{"id":20195,"date":"2022-06-03T16:43:35","date_gmt":"2022-06-03T20:43:35","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=20195"},"modified":"2024-07-22T14:27:06","modified_gmt":"2024-07-22T18:27:06","slug":"what-are-the-average-auto-insurance-rates-in-nj","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj","title":{"rendered":"What are the average auto insurance rates In New Jersey?"},"content":{"rendered":"\n<p>Knowing the average auto insurance rates in New Jersey can help you figure out if you\u2019re getting hosed on price by your current insurer.<\/p>\n\n\n\n<p>Average rates are a great place to start, but keep in mind that your actual bill will depend on a bunch of factors that are specific to you. While it can\u2019t hurt to know average auto insurance rates there\u2019s a pretty good chance you\u2019re not going to pay an average price.\u202f<\/p>\n\n\n\n<p>It\u2019s no secret that NJ has some of the highest average car insurance rates in the country. In fact, a 2014 Insurance Information Institute study shows that New Jersey tops the list when it comes to average premium per vehicle at $1,263.67 per year.<\/p>\n\n\n\n<p>What\u2019s not reflected in the average price are features and benefits, like the superior customer service and exclusive programs offered by Plymouth Rock. You won\u2019t find other carriers offering anything like these benefits:<\/p>\n\n\n\n<ul>\n<li>Our Get Home Safe<sup>\u00ae<\/sup>&nbsp;taxi reimbursement program provides you a safe ride home when you need one.<sup>1<\/sup>&nbsp;<\/li>\n<li>Our Door to Door Valet Claim Service<sup>\u00ae<\/sup>&nbsp;takes the stress out of getting your car repaired after an accident. We\u2019ll deliver a rental car to customers with rental coverage and bring back your damaged car once it\u2019s repaired.<sup>2<\/sup>&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 style=\"margin-bottom: 0px;\">Why you probably will not pay average car insurance rates.<\/h2>\n<p>While it&#8217;s good to research average auto insurance rates, chances are that\u2019s not what you\u2019ll pay. Rates can vary substantially from person to person because auto insurance is so customizable. Here are just some of the factors that can affect the price of your policy.&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>How big is your deductible?<\/strong>&nbsp;A\u202fhigher deductible usually means a lower cost. If you are able to keep some money hidden away for emergencies, you may be able to save more by choosing a higher deductible.&nbsp;<\/li>\n<li><strong>Coverages<\/strong>. Depending on your needs, it may make sense to have more or fewer coverage. Purchasing collision and comprehensive insurance may make sense for your situation, but it will also cost more.&nbsp;<\/li>\n<li><strong>What you drive.<\/strong>&nbsp;Newer cars and luxury cars are typically more expensive to insure. Older cars will generally cost less. There are some misconceptions about car color affecting your insurance costs; you won&#8217;t pay more for a red car. Go ahead and get the color you like.&nbsp;<\/li>\n<li><strong>How you drive.<\/strong>&nbsp;Do you have a clean driving record? Accidents, speeding tickets and license suspensions will all usually equal higher insurance costs.&nbsp;<\/li>\n<li><strong>How much you drive.<\/strong>&nbsp;If you drive a lot of miles every year, you have more chance of having an accident.\u202f&nbsp;<\/li>\n<li><strong>Using a car for business.<\/strong>&nbsp;Cars that are personal-use only are typically cheaper to insure than one you drive for business.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 style=\"margin-bottom: 0px;\">Get your price now<\/h2>\n<p>The simplest way to find out how much you will pay for auto insurance is to get a quote from Plymouth Rock. It\u2019s easy and only takes a few minutes.&nbsp;<\/p>\n\n\n\n<p>Find out more information about&nbsp;<a href=\"\/insurance\/auto\/nj\/coverage-policy-options\/gap-insurance\">gap insurance<\/a>&nbsp;and&nbsp;<a href=\"\/insurance\/auto\/nj\/coverage-policy-options\/uninsured-and-underinsured-coverage\">uninsured and underinsured motorist coverage<\/a>&nbsp;available from&nbsp;Plymouth Rock. You can also learn more about&nbsp;<a href=\"\/insurance\/auto\/nj\/coverage-policy-options\/collision-insurance\">collision<\/a>&nbsp;and&nbsp;<a href=\"\/insurance\/auto\/nj\/coverage-policy-options\/comprehensive-coverage\">comprehensive<\/a>&nbsp;coverage options.&nbsp;<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<p style=\"font-size: 10px; line-height: 12px; margin-top:15px;\"><sup>1&nbsp;<\/sup>Personal auto insurance policyholders may be reimbursed up to $50 of taxi fees once per policy year for a one-way ride if they find themselves in a situation where it would be unsafe to operate their vehicle (not applicable to mechanical breakdown). Original receipt must be submitted with the reimbursement form.&nbsp;<\/p>\n\n\n\n<p style=\"font-size: 10px; line-height: 12px;\"><sup>2<\/sup>&nbsp;Door-to-Door\u00ae is available to any customer who has purchased comprehensive or collision coverage.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Knowing the average auto insurance rates in New Jersey can help you figure out if you\u2019re getting hosed on price by your current insurer. <\/p>\n","protected":false},"author":6,"featured_media":4406,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[81],"class_list":["post-20195","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-nj"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Are The Average Auto Insurance Rates In NJ?<\/title>\n<meta name=\"description\" content=\"Plymouth Rock explains what the average auto insurance rates in NJ are when you get a price and why you probably won&#039;t pay them.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What are the average auto insurance rates In New Jersey?\" \/>\n<meta property=\"og:description\" content=\"Plymouth Rock explains what the average auto insurance rates in NJ are when you get a price and why you probably won&#039;t pay them.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj\" \/>\n<meta property=\"og:site_name\" content=\"Plymouth Rock Assurance | Car Insurance and Home Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-22T18:27:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/hero-resc-auto-ins-rates-nj-640x350-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:description\" content=\"Plymouth Rock explains what the average auto insurance rates in NJ are when you get a price and why you probably won&#039;t pay them.\" \/>\n<meta name=\"twitter:site\" content=\"@plymouthrock\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj\",\"url\":\"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj\",\"name\":\"What Are The Average Auto Insurance Rates In NJ?\",\"isPartOf\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/hero-resc-auto-ins-rates-nj-640x350-1.jpg\",\"datePublished\":\"2022-06-03T20:43:35+00:00\",\"dateModified\":\"2024-07-22T18:27:06+00:00\",\"description\":\"Plymouth Rock explains what the average auto insurance rates in NJ are when you get a price and why you probably won't pay them.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj#primaryimage\",\"url\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/hero-resc-auto-ins-rates-nj-640x350-1.jpg\",\"contentUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/hero-resc-auto-ins-rates-nj-640x350-1.jpg\",\"width\":640,\"height\":350,\"caption\":\"PA Pennsylvania highway cars road river\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.plymouthrock.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Resources\",\"item\":\"https:\/\/www.plymouthrock.com\/resources\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"What are the average auto insurance rates In New Jersey?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.plymouthrock.com\/#website\",\"url\":\"https:\/\/www.plymouthrock.com\/\",\"name\":\"Plymouth Rock Assurance | Car Insurance and Home Insurance\",\"description\":\"More than just Insurance\",\"publisher\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.plymouthrock.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.plymouthrock.com\/#organization\",\"name\":\"Plymouth Rock Assurance Corporation\",\"url\":\"https:\/\/www.plymouthrock.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg\",\"contentUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg\",\"width\":\"1024\",\"height\":\"1024\",\"caption\":\"Plymouth Rock Assurance Corporation\"},\"image\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\",\"https:\/\/x.com\/plymouthrock\",\"https:\/\/www.instagram.com\/plymouthrockassurance\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What Are The Average Auto Insurance Rates In NJ?","description":"Plymouth Rock explains what the average auto insurance rates in NJ are when you get a price and why you probably won't pay them.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj","og_locale":"en_US","og_type":"article","og_title":"What are the average auto insurance rates In New Jersey?","og_description":"Plymouth Rock explains what the average auto insurance rates in NJ are when you get a price and why you probably won't pay them.","og_url":"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj","og_site_name":"Plymouth Rock Assurance | Car Insurance and Home Insurance","article_publisher":"https:\/\/www.facebook.com\/PlymouthRockAssurance\/","article_modified_time":"2024-07-22T18:27:06+00:00","og_image":[{"width":640,"height":350,"url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/hero-resc-auto-ins-rates-nj-640x350-1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_description":"Plymouth Rock explains what the average auto insurance rates in NJ are when you get a price and why you probably won't pay them.","twitter_site":"@plymouthrock","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj","url":"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj","name":"What Are The Average Auto Insurance Rates In NJ?","isPartOf":{"@id":"https:\/\/www.plymouthrock.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj#primaryimage"},"image":{"@id":"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj#primaryimage"},"thumbnailUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/hero-resc-auto-ins-rates-nj-640x350-1.jpg","datePublished":"2022-06-03T20:43:35+00:00","dateModified":"2024-07-22T18:27:06+00:00","description":"Plymouth Rock explains what the average auto insurance rates in NJ are when you get a price and why you probably won't pay them.","breadcrumb":{"@id":"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj#primaryimage","url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/hero-resc-auto-ins-rates-nj-640x350-1.jpg","contentUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/hero-resc-auto-ins-rates-nj-640x350-1.jpg","width":640,"height":350,"caption":"PA Pennsylvania highway cars road river"},{"@type":"BreadcrumbList","@id":"https:\/\/www.plymouthrock.com\/resources\/what-are-the-average-auto-insurance-rates-in-nj#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.plymouthrock.com\/"},{"@type":"ListItem","position":2,"name":"Resources","item":"https:\/\/www.plymouthrock.com\/resources"},{"@type":"ListItem","position":3,"name":"What are the average auto insurance rates In New Jersey?"}]},{"@type":"WebSite","@id":"https:\/\/www.plymouthrock.com\/#website","url":"https:\/\/www.plymouthrock.com\/","name":"Plymouth Rock Assurance | Car Insurance and Home Insurance","description":"More than just Insurance","publisher":{"@id":"https:\/\/www.plymouthrock.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.plymouthrock.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.plymouthrock.com\/#organization","name":"Plymouth Rock Assurance Corporation","url":"https:\/\/www.plymouthrock.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg","contentUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg","width":"1024","height":"1024","caption":"Plymouth Rock Assurance Corporation"},"image":{"@id":"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/PlymouthRockAssurance\/","https:\/\/x.com\/plymouthrock","https:\/\/www.instagram.com\/plymouthrockassurance"]}]}},"_links":{"self":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/20195","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources"}],"about":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/types\/resources"}],"author":[{"embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/users\/6"}],"version-history":[{"count":0,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/20195\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/media\/4406"}],"wp:attachment":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/media?parent=20195"}],"wp:term":[{"taxonomy":"products","embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/products?post=20195"},{"taxonomy":"state","embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/state?post=20195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}