Orange, NJ Car Insurance

On average, drivers in Orange pay around $146 per month for their car insurance. Learn more in our handy guide below.
How does Orange stack up to the rest of the area, or even New Jersey as a whole? What can Orange residents expect to pay for their car insurance? 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$146
NJ$107
United States$80

You can see in the chart above that it's around $39 a month more expensive to insure your vehicle in Orange than it is in the rest of New Jersey.

Similarly, Orange residents should prepare to pay higher rates for coverage than the rest of the country. It's about $66 more expensive than the national average to insure your vehicle in Orange.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Orange residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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$201
25-34$145
35-44$144
45-54$123
55-64$110
65+$115

The longer you've been on the road, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates begin to increase again once you hit retirement in Orange.

Average Car Insurance Rates by Gender

Gender Average
Male$143
Female$150

Despite the national trend of women paying less than men for insurance coverage, in Orange men actually pay $143 per month for coverage while women pay $150.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$172
Multiple Accidents$170
1 Ticket$162
Multiple Tickets$192

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Orange with a single accident on their record is about $172 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $162.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$130
2-3 Years$141
4-5 Years$156
6-7 Years$124
8-10 Years$163
11-14 Years$134
15 Years or Older$153

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 $98 per month for auto insurance.

Car owners can expect to pay an average of around $153 a month for their policy, while SUVs usually cost around $132 a month to insure.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Orange are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$145
Married$158
Divorced$131
Widowed$125

Overall, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Orange, with married couples paying about $13 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$144
Rent$143
Live with parents$218

Another factor that comes into play is your housing status. Renters can expect to pay around $1 a month less than homeowners in Orange. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

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.

Car insurance rates in Orange increased from 2016-2017, but began to decrease in 2018. This trend has continued through 2021 when rates have most recently reached $94 a month.

How does Orange compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a number of factors. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Prevalence of crime
  • Amount of drivers in the community
  • Access to off-street parking
  • General road safety (how many accidents each locality has)
  • Community regulations

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. Knowing 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 particular neighborhood.

How can I find the cheapest car insurance in Orange?

While getting familiar with 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. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage 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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

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

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Orange?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Orange?

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?

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.

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