On average your neighbors pay $104 a month.See Your Rates
Trenton, New Jersey, has long been tied to the slogan, "Trenton Makes, The World Takes." This slogan came about due to the city’s hand in the manufacturing of steel, rubber, wire rope, linoleum, and ceramics.
We think it's time to give back to the city that has given everyone else so much. So why not start with affordable car insurance?
How much is car insurance in Trenton, NJ? Premiums in Trenton are higher than the national average. Actually, rates throughout New Jersey are high. In fact, it’s 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 several factors including: your driving record and the number of points on your driver's license, your car, limits, coverage, 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.
QuoteWizard connects consumers with top national insurance companies and local agents. From there, they can compare quotes and save up to 40 percent on an insurance policy.
Last year, 1,803 people used QuoteWizard to compare car insurance quotes in Trenton, NJ from multiple companies to lower their rates.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Trenton, New Jersey last year. Of these 1,803 users, 98 did not have insurance when they requested a quote.
Other popular Trenton, New Jersey car insurance companies: American Family, AIG, Hartford, Travelers, Unitrin, Safeco, High Point, and Mercury.
This is our list of the most common car makes and models owned by Trenton, NJ drivers requesting quotes through QuoteWizard last year.
Trenton, 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.
Trenton, NJ has a warm climate. That means hot summers and no dry season. On average, the city experiences 201 days of full or partial sunshine each year. It also experiences about 120 days with measurable precipitation annually. Perhaps most important to Trenton drivers is that the city receives 23 inches of snow in an average year.
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 motorist.
To report a pothole in your area, contact the Division of Streets at 609-989-3201.
According to, the Inrix Urban Mobility Scorecard, Trenton residents spend an extra 6,970 hours in traffic annually. That comes to 24 extra hours per commuter. They also spend $157 million in congestion costs annually. The cost per commuter: $532.
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, your insurer will label you a bad driver and force you to purchase high-risk auto insurance.
The Trenton Municipal Court website allows you to pay traffic tickets. It also tells drivers their rights in municipal court and provides other helpful court information.
The Trenton Municipal Court resolved 49,308 traffic cases in 2015. That’s a drop of 7 percent from the 52,808 traffic cases resolved in 2014. Traffic cases include drunk driving, moving violations, and parking violations.
The Trenton Municipal Court resolved 382 DWI cases in 2015. That’s an increase of 63 percent from the 234 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 Trenton DWI insurance.
Mercer County responded to 12,907 car accidents in 2014. That’s six percent less than the 13,733 accidents in 2013.
Mercer County also reported 26 traffic fatalities in 2014. That’s 30 percent fewer than the 36 fatalities in 2013.
Trenton reported 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.
This data suggests Trenton isn’t the safest place to have a car. It also helps explain why car insurance rates for this city’s drivers are so high.
Do you want affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the auto insurance discounts available to Trenton, 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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