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How much is car insurance in Piscataway?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Piscataway is about $22 a month cheaper than it is for the rest of New Jersey.
On the other hand, Piscataway residents will likely pay higher rates for their insurance policy than the rest of the country. You can expect to pay about $5 more for your policy in Piscataway.
While these are the average car insurance rates for Piscataway, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've broken down average rates for Piscataway to help you understand what your policy's monthly premium will cost. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the more experience you have as a driver. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates creep back up a bit in Piscataway.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Piscataway, however, men actually pay a little bit less than female drivers for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Piscataway with one accident will pay around $78 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $60.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$97|
|15 Years or Older||$77|
The cheapest vehicles to insure in Piscataway are typically trucks and vans, with each type typically costing about $70 per month.
SUV drivers will see rates of about $85 to insure their vehicle, while car owners by and large pay around $86 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. 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 Piscataway are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
Generally speaking, married policyholders will pay slightly less for car insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Piscataway reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $26 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $13 a month more than those who own their own home in Piscataway. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Piscataway, NJ
Recent trends in car insurance for Piscataway drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Piscataway, auto insurance rates had been increasing from 2016-2019, when they reached a high of $97. This trend shifted in 2020, when they began to decrease, and have continued on that path through 2021, when insurance rates hit a low of $55 per month.
How does Piscataway compare to neighboring areas?
Why are car insurance rates in Piscataway different from other areas?
Car insurance companies look at several factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:
- Total number of drivers in the area
- Off-street parking accessibility
- Regional laws
- General road safety (how many accidents each locality has)
- Rate of crime
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Piscataway?
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.
Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer coverage in Piscataway.
Piscataway Insurance FAQs
What factors affect car insurance quotes in Piscataway?
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 address, credit score, marital status, and driving record.
Why is the cost of car insurance in Piscataway different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Piscataway?
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 Piscataway?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
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 Piscataway 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.