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How much is car insurance in Belleville?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Belleville are about $10 a month more expensive than the rest of New Jersey.
Likewise, the expected monthly payments for an auto insurance policy in Belleville are above the national average. Coverage in Belleville is about $37 more expensive than it is for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Belleville, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Belleville residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to go back up once you hit retirement age in Belleville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Belleville, male drivers pay about $30 more per month. Based on the chart above, you can see that female drivers pay around $101 on average, while male drivers typically pay $131 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Belleville with a single accident on their record will usually see rates around $142 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $58.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$77|
|15 Years or Older||$109|
In Belleville, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $102 per month for insurance coverage.
SUV drivers will see rates of about $109 for auto insurance, while car owners by and large pay around $122 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Belleville are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$118|
More often than not, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
As you can see in the table above, married couples pay about the same rate as single drivers in Belleville.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$147|
Another factor taken into consideration is your living situation. In Belleville, 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 Belleville, NJ
Recent trends in car insurance for Belleville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
Auto insurance rates in Belleville rose from 2016-2017, but decreased until 2019, when they hit a low of $100. Car insurance rates finished down in 2021, at $80 per month.
How does Belleville compare to neighboring areas?
Why are car insurance rates in Belleville different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Frequency of car accidents
- Total number of drivers
- Amount of off-street parking
- Crime levels
- Local laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Belleville?
Equipping 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.
Luckily, Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Belleville.
Belleville Insurance FAQs
What factors affect car insurance quotes in Belleville?
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, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Belleville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Belleville?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Belleville?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Belleville or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.