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How much is car insurance in Fair Lawn?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Fair Lawn is about $21 cheaper than it is in the rest of New Jersey.
If you're considering relocating to Fair Lawn from out of state, you may want to budget a little extra for your insurance. The cost of auto coverage in Fair Lawn is about $6 more expensive than the national average.
These rates may be the average amount residents of Fair Lawn pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Fair Lawn so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $30 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in Fair Lawn.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Fair Lawn is around $15 a month. Based on the chart above, you can see that male drivers pay $90 on average, while female drivers typically pay $75 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Fair Lawn with one accident will pay around $80 a month.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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||$90|
|15 Years or Older||$81|
In Fair Lawn, the cheapest vehicles to insure are typically cars, with drivers paying around $82 per month for insurance coverage.
Truck and van drivers will see rates of about $115 for car insurance, while SUV owners by and large pay around $87 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Fair Lawn, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Fair Lawn, with married couples paying about $21 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $2 a month more than drivers who own property in Fair Lawn. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Fair Lawn, NJ
Recent trends in car insurance for Fair Lawn drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Fair Lawn, auto insurance rates increased from 2016-2017, before leveling out in 2018. Insurance rates had been increasing again, reaching a high of $98 in 2020, and finished down at $83 in 2021.
How does Fair Lawn compare to neighboring areas?
Why are car insurance rates in Fair Lawn different from other areas?
Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Local crime rates
- Area laws
- Off-street parking accessibility
- Number of drivers in the area
- Road Safety (how many accidents each locality has)
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. 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 Fair Lawn?
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.
Fortunately, Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering plans in Fair Lawn.
Fair Lawn Insurance FAQs
What factors affect car insurance quotes in Fair Lawn?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Fair Lawn 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 Fair Lawn?
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 Fair Lawn?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Fair Lawn or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?