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Avenel, NJ Cheap Auto Insurance, Find Local Agents in New Jersey for Maximum Savings

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467 Green St,
Wdbridge, NJ
(732) 636-0600
24 Creemer Ave,
Iselin, NJ
(732) 283-6300
1129 Raritan Rd,
Clark, NJ
(732) 680-4444
143 Us Highway 1 Unit 9,
Metuchen, NJ
(732) 823-9012
430 Lake Ave,
Colonia, NJ
(732) 499-9200
613b W Edgar Rd,
Linden, NJ
(908) 474-1510
548 Colgate Ave,
Perth Amboy, NJ
(732) 826-1247
21 W Blancke St,
Linden, NJ
(908) 862-3447
446a New Brunswick Ave,
Fords, NJ
(732) 738-5755
811 Amboy Ave,
Edison, NJ
(732) 738-7400
20 Highland Ave,
Metuchen, NJ
(732) 632-2790
362 State St,
Perth Amboy, NJ
(732) 826-1124
619 Amboy Ave,
Edison, NJ
(732) 738-6080
366 Lawrie St,
Perth Amboy, NJ
(732) 442-0066
1941 Oak Tree Rd Ste 103,
Edison, NJ
(732) 548-6040
1090 Green St,
Iselin, NJ
(732) 283-1723
Raritan Plaza Ii,
Edison, NJ
(732) 346-9560
530 S Wood Ave,
Linden, NJ
(908) 862-7499
1107 Saint Georges Ave,
Colonia, NJ
(732) 750-1322
289 Watson Ave,
Perth Amboy, NJ
(732) 376-9700
433 N Wood Ave,
Linden, NJ
(908) 925-0111
63 Pearl St,
Metuchen, NJ
(732) 549-0979
21 Commerce Dr Fl 3,
Cranford, NJ
(908) 272-3330
65 Jackson Dr Fl 3,
Cranford, NJ
(908) 276-9942
1065 Raritan Rd,
Clark, NJ
(732) 381-3100
472 Westfield Ave,
Clark, NJ
(732) 340-0500
720 King Georges Post Road,
Fords, NJ
(732) 738-5500
1460 Rte 9 N,
Wdbridge, NJ
(732) 726-1400
655 Amboy Ave Ste 201,
Wdbridge, NJ
(732) 634-8844
416 Centennial Ave,
Cranford, NJ
(908) 272-3540
1099 Inman Ave,
Edison, NJ
(732) 548-9035
663 Raritan Rd,
Cranford, NJ
(908) 497-0770
444 Convery Blvd,
Perth Amboy, NJ
(732) 442-7522
1109 Amboy Ave Ste 201,
Edison, NJ
(609) 451-0475
208 W Milton Ave,
Rahway, NJ
(732) 388-8080
971 Rossville Ave,
Staten Island, NJ
(718) 317-1400
691 Inman Ave,
Colonia, NJ
(732) 388-4243
537 Inman Ave,
Colonia, NJ
(732) 540-8566
514 Centennial Ave,
Cranford, NJ
(908) 931-9214
45 Page Ave,
Staten Island, NJ
(718) 966-8500
1500 Irving St,
Rahway, NJ
(732) 388-1800
1 Woodbridge Ctr Ste 305,
Wdbridge, NJ
(212) 349-6222
100 Walnut Ave Ste 503,
Clark, NJ
(732) 574-8000
178 Main St,
Wdbridge, NJ
(732) 636-5400
495 Main St,
Metuchen, NJ
(732) 548-2727
514 Rahway Ave,
Wdbridge, NJ
(732) 548-3445
540 Middlesex Ave,
Metuchen, NJ
(732) 548-3445
16 W Elizabeth Ave,
Linden, NJ
(908) 862-4047
95 Westfield Ave,
Clark, NJ
(732) 396-4466
441 N Wood Ave,
Linden, NJ
(908) 486-2626


Top Tips to Save on Your Auto Insurance
You want to be sure to compare cheap car insurance quotes and with local insurance agents to maximize your savings.
Top rated insurance companies like USAA, Progressive, Hartford, and Liberty Mutual are best. Over 84% are satisfied with claims handling with them.
Maintain good credit to keep your car insurance as low as possible.
Be sure to check for additional add-ons such as uninsured motorist coverage (UM), personal injury protection (PIP), medical payments coverage (MedPay), and roadside assistance.
Don't assume an older model vehicle cost less to insure. Insurance providers go by the safety rating and cost to replace it.
An easy way to lower comprehensive and collision coverage is to raise your deductible.
Take advantage of all auto insurance discounts. Which can be 20% or more in savings.
Do some research and take a few minutes to learn the minimum insurance and financial responsibility laws which apply in your state.
A good driving history is the best way to keep your car insurance rates as low as possible.
If you pay for auto insurance upfront in full you can save an additional 10% to 20%.
Don't let your car insurance lapse. If so, you will see a spike in rates.
Before buying a car shop for insurance quotes to see how much your premium may be.
Be sure to check your car insurance policy for mileage. If you drive less you can save hundreds more per year.
If you have an older model vehicle consider dropping optional car insurance such as comprehensive and collision insurance.
Make sure to do an annual insurance rate check. Plus auto insurance you may or may not need.
VehicleInsurance RateMSRP
Ford F-150 Car Insurance$1,329$28,745+
Honda Civic Car Insurance$2,043$21,050+
Tesla Model 3 Car Insurance$1,987$35,000+
Toyota Camry Car Insurance$1,233$24,970+
Chevrolet Silverado Car Insurance$1,572$28,300+
Dodge Ram 1500 Car Insurance$1,776$28,450+
Toyota Tacoma$1,728$26,150+
Nissan Altima$2,183$26,325+
Chevrolet Malibu$1,384$23,270+

Pros & Cons of Each Insurance Company

Type car insurance company name in search bar to find the pros, cons, and ratings. Otherwise, each insurer is from highest to lowest rated.

CompanyProsConsRating out of 5 Stars
Amica InsuranceZero restrictions on which body shop you use for repairs.Few driver discounts, including pre-pay, low mileage, and military discounts.5
USAA InsuranceJ. D. Power has rated USAA with a "perfect" score. Financial stability is highest rating of superior.USAA is only available to members of the military and their immediate family.5
Allstate InsuranceAllstate offers a claims satisfaction guarantee.With Allstate's claims guarantee is typically a higher price in premiums.4.5
American Family InsuranceAttractive features, discounts and benefits including the teen safe driver program.Coverage is only available in 19 states. To get an online quote you have to enter your car's VIN.4.5
Auto-Owners InsuranceGood enhancement options from Auto-Owners Personal Automobile Plus Package. Service and claims handling is top notch.No national coverage. Auto-Owners offer coverage in 26 states.4.5
Country Financial InsuranceBeen in business for 85 years and has top financial strength. 24/7 customer service.Coverage is only available in 17 states.4.5
Erie InsuranceFor South, Midwest, or Mid-Atlantic regions Erie consistently get high marks.Limited to certain regions of the country.4.5
GEICO InsuranceConsistently offers the lowest price.Known to raise rates during the time of the policy.4.5
Nationwide InsuranceNationwide rewards accident-free years with its vanishing deductible program.Coverage isn’t available in Alaska, Hawaii, Louisiana, or Massachusetts.4.5
Travelers InsuranceTravelers offers rates well below the national average.Not all coverage options are available in all states. Some customer complaints reported with billing/collection and customer service issues.4.5
Electric InsuranceValuable features and benefits for new cars, such as original equipment coverage. Perks for General Electric employees. Numerous discounts offered to bring your premium low.Mixed reviews on communications, billing, and collection practices.4.3
Cincinnati InsuranceOffers Personal Auto Plus program to help drivers get low premiums. Strong financial ratings with lower than average industry complaints.Spotty complaints by consumers of claims process. Online presence is poor you normally have to call an agent.4.2
Liberty Mutual InsuranceStrong customer service with attractive features such a new and better car replacement.New and Better car replacement are not offered in all states. And reports of poor claims handling for automobile repairs.4
MetLife InsuranceMetLife includes several extras at no cost, such as expanded coverage when you rent a car and identity theft protection.Other than group discounts and standard bundling discounts, there aren’t a lot of opportunities for savings.4
Ameriprise FinancialVery attractive discounts and strong financial rating.Limited availability. Only 14 states you can get a policy.4
Tennessee Farmers InsuranceLots of discounts such as distant student, homeowners, incident forgiveness, and more are available to give you better rates. No rate hikes for small claims/fender benders. If you get into a small accident, you won’t have to worry about the stability of your premium.Not all policy options are available in every state.4
Progressive Insurance1 out of 10 drivers have Progressive. Offers roadside assistance and has strong financial strength.Doesn't offer new or better car replacement.4
Texas Farm Bureau InsuranceOffers competitive rates for all age drivers particularly drivers over 35.Not offered in all states. Only available in Texas. Focuses more on life insurance rather than auto. Many customers say there may be substantial rate hikes year by year.4
Farmers InsuranceWith Farmers you can insure about everything.Customer service is not 24/7 and reports of not-so-great claims handling.4
Plymouth Rock InsuranceExcellent coverage with competitive premium rates. High satisfaction rate with customers. Considered by most reviews as the 1st or 2nd cheapest in the state of New Jersey.Only available in Connecticut, Massachusetts, New Hampshire, and New Jersey. It features several customer “perks” like the Get Home Safe® cab/ride share program and Door to Door Valet Claim Service. For unmarried drivers in the 4 states offered they are one of the cheapest.4
Safeco Insurance24/7 customer support with a comprehensive line of products plus discounts. 24/7 claims handling.Customers have complained of claims being underpaid.4
21st Century InsurancePart of Farmers. Has a partnership with Foremost Insurance to provide insurance on specialty vehicles like motorcycles and ATVs.If you have coverage outside of California you'll be directed to Farmers or Foremost.4
Hartford InsuranceMechanical breakdown coverage helps cover the cost of repairs that aren’t covered by your car’s warranty.Claims satisfaction rating is only 2 out of 5 stars.4
EsuranceOffers low rates, first rate website, and good customer service.Customers claim Esurance will penalize for cancelling a policy. No local agents.4
Southern Farm BureauAffordable rates in the markets they service with a bevy of discount options.
Faster than average claim payout times.
Policyholders seem very happy with Farm Bureau's personable customer service.
Can be tough to get in touch with the correct person at times when filing a claim.
There have been several reports of cancelled policies after an initial claim.
NJM InsuranceCompetitive premiums and offerings.
High satisfaction with claims processing and coverage. Most customers stay with them once covered.
Insurance only available to employees of select organizations.
Only in New Jersey and Pennsylvania.
Safety InsuranceVIP Claims Centers from Safety can be a great way to expedite the claims settlement process and minimize upheaval / interruption in drivers' lives. Rates are low for married and unmarried drivers.
Local expertise and concentration of personnel and service facilities in Massachusetts and New Hampshire.
Only available in Massachusetts and New Hampshire. Many customers say the claims process can be extremely slow with many followups after a claim submission.4
Wawanesa InsuranceIf you have a clean driving record your premium should be below average with this insurer.Available only in California and Oregon. Drivers with infractions may have a substantially higher premium.3.9
TitanGood, fairly priced options for non-standard auto insurance.
Coverage and company affiliated and backed by Nationwide parent company.
Only available in 26 states. The complaints are higher than average compared to similar insurers.3.8
Alfa MutualGood ratings on their financial strength, and a lower than average complaint index.Some customers complain of delays in and poor investigations during the claims resolution process. Coverage strongest in Alabama, Mississippi, and Georgia. Known in these states: Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky3.5
Allied InsuranceRecent partnership with Nationwide increases their coverage area and availabilityMight not get the same level of coverage and customer service in all areas. Not knowing which company you’re dealing with might cause confusion during the claims process3.5
Farm Bureau MutualOffers lower than average rates. Has a suite of discounts and affinity programs.Only available in 19 states.3.5
Arbella InsuranceSolid financial strength and business ratings should make you more confident in choosing Arbella. Competitive rates inside their service area.Auto policies only available in two states, Massachusetts and Connecticut.3.5
Grange MutualBeen in business since 1935 with over 1 billion in revenues. Can offer rates lower than main-street companies.Coverage available on in 12 states, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin.3.5
Mercury InsuranceMercury has a network of nearly 6,000 agents. Available in Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas, and Virginia.Some policyholders have expressed concerns in reviews about delays and lack of timely response and follow-up from claims representatives.3.5
Auto ClubExcellent roadside assistance service.
AM Best Rating of A+ Superior. Multiple membership discounts.
Drivers complain new vehicles will have excessive fees.3.5
Kentucky Farm BureauOffers lower rates than most competitors. Nice discount options and coverage terms.Not available in all states. Only in Kentucky.3.5
Encompass InsuranceStrong financial ratings. Are able to get unique and tailor policy options at a reasonable price.Poor reviews by customers of claims process.3.4
Elephant InsuranceGood repair assistance program to help drivers with damage vehicles. Premiums are lower than average.Only available in Virginia, Texas, Illinois, and Maryland. Consumer complaints are higher than average.3.2
Acceptance InsuranceGreat for non-standard or high risk drivers.Drivers with good driving history will pay above average. Claims process can be time consuming.3.1
State Farm InsuranceSuperior claims handling. State Farm has been the best at claims for years.Doesn’t offer stacked uninsured motorist or new car replacement coverages.3
Horace MannEstablished for teachers and those part of union, etc. Offers competitive rates.Claims process can be slow and payout from accidents are lower than expected.3
Home StateHome State insurance was originally chartered in 1948. Less known company with little advertising. Strongest in Texas and currently owned by Berkshire Hathaway Group. Specializes in nonstandard policies for drivers.Limited to area where you can get coverage from them. Price of policy is typically higher than the average policy holder. This is to be expected with nonstandard policy coverage.3
Hanover InsuranceEasy to customize your policy. Nice string of discounts.Prices can be higher than average.3
Mapfre InsuranceCan get low rates through Mapfre in Northeastern states such as Massachusetts.MAPFRE’s geographical territory is limited to 18 U.S. states. Not all policy options are available in every state.3
Kemper InsuranceKemper has excellent financial strength, flexible payment options and attractive discounts for policyholders.Their rates can be higher than average.3
The General InsuranceHisk risk drivers can get a policy with The General. Good for a person with a history of auto accidents.Has a reputation of not paying out claims in a timely fashion. Not good do for a driver with a clean record.3
Sentry InsuranceSentry has the highest financial strength rating available from A.M. Best. Attractive discounts to lower your premium by 20% or more.There are a number of customer complaints in the areas of products and services.3
State Auto InsuranceState Auto provides a variety of insurance options including car, home, farm, and business. Premium prices are usually average with many customers getting a lower rate from their previous carrier. Been in business since 1921 and policies are offered in 27 states.Claims handling process has poor reviews throughout online review portals. Many customers claim of substantially high rate hike after small claims.3
Chubb InsuranceCan pay with Agreed Settlements upfront. Choice of repair shops and no rental car daily limit.Tailors to individuals with higher than average net worth.3
Good2go Car InsuranceOffers extremely low rates some as little at $30 a month. Strong financial ratings.No brand recognition. Most believe to be a new company though Good2go has 25 years experience.2.5
Infinity InsuranceImmigrant friendly. With an AB 60 driver’s license resource center, immigrants can learn how to get a license in one place. If you’re new to the country, this company is very supportive of your driving.Infinity does make the JP Power list. Have to assume the financials aren't that great.2.5
Loya InsuranceAccess to full-service and proprietary offices where agents can handle quotes and claims.Mixed reviews on claims resolution and response times. Only available in the states of CA, CO, IL, NV, NM, and TX2.5
National GeneralSmart Services add features and coverages which most other companies don’t offer. Discounts for using or being affiliated with General Motors.Mixed reviews of claims handling and auto insurance coverage types.2.5
Safeway InsuranceIt is difficult to find anything good about this company.Presentation of inconsistent information from website and agents.2
Access Auto InsuranceBasic online website with some options so you don't have to talk to an agent.Better Business Bureau ratings are poor. Many times it is difficult to get a claims adjuster on the phone.1.9

Minimum Coverage by State, Uninsured Motorist Protection, & Personal Injury Protection

Type your state in the search to find details.

Average Yearly Premium SavingsStateMinimum Auto Insurance CoverageUninsured Motorist Protection Required?Personal Injury Protection (PIP) Required?
$613/yrAlabama Car Insurance25/50/25
$765/yrAlaska Car Insurance50/100/25
$875/yrArizona Car Insurance15/30/10
$643/yrArkansas Car Insurance25/50/25
$912/yrCalifornia Car Insurance15/30/5
$1,008/yrColorado Car Insurance25/50/15
$876/yrConnecticut Car Insurance20/40/10
$1,043/yrDelaware Car Insurance15/30/10
$342/yrFlorida Car Insurance10/20/10
$1,754/yrGeorgia Car Insurance25/50/25
$438/yrHawaiiCar Insurance20/40/10
$775/yrIdaho Car Insurance25/50/15
$954/yrIllinois Car Insurance20/40/15
$1,211/yrIndiana Car Insurance25/50/10
$658/yrIowa Car Insurance20/40/15
$699/yrKansas Car Insurance25/50/10
$1,211/yrKentucky Car Insurance25/50/10
$533/yrLouisiana Car Insurance15/30/25
$732/yrMaine Car Insurance50/100/25
$619/yrMaryland Car Insurance30/60/15
$323/yrMassachusetts Car Insurance20/40/5
$487/yrMichigan Car Insurance20/40/10
$769/yrMinnesota Car Insurance30/60/10
$1,006/yrMississippi Car Insurance25/50/25
$790/yrMissouri Car Insurance25/50/10
$643/yrMontana Car Insurance25/50/10
$628/yrNebraska Car Insurance25/50/25
$876/yrNevadaCar Insurance25/50/20
$899/yrNew Hampshire Car Insurance25/50/25
$893/yrNew Jersey Car Insurance15/30/5
$937/yrNew Mexico Car Insurance25/50/10
$1,041/yrNew York Car Insurance25/50/10
$473/yrNorth Carolina30/60/25
$644/yrNorth Dakota25/50/25
$743/yrRhode Island25/50/25
$834/yrSouth Carolina25/50/25
$531/yrSouth Dakota25/50/25
$1,710/yrWest Virginia20/40/10
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