Car Insurance in Perth Amboy, NJ

Drive confidently with the right auto insurance policy for your Perth Amboy car.

Compare, shop and customize quotes from top-rated insurance carriers.

The Need for Car Insurance in Perth Amboy, NJ

Perth Amboy rests along the eastern coast of New Jersey, just across the Arthur Kill Channel from Staten Island. It offers a scenic location with easy access to NYC by road or public transit. Ongoing infrastructure improvements make driving in Perth Amboy safer and less stressful.

Despite a plethora of public transportation options, roughly 78% of Perth Amboy residents drive their own car alone to work each day, while almost 10% carpool with others. Drivers typically spend 26 minutes each way commuting to work.

High rates of car thefts in New Jersey have raised concerns among lawmakers and citizens. Luckily, car theft rates in Perth Amboy are lower than the state average, with 105.1 per 100,000 residents reported in 2020. Still, it is a good idea to talk with a VIU by HUB broker about comprehensive insurance coverage that protects against losses due to theft.

Coverage Requirements for Car Insurance in Perth Amboy, NJ

New Jersey laws require all drivers to carry a minimum level of personal injury protection coverage. A standard policy must have the following minimum coverage levels :

Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000
Personal injury protection: $15,000
Uninsured/underinsured motorists: optional coverage usually matches liability limits

The Automobile Insurance Cost Reduction Act added an option for basic coverage that can exclude liability protections. Basic policies must provide per-accident coverage of at least $15,000 per person PIP and $5,000 in property damage protection. There is no requirement for uninsured/underinsured motorists and liability protection of up to $10,000 is an available option. This type of policy leaves drivers vulnerable to legal claims and the cost of possible settlements.

Collision and comprehensive coverages are available options that pay for damages to your personal vehicle after an accident or covered event. Collision applies to accidents with other vehicles and certain stationary objects, such as fences or trees. Comprehensive coverage covers incidents such as theft, fire, or certain weather-related events.

Costs of Car Insurance for Perth Amboy, NJ, Drivers

The average cost for car insurance in Perth Amboy, NJ, with minimum coverage limits is $2,850 per year. or $237 per month. A full-coverage policy can cost as much as $6,539. This is significantly higher than rates in other parts of the state.

Various factors impact car insurance rates, and Perth Amboy policies tend to be high because of the city's population density and high accident rate. However, New Jersey drivers may be able to save on insurance costs by taking advantage of discounts.

Other factors that influence the cost of car insurance in Perth Amboy, NJ, include:

Driver age: Younger drivers tend to pay more than more experienced ones for car insurance.
Driving record: Drivers with a history of accidents or other claims (theft, vandalism, glass, etc.) pose a greater risk for insurers compared to those with few claims.
Vehicle type: Your vehicle type and age impact repair costs and how likely it is to become a victim of theft.
Length of commute: Vehicles used for short commutes or occasional pleasure travel are less of a risk compared to those used for long daily commutes to work or school.
Coverage amounts: The amount of coverage you choose directly affects the policy price, with higher coverage amounts costing more than minimums.

Buying car insurance in Perth Amboy, NJ, can be a daunting task. Luckily, drivers can save on car insurance by comparing rates from multiple providers with VIU by HUB.

This information is intended for general informational purposes only and is not intended to constitute legal advice.