Car Insurance in Elizabeth, NJ – How Much Does it Cost? (2025 Rates)

We compare insurance rates for many popular vehicles to find the cars, pickups, and SUVs with cheap car insurance quotes in Elizabeth, NJ.

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  • Average car insurance cost in Elizabeth is $3,106 per year, or approximately $259 per month.
  • Elizabeth car insurance costs $262 per year more than the New Jersey state average cost and $885 per year more than the average rate for all 50 U.S. states.
  • Monthly auto insurance rates for a few popular models in Elizabeth include the Chevrolet Silverado at $286, Honda Accord at $250, and Jeep Cherokee at $279.
  • Compact crossovers and SUVs like the Buick Encore, Mazda CX-5, Hyundai Venue, and Nissan Kicks have the best chance of receiving cheap car insurance in Elizabeth.

How much does car insurance cost in Elizabeth?

In Elizabeth, the average cost to insure a vehicle is $3,106 per year, which is 33.2% more than the overall national average rate of $2,221. Per month, Elizabeth drivers can expect to pay an average of $259 for full coverage.

In the state of New Jersey, the average cost of car insurance is $2,844 per year, so the cost in Elizabeth averages $262 more per year. The cost to insure a car in Elizabeth compared to other New Jersey locations is about $52 per year cheaper than in Paterson, $272 per year more than in Jersey City, and $122 per year less than in Newark.

Driver age is one of the biggest determining factors on the price of car insurance. The list below details how age impacts cost by showing average car insurance rates in Elizabeth based on the age of the driver.

Elizabeth car insurance cost by driver age

  • 16 year old – $11,057 per year or $921 per month
  • 17 year old – $10,711 per year or $893 per month
  • 18 year old – $9,600 per year or $800 per month
  • 19 year old – $8,743 per year or $729 per month
  • 20 year old – $6,246 per year or $521 per month
  • 30 year old – $3,312 per year or $276 per month
  • 40 year old – $3,106 per year or $259 per month
  • 50 year old – $2,750 per year or $229 per month
  • 60 year old – $2,576 per year or $215 per month

The next chart shows average car insurance rates in Elizabeth, NJ, for 2024 model year vehicles not only by the age of the driver, but also by three different physical damage coverage deductibles.

Average full-coverage car insurance premium in Elizabeth, NJ for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Elizabeth, NJ for different ages of drivers. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Elizabeth, NJ Zip Codes.

Average Car Insurance Cost in Elizabeth, NJ
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$5,284$440
$500$6,246$521
$250$7,262$605
30$1,000$2,774$231
$500$3,312$276
$250$3,870$323
40$1,000$2,612$218
$500$3,106$259
$250$3,620$302
50$1,000$2,324$194
$500$2,750$229
$250$3,194$266
60$1,000$2,178$182
$500$2,576$215
$250$2,990$249

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Elizabeth, NJ Zip Codes. Updated June 26, 2025

Average car insurance rates in the previous chart range from $2,178 per year for a policy with high physical damage deductibles for a 60-year-old driver to $7,262 per year for a 20-year-old driver with a low deductible policy.

When that data is converted to a monthly rate, the average cost of car insurance per month in Elizabeth ranges from $182 to $605.

Elizabeth auto insurance rates are priced differently for everyone and minor changes in driver risk profiles can have enormous effects on car insurance cost. The high chance of significant rate differences reinforces the need for multiple car insurance quotes when shopping online for the cheapest car insurance in Elizabeth, New Jersey.

The rates referenced above are averaged for every 2024 model year vehicle, which is practical when making broad comparisons such as the average cost difference by driver age or location.

Average car insurance rates work exceptionally well when answering questions like “is Elizabeth auto insurance cheaper than Trenton?” or “is auto insurance cheaper in New Jersey or California?”.

But for more useful car insurance rate comparisons, we get better data if we instead use rates for the specific vehicle being insured. Every vehicle has different characteristics for liability and physical damage claims, and this data enables detailed cost comparisons.

This next chart shows average auto insurance rates in Elizabeth for a small sample of popular cars, pickups, and SUVs. Later on in this article, we will examine insurance cost for some of these vehicles in more detail.

Average cost to insure popular 2024 model year vehicles in Elizabeth.
Figure 2: Average cost to insure popular 2024 model year vehicles in Elizabeth. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Elizabeth Zip Codes.

Elizabeth, NJ, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$2,294$191
Mazda CX-5$2,532$211
Honda CR-V$2,646$221
Honda HR-V$2,702$225
Subaru Forester$2,762$230
Nissan Rogue$2,790$233
Ford Explorer$2,816$235
Ford Escape$2,834$236
Nissan Sentra$2,846$237
Toyota RAV4$2,864$239
Hyundai Tucson$2,886$241
Honda Pilot$3,022$252
Toyota Corolla$3,026$252
Jeep Grand Cherokee$3,104$259
Toyota Tacoma$3,144$262
Hyundai Santa Fe$3,156$263
Toyota Camry$3,334$278
Ford Mustang$3,410$284
GMC Sierra$3,430$286
Chevrolet Silverado$3,432$286
Ford Bronco$3,446$287
Ford F150$3,474$290
Ram Truck$3,588$299
Chevrolet Corvette$4,298$358

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Elizabeth, NJ Zip Codes. Updated June 26, 2025

The models that sell well in Elizabeth tend to be compact and midsize sedans like the Hyundai Elantra and Kia K5 and compact or midsize SUVs like the Toyota RAV4 and Toyota Highlander.

A few additional popular models from other segments include luxury cars like the BMW 530i and Lexus ES 350, luxury SUVs like the Lexus RX 350 and Acura MDX, and models from the pickup truck segment like the Ford Ranger and Ford F-150.

We will get into additional rates later on in this article, but before we do that, let’s look at some of the ideas that were covered so far.

  • Monthly car insurance cost ranges from $215 to $921 – That is the average auto insurance cost range for drivers age 16 to 60 in Elizabeth, NJ.
  • Elizabeth car insurance rates are more expensive than the New Jersey state average – $3,106 (Elizabeth average) compared to $2,844 (New Jersey average)
  • Low deductible auto insurance costs more – A 50-year-old driver pays an average of $1,296 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
  • Auto insurance is generally cheaper as you get older – Average car insurance rates for a 50-year-old driver in Elizabeth are $3,496 per year cheaper than for a 20-year-old driver.
  • Elizabeth, NJ, average car insurance cost is more than the U.S. average – $3,106 (Elizabeth average) compared to $2,221 (U.S. average)
  • Insurance for teenagers can be very expensive – Cost ranges from $7,393 to $11,057 per year for car insurance for teens in Elizabeth.
  • Auto insurance rates fall considerably from age 20 to 30 – The average 30-year-old Elizabeth, NJ, driver will pay $2,934 less per year than a 20-year-old driver, $3,312 compared to $6,246.

Which cars have cheap insurance in Elizabeth, NJ?

The vehicles with the cheapest average insurance prices in Elizabeth, NJ, tend to be small SUVs like the Kia Soul, Subaru Crosstrek, and Hyundai Venue.

Average insurance rates for those vehicles cost $2,522 or less per year for full coverage.

Examples of other models that are ranked high in our insurance cost comparison are the Buick Envista, Buick Encore, Honda HR-V, and Acura RDX. Average cost is a little bit more for those models than the cheapest crossovers and small SUVs at the top of the rankings, but they still have an average cost of $2,702 or less per year ($225 per month) in Elizabeth.

The following table breaks down the 40 cars, trucks, and SUVs with the cheapest insurance rates in Elizabeth, ordered by annual cost.

Top 40 Cheapest Car Insurance Rates in Elizabeth, NJ
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,294$191
2Chevrolet Trailblazer$2,334$195
3Kia Soul$2,422$202
4Nissan Kicks$2,444$204
5Honda Passport$2,472$206
6Buick Envision$2,488$207
7Toyota Corolla Cross$2,500$208
8Hyundai Venue$2,522$210
9Mazda CX-5$2,532$211
10Ford Bronco Sport$2,542$212
11Volkswagen Tiguan$2,568$214
12Acura RDX$2,596$216
13Nissan Murano$2,608$217
14Buick Encore$2,636$220
15Subaru Outback$2,644$220
16Honda CR-V$2,646$221
17Buick Envista$2,656$221
18Volkswagen Taos$2,660$222
19Kia Niro$2,674$223
20Toyota GR Corolla$2,698$225
21Honda HR-V$2,702$225
22Subaru Ascent$2,702$225
23Nissan Leaf$2,718$227
24Chevrolet Colorado$2,734$228
25Lexus NX 250$2,748$229
26Honda Civic$2,750$229
27Volkswagen Atlas$2,754$230
28Acura Integra$2,760$230
29Subaru Forester$2,762$230
30Volkswagen Atlas Cross Sport$2,766$231
31Kia Seltos$2,774$231
32GMC Terrain$2,778$232
33Nissan Rogue$2,790$233
34Hyundai Kona$2,794$233
35Mazda CX-30$2,800$233
36Cadillac XT4$2,802$234
37Volkswagen ID4$2,814$235
38Ford Explorer$2,816$235
39Toyota Highlander$2,824$235
40Toyota Venza$2,832$236

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Elizabeth, NJ Zip Codes. Updated June 27, 2025

Top 40 cheapest vehicles to insure in Elizabeth, NJ with the Subaru Crosstrek ranking first at $2,294 per year
Top 40 cheapest vehicles to insure in Elizabeth, NJ with the Subaru Crosstrek ranking first at $2,294 per year

A list of 40 vehicles with the cheapest insurance in Elizabeth is not the most useful way to show the full picture of car insurance rates in Elizabeth. Due to the fact that we track over 700 vehicles, a lot of vehicles get left off the list.

So let’s dig deeper and display the cheapest models in a format that makes more sense. The following six sections show the top 20 vehicles with the lowest cost auto insurance rates for the six most popular automotive segments.

Cheapest car insurance rates in Elizabeth

When comparing 2024 models, the top five most budget-friendly non-luxury sedans and hatchbacks to insure in Elizabeth are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Insurance rates for these models range from $2,698 to $2,854 per year.

Other models that are affordable to insure include the Honda Accord, Chevrolet Malibu, Toyota Prius, and Kia K5, with average cost of $3,026 per year or less.

Full-coverage insurance in this segment for a middle-age safe driver starts at around $225 per month, depending on where you live and the company you use. The rate comparison table below ranks the cars with the cheapest car insurance in Elizabeth.

Cheapest Insurance for Cars in Elizabeth, NJ
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,698$225
Nissan LeafCompact$2,718$227
Honda CivicCompact$2,750$229
Nissan SentraCompact$2,846$237
Subaru ImprezaCompact$2,854$238
Toyota PriusCompact$2,900$242
Kia K5Midsize$2,990$249
Honda AccordMidsize$2,998$250
Chevrolet MalibuMidsize$3,012$251
Toyota CorollaCompact$3,026$252
Kia ForteCompact$3,030$253
Volkswagen ArteonMidsize$3,050$254
Nissan VersaCompact$3,060$255
Subaru LegacyMidsize$3,066$256
Hyundai Ioniq 6Midsize$3,088$257
Mitsubishi Mirage G4Compact$3,132$261
Volkswagen JettaCompact$3,140$262
Toyota CrownMidsize$3,142$262
Hyundai SonataMidsize$3,148$262
Mazda 3Compact$3,210$268

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Elizabeth, NJ Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Elizabeth, NJ, with the Toyota GR Corolla ranking first at $2,698 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Elizabeth, NJ, with the Toyota GR Corolla ranking first at $2,698 per year.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see insurance cost for your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Elizabeth car insurance quotes from top-rated companies in New Jersey.

Cheapest SUV insurance rates

Taking the top spot in Elizabeth for cheapest average insurance rates in the SUV segment is the Subaru Crosstrek, with an average cost of $2,294 per year. Second place is the Chevrolet Trailblazer costing $2,334 per year, and in third place is the Kia Soul, costing an average of $2,422 per year.

Also ranking well in our comparison are SUVs like the Toyota Corolla Cross, Buick Envision, Mazda CX-5, and Hyundai Venue, with average insurance cost of $2,542 per year or less.

Car insurance rates in Elizabeth for this segment for a good driver starts at around $191 per month, depending on the company and your location.

The comparison table below ranks the SUVs with the most affordable car insurance rates in Elizabeth.

Cheapest Insurance for SUVs in Elizabeth, NJ
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,294$191
Chevrolet TrailblazerCompact$2,334$195
Kia SoulCompact$2,422$202
Nissan KicksCompact$2,444$204
Honda PassportMidsize$2,472$206
Buick EnvisionCompact$2,488$207
Toyota Corolla CrossCompact$2,500$208
Hyundai VenueCompact$2,522$210
Mazda CX-5Compact$2,532$211
Ford Bronco SportCompact$2,542$212
Volkswagen TiguanCompact$2,568$214
Nissan MuranoMidsize$2,608$217
Buick EncoreCompact$2,636$220
Subaru OutbackMidsize$2,644$220
Honda CR-VCompact$2,646$221
Buick EnvistaMidsize$2,656$221
Volkswagen TaosCompact$2,660$222
Kia NiroCompact$2,674$223
Honda HR-VCompact$2,702$225
Subaru AscentMidsize$2,702$225

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Elizabeth, NJ Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Elizabeth, NJ, with the Subaru Crosstrek ranking first at $2,294 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Elizabeth, NJ, with the Subaru Crosstrek ranking first at $2,294 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Looking for rates for a different SUV? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Elizabeth car insurance quotes from top-rated companies in New Jersey.

Cheapest luxury cars to insure

The most affordable luxury cars to insure in Elizabeth are the Acura Integra at $2,760 per year, the BMW 330i at $3,162 per year, and the Mercedes-Benz CLA250 at $3,194 per year.

Not the cheapest luxury cars to insure, but still very reasonable, are luxury cars like the Lexus RC 300, Cadillac CT4, Genesis G70, and Lexus ES 350, with an average cost to insure of $3,264 per year or less.

Car insurance in Elizabeth for this segment for the average driver can cost as low as $230 per month, depending on the company and your location.

When the luxury car segment is analyzed by vehicle size, the most affordable compact luxury car to insure in Elizabeth is the Acura Integra at $2,760 per year, or $230 per month. For midsize luxury cars, the Mercedes-Benz CLA250 has the cheapest rates at $3,194 per year, or $266 per month. And for full-size luxury car models, the Audi A5 has the cheapest car insurance rates at $3,688 per year, or $307 per month.

The rate comparison table below ranks the luxury cars with the lowest-cost average car insurance rates in Elizabeth.

Cheapest Insurance for Luxury Cars in Elizabeth, NJ
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,760$230
BMW 330iCompact$3,162$264
Mercedes-Benz CLA250Midsize$3,194$266
Lexus IS 300Midsize$3,200$267
Acura TLXCompact$3,210$268
Cadillac CT4Compact$3,242$270
Lexus ES 350Midsize$3,242$270
Genesis G70Compact$3,250$271
Mercedes-Benz AMG CLA35Midsize$3,254$271
Lexus RC 300Midsize$3,264$272
Lexus IS 350Compact$3,276$273
Jaguar XFMidsize$3,284$274
Cadillac CT5Midsize$3,346$279
Lexus ES 250Midsize$3,358$280
Lexus RC 350Compact$3,368$281
BMW 330eCompact$3,372$281
BMW 228iCompact$3,378$282
BMW 230iCompact$3,404$284
Lexus ES 300hMidsize$3,408$284
Audi S3Compact$3,480$290

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Elizabeth, NJ Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Elizabeth, NJ, with the Acura Integra ranking first at $2,760 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Elizabeth, NJ, with the Acura Integra ranking first at $2,760 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Need rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Elizabeth car insurance quotes from the best companies in New Jersey.

Cheapest luxury SUVs to insure

The Acura RDX comes in at #1 as the cheapest luxury SUV model to insure in Elizabeth, followed by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model averages $2,596 per year to insure for full coverage.

Not the cheapest, but still in the top 10, are luxury SUVs like the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus NX 350h, and Lexus UX 250h, with an average cost of $2,994 per year or less.

From a cost per month standpoint, full-coverage insurance in this segment can cost as low as $216 per month, depending on your location and insurance company.

The next table ranks the luxury SUVs with the lowest-cost car insurance in Elizabeth.

Cheapest Insurance for Luxury SUVs in Elizabeth, NJ
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,596$216
Lexus NX 250Compact$2,748$229
Cadillac XT4Compact$2,802$234
Jaguar E-PaceMidsize$2,902$242
Cadillac XT5Midsize$2,928$244
Lexus NX 350hCompact$2,928$244
Lincoln CorsairCompact$2,964$247
Mercedes-Benz GLB 250Compact$2,970$248
Lexus UX 250hCompact$2,978$248
Lexus NX 450hCompact$2,994$250
Infiniti QX50Midsize$3,016$251
Mercedes-Benz GLA250Compact$3,026$252
Cadillac XT6Midsize$3,036$253
Mercedes-Benz GLA35 AMGCompact$3,036$253
Infiniti QX60Midsize$3,052$254
Mercedes-Benz AMG GLB35Midsize$3,058$255
Land Rover EvoqueCompact$3,100$258
Acura MDXMidsize$3,102$259
Lexus NX 350Compact$3,114$260
Lexus RX 350Midsize$3,116$260

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Elizabeth, NJ Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Elizabeth, NJ, with the Acura RDX ranking first at $2,596 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Elizabeth, NJ, with the Acura RDX ranking first at $2,596 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Is your luxury SUV not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Elizabeth car insurance quotes from top companies in New Jersey.

Cheapest pickup trucks to insure

Ranking highest for the most affordable Elizabeth car insurance rates in the pickup truck segment are the Ford Maverick, Nissan Frontier, Chevrolet Colorado, Nissan Titan, and Ford Ranger. Insurance rates for these 2024 models average $251 or less per month.

Not the cheapest pickups to insure, but still affordable, are pickups like the Toyota Tacoma, Hyundai Santa Cruz, Honda Ridgeline, and GMC Canyon, with average cost of $3,194 per year or less.

As a cost per month, full-coverage insurance in Elizabeth on this segment for a middle-age safe driver starts at around $228 per month, depending on where you live and the company you use. The next table ranks the twenty pickups with the lowest-cost average insurance rates in Elizabeth, starting with the Chevrolet Colorado at $2,734 per year ($228 per month) and ending with the Ram Truck at $3,588 per year ($299 per month).

Cheapest Insurance for Pickups in Elizabeth, NJ
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,734$228
Nissan TitanFull-size$2,904$242
Nissan FrontierMidsize$2,934$245
Ford RangerMidsize$2,966$247
Ford MaverickMidsize$3,012$251
Honda RidgelineMidsize$3,080$257
Hyundai Santa CruzMidsize$3,134$261
Toyota TacomaMidsize$3,144$262
GMC Sierra 2500 HDHeavy Duty$3,156$263
GMC CanyonMidsize$3,194$266
Jeep GladiatorMidsize$3,272$273
GMC Sierra 3500Heavy Duty$3,290$274
Chevrolet Silverado HD 3500Heavy Duty$3,318$277
Chevrolet Silverado HD 2500Heavy Duty$3,406$284
GMC SierraFull-size$3,430$286
Chevrolet SilveradoFull-size$3,432$286
Nissan Titan XDHeavy Duty$3,434$286
Ford F150Full-size$3,474$290
GMC Hummer EV PickupFull-size$3,560$297
Ram TruckFull-size$3,588$299

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Elizabeth, NJ Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Elizabeth, NJ, with the Chevrolet Colorado ranking first at $2,734 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Elizabeth, NJ, with the Chevrolet Colorado ranking first at $2,734 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for insurance rates for a different truck? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Elizabeth car insurance quotes from top companies in New Jersey.

Cheapest sports car insurance rates

The four lowest-cost sports cars to insure in Elizabeth are the Mazda MX-5 Miata at $2,872 per year, Toyota GR86 at $3,272 per year, Ford Mustang at $3,410 per year, and BMW Z4 at $3,430 per year.

Additional sports cars that have affordable average insurance rates include the BMW M2, Toyota GR Supra, Nissan Z, and Lexus RC F, with average annual insurance rates of $3,712 per year or less.

Additional vehicles on the list include the Jaguar F-Type, Mercedes-Benz AMG GT53, Porsche 718, Chevrolet Corvette, and Porsche Taycan, which average between $3,712 and $5,258 per year for auto insurance.

Full-coverage car insurance in this segment starts at around $239 per month, depending on the company and where you live. The comparison table below ranks the twenty sports cars with the cheapest insurance rates in Elizabeth, starting with the Mazda MX-5 Miata at $239 per month and ending with the Porsche Taycan at $438 per month.

Cheapest Insurance for Sports Cars in Elizabeth, NJ
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,872$239
Toyota GR86Sports Car$3,272$273
Ford MustangSports Car$3,410$284
BMW Z4Sports Car$3,430$286
Subaru WRXSports Car$3,482$290
Toyota GR SupraSports Car$3,488$291
BMW M2Sports Car$3,588$299
Nissan ZSports Car$3,596$300
Lexus RC FSports Car$3,668$306
Subaru BRZSports Car$3,712$309
BMW M3Sports Car$3,922$327
Porsche 718Sports Car$3,996$333
Chevrolet CamaroSports Car$4,034$336
Chevrolet CorvetteSports Car$4,298$358
Porsche 911Sports Car$4,448$371
BMW M4Sports Car$4,634$386
Lexus LC 500Sports Car$4,656$388
Jaguar F-TypeSports Car$4,898$408
Mercedes-Benz AMG GT53Sports Car$5,138$428
Porsche TaycanSports Car$5,258$438

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Elizabeth, NJ Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Elizabeth, NJ, with the Mazda MX-5 Miata ranking first at $2,872 per year.
Ranking of the cheapest sports cars to insure in Elizabeth, NJ, with the Mazda MX-5 Miata ranking first at $2,872 per year.

Don’t see insurance cost for your sports car? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in New Jersey.

Variability of car insurance rates

To aid in understanding how much car insurance cost can range from one driver to the next (and also emphasize the importance of accurate rate quotes), the sections below have detailed car insurance rates for three popular vehicles in Elizabeth: the Ford F150, Nissan Sentra, and Honda CR-V.

Each chart displays average rates for different driver profiles to illustrate the possible price variation with only small changes in driver profile or coverage limits.

Ford F150 insurance rates

Car insurance for a Ford F150 in Elizabeth costs an average of $3,474 per year (about $290 per month) and varies from $2,880 to $8,022 per year for the specific drivers in the next insurance cost chart.

Average 2024 Ford F150 insurance premiums in Elizabeth for different driver ages and risk scenarios.
Figure 3: Average 2024 Ford F150 insurance premiums in Elizabeth for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Elizabeth includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Elizabeth, NJ
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$8,022$669
Safe Driver Age 20$7,022$585
At-fault Accidents Age 40$4,930$411
Low Deductibles Age 40$4,552$379
Safe Driver Age 30$3,708$309
Safe Driver Age 40$3,474$290
Safe Driver Age 50$3,078$257
High Deductibles Age 40$2,920$243
Discount Rate Age 40$2,880$240
Safe Driver Age 60$2,878$240

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 27, 2025

The Ford F150 is classified as a full-size truck, and other models from that segment that are popular in Elizabeth, New Jersey, include the Chevrolet Silverado, GMC Sierra, and Toyota Tundra.

Nissan Sentra insurance rates

Insurance for a Nissan Sentra in Elizabeth averages $2,846 per year, or around $237 per month, and ranges from $2,360 to $6,462.

Average 2024 Nissan Sentra insurance premiums in Elizabeth for different driver ages and risk scenarios.
Figure 4: Average 2024 Nissan Sentra insurance premiums in Elizabeth for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Elizabeth includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Elizabeth, NJ
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,462$539
Safe Driver Age 20$5,624$469
At-fault Accidents Age 40$4,028$336
Low Deductibles Age 40$3,596$300
Safe Driver Age 30$3,018$252
Safe Driver Age 40$2,846$237
Safe Driver Age 50$2,546$212
High Deductibles Age 40$2,448$204
Safe Driver Age 60$2,374$198
Discount Rate Age 40$2,360$197

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 27, 2025

The Nissan Sentra is considered a compact car, and other popular same-segment models include the Honda Civic, Toyota Corolla, and Hyundai Elantra.

Honda CR-V insurance rates

Honda CR-V insurance in Elizabeth averages $2,646 per year ($221 per month) and ranges from $2,200 to $6,082.

Average 2024 Honda CR-V insurance premiums in Elizabeth for different driver ages and risk scenarios.
Figure 5: Average 2024 Honda CR-V insurance premiums in Elizabeth for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Elizabeth includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Elizabeth, NJ
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,082$507
Safe Driver Age 20$5,320$443
At-fault Accidents Age 40$3,746$312
Low Deductibles Age 40$3,452$288
Safe Driver Age 30$2,820$235
Safe Driver Age 40$2,646$221
Safe Driver Age 50$2,348$196
High Deductibles Age 40$2,232$186
Safe Driver Age 60$2,202$184
Discount Rate Age 40$2,200$183

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 27, 2025

The Honda CR-V is part of the compact SUV segment, and other popular models in the same segment include the Mazda CX-5, Chevrolet Equinox, and Nissan Rogue.

How to find cheaper car insurance

Drivers are always looking to reduce the monthly expense for insurance So take a minute or two to look through the tips below and maybe you’ll be able to save a few bucks on your next policy purchase.

  • Remain claim free and save. Most insurance companies reduce rates a little if you have not filed any claims. Auto insurance should only be used for significant claims, not nickel-and-dime type claims.
  • Choose a vehicle that is cheaper to insure. Vehicle type has a huge impact on the price you pay for auto insurance. As an example, a Kia Soul costs $3,380 less per year to insure in Elizabeth than a Acura NSX. Drive cheaper models and save money.
  • Compare car insurance rates before buying a car. Different cars have very different car insurance rates, and car insurance companies can price policies with very different rates. Get comparison quotes before you buy a new vehicle in order to avoid price shock when you receive your first bill.
  • Your job could reduce your rates. Some auto insurance companies offer policy discounts for certain professions like nurses, college professors, high school and elementary teachers, doctors, engineers, and others. If you can qualify for this discount, you could save between $93 and $302 on your annual car insurance bill.
  • Qualify for policy discounts to save money. Savings may be available if the insureds drive a vehicle with safety or anti-theft features, are good students, are loyal customers, insure their home and car with the same company, choose electronic billing, or many other policy discounts which could save the average Elizabeth driver as much as $528 per year on their insurance cost.
  • Shop around for better rates. Taking a few minutes to get a few free car insurance quotes is the best way to save money. Rates change often and you can change companies at any time.
  • Fewer accidents means cheaper auto insurance rates. Too many at-fault accidents will increase rates, potentially by an extra $1,498 per year for a 30-year-old driver and even $938 per year for a 50-year-old driver. So drive safe and save money!