Table of contents
How much is car insurance in Plainfield?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $26 a month more expensive to insure your vehicle in Plainfield than it is in the rest of New Jersey.
Similarly, the expected monthly payments for an auto insurance policy in Plainfield are above the national average. It's about $53 more expensive than the national average to insure your vehicle in Plainfield.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
Don't sweat it however, we've broken down average rates for Plainfield residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $135 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Plainfield may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in Plainfield is about $15 a month. Looking at the table above, you can see that female drivers pay around $124 on average, while male drivers typically pay $139 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Plainfield, drivers with one accident on their record will experience rates around $149 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $131.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$134|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Plainfield, with drivers paying around $115 per month for auto insurance coverage.
Truck and van drivers will see rates of about $119 for auto insurance coverage, while car owners usually pay around $142 per month.
In addition to vehicle type, you can also expect to see slightly different rates based 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 monthly premium decrease. In Plainfield, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$138|
Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Plainfield, with married couples paying about $24 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$233|
Your living situation is another factor that affects your monthly rate. In Plainfield, homeowners can expect to pay around $21 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Plainfield, NJ
Recent trends in car insurance for Plainfield drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The cost of car insurance in Plainfield dropped from 2016-2018, where it reached a low of $103, before leveling out in 2019. Since 2020, insurance rates have once again been decreasing and hit $75 in 2021.
How does Plainfield compare to neighboring areas?
Why are car insurance rates in Plainfield different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Off-street parking accessibility
- Amount of drivers in the community
- Regional laws
- Rate of car accidents
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Plainfield.
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 like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
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 crime rates, parking situations, 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?
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 Plainfield?
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?
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?