Orange, NJ Car Insurance

On average, Orange drivers pay a monthly average rate of around $145 for their car insurance. Check out our guide below to find out how much you'll pay.
How much can residents of Orange expect to pay for their car insurance? Are rates in Orange higher or lower than those in neighboring areas? How do they compare to the rest of New Jersey? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Orange?

Area Average Monthly Car Insurance Premium
Orange$145
NJ$106
United States$81

Car insurance policies across the rest of New Jersey are about $39 a month cheaper than the rates drivers pay in Orange.

Similarly, the expected monthly payments for an auto insurance policy in Orange are above the national average. You can expect to pay about $64 more for your policy in Orange.

While these are the average car insurance rates for Orange, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

But don't worry, we've broken down the average rate for Orange residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$202
25-34$144
35-44$145
45-54$122
55-64$108
65+$105

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $97 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement in Orange.

Average Car Insurance Rates by Gender

Gender Average
Male$142
Female$149

Despite the national trend of women paying less than men for car insurance, in Orange men actually pay $142 per month for coverage while women pay $149.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$166
Multiple Accidents$170
1 Ticket$190
Multiple Tickets$162

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Orange with a single accident on their record is about $166 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $190 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$140
2-3 Years$134
4-5 Years$156
6-7 Years$120
8-10 Years$159
11-14 Years$136
15 Years or Older$151

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Orange, with drivers paying around $107 per month for auto insurance.

Car owners can expect to pay an average of around $154 a month for their policy, while SUVs usually cost around $129 a month to insure.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Orange, 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)$144
Married$155
Divorced$131
Widowed$125

Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

The difference in rates based on relationship status in Orange is about $11 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$140
Rent$143
Live with parents$210

Another factor that comes into play is your housing situation. If you rent your home or apartment in Orange, expect to pay around $3 a month more than if you own property. But if you live with your parents, you 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 average costs.

Car Insurance Companies in Orange, NJ

Recent trends in car insurance for Orange drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

Rates in Orange decreased steadily from 2017-2021. They finished up in 2022, at $204 a month

How does Orange compare to neighboring areas?

Why are car insurance rates in Orange different from other areas?

Car insurance companies look at a variety of factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Area crime rates
  • Availability of off-street parking
  • Local laws
  • Total number of drivers in the area
  • Road safety

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. 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 Orange?

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 does all of that work for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Orange.

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Orange Insurance FAQs

What factors affect car insurance quotes in Orange?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

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

Crime rates, parking situations, and local laws -- 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 Orange?

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 Orange?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Orange or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes