Garfield, NJ Car Insurance

How does Garfield stack up to the rest of the area, or even New Jersey as a whole? How much can residents of Garfield expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Garfield?

Coverage for your vehicle in Garfield will typically run you about $13 a month more than in the rest of New Jersey.

Likewise, Garfield residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $41 more expensive for coverage in Garfield than the average rates for the U.S. as a whole.

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. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Garfield Car Insurance Rates by Age

It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Garfield.

Garfield Car Insurance Rates by Gender

Although female drivers pay, on average, less than male drivers for car insurance coverage, Garfield actually bucks this trend. While female drivers pay $139 per month for insurance coverage, males only pay about $110.

Garfield Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. In Garfield, drivers with one accident on their record will experience rates around $159 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $121.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Garfield Insurance Rates by Vehicle

The cheapest vehicles to insure in Garfield are usually SUVs, with each type typically costing about $97 per month.

Truck and van drivers will see rates of about $114 for auto insurance, while car owners by and large pay around $127 a month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. In Garfield, vehicles eight-to-ten years old are the most expensive to insure.

Garfield Car Insurance Rates by Relationship Status

Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

In Garfield, the difference in rates based on relationship status can be as much as $29 a month.

Garfield Car Insurance Rates by Housing Situation

One other element taken into consideration is your living situation. In Garfield, homeowners can expect to pay around $20 a month less than those who rent. But if you live with your parents, you 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 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.

The rates for car insurance in Garfield dropped from 2017-2018 -- where they hit a low of $107 -- before steadying out in 2019. Insurance rates decreased again in 2020, and finished up at $195 in 2022.

How does Garfield compare to neighboring areas?

Why are car insurance rates in Garfield different from other areas?

When considering how much to charge for coverage, car insurance companies will review a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

• Local regulations
• Access to off-street parking
• Crime levels
• Number of drivers in the community
• Rate of car accidents

Knowing the make-up of these factors can be helpful when deciding on purchasing 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 Garfield?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Garfield.

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Garfield Auto Insurance FAQs

What factors affect car insurance quotes in Garfield?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Garfield different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, parking situations, 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 Garfield?

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 Garfield?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Garfield 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?