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How much is car insurance in Garfield?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Garfield are about $13 a month more expensive than the rest of New Jersey.
Similarly, Garfield residents should prepare to pay higher rates for coverage than the rest of the country. You can expect to pay about $38 more for your policy in Garfield.
Although these are the average rates for auto insurance in Garfield, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you 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.
Don't sweat it however, we've broken down average rates for Garfield residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, 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 experienced you are on the roads. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may creep back up in Garfield.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Garfield goes against the grain. Female drivers typically pay around $27 more a month for auto insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Garfield with a single accident will pay around $159 a month. Similarly, drivers with one ticket will typically pay around $121 on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$112|
|15 Years or Older||$99|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Garfield, with drivers paying around $93 per month for insurance.
Car owners can expect to pay an average of around $125 a month for their policy, while truck and van drivers are usually around $114 to insure each month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In Garfield, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$126|
On average, those who are currently married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Garfield reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $30 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$121|
Another factor that comes into play is your living situation. Homeowners in Garfield can expect to pay around $18 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Garfield, NJ
Recent trends in car insurance for Garfield drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of car insurance in Garfield declined from 2017-2018, where it reached a low of $107, before leveling out in 2019. Policy premiums decreased again in 2020, and finished up at $221 in 2022.
How does Garfield compare to neighboring areas?
Why are car insurance rates in Garfield different from other areas?
There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Frequency of car accidents
- Amount of drivers
- Crime levels
- Off-street parking access
- Area regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Garfield?
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.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Garfield.
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Garfield Insurance FAQs
What factors affect car insurance quotes in Garfield?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Garfield different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
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 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Garfield or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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