Table of contents
How much is car insurance in Phillipsburg?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the New Jersey, coverage in Phillipsburg is about $34 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Phillipsburg is rather affordable. On average, it's about $7 less to insure your vehicle in Phillipsburg than it is in the rest of the U.S.
Although these are the average car insurance rates in Phillipsburg, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down average rates for Phillipsburg residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
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 auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Phillipsburg.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Phillipsburg, where women pay around $8 less a month. Based on the chart above, you can see that male drivers pay $78 on average, while female drivers typically pay $70 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Phillipsburg with a single accident on their record will usually see rates around $80 a month. In addition, drivers with a single ticket on their record can expect to pay around $174 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$73|
If you look at the first table above, the cheapest vehicles to insure in Phillipsburg are usually trucks and vans, at $62 per month.
Car owners, on the other hand, typically pay around $77 per month, while SUV drivers can expect to pay about $70 a month for auto insurance.
The age of your vehicle has an impact on the cost of your policy as well. 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. In Phillipsburg, the most expensive vehicles to insure are vehicles eight-to-ten years old and fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Overall, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Phillipsburg can be as much as $10 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $1 a month more than if you own your own home in Phillipsburg. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Phillipsburg, NJ
Recent trends in car insurance for Phillipsburg 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.
Car insurance rates in Phillipsburg had been increasing from 2016-2017, but began to decrease in 2020. This trend has continued through 2021 when rates have most recently reached $50.
How does Phillipsburg compare to neighboring areas?
Why are car insurance rates in Phillipsburg different from other areas?
Car insurance companies will take into account many factors when deciding how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Total number of drivers in the region
- General road safety (how many accidents each locality has)
- Crime levels
- Community laws
- Amount of off-street parking
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. With the knowledge 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 Phillipsburg?
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 can handle all of this for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage in Phillipsburg.
Phillipsburg Insurance FAQs
What factors affect car insurance quotes in Phillipsburg?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Phillipsburg different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Phillipsburg?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Phillipsburg?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Phillipsburg or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?