Table of contents
How much is car insurance in Willingboro?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Willingboro are about $4 a month more expensive than the rest of New Jersey.
Similarly, drivers in Willingboro may pay higher rates than the rest of the country. Coverage in Willingboro is about $31 more expensive than it is for the rest of the U.S.
While these are the average costs to insure your vehicle in Willingboro, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Willingboro residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates climb back up in Willingboro.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Willingboro, where female drivers pay around $121 per month while male drivers pay about $99.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay much less than those with accidents or violations. In Willingboro, a driving record with a single accident will usually get you a rate around $140 a month. In addition, drivers with a single ticket on their record can expect to pay around $201 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$106|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Willingboro, with drivers paying around $98 per month for insurance coverage.
Car owners, on the other hand, usually pay around $114 a month, while truck and van drivers can expect to pay about $104 per month to insure their car.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Willingboro are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$115|
Overall, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Willingboro, with married couples paying about $4 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$204|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $12 a month more than those who own their own home in Willingboro. 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 costs.
Car Insurance Companies in Willingboro, NJ
Recent trends in car insurance for Willingboro drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
In Willingboro, auto insurance rates rose from 2016-2017, before declining from 2018-2020. They finished up in 2021, at $100.
How does Willingboro compare to neighboring areas?
Why are car insurance rates in Willingboro different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Availability of off-street parking
- Local regulations
- Crime levels
- Rate of car accidents
- Number of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Willingboro?
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 hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Willingboro.
Willingboro Insurance FAQs
What factors affect car insurance quotes in Willingboro?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Willingboro 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 Willingboro?
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 Willingboro?
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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Willingboro or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?