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How much is car insurance in Absecon?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $6 a month cheaper to insure your vehicle in Absecon than it is in the rest of New Jersey.
On the other hand, Absecon residents should prepare to pay higher rates for coverage than the rest of the country. It's about $21 more for coverage in Absecon than in the rest of the U.S.
While these are the average car insurance rates for Absecon, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Absecon and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $58 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Absecon drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This rings true in Absecon, where women pay around $4 less per month than men. Looking at the table above, you can see that female drivers pay around $99 on average, while male drivers typically pay $103 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Absecon with one accident will pay around $92 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $87 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$186|
|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 $87 per month.
Car owners will see rates of about $106, while truck and van owners usually pay around $95 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Absecon, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Absecon as well, where the difference is around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
One other element taken into consideration is your living accommodations. Drivers who own property in Absecon can expect to pay around $21 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 car insurance premiums.
Car Insurance Companies in Absecon, NJ
Recent trends in car insurance for Absecon drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Absecon, the rates for car insurance dropped from 2016-2017, and again, from 2019-2020. Policy premiums finished up in 2021, at $105.
How does Absecon compare to neighboring areas?
Why are car insurance rates in Absecon different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Road Safety (frequency of local car accidents)
- Regional regulations
- Total number of drivers
- Regional crime rates
- Off-street parking availability
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Absecon?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Absecon in no time.
Absecon Insurance FAQs
What factors affect car insurance quotes in Absecon?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Absecon different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Absecon or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.