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How much is car insurance in Hillside?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Hillside are about $8 a month cheaper than in the rest of New Jersey.
That being said the expected monthly payments for an auto insurance policy in Hillside are above the national average. It's about $19 more expensive for coverage in Hillside than the average rates for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Hillside, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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 broken down the average rates for Hillside to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up once you hit retirement age in Hillside.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Hillside, although men do pay a little bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Hillside, drivers with one accident on their record will experience rates around $112 a month. Similarly, drivers with one ticket will typically pay around $165 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$103|
If you look at the first table above, the cheapest vehicles to insure in Hillside are by and large trucks and vans, at $89 per month.
SUV drivers will see rates of about $95 for insurance coverage, while car owners typically pay around $101 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Hillside are vehicles two-to-three years old and fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Hillside can be as much as $6 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||$96|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $21 a month more than if you own your own home in Hillside. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Hillside, NJ
Recent trends in car insurance for Hillside drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Hillside, auto insurance rates had been increasing from 2016-2017, before trending downward from 2018-2019. They finished down in 2021, at $84 a month.
How does Hillside compare to neighboring areas?
Why are car insurance rates in Hillside different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Total number of drivers in the community
- Off-street parking accessibility
- Local crime rates
- Rate of car accidents
- Area regulations
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Hillside?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Hillside.
Hillside Insurance FAQs
What factors affect car insurance quotes in Hillside?
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 credit score, driving record, address, and marital status.
Why is the cost of car insurance in Hillside different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Hillside?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Hillside?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Hillside 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.