Car Insurance in Elizabeth, NJ
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Drive Confidently With Car Insurance in Elizabeth, NJ
In Elizabeth, New Jersey, people don't like to stay still. With a high transit ridership, two train stations and an active bus service, many residents don't need a car to get around. Yet, on average, Elizabeth households own at least one vehicle and commute about 25.9 minutes to work.
Owning a car with valid insurance allows you to control where you go and when. Take a day trip to New York City or explore historical Philadelphia when you're itching to get out of Elizabeth. Or, if you aren't in the mood for the glamor of the Big Apple or the City of Brotherly Love, spend your time cruising through your hometown, the all-American Elizabeth, New Jersey.
Embark on an active nightlife by visiting the bars and nightclubs that continue buzzing after hours or spend an afternoon shopping at the Mills at Jersey Gardens. With a population of 134,000. it's a modest yet bustling city that keeps you occupied when you have reliable transportation.
Compare Basic vs. Standard Insurance Policies
Car insurance in Elizabeth, NJ, is required by law and costs about $2,991 per year or $249 monthly. This is more expensive, on average, than most of NJ.
To remain compliant, drivers must be able to present either a paper or electronic insurance identification card before an inspection, following a traffic stop and after an accident.
Basic Policy
The Automobile Insurance Cost Reduction Act mandated that drivers have access to a basic car insurance policy. While cheap, it also has fewer protections.
- Property Damage Liability: You can receive $5,000 per accident.
- Bodily Injury Liability: Bodily injury liability is not automatically included. However, you can add coverage up to $10,000 for all persons.
- Personal Injury Protection: For injuries you or other covered persons sustain, you have $15,000 per accident.
- Uninsured and Underinsured Motorist: You do not receive uninsured or underinsured coverage.
Standard Policy
Standard policies provide drivers with more options and higher protections. If you have substantial assets or a family, you may want to consider a standard policy.
- Property Damage Liability: Choose coverage between $25,000 per accident up to $100,000 or more.
- Bodily Injury Liability: You can get as low as $25,000 per person, $50,000 per accident, and as high as $250,000 per person, $500,000 per accident.
- Personal Injury Protection: On the low end, expect your coverage to be about $15,000 per person or accident, and for the higher end, expect about $250,000 or more.
- Uninsured and Underinsured Motorist: Your uninsured or underinsured policy will have coverage up to the amounts you select for liability coverage.
Both standard and basic policies give you an option for comprehensive and collision coverage. With VIU by HUB, you can explore custom insurance rates.
Determine Your Insurance Rates
The cost of car insurance in Elizabeth, NJ, depends heavily on the type and amount of coverage you obtain. Purchasing maximum coverage will require you to pay higher annual costs than the minimum. However, in an accident, you may have to pay more out of pocket because you chose the minimum.
Additionally, the deductible can affect your monthly and yearly costs. Deductibles are how much you agree to pay before your coverage kicks in. The more you pay for an incident, the less you have to pay in premiums.
Most insurers will factor in your experience, driving record and credit score to determine if you are a high or low-risk driver. If your current car insurance in Elizabeth, NJ, seems too high, compare your rates to those estimated by VIU by HUB.
This information is intended for general information purposes only and is not intended to constitute legal advice.