East Orange, NJ Car Insurance

Drivers in East Orange pay around $142 a month for their car insurance. To learn more about car insurance rates in the East Orange area, read our guide below.
What rates can residents of East Orange expect to pay for their car insurance? Are rates in East Orange higher or lower than those in neighboring areas? How do they compare to the rest of New Jersey? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in East Orange?

Area Average Monthly Car Insurance Premium
East Orange$142
NJ$106
United States$81

You can see in the chart above that it's around $36 a month more expensive to insure your vehicle in East Orange than it is in the rest of New Jersey.

Similarly, residents of East Orange might expect to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $61 cheaper than it is in East Orange.

Although these are the average car insurance rates in East Orange, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. 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 worry not, we've done the heavy lifting and broken down the average rate for East Orange to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$228
25-34$137
35-44$140
45-54$118
55-64$100
65+$110

Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay $118 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. East Orange drivers may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$135
Female$149

Despite the national trend of women paying less than men for insurance coverage, in East Orange men actually pay $135 per month for coverage while women pay $149.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$153
Multiple Accidents$191
1 Ticket$134
Multiple Tickets$192

Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. Drivers in East Orange with a single accident will pay around $153 a month. Similarly, drivers with one ticket will typically pay around $134 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$111
2-3 Years$175
4-5 Years$152
6-7 Years$129
8-10 Years$142
11-14 Years$143
15 Years or Older$141

As you can see in the first table above, the cheapest vehicles to insure in East Orange are usually SUVs, which run about $124 per month.

Truck and van drivers will see rates of about $135 for car insurance, while car owners by and large pay around $148 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In East Orange, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$146
Married$129
Divorced$105
Widowed$102

Generally, married policyholders will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in East Orange is about $17 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$131
Rent$142
Live with parents$193

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $11 a month more than homeowners in East Orange. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in East Orange, NJ

Recent trends in car insurance for East Orange drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

The rates for car insurance in East Orange decreased from 2017-2018, before increasing from 2019-2020. They finished up in 2022 at $141.

How does East Orange compare to neighboring areas?

Why are car insurance rates in East Orange different from other areas?

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

  • Road Safety (frequency of local car accidents)
  • Total number of drivers in the community
  • Prevalence of crime
  • Community regulations
  • Access to off-street parking

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 East Orange?

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.

Fortunately, Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering plans in East Orange.

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East Orange Insurance FAQs

What factors affect car insurance quotes in East Orange?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.

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

Parking situations, crime rates, and local laws -- 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 Orange?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to East Orange?

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. 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 Orange 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?

Find your best rate in just a few minutes