Princeton, NJ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Princeton, 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.
5 Best Car Insurance Companies in Princeton, NJ
The average cost of car insurance in Princeton, NJ, is $1,285. This cost is lower than most nearby locations like Plainsboro, East Rocky Hill, Kingston, Princeton Junction, and Blawenburg. Zimlon, through its research, identified the five best car insurance companies in Princeton, NJ, that provide the lowest car insurance rates. However, your car insurance cost may vary depending on various other factors. Below is a list of the best auto insurance companies in Princeton, NJ.
GEICO:
GEICO is in the first spot with a massive 1,740,325 direct premiums written, and 1,705,41 direct premiums earned. Moreover, the company holds a market share of 21.79 % in New Jersey. For car owners in Princeton, NJ, Geico’s car insurance costs can vary depending on various factors like the age of the driver, annual mileage, coverage type, driver’s credit scores, and driving record.
NJM:
The New Jersey Manufacturers Group is in the second position, with 1,046,719 direct premiums written and 1,022,545 direct premiums earned. The market share of the New Jersey Manufacturers Group in New Jersey is 13.10 %. This company also offers all the usual coverages, including liability, other state-required coverage types, comprehensive and collision, as well as roadside assistance.
PROGRESSIVE:
The Progressive insurance provider is in the third position with 926,295 direct premiums written and 908,643 direct premiums earned. The market share of Progressive in New Jersey is 11.60 %. Progressive offers useful discounts such as Snapshot, a program that can save drivers an average of $130. For residents of Princeton, NJ, Progressive company’s insurance costs will depend on several factors like how much coverage you choose to buy, your age, where you live, and your driving record.
ALLSTATE:
Allstate insurance company is in the fourth position with 836,903 direct premiums written and 835,390 direct premiums earned. The market share of Allstate in New Jersey is 10.48 %. Allstate considers several variables like the vehicle you're insuring, your age, the amount of insurance purchased, and your driving record before or quoting the insurance cost. However, residents of Princeton, NJ, can get a 15% discount with Allstates car insurance if you buy a brand-new car, and you’re its first owner. Allstate also provides special coverage for classic cars and for those who drive for ride-sharing companies such as Uber and Lyft.
PLYMOUTH ROCK:
Plymouth Rock stands in the fifth position with 620,745 direct premiums written and 614,407 direct premiums earned. The market share of Plymouth Rock in New Jersey is 7.77 %. Palisades’s car insurance costs can vary depending on various factors like the age of the driver, driver’s credit scores, and driving record.
Factors that can influence the cost of car insurance in Princeton, 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.
- Princeton, NJ Auto Insurance Rates
- Princeton, NJ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Princeton, NJ
- Multi Vehicle Insurance Savings in Princeton, NJ
- How Credit Score Affects Car Insurance Rates in Princeton, NJ
- How DUI Affects Auto Insurance Premiums in Princeton, NJ
- Top Auto Insurance Agents Near Princeton, NJ
- How Driving Violations Affect Auto Insurance Rates in Princeton, NJ
- Princeton, NJ Auto Insurance Discounts on Anti Theft Feature
Princeton, NJ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Princeton, NJ with that of other cities in and around Princeton.
| Princeton | Plainsboro | East Rocky Hill | Kingston | Princeton Junction | Blawenburg | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,285 | $1,780 | $1,742 | $1,693 | $1,806 | $2,079 |
Princeton, 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 Princeton, 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) |
|---|---|---|
| Princeton | $1,321 | $1,116 |
| Rocky Hill | $1,927 | $1,628 |
| Princeton Junction | $1,156 | $976 |
| Blawenburg | $2,217 | $1,872 |
| Kingston | $1,656 | $1,399 |
| Plainsboro Center | $1,927 | $1,628 |
| Plainsboro | $1,833 | $1,549 |
| East Rocky Hill | $1,935 | $1,635 |
Princeton, NJ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Princeton, 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 | $4,170 |
| 20 Years | $1,651 |
| 30 Years | $1,272 |
| 40 Years | $1,224 |
| 50 Years | $1,133 |
| 60 Years | $1,149 |
| 70 Years | $1,337 |
Princeton, NJ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Princeton, 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 | $2,262 | $308 |
| 3 Vehicles | $3,392 | $463 |
| 4 Vehicles | $4,523 | $617 |
Savings on 2 Vehicles bundle:$308
Savings on 3 Vehicles bundle:$463
Savings on 4 Vehicles bundle:$617
Princeton, 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 Princeton, NJ.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Princeton | $1,285 | $2,201 |
| Rocky Hill | $1,789 | $3,064 |
| Princeton Junction | $1,806 | $3,094 |
| Blawenburg | $2,079 | $3,561 |
| Kingston | $1,693 | $2,900 |
| Plainsboro Center | $1,732 | $2,967 |
| Plainsboro | $1,780 | $3,049 |
| East Rocky Hill | $1,742 | $2,984 |
Princeton, 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) | $1,103 |
| Excellent (740-799) | $1,258 |
| Good (670-739) | $1,339 |
| Average (580-669) | $1,747 |
| Poor (300-579) | $2,096 |
Princeton, NJ Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Arianny Peralta | Liberty Mutual | 200 Cottontail Lane Suite A101W, Somerset, 8873 | 1-732-563-6800 |
| Borden Perlman Salisbury & Kelly | Liberty Mutual Independent | 250 PHILLIPS BLVD STE 280, EWING, 8618 | (609) 896-3434 |
| Kevin Baez | State Farm | 1325 Route 206 Ste 19, Skillman, 08558-1922 | 609-497-9777 |
| Romy Buerano | State Farm | 2204 Brunswick Pike Us Hwy 1, Lawrenceville, 8648 | 609-392-7555 |
| Fran Martillotti | State Farm | 3386 Quakerbridge Rd, Hamilton, 08619-4103 | 609-586-0091 |
| Auletta Agency | None | 2910 Princeton Pike Lawrenceville, Lawrence Township, 8648 | (609) 964-0549 |
| F M Christiano Ins Agency Inc | Travelers | 299 MARKET ST STE 120, SADDLE BROOK, 7663 | 201-587-9014 |
| Business Service Agency | None | 376 Hamburg Turnpike 2Nd Floor, Wayne, 7470 | (973) 968-5547 |
Princeton, 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 | +$57 | $1,342 |
| Driver's Failure In Showing Documents | +$125 | $1,410 |
| Driving With An Expired Registration | +$132 | $1,417 |
| Driving At A Considerably Slow Pace | +$279 | $1,564 |
| Using A Cellphone While Driving | +$294 | $1,579 |
| Running A Red Light | +$299 | $1,584 |
| Speeding | +$315 | $1,600 |
| Driving A Vehicle Without The Required Permission | +$400 | $1,685 |
| Driving With An Expired/Suspended License | +$866 | $2,151 |
Princeton, 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 | $1,234 |
| Active Disabling Device | $1,234 |
| Tracking Device | $1,208 |
| Passive Disabling Device | $1,195 |