Table of contents
How much is car insurance in Trenton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Trenton are in line with rates across the rest of New Jersey.
Conversely, the expected monthly payments for an auto insurance policy in Trenton are above the national average. The cost of insuring a vehicle in Trenton is about $26 more expensive than the average rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Trenton, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 even your credit score depending on the circumstances.
We've broken down average rates for Trenton to help you understand what your policy's monthly premium will cost. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may climb back up in Trenton.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in average rates in Trenton totals about $8 a month. As you can see in the table above, female drivers in the area typically pay $102 on average, while female drivers typically pay $110 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Trenton, a driving record with a single accident will usually get you a rate around $119 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $136.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$84|
|15 Years or Older||$108|
According to the first table above, the cheapest vehicles to insure in Trenton are by and large SUVs, trucks, and vans, at $97 per month.
Car owners, however, pay about $110 per month for insurance coverage.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Trenton, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
On average, people who are married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Trenton is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$158|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $21 a month more than drivers who own property in Trenton. Those who live with their parents, however, can expect to pay a lot 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
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Trenton, auto insurance rates went up from 2016-2017, but began to decrease in 2018. This trend has continued through 2021 when rates have most recently reached $80.
How does Trenton compare to neighboring areas?
Why are car insurance rates in Trenton different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Community regulations
- Total drivers
- Amount of off-street parking
- Road Safety (frequency of local car accidents)
- Local crime rates
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. 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 Trenton?
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. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Trenton.
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 age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, 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, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Trenton?
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 Trenton?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Trenton 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.