Harrison Auto Insurance Rates, Quotes, Agents & Reviews in NJ

Harrison, NJ Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Harrison, NJ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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What is the Average Cost of Auto Insurance in Harrison, NJ?

The average cost of auto insurance in Harrison, NJ, is $1,696. This cost is lower than the average of neighboring locations like Kearny but slightly higher than places like East Orange, Belleville, and Newark. The average cost of auto insurance can vary from one neighborhood to another. Car owners in Harrison, NJ, can save on the cost of insurance by comparing multiple auto insurance quotes from different auto insurers. The average cost of auto insurance also depends on numerous factors like the make and model of the vehicle and the driver’s age.

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Neighborhood:

The neighborhood one lives in Harrison, NJ, has an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Several factors, like the make and model of the vehicle and the rate of auto thefts in the neighborhood, impact the insurance costs within the city. 

Insurance Costs Based on the Age of the Driver: 

Zimlon research found that teenagers in Harrison, NJ, usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. On the other hand, middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

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Multi-Car Insurance:

Residents in Harrison, NJ, can save more on car insurance by insuring their vehicles with the same company. Most of the insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.

The average cost of insurance for three cars in Harrison, NJ, is $4,477, whereas the average cost of insurance for four cars is $5,970. By ensuring three or more cars together under the same insurance company, car owners in Harrison, NJ, can save $611 to $814. 

Credit Scores:
Having an “excellent” or “good” credit score will also help car owners save on auto insurance in Harrison, NJ. Several auto insurance companies provide discounts to the car owner that have a higher positive credit score. Car insurance companies use the Credit Score of car drivers to determine suitable car insurance rates.

 

Factors that can influence the cost of car insurance in Harrison, NJ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Harrison, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Harrison, NJ with that of other cities in and around Harrison.

Harrison East Orange Belleville Newark Kearny Silver Lake
Average Insurance Rates $1,696 $1,641 $1,679 $1,650 $1,701 $1,696

Harrison, NJ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Harrison, NJ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Harrison $1,747 $1,476
East Newark $2,384 $2,014
Newark $1,254 $1,059
Kearny $1,295 $1,094
Silver Lake $1,001 $846
North Arlington $1,250 $1,056
East Orange $1,747 $1,476
Belleville $1,577 $1,332

Harrison, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Harrison, NJ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,503
20 Years $2,179
30 Years $1,678
40 Years $1,615
50 Years $1,496
60 Years $1,516
70 Years $1,765

Harrison, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Harrison, NJ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,985 $407
3 Vehicles $4,477 $611
4 Vehicles $5,970 $814

Savings on 2 Vehicles bundle:$407

Savings on 3 Vehicles bundle:$611

Savings on 4 Vehicles bundle:$814


Harrison, NJ Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Harrison, NJ.

Location Average Insurance Cost Post DUI Insurance Rate
Harrison $1,696 $2,905
East Newark $1,691 $2,897
Newark $1,650 $2,826
Kearny $1,701 $2,914
Silver Lake $1,696 $2,905
North Arlington $1,716 $2,939
East Orange $1,641 $2,811
Belleville $1,679 $2,876

Harrison, NJ Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,455
Excellent (740-799) $1,661
Good (670-739) $1,767
Average (580-669) $2,306
Poor (300-579) $2,766

Harrison, NJ Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Esposito Insurance Group Travelers 89 FRANKLIN AVE STE 200, NUTLEY, 7110 973-284-1083
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Lichtenberger Agency Llc Travelers ONE HARMON PLAZA SECOND FLOOR, SECAUCUS, 7094 201-867-6871
Demetra Jones Allstate 600 Ridge Rd, North Arlington, 7031 (201) 997-9480
Freddy Duran Allstate 1025 Summit Ave, Jersey City, 7307 (201) 332-3190
Rossana Benavides Allstate 4914 Kennedy Blvd W Ste 202, West New York, 7093 (201) 902-9400
Ty Agosta State Farm 270 Hackensack St, Wood Ridge, 07075-1238 201-933-8868
Anthony Pugliese Farmers 217b Chestnut St, Newark, 7105 (732) 266-4271
Alex Vargas State Farm 45 Hoover Ave, Passaic, 07055-5109 973-955-4530
Alex Vargas State Farm 45 Hoover Ave, Passaic, 07055-5109 973-955-4530
Moira H Mcenroe Liberty Mutual 7 Becker Farm Road, Roseland, 7068 1-973-422-7703
Moira H Mcenroe Liberty Mutual 7 Becker Farm Road, Roseland, 7068 1-973-422-7703

Harrison, NJ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$75 $1,771
Driver's Failure In Showing Documents +$165 $1,861
Driving With An Expired Registration +$175 $1,871
Driving At A Considerably Slow Pace +$368 $2,064
Using A Cellphone While Driving +$388 $2,084
Running A Red Light +$395 $2,091
Speeding +$416 $2,112
Driving A Vehicle Without The Required Permission +$527 $2,223
Driving With An Expired/Suspended License +$1,143 $2,839

Harrison, NJ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,628
Active Disabling Device $1,628
Tracking Device $1,594
Passive Disabling Device $1,577