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How much is car insurance in Jackson?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the New Jersey, coverage in Jackson is about $23 a month cheaper.
That being said Jackson residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $2 more expensive for coverage in Jackson than the average rates for the U.S. as a whole.
Bear in mind that while these rates are the average costs for Jackson residents, it doesn't mean that's 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 based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rates for Jackson residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, 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|
The longer you've been on the road, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates start to rise again in Jackson.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This is true in Jackson, where women pay around $6 less per month. Looking at the table above, you can see that female drivers pay around $80 on average, while male drivers typically pay $86 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Jackson, having a single accident on your record will usually get you rates around $102 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $89 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$93|
|15 Years or Older||$82|
The cheapest vehicles to insure in Jackson are by and large SUVs, with each type typically costing about $71 per month.
Truck and van drivers will see rates of about $88 for auto insurance coverage, while car owners typically pay around $87 a month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. In Jackson, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
More often than not, those who are currently married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Jackson is no exception, with the difference totaling to around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$120|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $18 a month more than drivers who own property in Jackson. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Jackson, NJ
Recent trends in car insurance for Jackson 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 picking an insurance policy.
In Jackson, car insurance rates went up from 2017-2019, when they hit a high of $86. This changed in 2020, when they began to turn downward again. They finished up in 2022, at $108 per month
How does Jackson compare to neighboring areas?
Why are car insurance rates in Jackson different from other areas?
Car insurance companies take in a number of factors when choosing how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Number of drivers in the community
- General road safety (how many accidents each locality has)
- Off-street parking availability
- Prevalence of crime
- Area regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Jackson?
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.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Jackson.
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Jackson Insurance FAQs
What factors affect car insurance quotes in Jackson?
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 vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Jackson different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, 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 Jackson?
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 Jackson?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Jackson or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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