East Orange, NJ Car Insurance

Residents of East Orange pay, on average, about $144 per month for car insurance. To learn more about what you're likely to pay in the East Orange area, read our guide below.
How does East Orange stack up to the rest of the area, or even New Jersey as a whole? What can East Orange residents expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in East Orange?

Area Average Monthly Car Insurance Premium
East Orange$144
NJ$107
United States$80

As you can see in the chart above, it is around $37 a month more expensive to insure your vehicle in East Orange than it is in the rest of New Jersey.

Drivers relocating the East Orange should take note of the differences in average rates. It's about $64 more expensive than the national average to insure your vehicle in East Orange.

Although these are the average rates for auto insurance in East Orange, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rates for East Orange residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$230
25-34$139
35-44$142
45-54$119
55-64$101
65+$102

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $128 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in East Orange may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$136
Female$152

While women typically pay less than men do for auto insurance, East Orange defies this trend. Female drivers typically pay around $16 more a month for auto insurance than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$156
Multiple Accidents$191
1 Ticket$161
Multiple Tickets$176

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In East Orange, having a single accident on your record will usually get you rates around $156 a month. In addition, drivers with a single ticket on their record can expect to pay around $161 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$108
2-3 Years$184
4-5 Years$160
6-7 Years$128
8-10 Years$140
11-14 Years$147
15 Years or Older$143

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in East Orange, with drivers paying around $125 per month for auto insurance.

Car owners will see rates of about $151, while truck and van owners typically pay around $139 per month.

You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. 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)$149
Married$130
Divorced$107
Widowed$102

Overall, people who are married will pay slightly less to insure their vehicle. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. East Orange follows that pattern, with the difference totaling to around $19 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$134
Rent$144
Live with parents$205

Your living accommodations is another component of how insurance companies calculate your monthly rate. In East Orange, homeowners can expect to pay around $10 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in East Orange, NJ

Recent trends in car insurance for East Orange drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

Auto insurance rates in East Orange rose from 2016-2017, where they reached a high of $165, before leveling out in 2018. Car insurance rates increased again in 2019, and finished down at $104 in 2021.

How does East Orange compare to neighboring areas?

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

Car insurance companies will take into account numerous factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Availability of off-street parking
  • Local crime rates
  • Area laws
  • Road safety
  • Amount of drivers

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. 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 East Orange?

Equipping 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.

Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in East Orange.

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East Orange Insurance FAQs

What factors affect car insurance quotes in East Orange?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in East Orange?

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 Orange?

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?

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 East Orange 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.

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