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How much is car insurance in Elizabethport?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of New Jersey are about $55 a month cheaper than the rates drivers pay in Elizabethport.
If you're considering relocating to Elizabethport from out of state, you may want to budget a little extra for your insurance. It's about $80 more expensive for coverage in Elizabethport than the average rates for the U.S. as a whole.
Keep in mind that while these are the average car insurance rates for Elizabethport, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But don't worry, we've broken down average rates for Elizabethport residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up a bit in Elizabethport.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Elizabethport, where women pay around $24 less a month. As illustrated in the table above, female drivers in the area pay about $147 on average, while male drivers pay around $171 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 lower rates than those with infractions. In Elizabethport, a driving record with one accident will usually get you a rate around $135 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $143.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$157|
|15 Years or Older||$189|
If you look at the first table above, the cheapest vehicles to insure in Elizabethport are by and large SUVs, at $123 per month.
Truck and van drivers will see rates of about $144 to insure their vehicle, while car owners usually pay around $178 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Elizabethport, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$170|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Elizabethport, with married couples paying about $36 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Your housing status is another factor that affects your monthly rate. In Elizabethport, homeowners can expect to pay around $45 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot 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 Elizabethport, NJ
Recent trends in car insurance for Elizabethport drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The cost of car insurance coverage in Elizabethport dropped from 2017-2019, before leveling out in 2020. Insurance rates finished up in 2022, at $149 a month
How does Elizabethport compare to neighboring areas?
Why are car insurance rates in Elizabethport different from other areas?
Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Local regulations
- Availability of off-street parking
- Amount of drivers in the community
- Area crime rates
- Road Safety (total number of local car accidents)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Elizabethport?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Elizabethport.
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Elizabethport Insurance FAQs
What factors affect car insurance quotes in Elizabethport?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Elizabethport different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Elizabethport?
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 Elizabethport?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Elizabethport or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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