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How much is car insurance in Williamstown?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Williamstown is about $10 a month cheaper than it is for the rest of New Jersey.
On the other hand, residents of Williamstown might expect to pay higher rates for coverage than the rest of the country. It's around $15 more expensive to insure your vehicle in Williamstown compared to the average rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. 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 premium.
Don't sweat it however, we've broken down average rates for Williamstown residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay $80 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may rise again in Williamstown.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Williamstown, where male drivers pay about $14 more a month. As you can see in the chart above, car insurance for women in the area typically costs around $89 each month, while men pay $103 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Williamstown, a driving record with one accident will usually get you a rate around $120 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $153.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$98|
The most affordable vehicles to insure in Williamstown are typically trucks and vans, which run about $83 per month.
SUV drivers will see rates of about $96, while the rates for car owners average out to about $100 per month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. 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)||$100|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Williamstown, the difference in rates based on relationship status can be as much as $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$123|
Your housing status is another factor that affects your monthly rate. Those who own their own home in Williamstown can expect to pay around $20 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 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 Williamstown, NJ
Recent trends in car insurance for Williamstown drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Williamstown dropped from 2017-2018, before leveling out in 2019. Insurance rates began decreasing again in 2020, and finished up in 2022, at $88.
How does Williamstown compare to neighboring areas?
Why are car insurance rates in Williamstown different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Amount of off-street parking
- Area regulations
- Rate of crime
- Road safety
- Amount of drivers in the area
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Williamstown?
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.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Williamstown.
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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 vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Williamstown different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Williamstown?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Williamstown 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.
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