Clementon, NJ Car Insurance

How much can residents of Clementon expect to pay for their car insurance? How does Clementon compare to the surrounding area and the rest of New Jersey? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Clementon?

Based on the chart above, you can see that it's about $12 a month cheaper to insure your vehicle in Clementon than it is in the rest of New Jersey.

If you're considering relocating to Clementon from out of state, you may want to budget a little extra for your insurance. The average monthly payment in Clementon is about $13 more expensive than the rate for the rest of the U.S.

Bear in mind that while these rates are the average costs for Clementon drivers, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Clementon residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $93 more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Clementon drivers may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. In Clementon, male drivers pay about $11 more a month. As you can see in the table above, female drivers in the area typically pay $89 on average, while female drivers typically pay $100 each month.

Average Auto Insurance Rates by Driving Record

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. In Clementon, drivers with one accident on their record will experience rates around $103 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $118.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Clementon, with drivers paying around $82 per month for auto insurance coverage.

SUV drivers will see rates of about $91 for insurance coverage, while car owners usually pay around $98 per month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Clementon, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

More often than not, married policyholders will pay slightly less for auto 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, married drivers typically pay less than single drivers for auto insurance. Clementon is no exception, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing situation. Renters can expect to pay around $19 a month more than drivers who own property in Clementon. 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 Clementon, NJ

Recent trends in car insurance for Clementon 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.

Car insurance rates in Clementon decreased from 2017-2018, but began to increase in 2021. This trend has continued through 2022 when rates have most recently reached $108 a month.

How does Clementon compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The specifics of your home address will have an impact on your personal policy. This might include things like:

• Off-street parking access
• Number of drivers in the community
• Road safety
• Regional regulations
• Crime

Knowing the make-up of these factors can be helpful when deciding on purchasing 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 Clementon?

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 has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Clementon in no time.

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Clementon Insurance FAQs

What factors affect car insurance quotes in Clementon?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Clementon different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, 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 Clementon?

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 Clementon?

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 Clementon 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.