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How much is car insurance in Atlantic City?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $31 a month more expensive to insure your vehicle in Atlantic City than it is in the rest of New Jersey.
Likewise, Atlantic City residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $56 more expensive for coverage in Atlantic City than the average rates seen in the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Atlantic City, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage 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 you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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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 behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $89 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may begin to increase again 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 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Atlantic City with a single accident on their record is about $184 a month. In addition, drivers with one ticket can expect to pay around $168 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$107|
|15 Years or Older||$132|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Atlantic City, with drivers paying around $120 per month for auto insurance.
Car owners will see rates of about $144, while truck and van owners typically pay around $125 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Atlantic City are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$140|
On average, 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 many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Atlantic City is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$200|
Another factor that comes into play is your housing status. If you rent your home or apartment in Atlantic City, expect to pay around $11 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Atlantic City, NJ
Recent trends in car insurance for Atlantic City drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Atlantic City, auto insurance rates dropped from 2017-2018, before steadying out in 2019. Insurance rates decreased again, hitting a low of $119 in 2021, and finished up at $138 in 2022.
How does Atlantic City compare to neighboring areas?
Why are car insurance rates in Atlantic City different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Access to off-street parking
- Rate of car accidents
- Area crime rates
- Total drivers
- Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Atlantic City?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering coverage in Atlantic City.
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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 gender and age but also factors like your driving record, address, credit score, 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?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Atlantic City?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Atlantic City?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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, 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.
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