Table of contents
How much is car insurance in Linden?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Linden are in line with rates across the rest of New Jersey.
On the other hand, Linden residents should prepare to pay higher rates for coverage than the rest of the country. You can expect to pay about $25 more for your policy in Linden.
Although these are the average rates for auto insurance in Linden, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down average rates for Linden 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Linden may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Linden defies this trend. Female drivers typically pay around $17 more per month for car insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Linden with a single accident on their record is about $108 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $113.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$109|
|15 Years or Older||$100|
In Linden, the cheapest vehicles to insure are typically SUVs, with drivers paying around $88 per month for auto insurance coverage.
Car owners can expect to pay an average of around $109 a month for their policy, while truck and van drivers are usually around $125 to insure each month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Linden, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$109|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Linden follows that pattern, with the difference totaling to around $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$204|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Linden. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Linden, NJ
Recent trends in car insurance for Linden 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.
The cost of car insurance coverage in Linden declined from 2016-2017, before steadying out in 2018. Policy premiums finished down in 2021, at $85 a month
How does Linden compare to neighboring areas?
Why are car insurance rates in Linden different from other areas?
Car insurance companies will take into account numerous factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Amount of drivers
- Road safety
- Rate of crime
- Off-street parking accessibility
- Community laws
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Linden?
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 can handle all of this for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies that offer policies in Linden.
Linden Insurance FAQs
What factors affect car insurance quotes in Linden?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Linden different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Linden?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Linden?
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 Linden or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?