At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Harrison?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Harrison is about $11 cheaper than it is in the rest of New Jersey.
If you're considering relocating to Harrison from out of state, you may want to budget a little extra for your insurance. It's around $14 more expensive for coverage in Harrison than the average rates seen in the rest of the U.S.
These may be the average auto insurance rates for Harrison, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay 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 Harrison so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Find your best rate in just a few minutes
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 premiums, that experience pays off. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Harrison drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance, Harrison actually bucks this trend. While female drivers pay $103 a month for insurance coverage, males only pay about $90.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. In Harrison, having a single accident on your record will usually get you rates around $106 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $133.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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||$85|
|15 Years or Older||$107|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Harrison, with drivers paying around $78 per month for auto insurance.
Car owners can expect to pay an average of around $99 a month for their policy, while SUVs usually cost around $85 a month to insure.
You may also see different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Harrison, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$97|
More often than not, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Harrison is no exception, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$216|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Harrison, expect to pay around $2 a month more than if you are a homeowner. 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 costs, depending on your insurance company.
Car Insurance Companies in Harrison, NJ
Recent trends in car insurance for Harrison 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 Harrison declined from 2017-2018, before leveling out in 2019. Car insurance rates finished up in 2022, at $118 per month
How does Harrison compare to neighboring areas?
Why are car insurance rates in Harrison different from other areas?
There are a variety of factors car insurance companies will consider when deciding 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:
- Number of drivers in the area
- Regional crime rates
- Road Safety (how many accidents each locality has)
- Access to off-street parking
- Area laws
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Harrison?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Harrison.
Find your best rate in just a few minutes
Harrison Insurance FAQs
What factors affect car insurance quotes in Harrison?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Harrison 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, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Harrison?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Harrison?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. 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 Harrison 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?
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Find your best rate in just a few minutes