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Car Insurance in Trenton, New Jersey: Everything You Need to Know

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When it comes to car insurance, Trenton, NJ, adopts no-fault laws. This means you need to file a claim with your own auto insurance provider if you get involved in an accident, regardless of whether you’re at fault. Auto insurance isn’t exactly affordable in this city, but you might get a good deal if you spend time comparison shopping. Check out this helpful guide to learn more about car insurance in Trenton.

What Are the Minimum Auto Insurance Requirements in Trenton?

All drivers in Trenton must comply with New Jersey’s minimum car insurance requirements. According to The Hartford, you need to have the following coverage limits to drive legally in the city:

  • Per-accident property damage liability: $5000
  • Per-accident bodily injury liability: $30,000
  • Individual bodily injury liability: $15,000
  • Personal injury protection: $15,000

    How Much Does Car Insurance Cost in Trenton?

    In a survey, found that Trenton drivers pay an average auto insurance premium of $106 per month. While this amount is in line with New Jersey’s average rate of $107, it’s significantly higher than the national average of $80.

    What Factors Affect Auto Insurance Rates in Trenton?

    Your auto insurance rate can be more affordable or expensive than the average cost in Trenton, depending on your personal circumstances. Car insurance providers in this city use many details to evaluate your risk of getting into an accident and making a claim, such as age, gender, driving history, and credit. The quotes you receive from insurers will be based on your risk level and the following factors.


    In general, auto insurance companies in Trenton consider older drivers to be more experienced on the road and less likely to make mistakes that result in accidents. Therefore, if you’re in your 40s, 50s, or 60s, you’ll enjoy a more favorable car insurance rate than younger drivers. In contrast, if you’re a teenager, you can expect to pay substantially more for auto insurance. As you get older, you’ll likely see your premium drop regularly until you reach retirement age, at which point your rate will start climbing again.

    The following are the average auto insurance costs for different age groups in Trenton:

    • Under 18: $283 per month
    • 18 to 24: $167 per month
    • 25 to 34: $103 per month
    • 35 to 44: $96 per month
    • 45 to 54: $88 per month
    • 55 to 64: $80 per month
    • 65 and above: $88 per month


      In most places, gender affects the cost of auto insurance. This is also the case in Trenton, where male drivers have a slightly higher average premium than their female counterparts. Here, male drivers pay an average of $110 each month for car insurance, while women pay an average of $102 per month.

      Marital Status

      On average, married drivers in Trenton pay less to insure their vehicles than single drivers. This is because many married couples have multiple cars on the same policy, which make them eligible for a discount. The average auto insurance rates in Trenton by marital status include:

      • Married: $93 per month
      • Single: $110 per month
      • Divorced: $89 per month
      • Widowed: $91 per month

        Driving Record

        Your auto insurance premium can vary greatly depending on your driving history. Having an at-fault accident or traffic ticket on your driving record can cause your car insurance cost to go up considerably. Therefore, if you want to reduce your monthly bill, you should drive carefully to keep your record clean.

        Below are the average auto insurance rates for drivers in Trenton who have previously committed one or more traffic violations or at-fault accidents:

        • One at-fault accident: $119 per month
        • Multiple at-fault accidents: $161 per month
        • One traffic ticket: $136 per month
        • Multiple traffic tickets: $170 per month

          Vehicle Type

          In Trenton, the type of vehicle you drive is another contributing factor to the price of your auto insurance policy. Typically, you’ll receive lower quotes if you drive a larger vehicle that provides better crash protection. Trenton drivers who own large SUVs, pickup trucks, or minivans pay an average of $97 per month for auto insurance, whereas car owners face an average premium of $100. Additionally, the age of your vehicle can affect your car insurance rate. In general, new vehicles are more expensive to insure than older ones.

          The average auto insurance premiums in Trenton by vehicle age include:

          • Less than one year old: $84 per month
          • 2 to 3 years old: $117 per month
          • 4 to 5 years old: $115 per month
          • 6 to 7 years old: $105 per month
          • 8 to 10 years old: $108 per month
          • 11 to 14 years old: $102 per month
          • 15 years or old: $108 per month

            What Are the Most Affordable Auto Insurance Providers in Trenton?

            To determine the cheapest auto insurance companies in Trenton, Insurify got quotes from several insurers using a sample male driver who is 30 years old, has a clean driving record, owns a 2021 Honda Accord, and opts for a $1000 deductible for minimum liability coverage. The car insurance providers that quoted the lowest rates are:

            • Progressive: $91 per month
            • Travelers: $209 per month
            • State Farm: $427 per month

              Besides comparing quotes from different insurers in Trenton, take advantage of the many car insurance discounts available to lower your premium. Examples include the:

              • Multi-car discount
              • Multi-policy discount
              • Good driver discount
              • Defensive driving discount
              • Safety device discount
              • Good student discount
              • Low mileage discount

                You can also try to raise your credit score or increase the deductible on your policy. Park in a garage, if possible, and look for cars that are cheaper to insure when shopping for your next vehicle.

                Check this out if you need additional information, resources, or guidance on car insurance.


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