Rahway, NJ Car Insurance

The average monthly cost for car insurance in Rahway is about $102. Check out our guide below to find out how much you'll pay.
What rates can residents of Rahway expect to pay for their car insurance? Are rates in Rahway higher or lower than those in neighboring areas? How do they compare to the rest of New Jersey? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Rahway?

Area Average Monthly Car Insurance Premium
Rahway$102
NJ$107
United States$80

Based on the chart above, you can see that coverage in Rahway typically costs about $5 a month less than it does in the rest of New Jersey.

On the other hand, Rahway residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $22 more expensive to insure your vehicle in Rahway compared to the average rate for the rest of the U.S.

These rates may be the average amount residents of Rahway pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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.

But don't worry, we've broken down the average rate for Rahway 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 sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$166
25-34$97
35-44$111
45-54Not Enough Data
55-64$74
65+$89

The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates climb back up a bit in Rahway.

Average Car Insurance Rates by Gender

Gender Average
Male$102
Female$103

Female drivers pay, on average, slightly less than their male counterparts. While this isn't true in Rahway, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$133
Multiple Accidents$96
1 Ticket$180
Multiple TicketsNot Enough Data

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Rahway with a single accident will pay around $133 a month. Similarly, drivers with one ticket will typically pay around $180 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$77
2-3 Years$77
4-5 Years$88
6-7 Years$96
8-10 Years$100
11-14 Years$121
15 Years or Older$98

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Rahway, with drivers paying around $98 per month for insurance.

Truck and van drivers will see rates of about $101, while the rates for car owners average out to about $106 per month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Rahway are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$109
Married$79
Divorced$96
Widowed$69

On average, people who are married 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.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Rahway as well, where the difference is around $30 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$85
Rent$111
Live with parents$111

Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Rahway, expect to pay around $26 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Rahway, NJ

Recent trends in car insurance for Rahway drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Rahway, the rates for car insurance dropped from 2016-2018, before rising from 2019-2020. They finished down in 2021 at $84.

How does Rahway compare to neighboring areas?

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

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

  • Area laws
  • Amount of off-street parking
  • Amount of drivers in the community
  • Prevalence of crime
  • Road Safety (total number 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 cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Rahway?

Arming 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.

Good news! Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Rahway.

Compare the cheapest quotes from dozens of insurance companies

Rahway Insurance FAQs

What factors affect car insurance quotes in Rahway?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.

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

Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Rahway?

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 Rahway?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Rahway 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.

Find your best rate in just a few minutes