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How much is car insurance in Elizabethport?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $58 a month more expensive to insure your vehicle in Elizabethport than it is in the rest of New Jersey.
Likewise, Elizabethport residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $85 cheaper than it is in Elizabethport.
Although these are the average monthly costs for an auto insurance policy in Elizabethport, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've analyzed the average rate for Elizabethport and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may creep back up a bit in Elizabethport.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This rings true in Elizabethport, where women pay around $34 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $145 each month, while men pay $179 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay less than those with infractions. Drivers in Elizabethport with one accident will pay around $137 a month. Similarly, drivers with one ticket will typically pay around $183 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$123|
|15 Years or Older||$199|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Elizabethport, with drivers paying around $123 per month for insurance.
Truck and van drivers will see rates of about $143 for car insurance coverage, while car owners usually pay around $183 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium 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)||$176|
More often than not, married policyholders will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Elizabethport is no exception, with the difference totaling to around $45 a 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 $46 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Elizabethport, NJ
Recent trends in car insurance for Elizabethport drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Auto insurance rates in Elizabethport went up from 2016-2017, but started to turn downward from 2018-2019, when they hit a low of $130. Rates finished down in 2021, at $95 a month.
How does Elizabethport compare to neighboring areas?
Why are car insurance rates in Elizabethport different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Regional crime rates
- Area laws
- Number of drivers in the community
- Road Safety (total number of local car accidents)
- Off-street parking accessibility
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Elizabethport?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Elizabethport.
Elizabethport Insurance FAQs
What factors affect car insurance quotes in Elizabethport?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Elizabethport different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Elizabethport?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. 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 Elizabethport 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?