Table of contents
How much is car insurance in Roselle?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $37 a month more expensive to insure your vehicle in Roselle than it is in the rest of New Jersey.
Compared to the national average cost of auto coverage, Roselle has higher rates. The average monthly payment in Roselle is about $64 more expensive than the rate for the rest of the U.S.
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. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Roselle residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may begin to increase again in Roselle.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Roselle, the difference is around $38 per month. As you can see in the chart above, car insurance for women in the area typically costs around $123 each month, while men pay $161 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Roselle with a single accident will pay around $137 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $134.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$161|
According to the first table above, SUVs are usually the cheapest vehicles to insure in Roselle, with drivers paying around $111 per month for insurance.
Car owners, on the other hand, typically pay around $152 a month, while truck and van drivers can expect to pay about $133 per month for car insurance coverage.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Roselle are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$150|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
According to the table above, the difference in rates based on relationship status in Roselle can be as much as $32 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$155|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $19 a month more than if you own your own home in Roselle. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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 choosing when and where to shop.
The cost of auto insurance in Roselle had been decreasing from 2016-2019, before steadying out in 2020. Rates finished down in 2021, at $77 a month
How does Roselle compare to neighboring areas?
Why are car insurance rates in Roselle different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking accessibility
- Number of drivers in the area
- Road Safety (total number of local car accidents)
- Area laws
- Crime rates
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Roselle?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Roselle.
Roselle Insurance FAQs
What factors affect car insurance quotes in Roselle?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Roselle different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Roselle?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Roselle?
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?
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 Roselle 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.