Buy Cheap Somerville, NJ Auto Insurance (2021)

Somerville, NJ auto insurance rates average $402 a month. Minimum auto insurance requirements in Somerville, New Jersey are 15/30/5 to comply with New Jersey laws. To buy cheap auto insurance in Somerville, NJ, compare Somerville auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Somerville, NJ after a DUI are $5,666/year
  • Average auto insurance rates in Somerville, NJ for teens drivers are $8,962/year
  • Average auto insurance rates in Somerville, NJ are $402/month

Finding affordable Somerville, New Jersey auto insurance can be challenging, but everything you need to know to buy cheap Somerville, NJ auto insurance with confidence is right here. Auto insurance rates in Somerville are affected by local factors as well as personal ones like your driving record.

See how Somerville, NJ car insurance rates compare to Newark auto insurance rates, Camden auto insurance rates, and Elizabeth auto insurance rates before you read more about the cost of auto insurance in Somerville.

Don’t buy Somerville, NJ auto insurance until you’ve compared rates. Get free Somerville, New Jersey auto insurance quotes when you enter your ZIP code above.

Somerville, NJ Minimum Auto Insurance Requirements

The required auto insurance in Somerville, NJ is 15/30/5 according to the auto insurance laws in New Jersey. The minimum auto insurance in Somerville, New Jersey is outlined here.

Minimum Required Auto Insurance Coverage in Somerville, 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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Find Cheap Somerville, NJ Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Somerville, NJ. Take a look at Somerville, New Jersey auto insurance rates by credit history.

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

Insurance Company Poor Fair Good
Allstate $7,283 $4,761 $3,762
Farmers $8,369 $6,664 $6,302
GEICO $3,556 $2,059 $1,499
Liberty Mutual $6,812 $5,067 $4,287
Progressive $3,980 $3,507 $3,265
State Farm $9,165 $5,539 $4,325
Travelers $4,966 $3,681 $2,562

Buy Cheap Somerville, NJ Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Somerville, New Jersey auto insurance rates? Find out how car insurance rates in Somerville, NJ are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Somerville, 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 $3,134 $3,119 $3,021 $3,021 $9,952 $12,409 $3,664 $3,830
Farmers $4,424 $4,470 $4,283 $4,221 $13,327 $15,371 $5,288 $5,511
GEICO $1,933 $1,892 $1,880 $1,880 $3,474 $3,524 $2,207 $2,181
Liberty Mutual $3,583 $3,583 $3,930 $3,930 $9,206 $10,444 $3,930 $4,504
Progressive $1,802 $1,683 $1,633 $1,655 $8,293 $9,348 $2,141 $2,117
State Farm $3,724 $3,724 $3,365 $3,365 $12,082 $15,515 $4,237 $4,734
Travelers $2,789 $2,736 $2,572 $2,618 $6,402 $7,282 $2,745 $2,749

Buy Cheap Somerville, NJ Auto Insurance for Teen Drivers

Auto insurance for teenagers in Somerville can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Somerville, NJ are listed here.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,952 $12,409
Farmers $13,327 $15,371
GEICO $3,474 $3,524
Liberty Mutual $9,206 $10,444
Progressive $8,293 $9,348
State Farm $12,082 $15,515
Travelers $6,402 $7,282

Buy Cheap Somerville, NJ Auto Insurance for Seniors

You can save on senior auto insurance rates in Somerville, New Jersey by comparing Somerville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Somerville, NJ here.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,021 $3,021
Farmers $4,283 $4,221
GEICO $1,880 $1,880
Liberty Mutual $3,930 $3,930
Progressive $1,633 $1,655
State Farm $3,365 $3,365
Travelers $2,572 $2,618

Find Cheap Auto Insurance Rates in Somerville, NJ by Coverage Level

The amount of coverage you choose is a big factor in the cost of Somerville, New Jersey auto insurance. Compare Somerville, NJ auto insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $4,905 $5,339 $5,562
Farmers $6,518 $7,102 $7,716
GEICO $2,133 $2,417 $2,564
Liberty Mutual $4,849 $5,547 $5,770
Progressive $3,282 $3,641 $3,829
State Farm $5,931 $6,420 $6,679
Travelers $3,442 $3,741 $4,027

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Find Cheap Somerville, NJ Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Somerville. Compare auto insurance rates in Somerville, NJ by commute length to see how your daily commute impacts your rates.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,259 $5,278
Farmers $7,112 $7,112
GEICO $2,353 $2,390
Liberty Mutual $5,337 $5,441
Progressive $3,584 $3,584
State Farm $6,184 $6,502
Travelers $3,736 $3,736

Find Cheap Somerville, NJ Auto Insurance Rates by Driving Record

Auto insurance rates in Somerville, New Jersey are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Somerville, NJ, take a look at the average cost for various violations versus rates for a clean driving record in Somerville.

Annual Somerville, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,961 $6,553 $5,751 $4,810
Farmers $5,475 $9,384 $7,569 $6,020
GEICO $1,851 $2,424 $3,360 $1,851
Liberty Mutual $5,178 $5,915 $5,284 $5,178
Progressive $3,125 $4,092 $3,516 $3,602
State Farm $3,460 $6,274 $10,076 $5,562
Travelers $2,886 $4,249 $4,108 $3,703

Find Cheap Somerville, NJ Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Somerville, New Jersey is higher than for a clean driving record. You can buy auto insurance after a DUI in Somerville for less when you shop around and compare rates from multiple Somerville, NJ auto insurance companies.

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,751
Farmers $7,569
GEICO $3,360
Liberty Mutual $5,284
Progressive $3,516
State Farm $10,076
Travelers $4,108

Winners by Category: Where to Buy Cheap Auto Insurance in Somerville, NJ

Compare rates from the cheapest auto insurance companies in Somerville, NJ for your needs. Take a look at how Somerville, New Jersey auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Somerville, 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

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Find Cheap Somerville, New Jersey Auto Insurance Companies

If you’re looking for the cheapest Somerville, NJ auto insurance companies overall, you can compare them here. Find the best price for Somerville, New Jersey car insurance by company.

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

Insurance Company Average Annual Rates
Allstate $5,269
Farmers $7,112
GEICO $2,371
Liberty Mutual $5,389
Progressive $3,584
State Farm $6,343
Travelers $3,736

What affects Somerville, New Jersey auto insurance rates?

Local factors affect auto insurance rates in Somerville, NJ, including traffic, theft statistics, and commute length. Take a look at the things that impact Somerville auto insurance rates.

Commute Times in Somerville

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Somerville, NJ is 25.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Somerville, NJ

You can buy cheap Somerville, NJ auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Somerville, New Jersey auto insurance quotes from top companies.

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