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How much is car insurance in Hackensack?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Hackensack as it does in the rest of New Jersey.
Likewise, Hackensack residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $27 more for coverage in Hackensack than in the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
Don't worry, we've done the work for you and broken down the average rates for Hackensack to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Hackensack drivers may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in Hackensack is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Hackensack with one accident will pay around $121 a month. Likewise, drivers with one ticket will be looking at a rate of around $150 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$83|
|15 Years or Older||$106|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Hackensack, with drivers paying around $91 per month for insurance coverage.
Truck and van drivers will see rates of about $98 to insure their vehicle, while car owners by and large pay around $114 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Hackensack, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$108|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Hackensack are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$166|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $15 a month more than those who own their own home in Hackensack. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Hackensack, NJ
Recent trends in car insurance for Hackensack drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Car insurance rates in Hackensack declined from 2017-2018, before steadying out in 2019. Rates began decreasing again in 2020, and finished up in 2022, at $126.
How does Hackensack compare to neighboring areas?
Why are car insurance rates in Hackensack different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- General road safety (how many accidents each locality has)
- Area laws
- Off-street parking availability
- Number of drivers
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Hackensack?
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 has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Hackensack in no time.
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Hackensack Insurance FAQs
What factors affect car insurance quotes in Hackensack?
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 gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Hackensack different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Hackensack?
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 Hackensack?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. 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 Hackensack or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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