Hillside, NJ Car Insurance

On average, Hillside drivers pay a monthly average rate of around $96 for their car insurance. Read our guide below to learn more about your specific rates.
How does Hillside stack up to the rest of the area, or even New Jersey as a whole? What can Hillside residents expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Hillside?

Area Average Monthly Car Insurance Premium
Hillside$96
NJ$106
United States$81

Based on the chart above, you can see that coverage in Hillside typically costs about $10 a month less than it does in the rest of New Jersey.

Conversely, Hillside residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of insuring a vehicle in Hillside is about $15 more expensive than the average rate for 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 numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

We've analyzed the average rate for Hillside and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$124
25-34$95
35-44$97
45-54Not Enough Data
55-64$83
65+$120

The older you are, the more experienced you are on the roads. 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 more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Hillside.

Average Car Insurance Rates by Gender

Gender Average
Male$93
Female$101

Although women typically pay less than men do for auto insurance, this is not the case in Hillside, where female drivers pay around $8 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$113
Multiple Accidents$141
1 Ticket$138
Multiple Tickets$103

Your rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Hillside with a single accident on their record is about $113 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $138.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$121
4-5 Years$84
6-7 Years$78
8-10 Years$90
11-14 Years$97
15 Years or Older$97

As you can see in the first table above, the cheapest vehicles to insure in Hillside are by and large trucks and vans, which run about $90 per month.

Car owners can expect to pay an average of around $97 a month for their policy, while SUVs usually cost around $93 a month to insure.

Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Hillside, the most expensive vehicles to insure 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)$96
Married$89
Divorced$105

Generally, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Hillside is no exception, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$82
Rent$100
Live with parents$96

Another factor that comes into play is your living situation. If you rent your home or apartment in Hillside, expect to pay around $18 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Hillside, NJ

Recent trends in car insurance for Hillside drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

The rates for car insurance in Hillside decreased from 2017-2019, before steadying out in 2020. They finished up in 2022, at $86 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 figuring out how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Area regulations
  • Total number of drivers in the area
  • Crime levels
  • Number of car accidents
  • Off-street parking availability

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. 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?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those 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 the many car insurance companies providing coverage in Hillside in no time.

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Hillside Insurance FAQs

What factors affect car insurance quotes in Hillside?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Hillside 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 Hillside?

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 Hillside?

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. 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.

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