Table of contents
How much is car insurance in Williamstown?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Williamstown typically costs about $10 a month less than it does in the rest of New Jersey.
Compared to the national average cost of auto coverage, Williamstown has higher rates. It's around $17 more expensive for coverage in Williamstown than the average rates seen in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for drivers in Williamstown, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
Don't worry, we've done the work for you and broken down the average rates for Williamstown to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just 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 behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may creep back up a bit in Williamstown.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Williamstown, this difference shakes out to about $19 a month. As you can see in the table above, female drivers in the area typically pay $88 on average, while female drivers typically pay $107 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Williamstown, drivers with one accident on their record will experience rates around $118 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $190.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$86|
|15 Years or Older||$100|
If you look at the first table above, the cheapest vehicles to insure in Williamstown are typically trucks and vans, at $85 per month.
SUV drivers will see rates of about $95 to insure their car, while car owners usually pay around $99 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Williamstown, 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)||$101|
More often than not, married policyholders will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Williamstown is about $5 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
One other element taken into consideration is your living accommodations. Homeowners in Williamstown can expect to pay around $17 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Williamstown, NJ
Recent trends in car insurance for Williamstown drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for car insurance in Williamstown rose from 2016-2017, but began to decrease in 2020. This trend has continued through 2021 when rates have most recently reached $68 a month.
How does Williamstown compare to neighboring areas?
Why are car insurance rates in Williamstown different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Regional laws
- General road safety (how many accidents each locality has)
- Crime rates
- Total number of drivers
- Amount of off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Williamstown?
While knowing 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 does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Williamstown.
Williamstown Insurance FAQs
What factors affect car insurance quotes in Williamstown?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Williamstown different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Williamstown?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Williamstown?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Williamstown or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?