Car Insurance in Vineland, NJ
Grapes, poultry, and dandelions have all played a part in the history of Vineland, New Jersey. Once known as the “Egg Basket of America” because of the chicken farming industry in the area, Vineland’s fertile ground also helped supply the fruit for Welch’s Grape Juice. The grape vines grown in the region gave the city its name.
Officially formed in 1952 through a merger of Vineland Borough and Landis Township, the city of Vineland is now home to almost 60,000 residents.
Whether you are driving down Landis Avenue or cruising Route 47 from Millville to Franklin Township, you’ll want to make sure that you have at least the minimum car insurance coverage required in Vineland.
Quick Facts
- The average cost of car insurance in Vineland is $2,028 for full coverage per year.*
- There were 6 fatalities out of four fatal crashes in Vineland in 2020.
How Much Does Car Insurance Cost in Vineland, New Jersey?
Drivers in Vineland pay an average of $924 for the state-required minimum car insurance and $2,028 for full coverage per year. That’s a little more than the state average of $847 for minimum coverage and $1,757 for full coverage. The national average for full coverage car insurance is $1,674 and $565 for minimum annually.
Here is how Vineland stacks up against other New Jersey cities. Rates may be cheaper in rural areas where there are less accidents and car-related crimes.
| City | Average Annual Car Insurance Costs Full Coverage/Minimum |
|---|---|
| Newark | $3,048/$1,284 |
| Jersey City | $2,580/$1,092 |
| Trenton | $2,484/$1,116 |
| Lakewood | $2,088/$984 |
Vineland Low Cost Car Insurance Rates by Zip Code
Costs for car insurance in Vineland can vary depending on what zip code you live in. Areas with high crime and vehicle thefts typically have higher car insurance costs. Vineland encompasses three different zip codes. Residents living in the 08361 zip code of Vineland pay considerably less for car insurance than the other areas of the city.
The average monthly rates for car insurance in the different Vineland zip codes are:
| Zip Code | Average Annual Car Insurance Cost Full Coverage/Minimum |
|---|---|
| 08360 | $2,028/$924 |
| 08361 | $1,992/$852 |
| 08362 | $2,028/$924 |
Affordable Vineland Car Insurance Rates by Age
Your age is another main factor that impacts the price you’re charged for car insurance premiums. The difference in cost is based on the risk factors associated with each age group. For example, teenagers are at higher risk than drivers in their 40s and 50s. In Vineland, teen drivers will have to pay over three times that of drivers in their 50s.
The average annual rates for car insurance in Vineland by age are:
| Age | Average Annual Car Insurance Cost Full Coverage/Minimum |
|---|---|
| 16 | $7,896/$3,252 |
| 20s | $3,936/$1,620 |
| 30s | $2,028/$924 |
| 40s | $1,956/$912 |
| 50s | $1,836/$912 |
| 60s | $1,788/$888 |
| 70s | $1,860/$888 |
*Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Vineland
How Many Fatal Accidents Happen in Vineland?
According to the New Jersey State Police, 6 people were killed in 4 traffic accidents in Vineland in 2020. The intersection of North Mill and Garden roads in Vineland is considered the most dangerous in the city due to the high number of accidents and close calls.
How Are the Road Infrastructure and Bridges in Vineland?
A 2018 reexamination of the city of Vineland’s master plan found that most Cumberland County roads with high accident rates are located within the Vineland city limits. The report states that the city must evaluate its roadways to enhance traffic safety throughout Vineland and the surrounding county.
Overall, the state of New Jersey gets a D on their roadways, according to the American Society of Civil Engineer’s 2021 annual infrastructure report card. With over 37 percent of the state’s roads in poor conditions, New Jersey motorists pay an extra $713 per year due to driving on roads needing repair, the ASCE reports. The group also found that almost 8% of the state’s 6,786 bridges are structurally deficient.
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Minimum Car Insurance Requirements in Vineland
All drivers in New Jersey must carry car insurance. Because the state is a no-fault state, you must carry no-fault insurance, or personal injury protection insurance (PIP), in Vineland. The minimum auto insurance coverage required in Vineland is:
- $15,000 in personal injury protection coverage
- $15,000 for bodily injury liability insurance per person
- $30,000 for bodily injury liability insurance per accident
- $5,000 for property damage coverage per accident
- $5,000 for uninsured motorist coverage per accident
Drivers in Vineland have the option of getting a standard policy that offers different coverage options or a basic policy that just meets the state-required minimums for car insurance. Although basic policies can be less expensive, their benefits are limited.
Factors Allowed in Vineland Car Insurance Rates
When looking for cheap car insurance in Vineland, it’s important to know what factors insurance companies look at to determine the cost of your premium. If you’ve had a lot of speeding tickets, then your car insurance premiums are going to be more expensive than if you have a good driving record.
In Vineland, some of the factors car insurance companies can look at when determining your rates are:
- Age
- Gender
- Marital status
- Credit score
- Vehicle type
- Driving record
- Education
- Occupation
Discounts for Car Insurance in Vineland
A clean driving record can also get you discounts on your car insurance in Vineland. For example, a Good Driver Discount rewards drivers with lower premiums if they haven’t had any moving violations or at-fault accidents within the last three years. To ensure that you get the cheapest car insurance rates you can get, you should look into different discounts available to help bring the cost of your premiums down.
Other discounts that could be available to Vineland residents include:
Good Student Discounts – These discounts are given to young drivers who maintain a “B” average or higher in school.
Continuously Insured Discount – If you’ve been insured for six months or more and haven’t let your policy lapse, then you may be eligible for this discount.
Driver Education – Drivers over age 50 qualify for a discount on their car insurance if they complete a defensive driving course.
Vehicle Safety Discount – You could be eligible for a discount if your car has certain vehicle safety equipment such as anti-lock brakes, airbags, and anti-theft devices.
Paperless billing or paying your annual premium upfront – Saving your insurance company administrative costs can translate into savings for you.
Military – Are you a current or former member of the Armed Forces?
It’s important to check with your agent periodically or if your circumstances change to find out if you can add some discounts to your policy premium.
What Are the Penalties for Driving Without Insurance in Vineland?
You don’t want to get caught without car insurance in Vineland. New Jersey has some of the harshest penalties for driving without car insurance in the country. The penalties can include high fines, a year or two-year suspension of your driver’s license, and even up to 14 days in jail.
Fines range from $200 to $1,000 for a first offense and between $500 to $5,000 for any offense after that. You could also be required to file an SR-22 certificate with the state.
Get a Quote for Car Insurance in Vineland Today!
In the long run, having car insurance that covers the minimum requirements is cheaper than getting caught without any insurance coverage. At Freeway Insurance, we can help you find the cheapest car insurance rates in Vineland. Get started with a quote online or visit an office near you. You can also call us at (800) 777-5620 to get started.