Car Insurance in Bayonne, NJ
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Living and Driving in Bayonne, NJ
Situated on a peninsula in Hudson County, Bayonne is one of the Garden State's most population-dense cities. As of the 2020 U.S. Census, nearly 72,000 people call this city home, many drawn by its prime location minutes from Manhattan. With so many drivers on the road, car insurance in Bayonne, NJ, provides essential protection.
Although Bayonne has extensive public transit, it's also a highway hub with direct access to I-95, the Newark Bay Bridge, the New Jersey Turnpike and other major roadways. Because the cost of living here is well above the average for both the state and the U.S., it's important to get car insurance quotes from multiple providers to find affordable coverage.
Car Insurance Concerns in Bayonne
Even though New Jersey has a lower accident rate than most other states, serious accidents related to factors like distracted or drunk driving have increased for the past several years. In 2022, the state had 707 car accident fatalities. the highest annual rate since 2007. Trustworthy, comprehensive car insurance in Bayonne, NJ, pays for medical costs and property damage related to covered collisions.
On the other hand, Bayonne has a very low rate of property crimes. The per capita rate of incidents like theft and vandalism is just 1.1 per 100 residents, compared to an average of 1.3 for New Jersey and 2.1 for the entire U.S. Although the city's dense traffic and miles of highways could increase your risk of an auto accident, this factor helps keep premium costs down.
The Price of Auto Insurance in Bayonne
Bayonne is one of the most affordable large cities in N.J. for auto insurance. The average policy costs $2,096 per year according to U.S. News and World Report. Although it's less expensive than cities like Newark and Paterson, Bayonne is still well above the state average auto insurance premium and the average U.S. cost of $1,543 annually.
Even though car insurance in Bayonne can be costly, prices vary dramatically depending on where exactly you live. Insurance providers often charge different rates from one neighborhood to the next based on the likelihood of an auto accident or car theft in that area. Looking at quotes from several providers to find the best prices is easy with VIU by HUB.
Auto Insurance Requirements for Bayonne Drivers
Because of the state's higher-than-average car insurance costs, the Motor Vehicle Commission offers two choices for coverage. The basic policy is more affordable but limits property damage liability to $5,000 per accident and limits the right to sue. The limit for optional bodily injury liability coverage is $10,000 per accident.
The standard policy costs more but enhances your protection in an accident. You can opt for property damage liability of $25,000 or more per accident and a minimum of $25,000 per person and $50,000 per accident for bodily injury liability. You can select either a limited or unlimited right to sue. Uninsured motorist coverage is also available with the standard N.J. auto insurance policy.
Both basic and standard policies include up to $15,000 in personal injury protection per accident. This type of coverage pays for medical expenses no matter who caused the accident.
With the high cost of living in this part of New Jersey, it makes sense to save money wherever you can. To reduce the cost of your car insurance in Bayonne, shop around to get multiple quotes in minutes with VIU by HUB.
This information is intended for general informational purposes only and is not intended to constitute legal advice.