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How much is car insurance in North Bergen?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $21 a month more expensive to insure your vehicle in North Bergen than it is in the rest of New Jersey.
Likewise, North Bergen residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $46 cheaper than it is in North Bergen.
While these numbers represent the average monthly payments for coverage in North Bergen, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
We've analyzed the average rate for North Bergen and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in North Bergen.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In North Bergen, the difference comes out to about $6 per month. As illustrated in the table above, female drivers in the area pay about $123 on average, while male drivers pay around $129 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In North Bergen, a driving record with one accident will usually get you a rate around $148 a month. In addition, drivers with one ticket can expect to pay around $147 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$131|
|15 Years or Older||$127|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in North Bergen, with drivers paying around $114 per month for insurance coverage.
Car owners can expect to pay an average of around $132 a month for their policy, while SUVs usually cost around $121 a month to insure.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in North Bergen are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$132|
According to the table above, the difference in rates based on relationship status in North Bergen can be as much as $10 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$165|
Your living accommodations is another factor that affects your monthly rate. In North Bergen, homeowners can expect to pay around $32 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in North Bergen, NJ
Recent trends in car insurance for North Bergen 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.
In North Bergen, the rates for auto insurance dropped from 2017-2018, before steadying out in 2019. Car insurance rates decreased again, hitting a low of $103 in 2021, and finishing up at $133.
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 coverage, car insurance companies will review a variety of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Off-street parking access
- Amount of drivers in the community
- Road Safety (frequency of car accidents)
- Local crime rates
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 North Bergen?
While knowing 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. Enter 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.
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North Bergen Insurance FAQs
What factors affect car insurance quotes in North Bergen?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in North Bergen different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in North Bergen?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to North Bergen?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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.
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