Bloomfield, NJ Car Insurance

Residents of Bloomfield pay around $103 monthly for their car insurance coverage. Check out our guide below to find out how much you'll pay.
What rates can residents of Bloomfield expect to pay for their car insurance? Compared to their surrounding area, how do rates in Bloomfield stack up? What about against the rest of New Jersey? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Bloomfield?

Area Average Monthly Car Insurance Premium
Bloomfield$103
NJ$107
United States$80

Compared to the rest of the New Jersey, coverage in Bloomfield is about $4 a month cheaper.

That being said drivers in Bloomfield may pay higher rates than the rest of the country. You can expect to pay about $23 more for your policy in Bloomfield.

Keep in mind that these are the average auto insurance rates for Bloomfield, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've broken down the average rates for Bloomfield to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$151
25-34$100
35-44$88
45-54Not Enough Data
55-64$90
65+$104

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $47 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Bloomfield drivers may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$104
Female$102

Female drivers pay, on average, slightly less than their male counterparts. The price for insurance coverage in Bloomfield, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$134
Multiple Accidents$115
1 Ticket$157
Multiple Tickets$117

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Bloomfield with a single accident on their record is about $134 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $157.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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$250
2-3 Years$92
4-5 Years$103
6-7 Years$90
8-10 Years$99
11-14 Years$109
15 Years or Older$105

The most affordable vehicles to insure in Bloomfield are by and large trucks and vans, which run about $98 per month.

SUV drivers will see rates of about $101, while the rates for car owners average out to about $105 per month.

The age of your vehicle also plays a role in your monthly payment. 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 rates drop back down a bit. In Bloomfield, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$104
Married$100
Divorced$85
Widowed$130

Generally, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Bloomfield is no exception, with the difference totaling to around $4 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$89
Rent$107
Live with parents$156

Another factor taken into consideration is your housing situation. Drivers who own property in Bloomfield can expect to pay around $18 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

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 Bloomfield, NJ

Recent trends in car insurance for Bloomfield drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

Car insurance rates in Bloomfield dropped from 2016-2018, before steadying out in 2019. They finished up in 2021, at $102 a month

How does Bloomfield compare to neighboring areas?

Why are car insurance rates in Bloomfield different from other areas?

There are numerous factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:

  • Total amount of drivers in the community
  • Local laws
  • Crime levels
  • Frequency of car accidents
  • Availability of off-street parking

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 Bloomfield?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Bloomfield.

Compare the cheapest quotes from dozens of insurance companies

Bloomfield Insurance FAQs

What factors affect car insurance quotes in Bloomfield?

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 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 Bloomfield different from other neighboring cities?

Parking situations, local laws, and crime rates -- 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 Bloomfield?

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 Bloomfield?

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?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bloomfield or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes