Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Basking Ridge, NJ for senior drivers are $2,879/year
  • The cheapest car insurance company in Basking Ridge after a DUI is GEICO
  • Average car insurance rates in Basking Ridge, NJ are $391/month

Average car insurance rates in Basking Ridge, New Jersey are $391 a month. But with a little research you can get a great deal from the top car insurance companies in Basking Ridge, NJ. Before you buy Basking Ridge, New Jersey car insurance, make sure your coverage meets or exceeds the New Jersey minimum of 15/30/5.

It may even be helpful to compare Basking Ridge car insurance rates with Clifton car insurance rates, Camden car insurance rates, or Passaic car insurance rates to make sure you’re getting the best Basking Ridge, NJ car insurance quotes available.

Need affordable Basking Ridge, NJ car insurance? Enter your ZIP code to compare Basking Ridge car insurance quotes from multiple car insurance companies near you.

Basking Ridge, NJ Minimum Car Insurance Coverage

Basking Ridge, New Jersey law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Basking Ridge, 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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Basking Ridge, NJ Car Insurance Rates by Coverage Level

Some Basking Ridge drivers can get by with the New Jersey minimum coverage of 15/30/5. Other drivers may need more. See how much your Basking Ridge, New Jersey car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Basking Ridge, New Jersey

Insurance Company Low Medium High
Allstate $4,635 $5,050 $5,263
Farmers $6,219 $6,756 $7,318
GEICO $2,133 $2,417 $2,564
Liberty Mutual $4,849 $5,547 $5,770
Progressive $3,254 $3,566 $3,726
State Farm $5,660 $6,080 $6,301
Travelers $3,482 $3,820 $4,153

Basking Ridge, NJ Car Insurance Rates by Age, Gender, and Marital Status

Basking Ridge, New Jersey car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Basking Ridge, NJ car insurance, get quotes from multiple car insurance companies in the Basking Ridge area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Basking Ridge, 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 $2,946 $2,930 $2,834 $2,834 $9,415 $11,859 $3,428 $3,618
Farmers $4,232 $4,273 $4,092 $4,027 $12,639 $14,551 $5,048 $5,252
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 $1,776 $1,657 $1,606 $1,629 $8,107 $9,157 $2,107 $2,085
State Farm $3,559 $3,559 $3,200 $3,200 $11,392 $14,651 $4,039 $4,511
Travelers $2,822 $2,773 $2,608 $2,660 $6,568 $7,544 $2,780 $2,790

Basking Ridge, NJ Car Insurance Rates for Teens

How much is Basking Ridge, New Jersey car insurance for teens? Compare rates from top Basking Ridge car insurance companies below to help find the cheapest teen car insurance in Basking Ridge, NJ.

Annual Car Insurance Rates for Teen Drivers in Basking Ridge, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,415 $11,859
Farmers $12,639 $14,551
GEICO $3,474 $3,524
Liberty Mutual $9,206 $10,444
Progressive $8,107 $9,157
State Farm $11,392 $14,651
Travelers $6,568 $7,544

Basking Ridge, NJ Car Insurance Rates for Seniors

Before seniors buy Basking Ridge, New Jersey car insurance, they should make sure to shop around. Some Basking Ridge, NJ car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Basking Ridge, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,834 $2,834
Farmers $4,092 $4,027
GEICO $1,880 $1,880
Liberty Mutual $3,930 $3,930
Progressive $1,606 $1,629
State Farm $3,200 $3,200
Travelers $2,608 $2,660

Basking Ridge, NJ Car Insurance Rates by Credit History

How does your credit history affect Basking Ridge, NJ car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Basking Ridge, New Jersey

Insurance Company Poor Fair Good
Allstate $6,850 $4,516 $3,582
Farmers $7,957 $6,341 $5,995
GEICO $3,556 $2,059 $1,499
Liberty Mutual $6,812 $5,067 $4,287
Progressive $3,908 $3,440 $3,199
State Farm $8,684 $5,253 $4,104
Travelers $5,076 $3,760 $2,618

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Basking Ridge, NJ Car Insurance Rates by Driver History

How does a single speeding ticket affect your Basking Ridge, New Jersey car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Basking Ridge.

Annual Basking Ridge, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,733 $6,205 $5,449 $4,544
Farmers $5,213 $8,912 $7,202 $5,730
GEICO $1,851 $2,424 $3,360 $1,851
Liberty Mutual $5,178 $5,915 $5,284 $5,178
Progressive $3,064 $4,007 $3,452 $3,540
State Farm $3,284 $5,945 $9,555 $5,272
Travelers $2,947 $4,327 $4,214 $3,784

Basking Ridge, NJ Car Insurance Rates With a DUI

Even a single DUI can increase your Basking Ridge, NJ car insurance rates. Compare rates below to see which Basking Ridge car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Basking Ridge, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,449
Farmers $7,202
GEICO $3,360
Liberty Mutual $5,284
Progressive $3,452
State Farm $9,555
Travelers $4,214

Basking Ridge, NJ Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Basking Ridge, NJ car insurance rates may be. Let’s take a look at average car insurance rates from top Basking Ridge companies based on commute time.

Annual Car Insurance Rates by Commute Length in Basking Ridge, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,973 $4,992
Farmers $6,764 $6,764
GEICO $2,353 $2,390
Liberty Mutual $5,337 $5,441
Progressive $3,516 $3,516
State Farm $5,866 $6,161
Travelers $3,818 $3,818

Basking Ridge, NJ Cheapest Car Insurance Rates

How do the top Basking Ridge, New Jersey car insurance companies’ average rates stack up against the Basking Ridge average monthly car insurance rates of $391? Take a look and see.

Best Annual Car Insurance Rates by Company in Basking Ridge, 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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Basking Ridge, NJ Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Basking Ridge, New Jersey car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Basking Ridge, New Jersey

Insurance Company Average Annual Rates
Allstate $4,983
Farmers $6,764
GEICO $2,371
Liberty Mutual $5,389
Progressive $3,516
State Farm $6,014
Travelers $3,818

Basking Ridge, NJ Car Insurance Quotes

Compare Basking Ridge, NJ car insurance quotes from multiple companies by entering your ZIP code now.