New Brunswick, NJ Car Insurance

Are rates in New Brunswick higher or lower than those in neighboring areas? How do they compare to the rest of New Jersey? How much can residents of New Brunswick expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in New Brunswick?

Based on the above chart, auto insurance policies in New Brunswick are about $9 a month cheaper than in the rest of New Jersey.

Conversely, New Brunswick residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $16 more expensive to insure your vehicle in New Brunswick compared to the average rate for the rest of the U.S.

Keep in mind that while these are the average car insurance rates for New Brunswick, it isn't guaranteed that it's 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 age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

We've done the heavy lifting for you and broken down the average rate for New Brunswick so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in New Brunswick.

Average Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in New Brunswick, where women pay around $9 less per month than men. As you can see in the table above, male drivers in the area typically pay $101 on average, while female drivers typically pay $92 each month.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. Drivers in New Brunswick with a single accident on their record will usually see rates around $100 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $122.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in New Brunswick are typically SUVs, which run about $90 per month.

Truck and van drivers will see rates of about $111, while the rates for SUV owners average out to about $90 a month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In New Brunswick, vehicles eleven-to-fourteen years old and eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

More often than not, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly 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. New Brunswick is no exception, with the difference totaling to around $4 a month.

Average Car Insurance Rates by Housing Situation

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in New Brunswick. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in New Brunswick, NJ

Recent trends in car insurance for New Brunswick drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for auto insurance in New Brunswick had been decreasing from 2017-2018, before increasing from 2019-2020. They finished up in 2022 at $97.

How does New Brunswick compare to neighboring areas?

Why are car insurance rates in New Brunswick different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider many factors. Where you live will also have a significant impact on your personal policy. This may include things like:

• Off-street parking access
• Area regulations
• Area crime rates
• Road safety
• Total number of drivers

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in New Brunswick?

Equipping 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.

Luckily, Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer policies in New Brunswick.

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New Brunswick Insurance FAQs

What factors affect car insurance quotes in New Brunswick?

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 age and gender, as well as your address, driving record, credit score, and marital status.

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

Things like local laws, crime rates, 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 New Brunswick?

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 New Brunswick?

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 New Brunswick 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.