Bayonne Auto Insurance Rates, Quotes, Agents & Reviews in NJ

Bayonne, NJ Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bayonne, NJ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Bayonne, NJ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Bayonne, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Bayonne, NJ with that of other cities in and around Bayonne.

Bayonne Jersey City Harrison Kearny Hudson County Newark
Average Insurance Rates $1,592 $1,714 $1,696 $1,701 $1,659 $1,650

Bayonne, NJ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Bayonne, NJ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Bayonne $1,668 $1,409
Jersey City $1,674 $1,414
Elizabeth $1,724 $1,456
Hudson County $1,564 $1,321
Newark $1,254 $1,059
Harrison $1,747 $1,476
Kearny $1,295 $1,094
Hillside $1,663 $1,405

Bayonne, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Bayonne, NJ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,166
20 Years $2,046
30 Years $1,576
40 Years $1,516
50 Years $1,404
60 Years $1,423
70 Years $1,657

Bayonne, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Bayonne, NJ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,738 $446
3 Vehicles $4,107 $669
4 Vehicles $5,476 $892

Savings on 2 Vehicles bundle:$446

Savings on 3 Vehicles bundle:$669

Savings on 4 Vehicles bundle:$892

Bayonne, NJ Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bayonne, NJ.

Location Average Insurance Cost Post DUI Insurance Rate
Bayonne $1,592 $2,727
Jersey City $1,714 $2,936
Elizabeth $1,674 $2,867
Hudson County $1,659 $2,842
Newark $1,650 $2,826
Harrison $1,696 $2,905
Kearny $1,701 $2,914
Hillside $1,659 $2,842

Bayonne, NJ Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,366
Excellent (740-799) $1,559
Good (670-739) $1,659
Average (580-669) $2,164
Poor (300-579) $2,597

Bayonne, NJ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$70 $1,662
Driver's Failure In Showing Documents +$154 $1,746
Driving With An Expired Registration +$164 $1,756
Driving At A Considerably Slow Pace +$345 $1,937
Using A Cellphone While Driving +$365 $1,957
Running A Red Light +$371 $1,963
Speeding +$390 $1,982
Driving A Vehicle Without The Required Permission +$495 $2,087
Driving With An Expired/Suspended License +$1,073 $2,665

Bayonne, NJ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,528
Active Disabling Device $1,528
Tracking Device $1,496
Passive Disabling Device $1,481

Latest Auto Insurance Reviews in Bayonne, NJ | Back to Top

I would recommend them because they have been nothing but good to me so far. There is no issue I've had so I don't know why I wouldn't recommend them.
New Jersey Manufacturers Insurance Company
it was a long time ago that i had to deal with them but it was great. I had an accident and the agent was very helpful to take care of my car and a rental.
Allstate customer service is amazing. They are easily the best customer service team in the insurance business. Their claims process is also fast and very empathetic.