Woodbridge Car Insurance

The Zebra
May 30, 2018

Car Insurance in Woodbridge

New Jersey premiums, which are 18% greater than the national average, are known for being expensive. Premiums run even higher in the city, so it is especially critical to cut costs while insuring a vehicle in Woodbridge. Keep some money in your pocket by following the tips below about how to save on car insurance in Woodbridge.

  • City Average: $1,776
  • State Average: $1,679
  • National Average: $1,427

Woodbridge Car Insurance by Accident or Violation History

Maintaining a clean driving record is vital if you want to keep the expense of premiums minimal. No one plans on being in an accident, but things happen, so be aware of what can happen to your rates after one. For individuals in Woodbridge with at-fault accidents, car insurance is an average of $917 more per year. $906 is the extra cost per year for drivers with a DUI in Woodbridge, compared to the city average of $1,776. Reckless driving will drive your premiums up as well, with typical rates of $3,114!

  • DUI: $2,682
  • Reckless Driving: $3,114
  • At-fault Accident (damages less than $1000): $2,693
  • At-fault Accident (damages greater than $2000): $2,693
  • Speeding Ticket (16-20 mph over speed limit): $2,364

Woodbridge Car Insurance by Credit Rating

Average car insurance premiums in Woodbridge for those with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). Shifting from Very Poor (300-579) to Fair (580-669) generates the most significant decrease in premiums, as drivers save close to $361 per year.

  • Very Poor: $3,280
  • Fair: $2,698
  • Good: $2,286
  • Very Good: $1,883
  • Exceptional: $1,522

Woodbridge Car Insurance by Age

The biggest dip in premiums between any age group is from the teenage age range to the 20s, as drivers in Woodbridge start saving $4,421. In Woodbridge, turning 60 means a rise in insurance rates. Up until then, progressing between age groups means decreasing prices. When looking across all age groups, drivers in their 50s have the lowest car insurance rates. Their rates normally average $1,629/year. People in their 60s ($1,679) also have relatively low premiums. With rates of $6,931 on average, teenage drivers pay the most in car insurance premiums.

  • Teenagers: $6,931
  • 20s: $2,510
  • 30s: $1,756
  • 40s: $1,715
  • 50s: $1,629
  • 60s: $1,679
  • 70s: $1,806

Woodbridge Car Insurance by Gender and Marital Status

In Woodbridge, several driver traits, including marital status and gender, can influence car insurance premiums. Being single, as opposed to married, can cost you roughly 7% more per year on car insurance. Rates for those who are widowed are marginally cheaper than rates for those who are single. Premiums are more costly for women. Women generally pay $47 more than men each year for insurance.

  • Female: $1,823
  • Male: $1,776
  • Single: $1,776
  • Married: $1,663
  • Divorced: $1,776
  • Widowed: $1,750

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