Somerset, NJ Car Insurance

On average, drivers in Somerset pay around $89 per month for their car insurance. To find out more check out our guide below.
How does Somerset compare to the surrounding area and the rest of New Jersey? What can Somerset residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Somerset?

Area Average Monthly Car Insurance Premium
Somerset$89
NJ$106
United States$81

Based on the above chart, auto insurance policies in Somerset are about $17 a month cheaper than in the rest of New Jersey.

On the other hand, residents of Somerset might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $8 more for your policy in Somerset.

While these numbers represent the average monthly payments for coverage in Somerset, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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 payment amount.

Don't sweat it however, we've broken down average rates for Somerset residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, 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$137
25-34$79
35-44$69
45-54Not Enough Data
55-64$64
65+$68

The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates rise again in Somerset.

Average Car Insurance Rates by Gender

Gender Average
Male$94
Female$77

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Somerset, male drivers pay about $17 more per month. As illustrated in the table above, female drivers in the area pay about $77 on average, while male drivers pay around $94 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$85
Multiple Accidents$159
1 Ticket$82
Multiple Tickets$118

Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay much less than those with infractions. In Somerset, drivers with one accident on their record will experience rates around $85 a month. In addition, drivers with a single ticket on their record can expect to pay around $82 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

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$71
8-10 Years$89
11-14 Years$108
15 Years or Older$81

According to the first table above, the cheapest vehicles to insure in Somerset are typically trucks and vans, at $78 per month.

Car owners will see a monthly rate of about $93, while SUV owners by and large pay around $79 a month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to 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)$95
Married$68
Divorced$76
Widowed$71

More often than not, married policyholders will pay slightly less for auto 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, single drivers usually pay more than married couples do for auto insurance. Somerset follows that pattern, with the difference totaling to around $27 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$86
Live with parents$113

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Somerset. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies 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.

The cost of car insurance in Somerset declined from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $89 per month

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 a lot of factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:

  • General road safety (how many accidents each locality has)
  • Area regulations
  • Amount of off-street parking
  • Crime
  • Total number of drivers in the community

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Somerset?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage 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, driving record, marital status, and address.

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

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

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 Somerset?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Somerset or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes