Cheap Auto Insurance Quotes in East Orange, NJ (2023)

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.

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• Cheap Car Insurance New Jersey

• Compare Car Insurance

Cheapest Car Insurance in East Orange, NJ

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in East Orange. For the complete list, see Insurify's best car insurance companies .

See More: Best Car Insurance Companies

Average Car Insurance Cost

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Minimum Car Insurance Requirements in New Jersey

All motor vehicles operated or parked on New Jersey roadways are required to be insured with either a basic or standard insurance plan. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

Where the basic plan only requires $5,000 per accident of property damage liability insurance, the minimum liability insurance requirements for a standard plan in New Jersey^[1] are:

• $15,000 per person for bodily injury

• $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Jersey is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $15,000per person for uninsured underinsured motorist bodily injury

• $30,000 per accident for uninsured/underinsured motorist bodily injury

• $5,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.

Read More: What is Liability Car Insurance?

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.'

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.

See More:

• High-risk Car Insurance New Jersey

• DUI Car Insurance New Jersey

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.

See More: Bad Credit Car Insurance New Jersey

Find local East Orange agents

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.

For more detailed New Jersey city level guides, check out these below.

• Average Cost of Car Insurance Rates in New Jersey

• DUI Car Insurance Rates in New Jersey

• High-Risk Driver Car Insurance Rates in New Jersey

• New Jersey Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in New Jersey

• SR-22 Insurance in New Jersey

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.

FAQs - East Orange, NJ Car Insurance