West Orange, NJ Car Insurance

How does West Orange stack up to the rest of the area, or even New Jersey as a whole? What should residents of West Orange expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in West Orange?

Based on the above chart, auto insurance policies in West Orange are about $12 a month cheaper than 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. You can expect to pay about $13 more for your policy in West Orange.

These rates may be the average amount drivers in West Orange pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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.

Don't sweat it however, we've broken down average rates for West Orange residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Generally, the older you are the more experienced you are behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $68 more than someone who is retirement aged.

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

Average Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in West Orange is about $7 a month. Based on the chart above, you can see that male drivers pay $98 on average, while female drivers typically pay $91 each month.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in West Orange with a single accident will pay around $89 a month. Likewise, drivers with one ticket will be looking at a rate of around $101 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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

The cheapest vehicles to insure in West Orange are by and large trucks and vans, with each type typically costing about $78 per month.

Car owners will see a monthly rate of about $98, while SUV owners typically pay around $92 per month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in West Orange are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Overall, those who are currently married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The cost of auto insurance in West Orange reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $4 a month.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing situation. Drivers who own property in West Orange can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 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 deciding on where to shop.

In West Orange, car insurance rates decreased from 2017-2018, before leveling out in 2019. Rates began decreasing again in 2020, and finished up in 2022, at $85.

How does West Orange compare to neighboring areas?

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

Car insurance companies will take into account many factors when deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

• Total number of drivers
• Community regulations
• Area crime rates
• Off-street parking access
• Road safety

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. 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 West Orange?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the 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?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

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

Local laws, parking situations, and crime rates -- 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 West Orange?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to West Orange?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 West Orange 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.