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How much is car insurance in Absecon?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in New Jersey is about $6 a month more expensive than it is in Absecon.
Compared to the national average cost of auto coverage, Absecon has higher rates. You can expect to pay about $19 more for your policy in Absecon.
While these are the average car insurance rates for Absecon, keep in mind that you could end up paying a different amount. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But don't worry, we've broken down the average rate for Absecon residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up in Absecon.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This rings true in Absecon, where women pay around $5 less per month than men. Based on the chart above, you can see that male drivers pay $102 on average, while female drivers typically pay $97 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Absecon with a single accident on their record is about $106 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $97 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$142|
|15 Years or Older||$98|
If you look at the first table above, the cheapest vehicles to insure in Absecon are by and large SUVs, at $85 per month.
Car owners can expect to pay an average of around $104 a month for their policy, while truck and van drivers are usually around $102 to insure each month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Absecon, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$100|
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Absecon reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Absecon, expect to pay around $21 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Absecon, NJ
Recent trends in car insurance for Absecon drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance in Absecon have been mixed as of late, it rose in 2017, fell in 2019, and increased again in 2021, before finishing at $104 in 2022.
How does Absecon compare to neighboring areas?
Why are car insurance rates in Absecon different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Availability of off-street parking
- Road Safety (frequency of car accidents)
- Regional crime rates
- Community regulations
- Total number of drivers in the region
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Absecon?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Absecon.
Absecon Insurance FAQs
What factors affect car insurance quotes in Absecon?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Absecon different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Absecon?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Absecon?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Absecon or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?