Table of contents
How much is car insurance in Kearny?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $9 a month cheaper to insure your vehicle in Kearny than it is in the rest of New Jersey.
On the flip side, drivers in Kearny may pay higher rates than the rest of the country. The cost of insuring a vehicle in Kearny is about $16 more expensive than the average rate for the rest of the U.S.
While these are the average car insurance rates for Kearny, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The monthly premium you'll see 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 average rates for Kearny residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Kearny may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Kearny, the difference comes out to about $14 per month. Looking at the table above, you can see that female drivers pay around $89 on average, while male drivers typically pay $103 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Kearny, drivers with one accident on their record will experience rates around $119 a month. Likewise, drivers with one ticket will be looking at a rate of around $98 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$129|
|15 Years or Older||$104|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Kearny, with drivers paying around $82 per month for auto insurance.
SUV drivers will see rates of about $97, while the rates for car owners average out to about $103 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Kearny, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$98|
More often than not, people who are married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Kearny is about $7 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$138|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $4 less than drivers who own property in Kearny. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
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 selecting an insurance provider.
Car insurance rates in Kearny dropped from 2017-2018, and again, from 2020-2021. Rates finished up in 2022, at $94 per month.
How does Kearny compare to neighboring areas?
Why are car insurance rates in Kearny different from other areas?
Car insurance companies will take into account a variety of factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Access to off-street parking
- Road Safety (frequency of car accidents)
- Total number of drivers in the area
- Regional crime rates
- Regional regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Kearny?
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.
Don't worry, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Kearny in no time.
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 like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Kearny different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Kearny?
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 Kearny?
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 Kearny or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?