Phillipsburg, NJ Car Insurance

How do rates in Phillipsburg measure up compared to neighboring areas, including New Jersey as a whole? What rates should residents of Phillipsburg expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Phillipsburg?

Car insurance coverage in Phillipsburg is about $34 cheaper than it is in the rest of New Jersey.

Similarly, car insurance rates in Phillipsburg are often favorable when viewed against the rest of the country. It's around $9 less to insure your vehicle compared to the average rate for the U.S. as a whole.

While these numbers are the average rates for auto insurance in Phillipsburg, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've broken down the average rates for Phillipsburg to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $49 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. Drivers in Phillipsburg may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly premiums, the difference in Phillipsburg is only about $1 a month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Phillipsburg, a driving record with one accident will usually get you a rate around $74 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $78.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

The most affordable vehicles to insure in Phillipsburg are by and large trucks and vans, which run about $60 per month.

SUV drivers will see rates of about $68, while the rates for car owners average out to about $77 per month.

Your rates can also vary depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Phillipsburg, the most expensive vehicles to insure are vehicles four-to-five years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

More often than not, people who are married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

In Phillipsburg, the difference in rates based on relationship status can be as much as $10 a month.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $4 a month more than drivers who own property in Phillipsburg. 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 average costs, depending on your insurance company.

Car Insurance Companies in Phillipsburg, NJ

Recent trends in car insurance for Phillipsburg drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

In Phillipsburg, the rates for auto insurance had been decreasing from 2017-2018, before leveling out in 2019. Car insurance rates began decreasing again in 2020, and finished up in 2022, at $112.

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 choosing how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

• Local crime rates
• Total number of drivers in the area
• Road Safety (frequency of local car accidents)
• Access to off-street parking
• Laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making 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?

Equipping 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.

But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Phillipsburg.

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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 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 Phillipsburg different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, 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 Phillipsburg?

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 Phillipsburg?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Phillipsburg or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.