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How much is car insurance in East Brunswick?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in East Brunswick is about $25 a month cheaper than it is for the rest of New Jersey.
On the other hand, residents of East Brunswick might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $2 more for your policy in East Brunswick.
Bear in mind that while these rates are the average costs for East Brunswick drivers, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for East Brunswick so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay about $15 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates creep back up once you hit retirement age in East Brunswick.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The price for car insurance in East Brunswick, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In East Brunswick, having a single accident on your record will usually get you rates around $97 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $146.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$88|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in East Brunswick, with drivers paying around $76 per month for auto insurance coverage.
Car owners, on the other hand, typically pay around $85 per month, while truck and van drivers can expect to pay about $77 a month for auto insurance coverage.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In East Brunswick, the most expensive vehicles to insure are vehicles six-to-seven years old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
On average, those who are currently married will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in East Brunswick can be as much as $10 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Your living accommodations is another component of how insurance companies calculate your monthly rate. In East Brunswick, homeowners can expect to pay around $13 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
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 average costs.
Car Insurance Companies in East Brunswick, NJ
Recent trends in car insurance for East Brunswick drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance in East Brunswick had been increasing from 2016-2017, where it hit a high of $93, before steadying out in 2018. Policy premiums increased again in 2019, and finished down at $82 in 2021.
How does East Brunswick compare to neighboring areas?
Why are car insurance rates in East Brunswick different from other areas?
Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- General road safety (how many accidents each locality has)
- Area crime rates
- Amount of off-street parking
- Community regulations
- Total amount of drivers in the area
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in East Brunswick?
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.
But wait! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in East Brunswick.
East Brunswick Insurance FAQs
What factors affect car insurance quotes in East Brunswick?
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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in East Brunswick different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 East Brunswick?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to East Brunswick?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to East Brunswick or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.