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Car Insurance in Trenton, N.J.

Illustration of van driving by Freeway Insurance headquarters

Steeped in American history, Trenton is the capital of New Jersey and sits on the banks of the Delaware River. Trenton had the honor of serving as the capital of the U.S. for a brief period in 1784 following the American Revolution. Not far from the Atlantic Ocean and Philadelphia, Trenton also offers some amazing nature getaways at nearby Wharton State Forest

Whether you live in Trenton or are visiting, there are plenty of things to check out. This includes the New Jersey State Library, Trenton Battle Monument, Trenton War Memorial, and so much more. You should also check out some good, cheap car insurance if you live in Trenton, N.J.

Quick Facts

  • In 2020, there were 4 traffic-related fatalities in Trenton.
  • The average cost of car insurance in Trenton is $93.
  • New Jersey is a no-fault state, which means your insurance company will pay for your injuries and damages regardless of who is at fault in an accident up to your coverage limits.

How Much Is Car Insurance in Trenton?*

Relatively speaking, car insurance is expensive in Trenton. The average cost of the state-required minimum car insurance in the city is $93. This is more expensive than both the state average for car insurance ($71) and the nation ($47).

But is Trenton really that expensive? Below, we have a breakdown of average car insurance costs for other major cities in New Jersey.

City Average monthly car Insurance
Jersey City $91
New Brunswick $80
Newark $107
Paterson $108
Trenton $93

Trenton Car Insurance Rates by Zip Code

Moving to different cities within New Jersey may increase or decrease your car insurance premium. On top of that, the different zip codes within Trenton have different prices, as well.

To help you see how your own zip code measures up, check out our breakdown of different city car insurance prices by zip code.

Zip Code Average monthly car insurance
08601 $93
08608 $93
08609 $93
08610 $78
08611 $93
08618 $93
08619 $77
08620 $63
08628 $57
08629 $93
08638 $89
08641 $63
08690 $63
08691 $63

Trenton Car Insurance Rates by Age

To some drivers, it feels a little odd that where you live affects how much you pay for car insurance, but the amounts are arrived at by compiling accident and car crime, such as vandalism and theft, for each area. And even if you never move out of Trenton, your age will affect your monthly car insurance premium, typically by being very high when you are young and leveling out as you get older.

To help you prepare for this, we have a breakdown of the average car insurance price by age here in Trenton, New Jersey.

Age Average monthly car insurance rate
Teenagers $323
20s $168
30s $93
40s $92
50s $92
60s $89
70s $80

*We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Trenton

How Many Fatal Accidents Happen in Trenton?

Relatively speaking, it is pretty safe to drive in Trenton, New Jersey. In 2020, there were four traffic-related fatalities.

How Are the Road Infrastructure and Bridges in Trenton?

Generally speaking, the infrastructure in Trenton could be better. In a 2021 American Society of Civil Engineers infrastructure report, the state of New Jersey had 6,786 bridges, of which 7.8% were structurally deficient. New Jersey also has 37% of roads in poor condition.

While Trenton is in the middle of a 10-year plan to improve the infrastructure, it is clear that the city has a long way to go when it comes to improving travel for residents and visitors.

Get a Quote for Car Insurance in New Jersey Today!

Minimum Car Insurance Requirements in Trenton

Everyone driving in Trenton should have more than the minimum car insurance required by the state. But do you know what those minimum requirements actually are?

In Trenton and the rest of New Jersey, liability car insurance is offered in two packages, standard and basic. Both packages satisfy the state required insurance coverage. Most people opt for standard, which offers more protection for slightly more money. The basic plan, which is the cheapest, requires:

  • $15,000 of Personal Injury Protection (PIP)
  • $5,000 of property damage liability per accident

The standard plan offers substantially more coverage and protection and includes:

  • $15,000/$30,000 of bodily injury liability per person/accident
  • $5,000 of property damage liability per accident
  • $15,000 PIP

Since New Jersey is a no-fault state, your insurance company will pay for your injuries and damages, regardless of who is at fault in an accident. With the barest of coverage, you may be left holding a rather substantial bill. Take the time to figure out how much car insurance you need.

Factors Allowed in Jefferson City Car Insurance Rates

Previously, we covered two of the biggest factors that Trenton insurance carriers use to determine your monthly premium: your age and your location. It’s enough to make any driver stop and ask what insurance companies are actually considering when they set their rates.

Below, we have the full list of factors that Trenton insurance carriers will pay attention to, in addition to factors such as the car you drive and how much insurance you have:

  • Age
  • Zip code
  • Education & occupation
  • Marital status
  • Credit score
  • Gender

If any of these factors change over time, don’t forget to let your insurance carrier know. A simple change in location or credit score may drive your premium down!

Discounts for Car Insurance in Trenton

Did you know a lower car insurance premium may just be a phone call away? That’s because your insurance carrier, like all others, offers special discounts for qualifying drivers.

Below, we have some of the most common car insurance discounts in Trenton:

  • Blue icon of a graduation cap

    Good student discount

  • Pink icon of a document with a checklist

    Electronic payment discount

  • Illustration of a store

    Home and automobile bundle discount

  • Blue icon of two cars

    Multiple vehicle discount

  • Graphic of a man driving a car

    New driver discount

Remember, these are just sample car insurance discounts. To discover the exact discounts offered by your own insurance company, you will need to reach out and ask them, and possibly shop around for a carrier with better discounts.

What Are the Penalties for Driving Without Insurance in Trenton?

When you drive in Trenton without enough car insurance, you may end up on the hook for medical bills and property damage that are above your coverage limits in the case of an accident. But what if you get caught driving in Trenton without any car insurance at all?

For the first offense, you’ll need to pay a fine between $300 and $1,000. You’ll also get mandatory community service and lose your license for a year. On top of this, you may need to pay a surcharge of $250 for three years and may face additional fees as assigned by the court.

For second offenses and beyond, you’ll need to pay a fine between $500 and $5,000 and spend 14 days in jail. You’ll need to pay a $250 surcharge for three years and spend 180 days on community service.

For all offenses, you may face an increase in points on your license and potentially large increases on your monthly insurance premium.

Get a Trenton Car Insurance Quote Today!

Trenton NJ waterfront and capital

Now you have all the info you need regarding car insurance in Trenton, New Jersey. But do you know where you can find the car insurance coverage you deserve?

At Freeway Insurance, we can easily get you started with a quote online. If you’d rather visit in person, you can always come to one of our local Trenton offices. Or if you’d rather just pick up the phone, you can always call us at (800) 777-5620 for a quote today!