West Orange, NJ Car Insurance

On average, drivers in West Orange pay around $97 per month for their car insurance. To learn more about car insurance rates in the West Orange area, read our guide below.
What rates can residents of West Orange expect to pay for their car insurance? How does West Orange compare to the surrounding area and the rest of New Jersey? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in West Orange?

Area Average Monthly Car Insurance Premium
West Orange$97
NJ$107
United States$80

Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in West Orange than it is in the rest of New Jersey.

If you're considering relocating to West Orange from out of state, you may want to budget a little extra for your insurance. The cost of insuring a vehicle in West Orange is about $17 more expensive than the average rate for the rest of the U.S.

Although these are the average rates for auto insurance in West Orange, 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 bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But worry not, we've done the heavy lifting and broken down the average rate for West Orange to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$151
25-34$84
35-44$92
45-54$92
55-64$72
65+$91

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $60 more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in West Orange may see their rates climb back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$102
Female$92

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in West Orange is about $10 a month. As illustrated in the table above, male drivers in the area pay about $102 on average, while female drivers pay around $92 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$99
Multiple Accidents$95
1 TicketNot Enough Data
Multiple Tickets$105

Rates can vary wildly depending on your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in West Orange with one accident will pay around $99 a month.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$75
2-3 Years$83
4-5 Years$84
6-7 Years$95
8-10 Years$102
11-14 Years$94
15 Years or Older$103

In terms of affordable coverage, the cheapest vehicles to insure in West Orange are usually trucks and vans, at $88 per month.

SUV drivers will see rates of about $92, while the rates for car owners average out to about $99 per month.

You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is around 5 years old. In West Orange, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$97
Married$95
Divorced$96
Widowed$126

Generally speaking, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in West Orange are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$90
Rent$96
Live with parents$160

Another factor that comes into play is your living accommodations. If you rent your home or apartment in West Orange, expect to pay around $6 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in West Orange, NJ

Recent trends in car insurance for West Orange drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

Auto insurance rates in West Orange dropped from 2016-2018, before leveling out in 2019. Rates have been decreasing again recently, and were down to $76 in 2021.

How does West Orange compare to neighboring areas?

Why are car insurance rates in West Orange different from other areas?

Car insurance companies take in a variety of factors when deciding how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Access to off-street parking
  • Rate of crime
  • Rate of car accidents
  • Total number of drivers in the community
  • Community 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 West Orange?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, 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 type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in West Orange.

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West Orange Insurance FAQs

What factors affect car insurance quotes in West Orange?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.

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

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

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 West Orange?

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?

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 West Orange 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