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How much is car insurance in Bayonne?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Bayonne is about $20 cheaper than it is in the rest of New Jersey.
On the flip side, Bayonne residents should prepare to pay higher rates for coverage than the rest of the country. It's around $5 more expensive to insure your vehicle in Bayonne compared to the average rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of Bayonne, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Bayonne to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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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. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may rise again in Bayonne.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Bayonne, where women pay around $6 less a month. As you can see in the table above, male drivers in the area typically pay $88 on average, while female drivers typically pay $82 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Bayonne with a single accident will pay around $94 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $96.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$82|
The most affordable vehicles to insure in Bayonne are usually SUVs, which run about $78 per month.
SUV owners, on the other hand, by and large pay around $78 per month, while truck and van drivers can expect to pay about $91 a month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Bayonne, vehicles six-to-seven years old and four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
More often than not, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Bayonne can be as much as $20 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$138|
Your housing situation is another factor that affects your monthly rate. In Bayonne, homeowners can expect to pay around $8 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Bayonne, NJ
Recent trends in car insurance for Bayonne drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Bayonne, the rates for auto insurance declined from 2017-2018, and again, from 2020-2021. Policy premiums finished up in 2022, at $106.
How does Bayonne compare to neighboring areas?
Why are car insurance rates in Bayonne different from other areas?
Car insurance companies take in a number of factors when choosing how much individual insurance policies will cost. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Availability of off-street parking
- Local regulations
- Total amount of drivers in the area
- Road Safety (frequency of local car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Bayonne?
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.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Bayonne.
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Bayonne Insurance FAQs
What factors affect car insurance quotes in Bayonne?
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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Bayonne different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Bayonne?
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 Bayonne?
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 Bayonne 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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