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How much is car insurance in Irvington?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Irvington are about $43 a month more expensive than the rest of New Jersey.
Likewise, Irvington residents should prepare to pay higher rates for coverage than the rest of the country. It's around $68 more expensive to insure your vehicle in Irvington compared to the average rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Irvington, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Irvington so that you can get a more accurate idea of what your policy will cost you. 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|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may start to rise again in Irvington.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Irvington, although men do pay a little bit less on their monthly auto insurance coverage, 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. Drivers with clean records will pay lower rates than those with accidents or violations. In Irvington, a driving record with one accident will usually get you a rate around $192 a month. Likewise, drivers with one ticket will be looking at a rate of around $178 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$136|
|15 Years or Older||$140|
The most affordable vehicles to insure in Irvington are usually SUVs, trucks, and vans, which run about $141 per month.
Car owners, meanwhile, pay on average $154 per month to insure their vehicle.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 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)||$152|
Generally speaking, people who are married will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Irvington is no exception, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$203|
Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Irvington can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Irvington, NJ
Recent trends in car insurance for Irvington drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Irvington, auto insurance rates had been decreasing steadily from 2017-2021. They finished up in 2022, at $193 a month
How does Irvington compare to neighboring areas?
Why are car insurance rates in Irvington different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Amount of drivers in the community
- Area crime rates
- Road Safety (total number of local car accidents)
- Availability of off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing coverage in Irvington.
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Irvington Insurance FAQs
What factors affect car insurance quotes in Irvington?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Irvington different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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?
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. 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 Irvington 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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