Best Auto Insurance Rates in Cherry Hill, New Jersey
On average your neighbors pay $104 a month.
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Due to all of its shopping centers, restaurants, and commercial and industrial centers, Cherry Hill, New Jersey, is the leading economic center in South Jersey. With all it has to offer residents and visitors, it's no wonder people are drawn to this bustling city.
One downside of this prosperity is it means more people on Cherry Hill’s roads. That usually means higher car insurance rates too.
Average Cherry Hill Car Insurance Rates
How much is car insurance in Cherry Hill, NJ? Premiums in Cherry Hill are higher than the national average. New Jersey is the most expensive state in the US for car insurance. TThe 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 limits, coverage, and the number of claims filed in your zip code, so you could pay less.
| 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.
QuoteWizard will connect you with national insurance companies and local agents so you can compare quotes and get the best rates. In fact, you can save up to 40 percent on your policy.
Last year, many people used QuoteWizard to compare auto insurance quotes in Cherry Hill, NJ from top companies to find the cheapest rates.
Best Car Insurance Companies in Cherry Hill, NJ
This is our list of the most common car insurance companies reported by QuoteWizard users in Cherry Hill, New Jersey last year. Of those users, only 13 did not have insurance when they requested a quote.
Top 10 Vehicles in Cherry Hill
This is our list of the most common car makes and models owned by Cherry Hill, NJ drivers who requested quotes through QuoteWizard last year.
- Honda Accord EX/LX
- Honda Civic EX/LX
- Lexus ES 350
- Ford Escape XLS
- Ford Expedition
- Toyota Camry LE/XLE
- Honda CR-V EX
- Nissan Altima SE
- Nissan Altima 2.5/S/SV/SL
- Acura MDX
Minimum Auto Insurance Requirements in Cherry Hill, NJ
Cherry Hill, 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
Bad weather can affect driving conditions and insurance rates. Speaking of which, Cherry Hill sees 114 days of some amount of precipitation in an average year. When it comes to specific precipitation, the city receives about 15 inches of snow annually. Thankfully, for Cherry Hill residents, they have many sunny and warm days as well. In fact, the city experiences an average of 205 days a year of full or partial sunshine.
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 comes to $632 per motorist.
To report a pothole in Cherry Hill, fill out a service request on line.
Moving Violation
Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and need to purchase expensive high-risk auto insurance.
Traffic Tickets
The Cherry Hill Municipal Court website allows you to pay traffic tickets, answers frequently asked questions, and provides other helpful court information.
In 2015, the Cherry Hill Municipal Court resolved 31,968 traffic cases. That’s a 27 percent decrease from the 44,032 traffic cases resolved in 2014. Traffic cases include DWIs, moving violations, and parking violations.
Drunk Driving Cases
Cherry Hill Municipal Court resolved 214 DWI cases in 2015. That’s a 7 percent decrease from the 231 DWI cases 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 Cherry Hill DWI insurance.
Car Accident Statistics
Camden County reported 14,723 car accidents in 2014. That’s 3 percent less than the 15,151 accidents in 2013.
Traffic Fatalities
Camden County suffered 38 traffic fatalities in 2014. This is a 23 percent increase from the 31 fatalities in 2013.
Car Insurance Discounts in Cherry Hill
Discounts are one of the best ways to lower your insurance rates. These are some of the auto insurance discounts available to drivers in Cherry Hill, 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 affordable Cherry Hill car insurance quotes
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