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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 car insurance rates in Egg Harbor Township are in line with rates across the rest of New Jersey.
On the other hand, Egg Harbor Township residents will likely pay higher rates for their insurance policy than the rest of the country. Coverage in Egg Harbor Township is about $24 more expensive than it is for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Egg Harbor Township, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Egg Harbor Township and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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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 longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in 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
In general, female drivers pay less for car insurance than their male counterparts. The difference in Egg Harbor Township is about $6 per month. Based on the chart above, you can see that female drivers pay around $101 on average, while male drivers typically pay $107 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. In Egg Harbor Township, drivers with one accident on their record will experience rates around $114 a month. In addition, drivers with one ticket can expect to pay around $127 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$137|
|15 Years or Older||$105|
As you can see in the first table above, the cheapest vehicles to insure in Egg Harbor Township are by and large SUVs, which run about $90 per month.
Car owners will see rates of about $113, while truck and van owners usually pay around $104 a month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Egg Harbor Township, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$108|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Egg Harbor Township can be as much as $16 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||$143|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $1 a month more than drivers who own property in Egg Harbor Township. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Egg Harbor Township, NJ
Recent trends in car insurance for Egg Harbor Township 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.
In Egg Harbor Township, auto insurance rates had been increasing from 2017-2018, before trending downward from 2019-2021. They finished up in 2022, at $126.
How does Egg Harbor Township compare to neighboring areas?
Why are car insurance rates in Egg Harbor Township different from other areas?
Car insurance companies look at a number of factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Area crime rates
- Community laws
- General road safety (how many accidents each locality has)
- Off-street parking accessibility
- Amount of drivers in the region
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Egg Harbor Township?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Egg Harbor Township.
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Egg Harbor Township Insurance FAQs
What factors affect car insurance quotes in Egg Harbor Township?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Egg Harbor Township different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 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 however, 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?
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, 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 Egg Harbor Township 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.
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