Kearny, NJ Car Insurance

On average, Kearny drivers pay around $101 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Are rates in Kearny higher or lower than those in neighboring areas? How do they compare to the rest of New Jersey? What should residents of Kearny 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 Kearny?

Area Average Monthly Car Insurance Premium
Kearny$101
NJ$107
United States$80

Auto insurance coverage in Kearny is about $6 cheaper than it is in the rest of New Jersey.

On the flip side, Kearny residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment in Kearny is about $21 more expensive than the rate for the rest of the U.S.

Although these are the average rates for auto insurance in Kearny, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

Don't sweat it however, we've broken down average rates for Kearny residents 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 18Not Enough Data
18-24$180
25-34$90
35-44$92
45-54Not Enough Data
55-64$80
65+$83

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $97 more than someone who is retirement aged.

As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates creep back up in Kearny.

Average Car Insurance Rates by Gender

Gender Average
Male$105
Female$94

Female drivers pay, on average, slightly less than their male counterparts. This rings true in Kearny, where women pay around $11 less per month than men. Based on the chart above, you can see that male drivers pay $105 on average, while female drivers typically pay $94 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$107
Multiple Accidents$92
1 Ticket$77
Multiple TicketsNot Enough Data

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Kearny with a single accident on their record will usually see rates around $107 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $77.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$226
2-3 Years$94
4-5 Years$109
6-7 Years$83
8-10 Years$103
11-14 Years$97
15 Years or Older$105

If you look at the first table above, the cheapest vehicles to insure in Kearny are by and large trucks and vans, at $93 per month.

Car owners can expect to pay an average of around $104 a month for their policy, while SUVs usually cost around $96 a month to insure.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Kearny, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$103
Married$95
Divorced$97
Widowed$64

Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Kearny as well, where the difference is around $8 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$98
Rent$100
Live with parents$138

Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in Kearny can expect to pay around $2 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Kearny, NJ

Recent trends in car insurance for Kearny 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.

The rates for car insurance in Kearny dropped from 2016-2018, before steadying out in 2019. Insurance rates have been decreasing again recently, and were down to $78 in 2021.

How does Kearny compare to neighboring areas?

Why are car insurance rates in Kearny different from other areas?

There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Frequency of car accidents
  • Total number of drivers in the area
  • Off-street parking access
  • Crime rates
  • Regional laws

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Kearny?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Kearny.

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Kearny Insurance FAQs

What factors affect car insurance quotes in Kearny?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Kearny different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Kearny?

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 Kearny?

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. 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 Kearny or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes