Roselle, NJ Car Insurance

The average monthly cost for car insurance in Roselle is about $140. To learn more about car insurance rates in the Roselle area, read our guide below.
What rates can residents of Roselle expect to pay for their car insurance? Compared to their surrounding area, how do rates in Roselle stack up? What about against the rest of New Jersey? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Roselle?

Area Average Monthly Car Insurance Premium
Roselle$140
NJ$106
United States$81

As you can see, car insurance policies across the rest of New Jersey are about $34 a month cheaper than the rates drivers pay in Roselle.

Compared to the national average cost of auto coverage, Roselle has higher rates. You can expect to pay about $59 more for your policy in Roselle.

Keep in mind that these are the average auto insurance rates for Roselle, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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 done the heavy lifting for you and broken down the average rate for Roselle so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$222
25-34$139
35-44$98
45-54$125
55-64$123
65+$104

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up in Roselle.

Average Car Insurance Rates by Gender

Gender Average
Male$156
Female$122

In general, female drivers pay less for car insurance than their male counterparts. In Roselle, the difference comes out to about $34 a month. As illustrated in the table above, female drivers in the area pay about $122 on average, while male drivers pay around $156 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$135
Multiple Accidents$74
1 Ticket$106
Multiple Tickets$116

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Roselle with one accident will pay around $135 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $106.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$103
2-3 Years$133
4-5 Years$130
6-7 Years$178
8-10 Years$148
11-14 Years$122
15 Years or Older$155

If you look at the first table above, the cheapest vehicles to insure in Roselle are by and large SUVs, at $106 per month.

Truck and van drivers will see rates of about $133 for insurance coverage, while car owners usually pay around $150 per month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Roselle, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$146
Married$116
Divorced$142
Widowed$127

More often than not, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Roselle is no exception, with the difference totaling to around $30 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$126
Rent$146
Live with parents$136

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $20 a month more than drivers who own property in Roselle. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Roselle, NJ

Recent trends in car insurance for Roselle drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The rates for auto insurance in Roselle decreased from 2017-2019, before leveling out in 2020. They finished up in 2022, at $126 a month

How does Roselle compare to neighboring areas?

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

Car insurance companies will take into account several factors when deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Off-street parking availability
  • Crime levels
  • Amount of drivers in the community
  • Number of car accidents
  • Area regulations

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Roselle?

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.

Don't worry, Compare.com can handle all of this for you. Put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Roselle.

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Roselle Insurance FAQs

What factors affect car insurance quotes in Roselle?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Roselle 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, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

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 Roselle?

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?

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 Roselle 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?

Find your best rate in just a few minutes