Best Car Insurance in Trenton 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Trenton.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
May 19, 2021Mazda 3 I0863829Plymouth Rock$140/mo.$63/mo.
September 23, 2021Acura 3.2Tl0863831Plymouth Rock$190/mo.$88/mo.
January 23, 2021Chevrolet Cobalt LS0861126Progressive$170/mo.$88/mo.
June 3, 2021Kia Optima SX0869025Mercury$204/mo.$144/mo.
April 13, 2021Toyota RAV4 XLE0863822Plymouth Rock$267/mo.$198/mo.
Here’s more information about what impacts the insurance rates in your Trenton.

How much does car insurance cost in Trenton?

Car insurance in Trenton, New Jersey costs single-car drivers an average of $3,634 annually, or about $303 per month. Compared to the state annual average of $3,714, auto insurance in Trenton is $79 lower higher.
The capital of the state of New Jersey, Trenton, is a mid-sized city on the Delaware River. A suburb of Philadelphia, this city of 82,000 has its own distinct flair. Aside from housing the New Jersey State House, Trenton is host to a mix of historic charm and modern attractions. Locals can go check out the Old Barracks Museum or go watch the minor league baseball team, the Trenton Thunder, at Arm and Hammer Park.
Even though its insurance costs are lower than the state average, Trenton residents may still find it difficult to find cheap car insurance. The good news is they can turn to Jerry for help.
Jerry is a licensed brokerage app created to help you save on your car insurance. Instead of inputting your personal information again and again to comparison shop, you can answer a few simple questions with Jerry and get dozens of competitive car insurance quotes. Jerry also creates personalized recommendations to help you choose the right coverage for your needs.
Here’s a rundown of what you need to know about car insurance in Trenton.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Trenton$4,271$2,626$3,157$1,716$5,468$4,742
National Average$3,223$2,143$3,086$1,764$3,423$2,486
TrentonNational Average
All Coverage Before Jerry
$4,271$3,223
All Coverage After Jerry
$2,626$2,143
Minimum Coverage Before Jerry
$3,157$3,086
Minimum Coverage After Jerry
$1,716$1,764
Full Coverage Before Jerry
$5,468$3,423
Full Coverage After Jerry
$4,742$2,486
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Choosing a carrier in Trenton

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Not every insurance company will offer the same rates, discounts, and quality of service. With a wide range of carriers to choose from, finding one that offers all the coverage you need at an affordable price shouldn’t be too difficult.
Some of the most popular picks include Allstate and GEICO. For those hoping for more personal care, New Jersey Manufacturers (NJM) Insurance is a good pick as well.
Here’s what drivers pay with some of the most popular insurance providers in Trenton before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$3,481$1,779Compare Prices
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What kind of car insurance you need in Trenton

In Trenton, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
You’ll need the state-mandated liability insurance minimums to hit the road in New Jersey. State-mandated limits for liability coverage in New Jersey:
If you’re involved in an accident or pulled over by law enforcement, you’ll need to show proof of insurance coverage. You’ll also need it to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Here are some additional insurances to consider in Trenton:
FactorRecommended coverageDescription
TrafficCollision insuranceWith traffic in the city, plus commuting traffic to Philadelphia, Trenton residents should protect themselves from accident damage with collision coverage.
WeatherComprehensive insuranceWith yearly snowfall and lots of rain, weather damage is a real threat in Trenton. Comprehensive insurance will keep you financially protected from damage from weather, falling objects, and other unexpected mishaps.
Underinsured driversUnderinsured motorist coverageNew Jersey has the lowest rate of uninsured drivers in the United States. However, that doesn’t mean being hit by someone with a basic insurance policy won’t leave you in financial trouble. Underinsured motorist coverage will prevent you from losing money due to issues with someone else’s policy.
Road tripsRoadside assistanceIf you plan to head out of Trenton, roadside assistance can ease any worries. With towing, jumpstarts, rental reimbursements, and more, roadside assistance will make sure you’re never stranded.

What determines your car insurance cost in Trenton

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Trenton, you could be paying as much as $56 more per month than an adult driver. These are average rates for Jerry customers in Trenton broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$4,364$1,105
21-24$4,298$2,005
25-34$4,425$1,517
35-44$2,308$512
45-54$2,369$749
55-64$3,732$1,180
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Trenton with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,951$1,374
Careless Driving$4,800$2,056
DUI$4,800$1,500
Speeding over 15$2,779$322
Speeding under 15$2,400$300
Defective Equipment$1,452$196
Other$2,965$853
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Where in Trenton you live

It may seem like insurance rates in Trenton should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Trenton, residents of 08618, 08610, 08611, 08629 and 08690 will have the most expensive car insurance rates, while people who live in 08648, 08619, 08620, 08609 and 08638 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Trenton:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 23, 202108638Acura 3.2TlNJ31Plymouth Rock$190/mo.$88/mo.
May 15, 202108629Mazda 3 HatchbackNJ21Progressive$200/mo.$165/mo.
September 7, 202108611Chevrolet Equinox LSNJ59Mercury$311/mo.$205/mo.
September 6, 202108611BMW 525 INJ49Progressive$267/mo.$222/mo.
September 18, 202108618Honda Accord EXNJ19Progressive$326/mo.$294/mo.
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Why is car insurance in Trenton so expensive?

A variety of considerations determine baseline car insurance rates in Trenton. Insurance companies often consider the following:
While it’s lower than the state average, insurance in Trenton can be very expensive. Here are a few reasons for this steep price.

Crowded roads

With people commuting to and from Trenton every day, the streets in and around the city can get crowded and congested. This means there’s a higher chance of accidents and a higher chance of someone making a claim. Insurance providers raise rates to offset this risk.

Crime rate

Trenton has a high crime rate, with a property crime rate above the national average. That means car thefts or car vandalism are more likely to occur in Trenton than in most towns or cities in America.
Since theft or vandalism can be claimed on comprehensive coverage, insurance rates may rise to counteract this risk.

How can you save money on car insurance in Trenton?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Remember to check what discounts you qualify for when choosing an insurance policy. Almost all providers offer discounts, and you may even be eligible for multiple discounts that can, collectively, make a nice dent in your premium.
Here are a few common discounts for Trenton drivers.
DiscountDescription
Safe drivingMany insurance companies can track your driving habits using their mobile apps. Good driving habits can lead to discounts!
Multi-car policyInsuring more than one car with the same provider can lead to discounted rates for every car on the plan.
Driving classDrivers who take voluntary defensive driving courses often get discounted insurance premiums.
Student discountsStudents who maintain a certain GPA may qualify for insurance savings!
Responsible payingConsistently paying your insurance bill on time can get you a deal for future rates.
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