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How much is car insurance in Belleville?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Belleville is 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 $35 more expensive than it is for the rest of the U.S.
Although these are the average rates for auto insurance in Belleville, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Belleville and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may begin to go back up in Belleville.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This is true in Belleville, where male drivers pay about $22 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $104 each month, while men pay $126 on average.
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. In Belleville, a driving record with a single accident will usually get you a rate around $149 a month. In addition, drivers with a single ticket on their record can expect to pay around $123 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$108|
If you look at the first table above, the cheapest vehicles to insure in Belleville are by and large trucks and vans, at $95 per month.
Car owners can expect to pay an average of around $122 a month for their policy, while SUVs usually cost around $104 a month to insure.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Belleville, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$118|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
While married drivers normally pay less for auto insurance than single drivers, Belleville bucks this trend as both groups pay around the same rate for coverage.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$137|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Belleville, homeowners can expect to pay around $11 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Belleville, NJ
Recent trends in car insurance for Belleville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Belleville, car insurance rates declined from 2017-2019, before steadying out in 2020. Car insurance rates finished up in 2022, at $120 a month
How does Belleville compare to neighboring areas?
Why are car insurance rates in Belleville different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Local crime rates
- Number of drivers in the region
- Regional regulations
- Availability of off-street parking
- Road Safety (frequency of car accidents)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Belleville?
Arming 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.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Belleville.
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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 you can't control like your gender and age 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 Belleville different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 Belleville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Belleville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Belleville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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