Plainfield, NJ Car Insurance

Drivers in Plainfield pay, on average, $130 a month for their car insurance. To find out more check out our guide below.
What can Plainfield residents expect to pay for their car insurance? How do rates in Plainfield measure up compared to neighboring areas, including New Jersey as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Plainfield?

Area Average Monthly Car Insurance Premium
Plainfield$130
NJ$106
United States$81

Auto insurance policies in Plainfield are about $24 a month more expensive than the rest of New Jersey.

Likewise, drivers in Plainfield may pay higher rates than the rest of the country. The average monthly payment in Plainfield is about $49 more expensive than the rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Plainfield, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Plainfield residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$231
25-34$117
35-44$120
45-54Not Enough Data
55-64$108
65+$100

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may begin to increase again in Plainfield.

Average Car Insurance Rates by Gender

Gender Average
Male$134
Female$123

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Plainfield, male drivers pay about $11 more per month. Based on the chart above, you can see that female drivers pay around $123 on average, while male drivers typically pay $134 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$148
Multiple Accidents$178
1 Ticket$135
Multiple Tickets$157

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Plainfield with a single accident on their record will usually see rates around $148 a month. In addition, drivers with one ticket can expect to pay around $135 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$108
2-3 Years$130
4-5 Years$124
6-7 Years$130
8-10 Years$118
11-14 Years$140
15 Years or Older$129

If you look at the first table above, the cheapest vehicles to insure in Plainfield are typically SUVs, at $112 per month.

Truck and van drivers will see rates of about $116, while the rates for car owners average out to about $139 a month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Plainfield are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$134
Married$113
Divorced$112
Widowed$99

Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Plainfield reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$108
Rent$129
Live with parents$228

One other element taken into consideration is your housing status. In Plainfield, homeowners can expect to pay around $21 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Plainfield, NJ

Recent trends in car insurance for Plainfield 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 choosing your car insurance policy.

The rates for auto insurance in Plainfield decreased from 2017-2018 -- where they hit a low of $103 -- before steadying out in 2019. Policy premiums decreased again in 2020, and finished up at $123 in 2022.

How does Plainfield compare to neighboring areas?

Why are car insurance rates in Plainfield different from other areas?

Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Amount of drivers in the community
  • Crime rates
  • Availability of off-street parking
  • Laws
  • Road Safety (frequency of local car accidents)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Plainfield?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Plainfield.

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Plainfield Insurance FAQs

What factors affect car insurance quotes in Plainfield?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Plainfield different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, 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 Plainfield?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Plainfield?

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. 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 Plainfield 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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