Best Car Insurance in Englewood, NJ — Compare Rates & Save

Compare Rates From Top Englewood Insurers

Car Insurance — Company Comparison

Insurer	NAIC Complaint Index	J.D. Power Score	AM Best Rating	Est. Monthly	Best For
SF State Farm Largest U.S. insurer	0.77	710 / 1,000	A++	$205	Local agent support, bundling discounts
GE GEICO Berkshire Hathaway	0.93	685 / 1,000	A++	$183	Lowest rates, military discounts, online convenience
PR Progressive 2nd largest U.S. insurer	1.23	665 / 1,000	A+	$230	Most coverage options, Name Your Price tool
AL Allstate Est. 1931	0.77	690 / 1,000	A+	$247	Pay-per-mile, Drivewise app, new car replacement
LM Liberty Mutual Fortune 100	1.08	670 / 1,000	A	$234	Accident forgiveness, new car replacement
FM Farmers Zurich Group	0.89	695 / 1,000	A	$238	Bundling discounts, Signal app savings
US USAA Military families only	0.42	890 / 1,000	A++	$169	Best overall satisfaction (military/veterans only)
NW Nationwide On Your Side	0.68	700 / 1,000	A+	$209	Vanishing deductible, pet coverage, SmartRide

$223

Avg. Monthly Premium (NJ)

35/70/25

NJ Minimum Liability

#8 Most Expensive

Cost Ranking

14.4%

Uninsured Drivers (NJ)

New Jersey Car Insurance Requirements

New Jersey law requires drivers to carry minimum liability insurance. Here are the current state minimums — most experts recommend higher limits:

Bodily Injury / Person

$35,000

Minimum per person for injuries you cause

Bodily Injury / Accident

$70,000

Total per accident for all injuries

Property Damage

$25,000

Per accident for property you damage

Car Insurance Tips for Englewood

For drivers in Englewood, New Jersey, securing the right car insurance requires a careful assessment of the city’s unique blend of suburban density and urban proximity. With a population of approximately 29,638, Englewood sits in Bergen County, a region known for its congested commuter corridors. Residents frequently navigate local roads like Palisade Avenue and Grand Avenue, which feed into major arteries such as Route 4, the Palisades Interstate Parkway, and the George Washington Bridge. This daily mix of stop-and-go traffic, tight residential streets, and high-speed highway merges significantly increases the likelihood of fender benders and collisions—factors that directly influence premium calculations. The state’s minimum liability requirement is 35/70/25 (in thousands of dollars), but given the density of traffic and the value of vehicles in the area, carrying higher limits is strongly advisable to protect against lawsuit risks.

Weather and climate risks in Englewood add another layer of complexity to insurance needs. Bergen County is no stranger to severe storms, including nor’easters and remnants of hurricanes that can bring torrential rain and flash flooding—particularly in low-lying neighborhoods near the Hackensack River. Hail events, while less common, can cause sudden and costly damage to windshields and body panels, while winter ice storms and freezing rain make local roads hazardous and increase the chance of single-car accidents. While tornadoes are rare in New Jersey, they are not impossible; in 2021, an EF-2 tornado struck nearby, reminding drivers that comprehensive coverage is a prudent investment. These climatic factors mean that comprehensive and collision coverage are not just optional add-ons but essential protections for Englewood residents.

Local crime statistics also play a significant role in shaping insurance costs. Englewood’s proximity to major highways and its dense, mixed-use layout contribute to a higher-than-average risk of vehicle theft and break-ins compared to more rural parts of the state. Parking on the street or in shared lots can elevate exposure, making comprehensive coverage particularly valuable. Additionally, New Jersey’s uninsured driver rate stands at 14.4%, meaning nearly one in seven drivers on the road may lack adequate coverage. This reality makes uninsured and underinsured motorist coverage a critical safeguard—without it, a hit-and-run or collision with an uninsured driver could leave you with substantial out-of-pocket medical and repair bills. Given the state’s average annual premium of approximately $2,680, Englewood drivers should expect rates that may exceed this baseline due to local risk factors. To protect both your vehicle and your finances, it is wise to work with an independent agent familiar with Bergen County’s specific conditions and to regularly review your policy to ensure it reflects your current commute, parking situation, and coverage needs.

Frequently Asked Questions

Are the state minimum liability limits of 35/70/25 usually enough for drivers in Englewood, New Jersey?

While New Jersey's minimum liability of $35,000 per person, $70,000 per accident for bodily injury, and $25,000 for property damage meets legal requirements, it may be insufficient in Englewood given its population of nearly 30,000 and proximity to major highways. A serious accident involving multiple vehicles or high medical costs could quickly exceed these limits, leaving you personally responsible for the difference.

How does Englewood's population density affect my car insurance premiums compared to the state average?

With approximately 29,638 residents in a relatively compact city, Englewood's higher population density increases the risk of accidents, theft, and vandalism, often leading to premiums above New Jersey's average of around $2,680 per year. Insurers factor in local claim frequencies, so you may pay more than someone in a less dense, rural part of the state.

Does living in Englewood near the George Washington Bridge or major roads impact my rates?

Yes, Englewood's location near the George Washington Bridge and busy routes like Route 4 and Route 9W means more traffic congestion and a higher likelihood of collisions, which can raise your insurance costs. Insurers view this as increased risk exposure, often resulting in premiums that exceed the state average for similar coverage.

Data Sources: NAIC Complaint Index from the National Association of Insurance Commissioners Consumer Information Source (content.naic.org). Customer satisfaction scores from J.D. Power 2025 U.S. Auto Insurance Study. Financial strength ratings from AM Best. Average premium data from the NAIC Auto Insurance Database Report and the New Jersey Department of Insurance. All data is publicly available. This page does not constitute insurance advice. Data last verified May 2026.

Disclosure: CarInsuranceU.com is an independent educational resource. This page may contain affiliate links — if you click and purchase a policy, we may earn a commission at no additional cost to you. This does not influence our research, data presentation, or rankings. Insurer data is sourced from public regulatory databases and independent research firms. We are not an insurance company and do not sell insurance. Always verify rates directly with the insurer. Rankings are based on publicly available data and do not constitute an endorsement.