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How much is car insurance in Vineland?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Vineland are about the same as what you would pay anywhere else in New Jersey.
Vineland residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $27 more expensive to insure your vehicle in Vineland compared to the average rate for the rest of the U.S.
These may be the average auto insurance rates for Vineland, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your policy's monthly price 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 Vineland residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $92 more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Vineland may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This rings true in Vineland, where women pay around $4 less per month than men. Based on the chart above, you can see that male drivers pay $109 on average, while female drivers typically pay $105 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Vineland, drivers with one accident on their record will experience rates around $115 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $138 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$109|
|15 Years or Older||$103|
In Vineland, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $92 per month for auto insurance coverage.
SUV drivers will see rates of about $94, while the rates for car owners average out to about $112 a month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Vineland, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$109|
On average, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Vineland, the difference in rates based on relationship status can be as much as $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $16 a month more than homeowners in Vineland. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Vineland, NJ
Recent trends in car insurance for Vineland drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Vineland, the rates for car insurance had been decreasing from 2016-2018, before leveling out in 2019. Car insurance rates have been decreasing again recently, and were down to $84 in 2021.
How does Vineland compare to neighboring areas?
Why are car insurance rates in Vineland different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out 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:
- Rate of car accidents
- Regional crime rates
- Access to off-street parking
- Number of drivers in the area
- Area laws
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Vineland?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Vineland in no time.
Vineland Insurance FAQs
What factors affect car insurance quotes in Vineland?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Vineland different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Vineland?
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 Vineland?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Vineland 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.