Buy Cheap Watchung, NJ Auto Insurance (2021)

Watchung, NJ auto insurance rates average $484 a month. Minimum auto insurance requirements in Watchung, New Jersey are 15/30/5 to comply with New Jersey laws. To buy cheap auto insurance in Watchung, NJ, compare Watchung 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 Watchung, NJ for teens drivers are $10,826/year
  • The most expensive auto insurance company in Watchung is State Farm
  • The most expensive auto insurance company in Watchung after a DUI is State Farm

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

See how Watchung, NJ car insurance rates compare to Elizabeth auto insurance rates, Clifton auto insurance rates, and Jersey City auto insurance rates before you read more about the cost of auto insurance in Watchung.

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

Watchung, NJ Minimum Auto Insurance Requirements

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

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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Find Cheap Watchung, NJ Auto Insurance by Credit History

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

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

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

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

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

Buy Cheap Watchung, NJ Auto Insurance for Teen Drivers

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

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

Buy Cheap Watchung, NJ Auto Insurance for Seniors

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

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

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

The amount of coverage you choose is a big factor in the cost of Watchung, New Jersey auto insurance. Compare Watchung, NJ 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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Find Cheap Watchung, NJ Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Watchung, NJ Auto Insurance Rates by Driving Record

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

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

Find Cheap Watchung, NJ Auto Insurance Rates After a DUI

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

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

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

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

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

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Find Cheap Watchung, New Jersey Auto Insurance Companies

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

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 Watchung, New Jersey auto insurance rates?

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

Commute Times in Watchung

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Watchung, NJ is 41.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Watchung, NJ

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

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