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How much is car insurance in East Brunswick?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $22 a month cheaper to insure your vehicle in East Brunswick than it is in the rest of New Jersey.
That being said East Brunswick residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $3 more expensive for coverage in East Brunswick than the average rates for the U.S. as a whole.
Bear in mind that while these rates are the average costs for drivers in East Brunswick, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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.
But don't worry, we've broken down the average rate for East Brunswick residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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!
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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 on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay about $18 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may rise again in East Brunswick.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While this isn't true in East Brunswick, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in East Brunswick with a single accident will pay around $97 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $114.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$90|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in East Brunswick, with drivers paying around $73 per month for insurance coverage.
Car owners can expect to pay an average of around $90 a month for their policy, while SUVs usually cost around $75 a month to insure.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In East Brunswick, vehicles fifteen years and older and four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$87|
Overall, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly award 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 $13 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||$85|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than homeowners in East Brunswick. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in East Brunswick, NJ
Recent trends in car insurance for East Brunswick 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.
In East Brunswick, auto insurance rates declined from 2017-2018, before rising from 2019-2020. They finished up in 2022 at $122.
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 numerous factors when they're choosing 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:
- Regional regulations
- Access to off-street parking
- Road Safety (how many accidents each locality has)
- Total number of drivers in the region
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
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 hold on! Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in East Brunswick.
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East Brunswick Insurance FAQs
What factors affect car insurance quotes in East Brunswick?
The factors that car insurance companies take into account when calculating your monthly cost 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 East Brunswick different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 East Brunswick?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. 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 East Brunswick 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?
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