Table of contents
How much is car insurance in Perth Amboy?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Perth Amboy is about $38 a month more expensive than the rest of New Jersey.
Similarly, Perth Amboy residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $65 more expensive for coverage in Perth Amboy than the average rates seen in the rest of the U.S.
While these are the average car insurance rates for Perth Amboy, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down average rates for Perth Amboy residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Perth Amboy may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Perth Amboy, male drivers pay about $6 more a month. Based on the chart above, you can see that female drivers pay around $142 on average, while male drivers typically pay $148 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Perth Amboy, drivers with one accident on their record will experience rates around $175 a month. In addition, drivers with a single ticket on their record can expect to pay around $152 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$141|
|15 Years or Older||$146|
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 Perth Amboy, with drivers paying around $121 per month to insure their vehicle.
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.
You may also see different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Perth Amboy are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$154|
On average, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
According to the table above, the difference in rates based on relationship status in Perth Amboy can be as much as $32 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$248|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $35 a month more than homeowners in Perth Amboy. But those who live at home with their parents can expect to pay significantly more.
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 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 shopping for coverage.
The rates for auto insurance in Perth Amboy rose from 2016-2018, when they reached a high of $173. This trend changed in 2019, when they began to decrease, and have continued moving in that direction through the present, when insurance rates hit a low of $115 per month.
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. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Frequency of car accidents
- Prevalence of crime
- Access to off-street parking
- Total number of drivers in the area
- 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. 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 Perth Amboy?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Perth Amboy.
Perth Amboy Insurance FAQs
What factors affect car insurance quotes in Perth Amboy?
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 year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Perth Amboy different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Perth Amboy?
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 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Perth Amboy or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.