Trenton, NJ Auto Insurance | Cheap Car Insurance in Trenton, NJ

Average rates of Trenton, NJ auto insurance are around $108 per month. Finding cheap car insurance in Trenton, NJ can be based on many factors, including your age, driving record, and credit score. One of the best Trenton, NJ auto insurance companies, Liberty Mutual, offers monthly rates of $88.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Dec 7, 2020

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New Jersey auto insurance lists its minimum liability coverage as 15/30/5. Drivers searching for cheap car insurance in Trenton, NJ will be able to find affordable rates. State Farm, Liberty Mutual, Hanover, Penn National, and Plymouth Rock are some of the most affordable Trenton, NJ car insurance companies. Liberty Mutual offers Trenton, NJ auto insurance a monthly rate of $88.

Did you know that cheap auto insurance in Trenton, NJ is actually really easy to find? At, we can show you exactly how to do that.

We have the resources, the tools, and the knowledge that you need in order to get the most affordable Trenton, NJ auto insurance you can find in your ZIP code. Just keep reading if you want to learn more.

Trenton, the capital of New Jersey, has a long and tumultuous history. Historical record claims that the city has existed since the summer of 1719, despite the fact that its boundaries weren’t officially established until almost a year later.

The city is Infamous for the Civil Rights Riots of 1968, shortly after the most influential civil rights leader in the history of the US, Doctor Martin Luther King Jr., was murdered in Memphis on April 4th.

Fun fact: If you want to get your dream construction project off the ground, head to Trenton; it’s #1 on the list of “Top 101 cities with the lowest cost per building permit (population 50,000+)”.

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Trenton, NJ Driving Facts

The auto insurance coverage requirements in New Jersey are:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 5,000 50,000
Uninsured Motorist Bodily Injury 15,000/30,000 15,000/30,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

The bare minimum amount of insurance coverage you must buy in order to drive legally is usually referred to as “liability coverage” or “liability only”.

Basically, it means that if you cause an accident – even if you are only partially at fault – your insurance company will pay out the claims of the injured parties up to the limits of your policy. Any additional funds beyond that will be your financial responsibility.

But you may want to consider whether or not you need higher liability coverage limits in order to protect your other assets – such as you’re home, savings accounts, and more – in the event that you caused a very expensive accident that your insurance company can’t cover.

Most of the drivers in Trenton right now are paying at least $108 a month for their insurance coverage. Personally, we think this is a little outrageous.

We have good reason to think so; we’ve helped hundreds of drivers save over 49 percent off their monthly policy in a matter of minutes. And we hope to make you a member of that club very soon. Why not start today?

Enter your ZIP code below to compare auto insurance rates.

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Cheapest Car Insurance in Trenton, NJ

Average Monthly Auto Insurance PremiumsLegend: Trenton Liberty MutualPlymouth RockPenn NationalState FarmHanover 153045607590105120135150165$88$109$127$162$178

Plymouth Rock and Liberty Mutual are undercutting the competition in Trenton right now by anywhere from $40 to over $100 per month for certain drivers. But that is based on our rough estimates. It takes a lot more information to come up with an accurate quote if you’re comparison shopping by yourself.

But we can make that process much faster and easier for you.

New Jersey auto insurance auto insurance companies have complicated ways of calculating your premiums.

There are a lot that factors into their decision, including your risk as a driver, their need to make a profit (or at least break even), and the conditions of the roads in the city live. And that’s just the tip of the iceberg.

Major Factors in Cheap Car Insurance in Trenton, New Jersey

There are several ways in which Trenton, NJ auto insurance rates can be calculated. But not all of it is out of your control; there are actions you can take to be able to influence which discounts you are eligible to acquire.

Listed below are some of these elements in greater detail:

Your ZIP Code

There are many different specific statistical data points that are measured in your ZIP code – and every ZIP code, for that matter – on a regular basis.

Your insurance company will analyze that data and determine your risk of filing a claim based on things like population density and rush hour traffic. The population in Trenton is 84,065 with an average household income of $31,592.

Auto Insurance by ZIP CodeLegend: Trenton Jersey City Newark State FarmLiberty MutualHanover 153045607590105120135150165$162$109$124$88$72$96$178$144$164

Automotive Accidents

There were only nine fatal accidents in Trenton the last time anyone checked. While this is fairly low, there’s certainly room for improvement. It’s difficult to determine whether or not these statistics will help you get a more affordable monthly car insurance premium.

But it won’t hurt to take this information to your insurance agent and ask them for more details.

Fatal Accidents in Trenton, NJLegend: Trenton Fatal AccidentsVehicles Involved in Fatal AccidentsFatal Crashes Involving Drunk PersonsFatalitiesPersons Involved in Fatal CrashesPedestrians Involved in Fatal Crashes 123433342

Auto Thefts in Trenton

According to the most recent data available, there were 373 stolen vehicles reported in Trenton last year. This number may sound high, but it’s still pretty low compared to New Jersey averages and previous years in Trenton.

Still, it doesn’t hurt to be proactive and take an extra step to further protect your vehicle.

A passive anti-theft alarm device could get you a few percentage points off your monthly premium. The discount you get means that eventually, the alarm system will pay for itself.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage State FarmLiberty MutualHanover 255075100125150175200225250275300$162$302$88$144$178$275

Your Credit Score

If you have a high credit score, you’re in luck! Car insurance companies love offering discounts to drivers who have high credit scores. They do this because they assume that you won’t have any trouble paying your monthly premiums on time and in full when your bill is due.

Some also believe that having a high credit score is a sign of responsibility over your finances – and optimistically hope that this means you will be just as responsible on the road as you are with your money.

Auto Insurance by Credit ScoreLegend: Good Credit Poor Credit State FarmLiberty MutualHanover 255075100125150175200225250275300$162$289$88$153$178$307

Your Age

The older you are – up to a certain point, of course – the safer you are behind the wheel. At least, this is what your car insurance company believes.

The fact that you have more experience behind the wheel compared to drivers your junior reduces your statistical likelihood of getting into an accident. Since your insurance company doesn’t anticipate paying out claims as often for you, they won’t charge you as much for your policy.

As a matter of fact, the lack of driving experience which is so common among young people is so heavily stigmatized in the auto insurance industry that they may be charged five times as much or more over a 70-year-old driver whose hearing, vision, and motor skills are severely compromised.

Auto Policy Age ComparisonLegend: 35 Year Old Driver 17 Year Old Driver State FarmLiberty MutualHanover 4080120160200240280320360400440480$162$515$88$346$178$455

Your Driving Record

The more accidents, claims, and driving violations you have on your record, the more expensive your monthly premiums will be.

Obviously, something as serious as a DUI or a fatal accident will send your monthly premium skyrocketing; extremely serious violations make completely negate your eligibility for coverage from a particular insurance provider.

But the longer you can go without an accent and the more of an effort you make to prove your safety behind the wheel (defensive driving courses can help), the easier it will be to save at least some money.

Driving ViolationsLegend: Perfect Record Minor Violation Major Violation State FarmLiberty MutualHanover 4080120160200240280320360400440480$162$221$419$88$108$209$178$238$515

Your Vehicle

If you are leasing your vehicle or if you are still paying off a car loan from a bank, you may not have the luxury of only purchasing a minimal amount of coverage.

Entities with a stake in your asset will want the vehicle protected with things like gap loss coverage, collision, comprehensive, and more. Even if your vehicle is completely paid off and you own it outright, you may still want to think about purchasing these coverages.

In the event that your vehicle is damaged in an accident that is not your fault, you’ll be 100 percent responsible for the repair or replacement costs if all you have is liability coverage.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2015 Chevy Corvette State FarmLiberty MutualHanover 306090120150180210240270300330360390420$162$431$88$213$178$435

Minor Factors in Cheap Auto Insurance in Trenton, New Jersey

Of course, tweaking some of the factors below can add up to some extra savings over time:

Your Marital Status

Are you married? If so, are you and your partner together on the same auto insurance policy with the same company? If you aren’t, you should at least think about making the switch.

Bundling together with your partner can get you around 10 percent off your monthly premiums. And if you’re not married, well…

We’re not saying you should tie the knot just to save money on your car insurance because that would be silly. But it’s something to think about.

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Your Gender

Is it okay to say that women are safer drivers than men? We imagine there’s mountains of data – no matter how flawed – which can back up one side or the other. But the important thing is what your insurance company believes.

Even though it’s probably no more than two to three percentage points, some insurance companies may offer one gender at discount over the other if they think one is safer behind the wheel than the other.

But many more insurance companies these days don’t factor gender in it all when coming up with premium calculations. It’s important for you to ask Trenton, NJ auto insurance companies whether or not they still follow this practice or not if you want to get the best deal.

Your Driving Distance to Work

Commute times in Trenton are actually pretty good despite the city’s size and location. Most workers can spend as little as 10 minutes or as much as 25 minutes driving into the office. What’s better is that only about 51% of the people who live in the city actually drive to work on their own. Another 24% will carpool and to just under 10% will take the bus; this means that there are fewer people on the road and a slightly smaller chance of getting into an accident.

Have you enrolled in a mileage tracker program with your car insurance provider? These programs not only track how many miles you drive but also when you drive them (because driving most of your miles outside of rush hour traffic is much safer than only driving to and from work).

The fewer miles you drive and the safer times during the day that you drive them, the closer you can get to saving up to 33 percent or more of your monthly premiums!

Your Coverage and Deductibles

Yes, it’s true: you can lower your monthly premiums overall by raising your deductible on things like Collision or Comprehensive coverage.

However, it can be a risky gamble if you are not a very safe driver, and end up having to file a claim (but not enough money in the bank to pay your deductible).

Education in Trenton, NJ

Unfortunately, getting a higher education doesn’t seem to be the highest priority for the majority of drivers in Trenton. 37 percent Of residents stopped pursuing a formal education after they graduated high school, while another 26 percent have yet to finish their requirements or go back and get a GED.

The thing is, though, more and more auto insurance companies are starting to offer discounts to college graduates. And with some companies, those discounts aren’t so modest.

So if you were looking for an excuse to go back to school and get a better education, you’re welcome!

There is a small but substantial collection of schools in Trenton you can attend if you want to get a higher education near where you live.

For starters, there’s the Thomas Edison State College where you can take your education all the way up to the level of a master’s degree. And it’s a public school, too, so you will have better access to financial aid resources.

There’s also the St Francis Medical School of Nursing were you can not only gEt a nursing degree, but you can also get a radiologic technology degree from the medical center. There are also a variety of lesser-known colleges and community colleges within four to 17 miles outside of the Trenton city limits, too.

There are many things to consider beyond just the price point when you’re shopping around for a new auto insurance policy. You’re also going to want to look at customer service and reliability when it comes to a company, as well as their financial stability.

After all, what good is a cheap auto insurance policy if the company is going to leave you high and dry when you need them the most? Furthermore, what if there are insurance providers near you who are willing to offer both – the best car insurance in Trenton, NJ with the best service – and you don’t even know they exist?

We can help you discover them. All we need is 5 minutes of your time and your ZIP code, and you can get several fast, accurate Trenton, NJ auto insurance quotes from insurance companies near you.

Use our FREE quote tool to compare now!

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How We Conducted Our Car Insurance Analysis

*We calculated our average car insurance cost based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.



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