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How much is car insurance in Garfield?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Garfield are about $7 a month more expensive than the rest of New Jersey.
The average cost of insuring your vehicle in Garfield is above the national rate. The cost of insuring a vehicle in Garfield is about $34 more expensive than the average rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Garfield, 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. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Garfield and broken down the different factors to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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 car insurance bills, that experience pays off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates rise again once you hit retirement in Garfield.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance coverage, this is not the case in Garfield, where female drivers pay around $125 per month while male drivers pay about $109.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Garfield with a single accident will pay around $120 a month. In addition, drivers with one ticket can expect to pay around $117 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$112|
|15 Years or Older||$98|
The cheapest vehicles to insure in Garfield are typically SUVs, with each type typically costing about $92 per month.
Truck and van drivers will see rates of about $118, while the rates for car owners average out to about $117 a month.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Garfield, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$121|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
The difference in rates based on relationship status in Garfield can be as much as $25 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||$127|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Garfield, homeowners can expect to pay around $12 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 costs.
Car Insurance Companies in Garfield, NJ
Recent trends in car insurance for Garfield drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Garfield, auto insurance rates increased from 2016-2017, but began to decrease in 2020. This trend has continued through 2021 when rates have most recently reached $84 per month.
How does Garfield compare to neighboring areas?
Why are car insurance rates in Garfield different from other areas?
Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Road Safety (total number of local car accidents)
- Area crime rates
- Availability of off-street parking
- Total number of drivers in the region
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Garfield?
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 can handle all of this for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Garfield.
Garfield Insurance FAQs
What factors affect car insurance quotes in Garfield?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Garfield different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Garfield?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Garfield?
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, 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 Garfield 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.