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How much is car insurance in North Brunswick?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in North Brunswick is about $10 cheaper than it is in the rest of New Jersey.
Conversely, North Brunswick residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $17 more expensive than the national average to insure your vehicle in North Brunswick.
These rates may be the average amount residents of North Brunswick pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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 the bill you'll see each month.
We've analyzed the average rate for North Brunswick and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to increase again once you hit retirement in North Brunswick.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In North Brunswick, the difference is around $5 a month. As illustrated in the table above, female drivers in the area pay about $94 on average, while male drivers pay around $99 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In North Brunswick, a driving record with one accident will usually get you a rate around $144 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $160 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$109|
|15 Years or Older||$98|
As you can see in the first table above, the cheapest vehicles to insure in North Brunswick are by and large trucks and vans, which run about $75 per month.
SUV drivers will see rates of about $94, while the rates for car owners average out to about $98 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In North Brunswick, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
More often than not, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in North Brunswick reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$131|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $24 a month more than if you own your own home in North Brunswick. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in North Brunswick, NJ
Recent trends in car insurance for North 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 cost of insurance in North Brunswick rose from 2016-2017, before leveling out in 2018. Insurance rates finished down in 2021, at $62 a month
How does North Brunswick compare to neighboring areas?
Why are car insurance rates in North Brunswick different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Off-street parking access
- Community laws
- Amount of drivers in the region
- Regional crime rates
- Road Safety (frequency of local car accidents)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in North Brunswick?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in North Brunswick in no time.
North Brunswick Insurance FAQs
What factors affect car insurance quotes in North Brunswick?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in North 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 North Brunswick?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 North Brunswick?
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 Brunswick 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.