Woodbridge, NJ Car Insurance

How much does auto insurance cost in Woodbridge?


The average car insurance rate in Woodbridge, New Jersey, is $1,669 per year. That's more expensive than the average across New Jersey ($1,592) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Woodbridge.


AUTO INSURANCE: WOODBRIDGE RATES VS. STATE + NATIONAL AVERAGES
Woodbridge Average (per year)New Jersey AverageNational Average
$1,669$1,592$1,548

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Woodbridge car insurance rates by insurer


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, New Jersey Manufacturers offers Woodbridge's most affordable premiums. We've gathered the best cheap car insurance companies in Woodbridge below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


WOODBRIDGE AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Yearly Rate
New Jersey Manufacturers$1,264
GEICO$1,423
Travelers$1,725
Palisades$1,733
Progressive$1,815

Consult our expert guide to finding the best cheap car insurance.



Woodbridge car insurance premiums by age

Woodbridge drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,541per year, on average. Drivers in their age_40s pay marginally higher rates — $1,614 per year.

The Woodbridge drivers facing the priciest insurance rates are teenagers. When drivers hit their 20s in Woodbridge and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Woodbridge is $4,083, the largest such difference between any two age brackets.


CAR INSURANCE RATES BY AGE TIER IN WOODBRIDGE
Age bracketAverage Yearly Rate
Teenagers$6,413
20s$2,330
30s$1,653
40s$1,614
50s$1,541
60s$1,624
70s$1,836

Learn more about how age influences auto insurance rates.



Woodbridge car insurance premiums by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Woodbridge, married motorists pay $76 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Woodbridge, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect auto insurance rates. In Woodbridge, female drivers pay more for auto insurance than do male drivers: $42 per year, to be precise.


INSURANCE RATES IN WOODBRIDGE BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,711
Male$1,669
Single$1,593
Married$1,593
Divorced$1,669
Widowed$1,655

Read more about the relationships between gender, marital status and insurance rates.



Woodbridge car insurance costs by accident and citation history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Woodbridge drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $974 per year versus the city average. A ticket for speeding results in a $626 rate hike, on average, while a DUI violation costs $1,260per year in insurance premiums.


AVERAGE WOODBRIDGE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Yearly Rate
DUI/DWI$2,929
Reckless Driving$2,643
At-fault Accident (damages < $1,000)$2,068
At-fault Accident (damages greater than $2,000)$2,500
Speeding Ticket (16-20 mph over speed limit)$2,295

Learn more about how citations can raise your auto insurance rates.



Woodbridge car insurance premiums by credit score


Credit score is often closely correlated with car insurance costs. In Woodbridge, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 68% drop in car insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Woodbridge, moving into the "Fair" credit tier corresponds to an average of $1,816 in savings on insurance each year.


WOODBRIDGE AUTO INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Rate (annual)
Very Poor$4,022
Fair$2,206
Good$1,669
Very Good$1,489
Exceptional$1,298

Get additional information on how credit impacts car insurance costs.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.