Best Auto Insurance Rates in Camden, New Jersey

On average your neighbors pay $104 a month.

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Camden, New Jersey's proximity to Philadelphia means residents and visitors alike regularly travel between both cities. It's so easy for them to do so because of the city’s great transportation options. For example, there’s the PATCO Speedline, the NJ Transit River LINE, the RiverLink Ferry, and the Walter Rand Transportation Center.

Of course, if you prefer driving to public transportation, you’re going to need great car insurance.

Average Camden Car Insurance Rates

How much is car insurance in Camden, NJ? Residents of Camden shouldn't be surprised to hear that premiums here are higher than the national average. New Jersey is the most expensive state in America for car insurance. One reason is the high crime rate. The average cost of auto insurance in New Jersey is $1,265.69 per year. The national average price is $889.01.

Prices vary depending on your driving record, limits, coverage, and the number of claims filed in your zip code, though, so you may pay less.

New Jersey Average Annual Car Insurance Rates
Coverage Rates
Liability $869.57
Collision $381.86
Comprehensive $131.35
Total Cost Per Year $1,265.69
Price Per Month $104.72
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New Jersey insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New Jersey car insurance rates increased from $1,186 in 2011 to $1,263 in 2015, a jump of $79, or 6.70 percent.

New Jersey average car insurance rates

QuoteWizard will connect you to national insurance companies and local agents so you can compare rates. Shop around in that way and you could save up to 40 percent on your premium.

Last year, many people used QuoteWizard to compare car insurance quotes in Camden, NJ from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Camden, NJ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Camden, New Jersey last year. Of those users, 47 did not have insurance at the time they requested a quote.

Top 10 Vehicles in Camden

These are the most common car makes and models owned by Camden, NJ drivers who requested quotes through QuoteWizard last year.

  1. Honda Accord EX/LX/DX
  2. Chevrolet Malibu
  3. Chrysler Pacifica
  4. Chevrolet Impala
  5. Nissan Maxima S/SV
  6. Mercury Mountaineer
  7. Acura MDX
  8. Jeep Grand Cherokee Laredo
  9. Dodge Durango
  10. Chevrolet Malibu LS
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Minimum Car Insurance Requirements in Camden, NJ

Camden, New Jersey has a minimum coverage requirement known as the 15/30/5 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most an insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The total an insurance carrier will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $15,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

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Weather

Camden residents enjoy a warm climate with long, hot summers and no dry season. They can expect around 204 days each year of full or partial sunshine and another 89 days with measurable precipitation. In an average year, Camden receives 45 inches of rainfall. That’s a big deal because this kind of weather can produce slick roads and dangerous driving conditions. Another weather condition Camden commuter's need to be aware of is snowfall. On average, Camden sees 24 inches of snow every year.

Road Conditions

According to TRIPNET, 37 percent of New Jersey's major roads are in poor condition. These pothole-filled roads cost motorists a total of $6.9 billion annually in extra vehicle operating costs. That’s $632 per driver. 

If you want to report a pothole in Camden, contact the Public Works Hotline at 856-757-7034.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The Camden Municipal Courts website allows you to pay traffic tickets, provides information on violations and penalties, and provides helpful traffic court information.

The Camden Municipal Court resolved 86,416 traffic cases in 2015. This is a three percent decrease from the 89,403 cases resolved in 2014. Traffic cases include drunk driving, moving violations, and parking violations.

Drunk Driving Cases

Camden Municipal Court also resolved 825 DWI cases in 2015. That’s a 42 percent increase from the 580 DWI cases resolved in 2014.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Camden DWI insurance.

Car Accident Statistics

Camden County reported 14,723 car accidents in 2014. That’s three percent less than the 15,151 accidents reported in 2013.

Traffic Fatalities

Camden County suffered 38 traffic fatalities in 2014. This is a 23 percent increase from the 31 fatalities in 2013.

Vehicle Theft Rates

Camden experienced 321 motor vehicle thefts in 2014. That’s a theft rate of 4.15 per 1,000 residents. This is more than double the national average of 2.16 per 1,000 people. According to this data, Camden isn’t the safest place to own a car, which can have a negative impact on car insurance rates.

Car Insurance Discounts in Camden

Do you want cheap car insurance? Discounts are one of the best ways to lower your rates. These are some of the car insurance discounts available to drivers in Camden, NJ. Get a quote to find out which discounts you may qualify for from your current or multiple insurance companies.

  • Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  • Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  • Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  • Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  • Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  • Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  • Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  • Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  • Take a defensive driving course from an accredited driving school
  • Shop around and compare low-cost Camden car insurance quotes

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