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How much is car insurance in Fair Lawn?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the New Jersey, coverage in Fair Lawn is about $21 a month cheaper.
On the other hand, drivers in Fair Lawn may pay higher rates than the rest of the country. It's about $4 more expensive than the national average to insure your vehicle in Fair Lawn.
Although these are the average rates for auto insurance in Fair Lawn, it's important to remember that you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your bill each month 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 policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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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 can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Fair Lawn may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Fair Lawn is around $11 a month. As you can see in the table above, male drivers in the area typically pay $88 on average, while female drivers typically pay $77 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Fair Lawn, a driving record with a single accident will usually get you a rate around $79 a month. Likewise, drivers with one ticket will be looking at a rate of around $84 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$90|
|15 Years or Older||$80|
In terms of affordable coverage, the cheapest vehicles to insure in Fair Lawn are usually cars, at $82 per month.
SUV owners, on the other hand, typically pay around $88 per month, while truck and van drivers can expect to pay about $100 a month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 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, those who are currently married will pay slightly less for auto insurance. 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||$79|
Another factor taken into consideration is your housing status. If you rent your home or apartment in Fair Lawn, expect to pay around $5 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
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 policy.
Auto insurance rates in Fair Lawn have been mixed as of late, they dropped in 2017, increased in 2019, and decreased again in 2021, before finishing at $64 in 2022.
How does Fair Lawn compare to neighboring areas?
Why are car insurance rates in Fair Lawn different from other areas?
There are numerous factors car insurance companies will consider when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional regulations
- Road Safety (frequency of car accidents)
- Amount of off-street parking
- Rate of crime
- Number of drivers
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 Fair Lawn?
Arming 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.
Good news! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Fair Lawn in no time.
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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 crime rates, parking situations, and local laws 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 getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Fair Lawn or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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