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Get Cheap Car Insurance in Trenton, NJ
We monitor insurance prices, helping the average driver in Trenton save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Trenton
The chart below shows the cheapest car insurance company in Trenton for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.
| Trenton Insurer | Monthly Cost |
|---|---|
| State Farm | $66 |
| Geico | $68 |
| Plymouth Rock Assurance | $84 |
| NJM | $99 |
Savings for Every Kind of Trenton Driver
Based on our extensive insurance data, we know the average Trenton driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $518 per year by choosing the right vehicle insurance company. Some Trenton residents are paying out over $1,976 extra every year for auto insurance in Trenton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Trenton, NJ Savings / Yr. |
|---|---|
$518 |
|
$961 |
|
$738 |
|
$636 |
|
$2,556 |
|
$498 |
|
$775 |
Trenton Car Insurance vs. New Jersey
People living in Trenton pay an average of 8.80% more than the typical driver in the state. The average driver in Trenton can expect to pay about $1,178 per year, or $1,976 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Trenton for most people.
Car Insurance Prices by Trenton Neighborhood
Insurance Prices
Where is insurance cheapest within Trenton?
The map shows insurance prices in and around Trenton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $745 per year within the city boundaries, with insurance premiums ranging from a high of $2,427 to a low of $1,682. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the North parts of Trenton.Pick the Best Car Insurance Company for You in Trenton
The best car insurance provider for most drivers in Trenton
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $518 over the average Trenton car insurance company.
The best car insurance provider for Trenton drivers with accidents on their records
In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $961 over the competition.
The best car insurance company for Trenton drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $738 better than other car insurance companies.
The best auto insurance for Trenton drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $636 less each year.
The least expensive car insurance company for new and young drivers in Trenton
In Trenton, Geico costs young drivers $2,556 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Trenton
Geico gave the largest car insurance discounts to married couples, averaging $498 saved each year compared to an average Trenton couple's premiums.
The cheapest car insurance in Trenton for drivers with bad credit
The best Trenton car insurance company for customer service
Recent price drops
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The cheapest large national provider in Trenton
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Trenton driver can expect to pay about $112 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Trenton, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Trenton
What Influences the Cost of Car Insurance in Trenton?
On average, car insurance in Trenton is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- New Jersey state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Trenton are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Trenton is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Trenton is $98 per month for minimum coverage and $165 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Mercerville: Insurance costs 8.45% less
- White Horse: Insurance costs 7.74% less
- Hamilton Square: Insurance costs 10.93% less
- Yardville: Insurance costs 11.69% less
- Morrisville: Insurance costs 26.92% less
- Yardley: Insurance costs 28.64% less
- Pennington: Insurance costs 13.11% less
- Fieldsboro: Insurance costs 5.06% less
- Bordentown: Insurance costs 8.60% less
- Fairless Hills: Insurance costs 28.80% less
Cities with Similar Populations
- Wyano: Insurance costs 31.12% less
- Wyoming: Insurance costs 27.13% less
- Wyoming: Insurance costs 10.27% less
- Wynnville: Insurance costs 20.65% less
- Ypsilanti: Insurance costs 65.94% more
- Yuba City: Insurance costs 2.28% more
- Wymer: Insurance costs 24.14% less
- Wyman: Insurance costs 42.16% more
- Wylliesburg: Insurance costs 37.55% less
- Wykoff: Insurance costs 21.20% less