Irvington, NJ Car Insurance

Drivers in Irvington pay, on average, $148 a month for their car insurance. Read our guide below to learn more about your specific rates.
Compared to their surrounding area, how do rates in Irvington stack up? What about against the rest of New Jersey? What rates should residents of Irvington expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Irvington?

Area Average Monthly Car Insurance Premium
Irvington$148
NJ$107
United States$80

Car insurance policies across the rest of New Jersey are about $41 a month cheaper than the rates drivers pay in Irvington.

Likewise, Irvington residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $68 more for coverage in Irvington than in the rest of the U.S.

Keep in mind that while these are the average car insurance rates for Irvington, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Irvington residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$216
25-34$151
35-44$144
45-54Not Enough Data
55-64$120
65+$103

It makes sense that older drivers would have more experience behind the wheel. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may creep back up a bit in Irvington.

Average Car Insurance Rates by Gender

Gender Average
Male$147
Female$150

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Irvington, although men do pay a bit less on their monthly auto coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$173
Multiple Accidents$199
1 Ticket$267
Multiple Tickets$154

Rates can change drastically depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Irvington, a driving record with one accident will usually get you a rate around $173 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $267.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$136
2-3 Years$137
4-5 Years$134
6-7 Years$144
8-10 Years$154
11-14 Years$156
15 Years or Older$141

The cheapest vehicles to insure in Irvington are by and large SUVs, with each type typically costing about $135 per month.

Car owners, on the other hand, usually pay around $154 per month, while truck and van drivers can expect to pay about $146 a month to insure their car.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Irvington, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$149
Married$141
Divorced$140
Widowed$165

On average, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Irvington can be as much as $8 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$136
Rent$148
Live with parents$219

One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $12 a month more than drivers who own property in Irvington. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Irvington, NJ

Recent trends in car insurance for Irvington drivers

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

Car insurance rates in Irvington went up from 2016-2017, when they hit a high of $170. This pattern changed in 2018, when they began to decrease, and have continued on that road through the present, when rates reached a low of $118 per month.

How does Irvington compare to neighboring areas?

Why are car insurance rates in Irvington 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 live and drive will have an impact on your personal policy. This might include things like:

  • Total number of drivers
  • Amount of off-street parking
  • Prevalence of crime
  • Area regulations
  • Road safety

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 Irvington?

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.

Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Irvington.

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Irvington Insurance FAQs

What factors affect car insurance quotes in Irvington?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.

Why is the cost of car insurance in Irvington 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 Irvington?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Irvington?

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. 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 Irvington 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?

Find your best rate in just a few minutes