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How much is car insurance in Bridgeton?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Bridgeton are about $4 a month cheaper than in the rest of New Jersey.
Drivers relocating the Bridgeton should take note of the differences in average rates. The cost of auto coverage in Bridgeton is about $21 more expensive than the national average.
Bear in mind that while these are the average car insurance rates for Bridgeton, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Bridgeton and broken down the different factors to help you understand what your monthly bill might look like. 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 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? 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 the price that drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Bridgeton may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Bridgeton, the difference comes out to about $16 per month. Based on the chart above, you can see that female drivers pay around $95 on average, while male drivers typically pay $111 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Bridgeton with a single accident on their record will usually see rates around $97 a month. Likewise, drivers with one ticket will be looking at a rate of around $164 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$105|
The most affordable vehicles to insure in Bridgeton are usually trucks and vans, which run about $78 per month.
SUV drivers will see rates of about $85 for car insurance coverage, while car owners typically pay around $113 a month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Bridgeton, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$105|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Bridgeton follows that pattern, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$158|
One other element taken into consideration is your housing status. Drivers who own property in Bridgeton can expect to pay around $30 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.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Bridgeton, NJ
Recent trends in car insurance for Bridgeton 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.
Insurance rates in Bridgeton had been decreasing steadily from 2017-2021. They finished up in 2022, at $104 per month
How does Bridgeton compare to neighboring areas?
Why are car insurance rates in Bridgeton different from other areas?
There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Availability of off-street parking
- Community regulations
- Road Safety (total number of local car accidents)
- Area crime rates
- Number of drivers in the region
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. 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 Bridgeton?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Bridgeton.
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Bridgeton Insurance FAQs
What factors affect car insurance quotes in Bridgeton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Bridgeton different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Bridgeton?
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 Bridgeton?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bridgeton 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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