Table of contents
How much is car insurance in North Bergen?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $23 a month more expensive to insure your vehicle in North Bergen than it is in the rest of New Jersey.
Likewise, North Bergen residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $50 more for coverage in North Bergen than in the rest of the U.S.
While these are the average car insurance rates for North Bergen, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rates for North Bergen residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just 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 more experience you have as a driver. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $104 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in North Bergen.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In North Bergen, male drivers pay about $11 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $123 each month, while men pay $134 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in North Bergen with one accident will pay around $150 a month. Likewise, drivers with one ticket will be looking at a rate of around $149 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$135|
The cheapest vehicles to insure in North Bergen are usually trucks and vans, with each type typically costing about $118 per month.
Car owners will see a monthly premium of about $133, while SUV owners by and large pay around $127 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In North Bergen, vehicles fifteen years and older and 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)||$134|
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for North Bergen as well, where the difference is around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$170|
Your housing status is another component of how insurance companies calculate your monthly rate. In North Bergen, homeowners can expect to pay around $34 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot 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 North Bergen, NJ
Recent trends in car insurance for North Bergen drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In North Bergen, auto insurance rates rose from 2016-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $96 per month.
How does North Bergen compare to neighboring areas?
Why are car insurance rates in North Bergen different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Crime levels
- Road Safety (total number of local car accidents)
- Number of drivers in the area
- Off-street parking access
- Area 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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in North Bergen?
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. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in North Bergen in no time.
North Bergen Insurance FAQs
What factors affect car insurance quotes in North Bergen?
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, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in North Bergen different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in North Bergen?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to North Bergen?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to North Bergen or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.