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

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

Zimlon, through its research, found that car owners in Trenton, 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 Influencing the Cost of Auto Insurance in Trenton, NJ

The average cost of auto insurance in Trenton, NJ, is $1,583. It is more than the insurance price in neighboring places such as Yardley, and Morrisville. Several factors can affect the cost of auto insurance in Trenton. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.


Some of the factors that could increase the cost of auto insurance are as follows.


DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Trenton can be as high as $2,712. 

Age Group:

The cost of auto insurance depends on the age of the driver. Auto insurance is the cheapest for drivers who are in their fifties and sixties in Trenton. Teenagers are considered more risk-prone to accidents and continue to find auto insurance expensive at $5,137.

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on auto insurance costs in Trenton, NJ, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive. 

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.


This is one of the most common factors influencing the cost of auto insurance in Trenton, NJ. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,687, and it decreases to $1,425 when the deductible is $1,000.

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.

Factors that can influence the cost of car insurance in Trenton, 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.

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

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

Trenton Lower Makefield Mercerville Ewing Yardley Morrisville
Average Insurance Rates $1,583 $1,671 $1,670 $1,648 $1,575 $1,462

Trenton, 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 Trenton, 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)
Trenton $1,687 $1,425
Morrisville $1,506 $1,272
Ewing $1,110 $938
Falls $1,256 $1,061
Mercerville $1,153 $974
White Horse $1,469 $1,241
Yardley $1,487 $1,256
Lower Makefield $1,514 $1,279

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

Teenagers in Trenton, 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 $5,137
20 Years $2,034
30 Years $1,567
40 Years $1,507
50 Years $1,396
60 Years $1,415
70 Years $1,647

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

Car owners in Trenton, 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 $2,691 $475
3 Vehicles $4,037 $712
4 Vehicles $5,382 $950

Savings on 2 Vehicles bundle:$475

Savings on 3 Vehicles bundle:$712

Savings on 4 Vehicles bundle:$950

Trenton, 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 Trenton, NJ.

Location Average Insurance Cost Post DUI Insurance Rate
Trenton $1,583 $2,712
Morrisville $1,462 $2,301
Ewing $1,648 $2,823
Falls $1,496 $2,355
Mercerville $1,670 $2,861
White Horse $1,655 $2,835
Yardley $1,575 $2,479
Lower Makefield $1,671 $2,630

Trenton, 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) $1,358
Excellent (740-799) $1,550
Good (670-739) $1,650
Average (580-669) $2,152
Poor (300-579) $2,582

Trenton, 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
Steven Lambusta Allstate 4130 Quakerbridge Rd Bldg 2, Lawrenceville, 8648 (609) 799-4444
Sypek & Sandford Agency Liberty Mutual Independent 1569 PARKWAY AVE STE F-G, EWING, 8628 (609) 896-7000
Rp Bonanni Insurance Agency None 2659 Nottingham Way Hamilton, Hamilton Township, 8619 None
Romy Buerano State Farm 2204 Brunswick Pike Us Hwy 1, Lawrenceville, 8648 609-392-7555
Deswert Insurance Agency None 1400 Cedar Ln Trenton, Hamilton Township, 8610 None
Beatty & Associates Llc Travelers 1 KINGS RD, MADISON, 7940 973-377-8100
Mary Comito State Farm 340 Main St Ste 7, Madison, 07940-2363 973-377-3424
Teanice Wells-Ernest State Farm 125 S Warren St, Trenton, 08608-2303 609-989-0020
Max Safrin Agency Inc Travelers 2266 SPRINGFIIELD AVE, VAUXHALL, 7088 908-688-1133
Charles S Biggs Inc Travelers 1020 Springfield Ave , Mountainside, 7092 None

Trenton, 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 $1,653
Driver's Failure In Showing Documents +$154 $1,737
Driving With An Expired Registration +$163 $1,746
Driving At A Considerably Slow Pace +$344 $1,927
Using A Cellphone While Driving +$363 $1,946
Running A Red Light +$369 $1,952
Speeding +$388 $1,971
Driving A Vehicle Without The Required Permission +$492 $2,075
Driving With An Expired/Suspended License +$1,067 $2,650

Trenton, 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 $1,520
Active Disabling Device $1,520
Tracking Device $1,488
Passive Disabling Device $1,472

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

With auto insurance, there are so many levels of insurance. From simple liability to the full coverage, they also include personal injury which isn't included in most policties or required by most states.
State Farm
State Farm has always offered me great customer service, whether locally or nationally, whether in person, over the phone, or through email. Their representatives always get me the information.
State Farm
I have had good service from State Farm for my auto insurance. They have insured several cars for me. Luckily I have never had an accident where I had to use my insurance.
State Farm
State Farm's website isn't very easy to access or use friendly. Also, the State Farm providers (body shops for repairs, etc) are not conviently located to where I live.
Cincinnati Insurance
Excellent attention, kindness and good treatment. Since our arrival was cordial and attentive to our doubts, he gave us the best option according to our needs. Excellent
Erie Insurance
They have a 24-hour customer service number, a website with online chat availability and our insurance agent is local. Our agent can be reached by phone or email. They also have an office that is within 10 miles of our home.
I love that I can get a hold of them at any time night or day.