Car Insurance in New Brunswick, NJ
Drive without worry on campus and beyond with quality car insurance in New Brunswick.
New Brunswick is best known as the home of New Jersey's largest state university and has a well-deserved reputation as a healthcare hub. Whether you live full-time in this city of more than 55,000 residents. stay here temporarily for college or commute to the area for work, having good car insurance in New Brunswick gives you a financial shield for accidents, theft and vandalism.
The city has a bus service and access to regional rail lines, but having a car gives you the freedom to explore all the many cultural attractions and entertainment venues in New Brunswick. Although the cost of living here is above the national average, it's also about 4% below the state average. If you find you're spending too much on car insurance, try comparing rates from multiple companies with VIU by HUB.
New Jersey is one of the safest states for drivers, with low rates of fatal accidents, drunk driving crashes and speeding collisions. However, the large percentage of young drivers may create concern for New Brunswick residents. The Rutgers campus has more than 43,000 students. many younger than 25. According to the National Highway Traffic Safety Administration, drivers ages 21 to 24 are most likely to drink before getting behind the wheel, followed by those ages 25 to 34.
Property crime may also pose a risk for your car if you live, work or attend school in New Brunswick. The city has slightly above-average rates of vandalism, theft and other types of property damage compared to New Jersey and U.S. averages. Your auto insurance will pay for the cost of these types of incidents up to your policy limit, so you may want to increase your coverage amount for additional protection.
New Brunswick drivers pay an average of $2,258 for an annual auto insurance policy according to data from WalletHub, or about $2,058 for minimum coverage and up to $5,206 for full coverage. That's a significant increase from the state average.
Auto insurance costs change significantly from one ZIP code to the next. In addition, the average 18-year-old driver pays about $6,592 per year for full-coverage auto insurance, which means the college student population increases the city's average cost. Comparing rates with VIU by HUB can help you save even if your age pushes up your premiums.
New Jersey drivers choose from either a basic or standard auto policy. The basic policy features:
If you choose the standard policy, you will have:
Both policies include personal injury protection of up to $15,000 per accident. PIP pays your medical bills and those of your passengers after a serious accident, regardless of fault in the collision.
To save on car insurance in New Brunswick, get a quote from more than one company. VIU by HUB offers personalized prices for your ideal policy from various insurers in minutes.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
