On average your neighbors pay $104 a month.See Your Rates
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.
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.
|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.
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.
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.
Other popular Hamilton, New Jersey car insurance companies: American Family, Nationwide, Travelers, Hartford, High Point, Unitrin, AIG, and Safeco.
These are the most common car makes and models owned by Hamilton, NJ drivers who requested quotes through QuoteWizard last year.
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:
Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.
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.
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.
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 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.
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.
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.
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.
Mercer County reported 12,907 car accidents in 2014. That’s 6 percent fewer than the 13,733 accidents reported in 2013.
Mercer County experienced 26 traffic fatalities in 2014. That’s a 30 percent drop from the 36 traffic fatalities reported in 2013.
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.
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.
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