Best Auto Insurance Rates in Woodbridge, New Jersey

On average your neighbors pay $104 a month.

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Like many New Jersey locales, Woodbridge is rich with history. For starters, it is the oldest original township in the state. Settled in 1664, it was granted charter by King Charles of England. The Colony's first periodical, The New American Magazine, was edited and published in 1758.

Average Woodbridge Car Insurance Rates

How much is car insurance Woodbridge, NJ? Residents shouldn't be surprised to hear that premiums in Woodbridge tend to be higher than they are almost anywhere else in the US. 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, car, coverage, limits, and the number of 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

QuoteWizard helps consumers compare quotes from both top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Woodbridge, New Jersey and save up to 40% on your premium.

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

Best Car Insurance Companies in Woodbridge, NJ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Woodbridge, New Jersey last year. Just over 160 of those users were uninsured.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Woodbridge, NJ drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX/EX-L/EXL
  2. Ford F150
  3. Ford Explorer
  4. Toyota Camry/SE/LE/XLE
  5. Honda Civic
  6. Toyota Corolla/S/LE/XLE
  7. Nissan Sentra/S/SV/SR/SL
  8. Nissan XTERRA 4.0
  9. Toyota Yaris
  10. Hyundai Sonata GLS
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Auto Insurance Requirements in Woodbridge, NJ

Woodbridge, 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

Much like the rest of New Jersey, Woodbridge has a warm, humid climate that contributes to the township’s long, hot summers. Residents here can expect 206 days of full or partial sunshine. However, it's not all clear skies for Woodbridge. The winters here can be severe, and on average, the town receives 24 inches of snowfall in a year. That leads to slick roads and dangerous driving conditions.

Road Conditions

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

If you want to report a pothole in the Woodbridge area, call the Pothole Hotline at 732-726-2325.

Traffic Congestion

Traffic congestion causes problems for drivers in most major cities. Woodbridge is just a township, though, so it doesn’t see as much traffic as New Jersey’s larger communities. Still, it’s located only 30 miles from New York City, so residents that commute between the two will definitely run into traffic delays.

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 Motor Vehicles/Fines section of the Woodbridge Municipal Courts website offers important information on fines and payments.

Woodbridge Municipal Court resolved 47,198 traffic cases in 2015. That’s a 14 percent decrease from the 55,510 traffic cases resolved in 2014.

Woodbridge DWIs

Speaking of DWIs, the Woodbridge Municipal Court resolved 445 DWI cases in 2015. That’s an increase of 17 percent from the 379 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 Woodbridge DWI insurance.

Car Accident Statistics

Middlesex County reported 30,193 car accidents in 2014. That’s an increase of 5 percent from the 28,791 car accidents in 2013.

Traffic Fatalities

Middlesex County reported 52 traffic fatalities in 2013. That’s a 20 percent decrease from the 65 traffic fatalities in 2012.

Save With Car Insurance Discounts

If you want to find affordable car insurance, discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to drivers in Woodbridge, NJ. Get a free quote to find out which discounts you may qualify for.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  2. Get married. Some insurers offer a discount to married drivers
  3. 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
  4. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  5. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  6. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  7. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  8. Install anti-theft devices or a car alarm system
  9. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  10. Shop around and compare low-cost Woodbridge auto insurance quotes

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