Trenton, NJ Car Insurance

On average, Trenton drivers pay around $106 a month for their car insurance. For more information refer to our guide below.
Are rates in Trenton higher or lower than those in neighboring areas? How do they compare to the rest of New Jersey? What rates should residents of Trenton expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Trenton?

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

Based on the chart above, you can see that the costs for coverage in Trenton are in line with rates across the rest of New Jersey.

The average cost of insuring your vehicle in Trenton is above the national rate. It's about $25 more expensive than the national average to insure your vehicle in Trenton.

While these are the average car insurance rates for Trenton, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Trenton and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$283
18-24$165
25-34$103
35-44$103
45-54Not Enough Data
55-64$80
65+$85

Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $80 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may rise again in Trenton.

Average Car Insurance Rates by Gender

Gender Average
Male$108
Female$104

Female drivers pay, on average, slightly less than their male counterparts. This rings true in Trenton, where women pay around $4 less per month than men. Based on the chart above, you can see that female drivers pay around $104 on average, while male drivers typically pay $108 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$119
Multiple Accidents$163
1 Ticket$125
Multiple Tickets$148

Rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Trenton, having a single accident on your record will usually get you rates around $119 a month. In addition, drivers with one ticket can expect to pay around $125 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$84
2-3 Years$113
4-5 Years$115
6-7 Years$108
8-10 Years$107
11-14 Years$102
15 Years or Older$108

According to the first table above, the cheapest vehicles to insure in Trenton are usually trucks and vans, at $96 per month.

SUV drivers will see rates of about $102 for car insurance coverage, while car owners typically pay around $109 per month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In Trenton, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$111
Married$91
Divorced$89
Widowed$88

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Trenton, with married couples paying about $20 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$84
Rent$107
Live with parents$157

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Trenton, expect to pay around $23 a month more than if you own property. 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 overall costs, depending on your insurance company.

Car Insurance Companies in Trenton, NJ

Recent trends in car insurance for Trenton 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 shopping for coverage.

The cost of car insurance in Trenton had been decreasing steadily from 2017-2021. It finished up in 2022, at $142 a month

How does Trenton compare to neighboring areas?

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

There are several 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 call home. These include things like:

  • Off-street parking accessibility
  • Area crime rates
  • Regional laws
  • Total number of drivers
  • Number of car accidents

Having an awareness of these factors is critical 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 Trenton?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering plans in Trenton.

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Trenton Insurance FAQs

What factors affect car insurance quotes in Trenton?

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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

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 Trenton?

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. 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 Trenton 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