Somerset, NJ Car Insurance

The average monthly cost for car insurance in Somerset is about $87. We cover plan rates, policies and more in our guide below.
How much can residents of Somerset expect to pay for their car insurance? Are rates in Somerset higher or lower than those in neighboring areas? How do they compare to the rest of New Jersey? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Somerset?

Area Average Monthly Car Insurance Premium
Somerset$87
NJ$107
United States$80

Looking at the chart above, you can see it's around $20 a month cheaper to insure your vehicle in Somerset than it is in the rest of New Jersey.

Drivers relocating the Somerset should take note of the differences in average rates. The average monthly payment in Somerset is about $7 more expensive than the rate for the rest of the U.S.

While these are the average car insurance rates for Somerset, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 Somerset 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, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$133
25-34$80
35-44$68
45-54Not Enough Data
55-64$64
65+$68

The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay significantly more than 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 age your rates may begin to increase again in Somerset.

Average Car Insurance Rates by Gender

Gender Average
Male$91
Female$76

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Somerset, this difference shakes out to about $15 per month. Based on the chart above, you can see that female drivers pay around $76 on average, while male drivers typically pay $91 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$159
1 Ticket$82
Multiple Tickets$109

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. In Somerset, drivers with one accident on their record will experience rates around $87 a month. In addition, drivers with a single ticket on their record can expect to pay around $82 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. 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$82
2-3 Years$75
4-5 Years$74
6-7 Years$72
8-10 Years$91
11-14 Years$99
15 Years or Older$83

The cheapest vehicles to insure in Somerset are typically trucks and vans, with each type typically costing about $70 per month.

SUV drivers will see rates of about $80, while the rates for car owners average out to about $90 a month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Somerset, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$92
Married$69
Divorced$78
Widowed$71

On average, those who are currently married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Somerset can be as much as $23 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$81
Rent$81
Live with parents$113

Your living situation is another factor that affects your monthly rate. The average rates for both homeowners and renters in Somerset are around $81 per month.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Somerset, NJ

Recent trends in car insurance for Somerset drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Somerset declined from 2016-2018, before steadying out in 2019. They dropped again recently, hitting a low of $63 in 2021.

How does Somerset compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Area regulations
  • Number of drivers in the area
  • Regional crime rates
  • Number of car accidents
  • Access to off-street parking

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Somerset?

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 wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Somerset.

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Somerset Insurance FAQs

What factors affect car insurance quotes in Somerset?

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

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

Things like parking situations, crime rates, and local laws, 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 Somerset?

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 Somerset?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Somerset or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes