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How much is car insurance in South Amboy?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in South Amboy are in line with rates across the rest of New Jersey.
That being said residents of South Amboy might expect to pay higher rates for coverage than the rest of the country. It's about $23 more expensive than the national average to insure your vehicle in South Amboy.
Although these are the average rates for auto insurance in South Amboy, it's important to remember that you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down the average rates for South Amboy residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to your monthly premium, 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.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may creep back up a bit in South Amboy.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In South Amboy, this difference shakes out to about $27 a month. As illustrated in the table above, female drivers in the area pay about $90 on average, while male drivers pay around $117 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in South Amboy with a single accident on their record is about $84 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $101.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|2-3 Years||Not Enough Data|
|15 Years or Older||$109|
In South Amboy, the cheapest vehicles to insure are usually SUVs, with drivers paying around $89 per month for insurance coverage.
SUV owners, on the other hand, typically pay around $89 per month, while truck and van drivers can expect to pay about $113 a month to insure their vehicle.
Your rates can also vary depending on the age of your vehicle. 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 South Amboy, the most expensive vehicles to insure are vehicles four-to-five years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$106|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in South Amboy, with married couples paying about $5 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$130|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $17 a month less than homeowners in South Amboy. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in South Amboy, NJ
Recent trends in car insurance for South Amboy drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In South Amboy, auto insurance rates declined from 2017-2018, but began to increase in 2021. This trend has continued through 2022 when rates have most recently reached $137.
How does South Amboy compare to neighboring areas?
Why are car insurance rates in South Amboy different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Area regulations
- Frequency of car accidents
- Off-street parking availability
- Amount of drivers in the region
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 South Amboy?
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 does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in South Amboy.
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South Amboy Insurance FAQs
What factors affect car insurance quotes in South Amboy?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in South Amboy 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 South Amboy?
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 South Amboy?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to South Amboy or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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