Best Auto Insurance Rates in Hamilton, New Jersey

On average your neighbors pay $104 a month.

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Hamilton, New Jersey, is the ninth-largest city in the state. As interesting as that is, it’s likely less important to Hamilton’s 90,000 or so residents than the city’s proximity to New York City, Philadelphia, or even the Jersey Shore.

Of course, making the trip to any of those destinations means traveling on the New Jersey Turnpike or Interstates 195 or 295. Do that from behind the wheel of your own car and you're going to need cheap car insurance.

Average Hamilton Car Insurance Rates

How much is car insurance in Hamilton, NJ? Residents shouldn't be surprised to hear that insurance rates in Hamilton are higher than the national average. After all, New Jersey is the most expensive state in America for car insurance. The average cost of auto insurance in New Jersey is $1,265.69 per year. The national average price is $889.01.

Prices will vary depending on multiple factors including your driving record and the number of points on your driver's license, your car, coverage, limits, and the number of insurance claims filed in your zip code.

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

Let QuoteWizard connect you with national insurance companies and local agents so you can compare rates and save money. How much? You could save up to 40 percent on an car insurance policy.

Last year, 1,129 people used QuoteWizard to compare car insurance quotes in Hamilton, NJ from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Hamilton, NJ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Hamilton, New Jersey last year. Of those 1,129 users, 61 did not have insurance when they requested a quote.

  1. Progressive
  2. GEICO
  3. Allstate
  4. Liberty Mutual
  5. Farmers
  6. AAA
  7. State Farm
  8. Esurance
  9. USAA
  10. MetLife

Other popular Hamilton, New Jersey car insurance companies: American Family, Nationwide, Travelers, Hartford, High Point, Unitrin, AIG, and Safeco.

Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles in Hamilton

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

  1. Honda Accord EX/LX
  2. Honda Civic EX/LX/DX
  3. Ford F150
  4. Ford Explorer/XLT
  5. Ford Taurus SE
  6. Jeep Grand Cherokee Laredo
  7. Chevrolet Impala LS
  8. Ford Fusion SE
  9. Chevrolet Malibu LS
  10. Hyundai Sonata GL
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Hamilton, NJ

Hamilton, 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

Hamilton offers residents and visitors alike a warm, humid climate. The most positive result of that is the city averages 205 sunny days every year. On the other hand, it also averages 120 days of measurable precipitation. That’s an especially big problem in winter. Hamilton receives around 23 inches of snow annually, which can cause dangerous driving conditions.

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. 

If you want to report a pothole in your area in Hamilton, contact HamStat at 609-526-0311 or fill out a service request form.

Traffic Congestion

Hamilton residents may not have to worry about much traffic congestion on their township’s roads. But those who travel to and from nearby Trenton probably experience some traffic delays.

According to Texas A&M Transportation Institute (TTI), Trenton commuters spend an extra 24 hours a year stuck in traffic per commuter. They also spend around $532 in congestion costs per commuter annually.

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, you'll need to get high-risk auto insurance for bad drivers.

Traffic Tickets

The Municipal Courts of New Jersey website explains how to pay traffic tickets, tells drivers how to contest them, and provides other helpful traffic court information.

The Hamilton Township Municipal Court resolved 12,658 traffic cases in 2015. That’s a 4 percent decrease from the 13,187 traffic cases resolved in 2014.

DWI Cases

The Hamilton Township Municipal Court also resolved 328 DWI cases in 2015. This is a 13 percent decrease from the 375 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 Hamilton DWI insurance.

Car Accident Statistics

Mercer County reported 12,907 car accidents in 2014. That’s 6 percent fewer than the 13,733 accidents reported in 2013.

Traffic Fatalities

Mercer County experienced 26 traffic fatalities in 2014. That’s a 30 percent drop from the 36 traffic fatalities reported in 2013.

Vehicle Theft Rates

Nearby Trenton experienced 340 motor vehicle thefts in 2014. That’s a theft rate of 4.05 per 1,000 residents—double the national average of 2.16 per 1,000 people.

Car Insurance Discounts in Hamilton

Discounts are one of the best ways to lower your rates. These are some of the car insurance discounts available to Hamilton, NJ drivers. 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 Hamilton car insurance quotes

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