Table of contents
How much is car insurance in Clementon?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the New Jersey, coverage in Clementon is about $16 a month cheaper.
Drivers relocating the Clementon should take note of the differences in average rates. Coverage in Clementon is about $11 more expensive than it is for the rest of the U.S.
Bear in mind that while these rates are the average costs for Clementon residents, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
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 Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay $70 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates rise again in Clementon.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Clementon, where women pay around $4 less per month. As you can see in the table above, female drivers in the area typically pay $89 on average, while female drivers typically pay $93 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Clementon with a single accident will pay around $100 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$94|
|15 Years or Older||$89|
If you look at the first table above, the cheapest vehicles to insure in Clementon are typically trucks and vans, at $88 per month.
SUV drivers will see rates of about $92, while the rates for car owners average out to about $91 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. 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 Clementon, 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)||$94|
On average, married policyholders will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Clementon is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$115|
Your living accommodations is another factor that affects your monthly rate. In Clementon, homeowners can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot 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 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 shopping for coverage.
In Clementon, the rates for auto insurance had been increasing from 2016-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $73.
How does Clementon compare to neighboring areas?
Why are car insurance rates in Clementon different from other areas?
There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Many factors affecting your policy are based around your home address. These factors include things like:
- Availability of off-street parking
- Local regulations
- Road Safety (total number of local car accidents)
- Number of drivers in the community
- Prevalence of crime
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Clementon?
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.
Good news! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Clementon.
Clementon Insurance FAQs
What factors affect car insurance quotes in Clementon?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Clementon?
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 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.