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How much is car insurance in Perth Amboy?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Perth Amboy will typically run you about $40 a month more than in the rest of New Jersey.
Similarly, the expected monthly payments for an auto insurance policy in Perth Amboy are above the national average. It's about $65 more expensive for coverage in Perth Amboy than the average rates for the U.S. as a whole.
Bear in mind that while these rates are the average costs for Perth Amboy drivers, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've analyzed the average rate for Perth Amboy and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates rise again in Perth Amboy.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Perth Amboy, male drivers pay about $11 more a month. As you can see in the table above, female drivers in the area typically pay $139 on average, while female drivers typically pay $150 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Perth Amboy 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 $152.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$141|
|15 Years or Older||$151|
The most affordable vehicles to insure in Perth Amboy are by and large trucks and vans, which run about $118 per month.
Car owners will see a monthly rate of about $155, while SUV owners typically pay around $131 per month.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Perth Amboy, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$155|
Generally speaking, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Perth Amboy is no exception, with the difference totaling to around $37 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$215|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $35 a month more than those who own their own home in Perth Amboy. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Perth Amboy, NJ
Recent trends in car insurance for Perth Amboy drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for car insurance in Perth Amboy went up from from 2017-2018, when they reached a high of $173. This leveled out in 2019, when insurance rates began to decrease. They hit a low of $128 in 2021, and finished up in 2022, at $160.
How does Perth Amboy compare to neighboring areas?
Why are car insurance rates in Perth Amboy different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (frequency of local car accidents)
- Access to off-street parking
- Total number of drivers
- Regional laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Perth Amboy?
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.
But wait! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Perth Amboy in no time.
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Perth Amboy Insurance FAQs
What factors affect car insurance quotes in Perth Amboy?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Perth Amboy different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Perth Amboy?
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 Perth Amboy?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Perth Amboy or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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