 $2,767 $9,085 $11,381 $3,360 $3,526
Farmers $4,055 $4,086 $3,933 $3,862 $11,904 $13,679 $4,824 $4,967
GEICO $1,990 $1,939 $1,925 $1,925 $3,537 $3,602 $2,260 $2,244
Liberty Mutual $3,592 $3,592 $3,939 $3,939 $9,217 $10,454 $3,939 $4,513
Progressive $1,760 $1,637 $1,592 $1,628 $7,906 $8,783 $2,080 $2,020
State Farm $3,960 $3,960 $3,586 $3,586 $12,938 $16,606 $4,512 $5,040
Travelers $2,960 $2,870 $2,738 $2,760 $6,651 $7,473 $2,880 $2,853

Cheap Wharton, New Jersey Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,085 $11,381
Farmers $11,904 $13,679
GEICO $3,537 $3,602
Liberty Mutual $9,217 $10,454
Progressive $7,906 $8,783
State Farm $12,938 $16,606
Travelers $6,651 $7,473

Cheap Wharton, New Jersey Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,767 $2,767
Farmers $3,933 $3,862
GEICO $1,925 $1,925
Liberty Mutual $3,939 $3,939
Progressive $1,592 $1,628
State Farm $3,586 $3,586
Travelers $2,738 $2,760

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

Annual Wharton, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,658 $5,978 $5,261 $4,420
Farmers $4,958 $8,425 $6,858 $5,415
GEICO $1,892 $2,482 $3,445 $1,892
Liberty Mutual $5,187 $5,926 $5,293 $5,187
Progressive $2,969 $3,928 $3,367 $3,441
State Farm $3,689 $6,702 $10,764 $5,939
Travelers $3,001 $4,457 $4,292 $3,842

Cheap Wharton, New Jersey Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,261
Farmers $6,858
GEICO $3,445
Liberty Mutual $5,293
Progressive $3,367
State Farm $10,764
Travelers $4,292

Cheap Wharton, New Jersey Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $6,659 $4,373 $3,456
Farmers $7,570 $6,002 $5,669
GEICO $3,643 $2,107 $1,533
Liberty Mutual $6,824 $5,076 $4,295
Progressive $3,819 $3,351 $3,108
State Farm $9,793 $5,914 $4,614
Travelers $5,231 $3,837 $2,627

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Cheap Wharton, New Jersey Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
7885 $4,487

Cheap Wharton, New Jersey Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,821 $4,838
Farmers $6,414 $6,414
GEICO $2,409 $2,447
Liberty Mutual $5,346 $5,450
Progressive $3,426 $3,426
State Farm $6,600 $6,947
Travelers $3,898 $3,898

Cheap Wharton, New Jersey Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,523 $4,888 $5,076
Farmers $5,833 $6,405 $7,003
GEICO $2,197 $2,471 $2,616
Liberty Mutual $4,859 $5,556 $5,779
Progressive $3,129 $3,482 $3,666
State Farm $6,304 $6,861 $7,156
Travelers $3,589 $3,901 $4,205

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

Compare the cheapest auto insurance companies in Wharton, 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 Wharton, 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 Wharton, New Jersey Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,829
Farmers $6,414
GEICO $2,428
Liberty Mutual $5,398
Progressive $3,426
State Farm $6,774
Travelers $3,898

What affects auto insurance rates in Wharton, New Jersey?

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

Wharton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Wharton, New Jersey commute length is 26.5 minutes according to City-Data.

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Compare Wharton, New Jersey Auto Insurance Quotes

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