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How much is car insurance in Blackwood?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the New Jersey, coverage in Blackwood is about $21 a month cheaper.
Conversely, Blackwood residents should prepare to pay higher rates for coverage than the rest of the country. It's about $4 more expensive for coverage in Blackwood than the average rates for the U.S. as a whole.
Bear in mind that while these rates are the average costs for drivers in Blackwood, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Blackwood so that you can get a more accurate idea of what your policy will cost you. And if you think you might be overpaying for insurance, simply enter your ZIP 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|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $48 more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates start to rise again in Blackwood.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Blackwood, however, male and female drivers both pay about the same rate for insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Blackwood, a driving record with a single accident will usually get you a rate around $79 a month. Similarly, drivers with one ticket will typically pay around $127 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$67|
|15 Years or Older||$78|
According to the first table above, the cheapest vehicles to insure in Blackwood are typically trucks and vans, at $74 per month.
Cars and SUVs, on the other hand, cost about the same to insure, around $86 per month.
Your rates can also vary depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Blackwood, 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)||$86|
Generally speaking, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Blackwood is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $19 a month more than if you own your own home in Blackwood. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Blackwood, NJ
Recent trends in car insurance for Blackwood drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of auto insurance in Blackwood have been mixed as of late, it dropped in 2017, increased in 2019, and decreased again in 2021, before finishing at $79 in 2022.
How does Blackwood compare to neighboring areas?
Why are car insurance rates in Blackwood different from other areas?
Car insurance companies will take into account a variety of factors when they're choosing how much to charge for a policy. 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:
- Amount of drivers in the region
- Number of car accidents
- Off-street parking access
- Community laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Blackwood?
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.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Blackwood.
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Blackwood Insurance FAQs
What factors affect car insurance quotes in Blackwood?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Blackwood different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Blackwood?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Blackwood?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Blackwood 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.
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