Trenton Car Insurance

How much does car insurance cost in Trenton, NJ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Trenton?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in New Jersey has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Trenton typically pay around $183.19 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
New Jersey $177.08
Trenton, New Jersey $183.19

Trenton, NJ Best Car Insurance Companies

car insurance in Trenton

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Nationwide generally has the most affordable car insurance in Trenton coming in around $81.42 per month. Other companies to consider if you live in Trenton is Auto-Owners Insurance Co with an average cost of $86.42 per month and Travelers which typically runs around $88.17 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Trenton.

RankCompanyAverage Monthly RateComparison State Average
1 Nationwide $81.42-54.02%
2 Auto-Owners Insurance Co $86.42-51.20%
3 Travelers $88.17-50.21%
4 Erie $89.83-49.27%
5 Allied $102.42-42.16%
6 New Jersey Manufacturers $113.76-35.76%
7 Atlantic States Insurance $117.42-33.69%
8 USAA $126.42-28.61%
9 American Independent Ins Co $131.25-25.88%
10 Victoria $144.67-18.30%

How Much is Car Insurance in Trenton, NJ?

how much is auto insurance in Trenton

Rates can vary from city to city. The residents of Atlantic City typically pay $203.54 per month while people who live in Camden will pay $210.62 per month on average. See what people pay for car insurance in other cities in New Jersey.

New Jersey CitiesMonthly Average Rate
Atlantic City$203.54
Camden $210.62
Clifton $203.04
Elizabeth $200.73
Jersey City $184.48
New Brunswick $159.81
Newark $224.15
Paterson $205.87
Plainfield $188.82
Toms River$149.37
Trenton $183.19
Vineland $151.70

Cheap Car Insurance in Trenton by Zip Codes

find cheap auto insurance in Trenton

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of New Jersey. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Trenton, NJ ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Trenton

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $286.04 per month in Trenton. Compare that to drivers in their 30’s who typically pay around $172.96 per month drivers in their 40s at $164.70 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Trenton

If you are teen in Trenton you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, New Jersey Manufacturers typically charges around $172.48 per month. This is likely the most affordable option in Trenton. You might also want to consider State Farm and Allstate who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
New Jersey Manufacturers$172.48
State Farm$313.89
Penn National$375.60

Cheapest Insurance for 20 Year-olds in Trenton

20 year-olds in Trenton might want to consider Nationwide who, on average, offers car insurance rates around $81.42 per month. Auto-Owners Insurance Co , Travelers , Erie and Allied are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$86.42

Cheapest Insurance for 30 Year-olds in Trenton

If you are in your 30s in Trenton our research has found that New Jersey Manufacturers typically has the most affordable coverage coming in around $111.65 per month, followed by Allstate at $200.50 and Penn National at $209.46.

CompanyAverage Monthly Rate
New Jersey Manufacturers$111.65
Penn National$209.46
Plymouth Rock$211.34
State Farm$212.99

Cheapest Insurance for 40 Year-olds in Trenton

On average, New Jersey Manufacturers offers car insurance for 40 year-olds in Trenton for around $98.28 per month. If you are looking for affordable coverage, you may also want to consider Penn National or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
New Jersey Manufacturers$98.28
Penn National$182.02
State Farm$189.19
Plymouth Rock$191.68

Cheapest Insurance for 50 Year-olds in Trenton

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Trenton we found that New Jersey Manufacturers generally offers the most affordable coverage at $85.15 per month.

CompanyAverage Monthly Rate
New Jersey Manufacturers$85.15
Penn National$181.13
State Farm$184.32
Mercury Insurance Company$184.70

Cheapest Insurance for 60 Year-olds in Trenton

If you live in Trenton and you’re in your 60s, our data indicates that New Jersey Manufacturers usually has the best rates at $87.92 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
New Jersey Manufacturers$87.92
Liberty Mutual$152.13
Mercury Insurance Company$157.45
State Farm$170.90
Plymouth Rock$173.13

Driver's Coverage Auto Insurance Rates in Trenton, NJ

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Trenton, the average monthly rate for a driver who is currently insured is $167.06 while drivers who are not currently covered will pay around $206.17.

CoverageAverage Monthly Rate
Not Currently Insured $206.17
Currently Insured $167.06

Compare Recent Car Insurance Quotes in Trenton

auto insurance quotes in Trenton city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Trenton a driver of a 2000 Ford F150 can expect to pay around $74.03 per month while someone that owns a 2019 Hyundai Elantra may pay around $133.83 per month. Check out the list of recent quotes in Trenton below.

VehicleAverage Monthly Rate
2000 Ford F150$74.03
2019 Hyundai Elantra$133.83
2001 Subaru Forester$202.28
2008 Ford Taurus$130.97
2010 Honda Accord Crosstour$367.03
2017 Jeep Wrangler$127.27
2019 Nissan Armada$129.38
2015 Ford Explorer$105.30
2013 Acura Tsx$200.83
2021 Acura RDX$109.97

FAQ's for Drivers in Trenton, NJ

driver’s frequently asked question in Trenton

What Is the Minimum Liability Coverage Requirement in Trenton, NJ?

Every state requires drivers to have a minimum amount of liability coverage. New Jersey drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Personal Injury Protection per person or accident; Coverage for injuries sustained in an automobile accident by you or other persons covered under your policy
  • $30,000; Bodily Injury Liability per accident; Coverage for claims and lawsuits by people injured as a result of an auto accident you cause
  • $5,000; Property Damage Liability; Coverage for claims and lawsuits by people whose property is damaged as a result of an auto accident you cause

New Jersey’s minimum coverage options are a little more complicated than other states’. That’s because it offers two minimum coverage levels and requires more types of coverage than many other places.

What Is the Blood Alcohol Concentration (BAC) limit in Trenton, NJ?

It’s illegal to operate a motor vehicle in New Jersey at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

New Jersey bumps up DUI penalties at 0.10% BAC. This is a little more aggressive than many other states, where it’s common to increase penalties at a reading of 0.15%.

What happens if my coverage lapses?

New Jersey has some of the harshest penalties in the country for driving without insurance. These may include at least several hundred dollars in fines, plus a few hundred dollars in associated fees, as well as up to a 1-year license suspension, community service, and possible vehicle impounding. And that’s just for a first-time offense. Aggravating factors like causing an accident or injuries without coverage make things worse.


Commute Time in Trenton, NJ

24.8 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Trenton, NJ


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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