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The Cheapest Car Insurance for Hackensack Drivers
The Cheapest Car Insurance for Hackensack Drivers
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New Jersey.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
Learn more about our insurance review board
What's on this page?
- How to find the cheapest car insurance in Hackensack
- Best Car Insurance Companies in Hackensack
- Best cheap car insurance quotes in Hackensack
- Car insurance quotes in Hackensack by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Hackensack?
- Cheap car insurance quotes in Hackensack after driving violations
- Cheap car insurance quotes in Hackensack by age
- Cheap car insurance quotes in Hackensack based on insurance history
- Cheap car insurance quotes in Hackensack for popular cars
- How to lower car insurance costs in Hackensack
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Hackensack
On average,
auto insurance
in Hackensack costs about $154 per month for minimum coverage liability insurance, and about $218 per month for full coverage insurance. Hackensack drivers pay 31% more than the New Jersey
average. Jerry Insurance Agency
is here to help Hackensack drivers with a valuable insurance comparison app, which efficiently reviews and analyzes multiple quotes
, allowing you to quickly select the customized policy that meets both your needs and your budget. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $140 | Cory, 52 Zip: 07601 | Ford Escape SE | • 25,000/50,000 Liability |
Travelers | $201 | Celia, 45 Zip: 07601 | Acura TLX Tech | • 100,000/300,000 Liability • Comp / Collision |
| Nationwide | $133 | Duane, 34 Zip: 07601 | Honda Accord Sport | • 50,000/100,000 Liability • Comp / Collision |
Mercury | $338 | Landon, 47 Zip: 07601 | Toyota Highlander XLE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 26, 2025Best Car Insurance Companies in Hackensack
For Hackensack drivers, there’s no single “cheapest” auto insurance provider out there—instead, you have to carefully shop around for the best priced personalized motorist coverage.
But we can point you in the right direction! To determine who offers the cheapest car insurance rates in Hackensack, Jerry conducted the most extensive insurance shopping survey in the industry.
Some research finds that
GEICO
offers the cheapest car insurance rates in Hackensack, but many users report that these low introductory rates increase significantly after a claim is filed, making the premiums much less affordable. Your coverage rates are highly personalized based on your individual needs and circumstances and will vary greatly from your friends’ and neighbors’ rates in Hackensack.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
Geico | 4.5 | 3.9 | 4.4 | 4.6 |
| Progressive | 4.5 | 3.9 | 4.1 | 4.5 |
State Farm | 4.2 | 3.7 | N/A | 4.2 |
| Allstate | 4.2 | 3.3 | N/A | |
Liberty Mutual | 3.5 | 2.8 | N/A | 3.5 |
Best cheap car insurance quotes in Hackensack
For Hackensack drivers, there’s no single “cheapest” auto insurance provider out there—instead, you have to carefully shop around for the best priced personalized motorist coverage.
But we can point you in the right direction! To determine who offers the cheapest car insurance rates in Hackensack, Jerry conducted the most extensive insurance shopping survey in the industry.
Some research finds that
GEICO
offers the cheapest car insurance rates in Hackensack, but many users report that these low introductory rates increase significantly after a claim is filed, making the premiums much less affordable. Your coverage rates are highly personalized based on your individual needs and circumstances and will vary greatly from your friends’ and neighbors’ rates in Hackensack.
Cheap minimum liability insurance quotes in Hackensack
- $30,000 in bodily injury liability per accident
You’ll commonly see this referred to as the 15/30/5 rule.
Bristol West
Claudia (61 years old)
CoverageState Minimum
Hackensack, NJ (Zip Code: 07601)
Honda CR-V LX$144
per month
Do you need more than minimum coverage in Hackensack?
Liability coverage is the part of car insurance that pays for the injuries or damage you cause in an at-fault accident. But there’s a good chance that the damage will exceed the 15/30/5 limits established by
New Jersey insurance laws
.For this reason, Hackensack drivers should purchase a more robust liability insurance policy.
Cheap full coverage car insurance quotes in Hackensack
In Hackensack, drivers are not legally required to carry full coverage car insurance (although auto loan providers typically require it
before completing a vehicle sale
), but that doesn’t mean the coverage isn’t valuable. Full coverage includes
comprehensive
and collision coverage
to pay for damages to your vehicle in the event of an at-fault accident or non-collision-related event (like vandalism, natural disasters, and even theft). | Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $358 | Myrtie, 50 Zip: 07601 | KIA Forte GT Line |
• 15,000/30,000 Liability • Comp / Collision | Safeco | $102 | Martha, 55 Zip: 07601 | Lexus GS 450H |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $201 | Celia, 45 Zip: 07601 | Acura TLX Tech |
• 100,000/300,000 Liability • Comp / Collision | Mercury | $338 | Landon, 47 Zip: 07601 | Toyota Highlander XLE |
• 25,000/50,000 Liability • Comp / Collision | Plymouth Rock | $455 | Amy, 35 Zip: 07601 | Nissan Altima 2.5 |
Last Updated Jan 30, 2025The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Average cost of car insurance in Hackensack, New Jersey
Hackensack car owners can expect to spend an average of $218 per month and $2,615 per year on full-coverage car insurance, or $154 per month and $1,848 per year on liability-only coverage.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $172 | $2,064 |
Full coverage | $199 | $2,392 |
It’s important to keep in mind that these numbers are just estimated averages for the “average” Hackensack driver. The actual rates you’ll pay depend on a wide variety of factors, including your vehicle type, driving record, claims history, exact location, credit score, and more. Your insurance costs could be significantly more or less than the averages articulated above.
Average cost of car insurance in Hackensack by zip code
Within Hackensack, every zip code has a unique risk profile. Some areas experience more traffic accidents or auto thefts, for instance. If you live in a riskier zip code, you’ll be flagged as a “high-risk” policy and you’ll pay more for coverage.
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"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Hackensack by rating factors
Insurance companies in Hackensack use many rating factors when
deciding your auto insurance premium
: - Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The type of car you drive: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
How Do Different Factors Impact Your Car Insurance Costs in Hackensack?
How Do Different Factors Impact Your Car Insurance Costs in Hackensack?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): New Jersey currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Hackensack:
Cheap car insurance quotes in Hackensack after driving violations
If insurance companies observe a track record of violations, they consider you to be a
high-risk driver
, resulting in higher insurance premiums being charged.Cheapest car insurance in Hackensack after speeding ticket
In Hackensack, speeding violations are typically categorized into different levels based on the extent to which the speed limit was exceeded. These levels often include 1-5 MPH over the limit, 6-10 MPH over the limit, 11-15 MPH over the limit, 16-20 MPH over the limit, and exceeding the speed limit by more than 21 MPH.
While receiving a
speeding ticket
in Hackensack is likely to result in increased insurance premiums, Jerry is an excellent resource for helping you find ways to minimize your costs. | Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 16-20 | Travelers | $201 | Lillie, 45 Zip: 07601 | Acura TLX Tech | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest car insurance in Hackensack after DUI
In Hackensack,
DUI violations
are taken very seriously and thus generally result in a significant increase in car insurance rates compared to other violations. Finding the cheapest insurance options after a DUI often requires comparing
car insurance quotes
from multiple insurers, and Jerry can simplify the process of finding the lowest rates.
Cory (52 years old)
$140
per month
Plymouth Rock
Isaiah (34 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Hackensack, NJ (Zip Code: 07601)
$123
per month
Cheapest car insurance in Hackensack after an at-fault accident
Your history of car accidents or claims heavily impacts your car insurance rates.
For every Hackensack driver, insurance companies thoroughly examine previous at-fault accidents to determine the level of risk. If you have recently been involved in an at-fault accident, it is likely that your car insurance rates will see a significant increase.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $258 | Alma, 55 Zip: 07601 | Nissan Altima 2.5 | • 15,000/30,000 Liability |
At Fault With No Injury | Travelers | $201 | Roxie, 45 Zip: 07601 | Acura TLX Tech | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Plymouth Rock | $273 | Vincent, 47 Zip: 07601 | Toyota Highlander XLE | • 100,000/300,000 Liability • Comp / Collision |
At Fault With Injury | Nationwide | $133 | Linnie, 34 Zip: 07601 | Honda Accord Sport | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest car insurance in Hackensack after other driving violations
Apart from speeding tickets and DUIs, other violations—such as
reckless driving
and driving with a suspended license—can result in increased car insurance costs in Hackensack.Jerry has helped drivers with various driving violations find affordable car insurance quotes from great providers.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Bristol West | $261 | Don, 53 Zip: 07601 | Chevrolet Suburban K1500 LT | • 25,000/50,000 Liability |
Wrong Way/Wrong Lane | Bristol West | $144 | Patrick, 61 Zip: 07601 | Honda CR-V LX | • State Minimum Liability |
Cell Phone | Plymouth Rock | $149 | Sally, 29 Zip: 07601 | Nissan Sentra S | • 15,000/30,000 Liability • Comp / Collision |
Careless Driving | Progressive | $144 | Oscar, 46 Zip: 07601 | Toyota Camry L | • 25,000/50,000 Liability • Comp / Collision |
Driving on Sus. License | Plymouth Rock | $132 | Travis, 32 Zip: 07601 | Lexus ES 300 | • 15,000/30,000 Liability |
Failure to Obey Signal | Bristol West | $261 | Caleb, 53 Zip: 07601 | Chevrolet Suburban K1500 LT | • 25,000/50,000 Liability |
Last Updated Jan 30, 2025Cheap car insurance quotes in Hackensack by age
Teen drivers in Hackensack are generally the least experienced motorists on the road, which means they’re a higher risk to insurance companies. For this reason, young people tend to pay the highest rates in Hackensack, with premiums decreasing after they reach the age of 25.
Conversely, rates will start to go up again around the age of 75.
Cheapest car insurance in Hackensack for young drivers
16 to 19 year olds pay the highest
car insurance premiums
in Hackensack when compared to other age groups.If you’re a teen driver in Hackensack with a newer vehicle (or an older driver with a
provisional license
) it’s important to invest in full coverage insurance—especially due to the higher likelihood of young drivers to be involved in a collision. Full coverage insurance may cost more, but it provides essential financial protection after an accident. And Jerry can help you find savings on a great policy!
Maude (22 years old)
Coverage15,000 per person
30,000 per accident bodily injury
Hackensack, NJ (Zip Code: 07601)
$384
per month
Plymouth Rock
Callie (22 years old)
Coverage15,000 per person
30,000 per accident bodily injury
Comp / Collision
Hackensack, NJ (Zip Code: 07601)
$306
per month
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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I'm 19 years of age, with previous driving experience. This company has provided a cheap reliable insurance as well this app.
Caden
Travelers insurance has very competitive process with top notch coverage. Wouldn't think of using anyone else
Alex
I am very excited to have progressive as my first auto insurance, very low rate and great coverage
Mohammed
Since having Mercury bundle insurance package it's been very easy to navigate the online system and complete task. I rate them a 10
Vieshia
Cheap car insurance quotes in Hackensack based on insurance history
Your insurance history plays a crucial role in determining your car insurance rates—specifically, whether you currently have coverage or not.
Hackensack drivers with a
policy lapse
usually have higher insurance rates. To assist customers in making timely insurance payments and avoiding coverage lapses, Jerry sends payment reminders to eligible Hackensack customers. These reminders are sent when a payment is approaching or overdue.We have successfully helped countless drivers in Hackensack who are currently uninsured or have experienced coverage lapses in finding affordable coverage.
Hulda (52 years old)
$140
per month
Travelers
Roxie (45 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Hackensack, NJ (Zip Code: 07601)
$201
per month
Rodney (34 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Hackensack, NJ (Zip Code: 07601)
$133
per month
Cheap car insurance quotes in for drivers with poor credit
drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $140 | Hulda, 52 Zip: 07601 | Ford Escape SE | • 25,000/50,000 Liability |
660 - 750 | Safeco | $102 | Julian, 55 Zip: 07601 | Lexus GS 450H | • 15,000/30,000 Liability • Comp / Collision |
660 - 750 | Plymouth Rock | $127 | Carlos, 36 Zip: 07601 | Audi A4 Premium | • 15,000/30,000 Liability |
550 - 659 | Bristol West | $216 | Lucinda, 48 Zip: 07601 | GMC Terrain SLE | • 25,000/50,000 Liability |
< 550 | Bristol West | $294 | Blanche, 31 Zip: 07601 | Hyundai Tucson Limited | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheap car insurance quotes in Hackensack for popular cars
If you’re a Hackensack driver shopping for a vehicle that will keep your car insurance rates as low as possible, don’t opt for a luxury SUV or sports car. Instead, look at popular makes and models like:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Ford Escape SE | Progressive | $140 | Hulda, 52 Zip: 07601 | • 25,000/50,000 Liability |
Last Updated Jan 30, 2025Cheapest car insurance in Hackensack for new vs. old car
Because new cars tend to be more expensive to repair and replace, the cost of insuring them is usually higher.
In Hackensack, we found that the average monthly cost of full coverage car insurance on a vehicle that is four years old or newer will cost about $225 per month. For a vehicle that is more than a decade old, the monthly cost for Hackensack drivers who want full coverage is about $266.
Cory (52 years old)
$140
per month
Travelers
Celia (45 years old)
2017 Acura TLX Tech
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Hackensack, NJ (Zip Code: 07601)
$201
per month
Plymouth Rock
Amy (35 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Hackensack, NJ (Zip Code: 07601)
$455
per month
Bristol West
Irene (31 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Hackensack, NJ (Zip Code: 07601)
$294
per month
Mercury
Franklin (31 years old)
Coverage15,000 per person
30,000 per accident bodily injury
Comp / Collision
Hackensack, NJ (Zip Code: 07601)
$230
per month
How to lower car insurance costs in Hackensack
1. Shop around and compare quotes
Finding car insurance is a pain—and you’re probably overpaying. But getting quotes from multiple companies is the only way to guarantee that you’re actually getting the best rate.
Hackensack drivers can compare quotes quickly with the
Jerry
app. If you have a smartphone and 60 seconds, you can find the best rates in Hackensack for your unique driver profile. The service is 100% free and you could save a ton of money by shopping around. 2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the options vary. Some discounts common to most companies include: - Good driver discounts. If you have a squeaky clean driving record, you could unlock a good driver discount. This means no at-fault accidents and minimal points on your record. At some companies, it’s called a safe driver discount.
- Telematics discounts. With discounts just for signing up, telematics programs are an easy way to save money. They track your driving behavior and reward you for safe behavior!
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3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance in Hackensack , increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Hackensack so expensive?
- Personal injury protection (PIP) coverage requirement: New Jersey is a no-fault insurance state, which means that drivers in Hackensack are required to have PIP coverage. PIP coverage provides medical benefits for injuries sustained in auto accidents, and the cost of this coverage can contribute to higher insurance premiums.
- Auto theft rates: Some areas have higher rates of auto theft, which increases the risk of vehicle loss or damage. Insurers may charge higher premiums to compensate for the elevated risk.
- Lawsuits and litigation: New Jersey has a higher prevalence of lawsuits and litigation related to auto accidents compared to other states. This can increase insurance costs for Hackensack drivers as insurers need to allocate funds for potential legal expenses and settlements.
FAQ
How much is car insurance in Hackensack?
People living in Hackensack pay on average $154 per month – or $1,848 per year – on state-minimum liability coverage. Full coverage in Hackensack costs on average $154 per month of $2,615 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Hackensack?
Based on thousands of Hackensack drivers Jerry has worked with, car insurance in Hackensack costs an average of $154 per month for state-minimum coverage and $218 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Hackensack?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Bristol West
, SafeC0
, and Travelers
receive good ratings from Hackensack drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Hackensack, New Jersey?
- $30,000 in bodily injury liability per accident
You’ll commonly see this referred to as the 15/30/5 rule.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.