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How much is car insurance in Atlantic City?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of New Jersey are about $32 a month cheaper than the rates drivers pay in Atlantic City.
If you're considering relocating to Atlantic City from out of state, you may want to budget a little extra for your insurance. It's about $59 more for coverage in Atlantic City than in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Atlantic City, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Atlantic City so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates begin to go back up once you hit retirement in Atlantic City.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Atlantic City, where female drivers pay around $7 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Atlantic City with a single accident on their record will usually see rates around $187 a month. Similarly, drivers with one ticket will typically pay around $241 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$133|
|15 Years or Older||$135|
In Atlantic City, the cheapest vehicles to insure are typically SUVs, with drivers paying around $120 per month to insure their vehicle.
Truck and van drivers will see rates of about $129 to insure their vehicle, while car owners usually pay around $146 per month.
Your vehicle's 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, your rates may start to decrease if your car is close to 5 years old. In Atlantic City, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$143|
Generally, married policyholders will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Atlantic City can be as much as $19 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$205|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Atlantic City, expect to pay around $12 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Atlantic City, NJ
Recent trends in car insurance for Atlantic City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Atlantic City, the rates for car insurance have been steadily decreasing, reaching a low of $121 in 2021.
How does Atlantic City compare to neighboring areas?
Why are car insurance rates in Atlantic City different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Crime levels
- Road Safety (total number of local car accidents)
- Total number of drivers in the area
- Off-street parking access
- Local regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Atlantic City?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Atlantic City.
Atlantic City Insurance FAQs
What factors affect car insurance quotes in Atlantic City?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Atlantic City different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Atlantic City?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Atlantic City?
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 Atlantic City 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.