Table of contents
How much is car insurance in Egg Harbor Township?
|Area||Average Monthly Car Insurance Premium|
|Egg Harbor Township||$105|
Based on the chart above, you can see that the costs for coverage in Egg Harbor Township are in line with rates across the rest of New Jersey.
Conversely, Egg Harbor Township residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of insuring a vehicle in Egg Harbor Township is about $25 more expensive than the average rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Egg Harbor Township, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Egg Harbor Township residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates rise again once you hit retirement age in Egg Harbor Township.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Egg Harbor Township, male drivers pay about $10 more per month. As illustrated in the table above, male drivers in the area pay about $109 on average, while female drivers pay around $99 each month.
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 Egg Harbor Township, a driving record with a single accident will usually get you a rate around $118 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $149 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$142|
|15 Years or Older||$107|
As you can see in the first table above, the cheapest vehicles to insure in Egg Harbor Township are usually SUVs, which run about $89 per month.
Car owners, on the other hand, by and large pay around $114 a month, while truck and van drivers can expect to pay about $101 per month to insure their vehicle.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Egg Harbor Township, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
More often than not, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Egg Harbor Township, with married couples paying about $27 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$150|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Egg Harbor Township. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Egg Harbor Township, NJ
Recent trends in car insurance for Egg Harbor Township drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for car insurance in Egg Harbor Township had been increasing from 2016-2018, but began to turn downward in 2019. This pattern has continued through 2021 when rates have most recently hit $77 a month.
How does Egg Harbor Township compare to neighboring areas?
Why are car insurance rates in Egg Harbor Township different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Area crime rates
- Regional laws
- Road Safety (total number of local car accidents)
- Access to off-street parking
- Total drivers
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Egg Harbor Township?
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. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Egg Harbor Township.
Egg Harbor Township Insurance FAQs
What factors affect car insurance quotes in Egg Harbor Township?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Egg Harbor Township 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 parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Egg Harbor Township?
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 Egg Harbor Township?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Egg Harbor Township or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.