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Find a therapist in Trenton, NJ — covered by insurance

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Top therapists in Trenton, NJ accepting new patients

Looking for a therapist in Trenton? Headway offers 4,571 licensed providers across the city, including Chambersburg, Old Mill Hill, and Downtown neighborhoods. Many sessions are covered by insurance, and free consultations are available to help you find the right fit.

Pauline Pernini

Pauline Pernini

Therapist

Virtual & in-person • 21 mi away • Flemington, NJ


I am a Licensed Clinical Social Worker dedicated to providing the most effective treatment approaches to help my clients achieve their life goals and be the best that they can be. Over the past twenty years, I have been helping children, teens and adults face and overcome problems that may prevent them from reaching their fullest potential. These difficulties may include ADHD, depression, anxiety, trauma or adjustment problems related to life events such as a death or divorce. I will help you determine what may be underlying the problem and develop an effective treatment plan to address the issues and achieve your goals.

ADD/ADHD, Anxiety, Depression, Family issues, PTSD
Empowering, Open-minded, Warm
Accepts 1 insurance carrier
Dr. Michael Palmer

Dr. Michael Palmer

Therapist

Virtual & in-person • 21 mi away • Cinnaminson, NJ


“My goal is to create a safe, supportive, and confidential space where you can openly share your feelings, thoughts, and concerns.”
Anger management, Anxiety, Bipolar disorder, Chronic conditions, Depression
Affirming, Solution-oriented, Warm
Accepts 6 insurance carriers
Brittni Milne

Brittni Milne

Therapist

Virtual & in-person • 19 mi away • Moorestown, NJ


“I strive to create a space where you feel heard, understood, and supported as you work toward meaningful change and acceptance.”
Anxiety, Bipolar disorder, Depression, End of life care, Family issues
Empowering, Solution-oriented, Warm
Accepts 6 insurance carriers

Offers free consultationsView profile and book
Dr. Abimbola Omoruyi

Dr. Abimbola Omoruyi

Psychiatric Mental Health NP

Virtual & in-person • 21 mi away • Flemington, NJ


“My goal is to see you soar above your mental health condition and achieve optimal independence, happiness, well-being, and, ultimately, reach your full potential!”
ADD/ADHD, Anxiety, Bipolar disorder, Chronic conditions, Depression
Challenging, Open-minded, Participatory
Accepts 10 insurance carriers
Shan Reeves

Shan Reeves

Therapist

Virtual & in-person • 19 mi away • Millstone, NJ


“I believe that as the experts of ourselves we must learn to trust who we are in our authentic being.”
Anger management, Anxiety, Cultural & ethnic issues, Depression, Family issues
Affirming, Empowering, Holistic
Accepts 9 insurance carriers

Offers free consultationsView profile and book
Susan Martinez

Susan Martinez

Therapist

Virtual & in-person • 20 mi away • Hillsborough Township, NJ


“With over 15 years of experience in treating stress, anxiety & mood disorders, and trauma, I create a safe, collaborative space...”
ADD/ADHD, Anxiety, Chronic conditions, Cultural & ethnic issues, Depression
Affirming, Creative, Empowering
Accepts 8 insurance carriers

Offers free consultationsView profile and book
Tajuddin Abdullah

Tajuddin Abdullah

Therapist

Virtual & in-person • 20 mi away • Moorestown, NJ


Hello! My name is Tajuddin Abdullah, and I am a Licensed Professional Counselor with experience providing individual therapy across partial hospitalization and residential programs, as well as within New Jersey public schools.

I enjoy working with clients of all ages, with a particular passion for supporting adolescents, teenagers, and young adults as they build self-esteem, strengthen resilience and communication skills, and set realistic, achievable goals.

I’ll take time to understand what brings you to counseling, explore your goals, and discuss any challenges you may be facing. Together, we’ll identify strategies and approaches that best fit your needs.

Outside of counseling, I enjoy spending time with my family, taking mini vacations, competing in cornhole, and talking about my favorite Philadelphia sports teams.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Cultural & ethnic issues
Holistic, Open-minded, Solution-oriented
Accepts 9 insurance carriers
Eunice Wilson

Eunice Wilson

Psychiatric Mental Health NP

Virtual & in-person • 20 mi away • Hillsborough Township, NJ


“I possess experience in working with both adolescents and adults who are dealing with psychiatric disorders, such as Depression, Anxiety, ADHD, substance use disorders, and a range of other mental health challenges.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Humorous, Participatory
Accepts 10 insurance carriers
Edward Oladipo

Edward Oladipo

Psychiatric Mental Health NP

Virtual & in-person • 18 mi away • Franklin Township, NJ


“Instead of adopting a one-size-fits-all approach, I tailor interventions based on a thorough understanding of the patient's history...”
ADD/ADHD, Anxiety, Bipolar disorder, Depression, Eating disorders
Holistic, Open-minded, Solution-oriented
Accepts 10 insurance carriers
Dr. Leslie Callanan

Dr. Leslie Callanan

Psychologist

Virtual & in-person • 21 mi away • Flemington, NJ


“My approach to therapy is supportive and solution focused. I will partner with you to determine your goals and to work collaboratively on reaching them.”
ADD/ADHD, Anxiety, Chronic conditions, Depression, Family issues
Empowering, Solution-oriented, Warm
Accepts 3 insurance carriers

Offers free consultationsView profile and book
Lauren Velazquez

Lauren Velazquez

Therapist

Virtual & in-person • 21 mi away • Flemington, NJ


Finding the right therapist can feel like a lot, and I want to make that first step a little easier. I'm Lauren, a Licensed Clinical Social Worker with 18 years of experience.

My clinical experience has included community-based mental health, schools, maternal health, substance use and recovery, and private practice. Working across these settings has allowed me to work with people from diverse backgrounds and at many different stages of life. I understand that no two people are the same, and I tailor therapy to your individual needs, goals, and experiences.

These experiences shaped the thing I believe most: meaningful growth happens when you are met exactly where you are, without judgment and without being rushed.

Whether you are managing anxiety, processing trauma, navigating grief, or simply feeling stuck in patterns that no longer serve you, I would love to be part of your path

forward. Reach out when you are ready.

Anger management, Anxiety, Bipolar disorder, Depression, End of life care
Empowering, Open-minded, Warm
Accepts 4 insurance carriers
Dr. Francine Roberts

Dr. Francine Roberts

Psychologist

Virtual & in-person • 23 mi away • Marlton, NJ


Call/text/email to arrange a convenient time for a phone consult (required).

Maya Angelou "Do the best you can until you know better. Then when you know better, do better."

Welcome! It takes great courage to connect with a new therapist. I welcome you to this experience. As a psychologist and a registered nurse (ret) I have helped with many forms of difficulty. In practice for over 3 decades, I have learned what works and what doesn't. I match your style and strengths with the change you desire. I have been fortunate to study with educational leaders. My experiences in medical, psychiatric and emergency settings taught me a wide range of interventions that can be helpful.

I do not treat Parkinson's Disease. It is medical condition that should be treated by a medical doctor and a physical therapist. I do not treat eating disorders unless they are in remission. I refer post partum psychosis to a specialty center as it is beyond the scope of my practice.

Anger management, Anxiety, Chronic conditions, Cultural & ethnic issues, Depression
Empowering, Holistic, Solution-oriented
Accepts 8 insurance carriers
Patricia LaMana

Patricia LaMana

Therapist

In-person • 24 mi away • Medford, NJ


“I see therapy as a partnership. Building trust is essential to allowing oneself to be open to the hard work of change.”
Anxiety, Depression, Grief or loss, Maternal mental health, Panic disorders
Challenging, Creative, Solution-oriented
Accepts 12 insurance carriers
Ernestina Archer

Ernestina Archer

Psychiatric Mental Health NP

Virtual & in-person • 22 mi away • Mount Laurel Township, NJ


“I use empathy and compassion to prioritize the well-being and dignity of the individual receiving care, in a flexible and respectful manner.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Holistic, Open-minded, Solution-oriented
Accepts 8 insurance carriers
Leslie Hay

Leslie Hay

Psychiatric Mental Health NP

Virtual & in-person • 21 mi away • Flemington, NJ


I am a board certified adult psychiatric nurse practitioner with 16 years of experience in medication management. My specialties include depression, anxiety, bipolar disorder, OCD, sleep disorders and more. I treat patients 18 years and older and see patients in person at my quiet office suite as well as through online telehealth. Please note that I am no longer prescribing stimulant medications for ADHD (Adderall, Vyvanse, methylphenidate, etc).

Anger management, Anxiety, Bipolar disorder, Depression, OCD
Creative, Participatory, Solution-oriented
Accepts 11 insurance carriers
Dr. Adetutu Soneye

Dr. Adetutu Soneye

Psychiatric Mental Health NP

Virtual & in-person • 25 mi away • Somerset, NJ


“My goal is to help you achieve symptom relief, emotional stability, improved daily functioning, and long-term mental wellness—so you can move forward with clarity, confidence, and balance.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Holistic, Open-minded, Solution-oriented
Accepts 12 insurance carriers
Magarette Charles

Magarette Charles

Therapist

Virtual & in-person • 25 mi away • New Brunswick, NJ


Margarette Charles is a Licensed Professional Counselor (LPC) and Licensed Clinical Alcohol and Drug Counselor (LCADC) with over 10 years of experience. Margarette has experience with working individuals with depression, anxiety,, substance use, body image issues, anger management, life transitions, ADHD, and more from various levels of cares such as outpatient, intensive outpatient, inpatient and etc.. Margarette has a Dual Masters Degree in Addiction and Professional Counseling.

ADD/ADHD, Anger management, Anxiety, Cultural & ethnic issues, Depression
Affirming, Direct, Empowering
Accepts 11 insurance carriers
Jordan Haykin

Jordan Haykin

Therapist

Virtual & in-person • 21 mi away • Flemington, NJ


My work as a therapist has included supporting clients throughout various stages of life and throughout all walks of life. I am extremely passionate about providing my clients with an understanding, compassionate, non-judgmental space, where my clients can work towards creating and maintaining healthy relationships, not only with others, but also with themselves.

I aim to assist in overcoming the challenges and obstacles client’s are faced with in their day-to-day lives. Helping clients overcome challenges and obstacles surrounding, but not limited to depression, anxiety, trauma and grief/bereavement.

I attended Rutgers University for my Bachelor’s degree and Master's degree in Social Work. I am a Licensed Clinical Social Worker(LCSW) in New Jersey

ADD/ADHD, Anxiety, Depression, Family issues, Grief or loss
Affirming, Open-minded, Warm
Accepts 6 insurance carriers

Offers free consultationsView profile and book
Beth Fleischman

Beth Fleischman

Therapist

Virtual & in-person • 26 mi away • Evesham, NJ


With 29 years of experience in the field, I remain deeply committed to helping individuals and families impacted by the far-reaching effects of mental illness and every day life stressors. I believe meaningful change begins when clients feel safe, seen, heard and supported. I create a nurturing, emotionally safe environment and emphasizes the importance of a strong therapeutic relationship as the foundation for healing. Known for my nonjudgmental, compassionate approach.

My work is collaborative and individualized, integrating evidence-based practices through a trauma-informed and attachment-based lens. I draw from cognitive-behavioral, strengths-based, and relational approaches while incorporating Sandplay Therapy, expressive and play-based techniques, mind-body practices, meditation, stress management, and psychoeducation. When clinically appropriate, these methods are thoughtfully blended into a comprehensive approach that supports healing, growth, and overall wellness.

I earned my undergraduate degree in Family Studies from the University of Maryland in 1998. After returning to New Jersey, I began working in community mental health while pursuing my Master of Social Work at Rutgers University, graduating magna cum laude in 2002. I completed three years of study and specialized training in Sandplay Therapy. I went on to provide intensive in-home family and individual therapy to children, adolescents, adults, and parents in crisis. After four years of postgraduate supervision and clinical work, I earned my Licensed Clinical Social Worker (LCSW) credential in 2008.

I continued to provide therapeutic services through New Jersey’s Children’s System of Care and I also worked in outpatient settings, supporting children, teens, adults, and parents.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Warm
Accepts 10 insurance carriers

Offers free consultationsView profile and book
Gilberto Pilarte

Gilberto Pilarte

Therapist

Virtual & in-person • 23 mi away • Somerset, NJ


“I am an individual who is concerned with helping clients find their truths, passions and explore their future!”
ADD/ADHD, Anxiety, Cultural & ethnic issues, Depression, Family issues
Direct, Solution-oriented, Warm
Accepts 15 insurance carriers
Michael De Guzman

Michael De Guzman

Psychiatric Mental Health NP

Virtual & in-person • 26 mi away • Highland Park, NJ


“My background in inpatient psychiatry has given me the tools to treat various diagnoses with precision and empathy.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Holistic, Open-minded, Solution-oriented
Accepts 10 insurance carriers
Daniel Ludwick

Daniel Ludwick

Therapist

Virtual & in-person • 26 mi away • Highland Park, NJ


“I provide a warm and safe space to gain insight, develop personalized strategies, and build effective coping skills.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Solution-oriented, Warm
Accepts 8 insurance carriers
Marc Rubin

Marc Rubin

Therapist

Virtual & in-person • 23 mi away • East Brunswick, NJ


“The coping mechanisms that are shared with my client's are established with the abilities of the individual patient in mind, though will also challenge the client at times.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Affirming, Holistic, Open-minded
Accepts 16 insurance carriers
Ronna Stedman

Ronna Stedman

Therapist

Virtual & in-person • 26 mi away • Collingswood, NJ


“My approach to therapy is relational & holistic, focusing on the relationship between emotions, the physical body, and thought processes.”
ADD/ADHD, Anger management, Anxiety, Depression, Identity issues
Empowering, Holistic, Warm
Accepts 8 insurance carriers

Offers free consultationsView profile and book
Sherill Cantrell

Sherill Cantrell

Therapist

Virtual & in-person • 27 mi away • Highland Park, NJ


“I take an eclectic approach to therapy, drawing from a variety of evidence-based practices and tailoring each session to meet your unique needs and goals.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Creative, Empowering, Warm
Accepts 3 insurance carriers
AnnMarie Gray

AnnMarie Gray

Therapist

Virtual & in-person • 19 mi away • Moorestown, NJ


“I believe therapy starts with real human connection. By creating a nonjudgmental and supportive environment, I help clients feel safe enough to be themselves...”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Affirming, Holistic, Open-minded
Accepts 9 insurance carriers
Liliya Borodkin

Liliya Borodkin

Therapist

Virtual & in-person • 27 mi away • Branchburg, NJ


“My approach is warm, collaborative, and tailored to each client's unique needs, drawing from evidence-based practices like CBT and mindfulness.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Holistic, Open-minded, Solution-oriented
Accepts 12 insurance carriers
Stephanie Stevenson

Stephanie Stevenson

Therapist

Virtual & in-person • 24 mi away • North Brunswick Township, NJ


I am a licensed clinical social worker who has been providing therapy to children, adolescents, adults and families for over 20 years. I am skilled at working with a variety of mental health concerns such as depression, anxiety, interpersonal issues, school based issues, child-parent conflict and behavioral management.

ADD/ADHD, Anxiety, Chronic conditions, Cultural & ethnic issues, Depression
Direct, Empowering, Holistic
Accepts 10 insurance carriers

Offers free consultationsView profile and book
David Loray

David Loray

Psychiatric Mental Health NP

Virtual & in-person • 24 mi away • Freehold, NJ


“He believes in patient-centered, trauma-informed care, advocates for access to quality mental health services, and empowers individuals and families through education and support.”
ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Chronic conditions
Energetic, Solution-oriented, Warm
Accepts 4 insurance carriers
Hal Ketofsky

Hal Ketofsky

Therapist

Virtual & in-person • 24 mi away • North Brunswick Township, NJ


“Though I have had many different experiences in my training and life..I do my best to meet clients where they are now and work to find what helps the individual.”
ADD/ADHD, Anxiety, Depression, Family issues, LGBTQIA+
Empowering, Open-minded, Solution-oriented
Accepts 8 insurance carriers
Kathleen Ketofsky

Kathleen Ketofsky

Therapist

Virtual & in-person • 24 mi away • North Brunswick Township, NJ


“I believe that developing a strong connection and relationship between the client and therapist is essential to working together to resolve the issues that bring one to treatment.”
ADD/ADHD, Anger management, Anxiety, Depression, Family issues
Holistic, Solution-oriented, Warm
Accepts 5 insurance carriers
Aleksandra Kordal

Aleksandra Kordal

Therapist

Virtual & in-person • 20 mi away • Hillsborough Township, NJ


“My approach to therapy is collaborative, compassionate, and goal-oriented, grounded in creating a safe space where clients feel heard and empowered.”
ADD/ADHD, Anxiety, Depression, Family issues, Panic disorders
Empowering, Open-minded, Warm
Accepts 3 insurance carriers
Julie Pulice

Julie Pulice

Therapist

Virtual & in-person • 24 mi away • Cherry Hill Township, NJ


Hi, I’m Julie, and I believe that meaningful change doesn’t have to wait. Therapy can start now at Therapy Starts Now Counseling LLC! I work with kids, teens, and adults to manage stress, build coping skills, and find balance in everyday life. My approach is caring, collaborative, and tailored to your unique goals. Together, we’ll take the next step toward growth and healing.

Anger management, Anxiety, Bipolar disorder, Depression, Family issues
Empowering, Solution-oriented, Warm
Accepts 12 insurance carriers
Dr. Gordon Kusi

Dr. Gordon Kusi

Psychiatric Mental Health NP

Virtual & in-person • 20 mi away • Hillsborough Township, NJ


As a board certified provider in both Psychiatry and Internal Medicine, Dr. Gordon Kusi specialize in working with individuals who may be experiencing ADHD, anxiety, bipolar, substance use, depression or trauma—particularly when these struggles stem from difficult relationships or family dynamics. In our initial sessions, we will take the time to explore the challenges you're facing in depth and work together to create a personalized plan for healing and growth. Many of my clients begin to notice a gradual relief from symptoms within the first month, with continued improvement over time. My goal is to support you in regaining a sense of balance, clarity, and control so you can move forward with greater confidence and peace

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Empowering, Open-minded, Solution-oriented
Accepts 10 insurance carriers
Jennifer Gould

Jennifer Gould

Therapist

Virtual & in-person • 22 mi away • Medford, NJ


“The goal of every session is for you to leave with more clarity and direction than when you walked in.”
Anxiety, Chronic conditions, Cultural & ethnic issues, Depression, Family issues
Direct, Solution-oriented, Warm
Accepts 12 insurance carriers

Offers free consultationsView profile and book
Isabella Festa

Isabella Festa

Therapist

Virtual & in-person • 28 mi away • Audubon, NJ


Do you feel like your brain is constantly running on overdrive? Maybe you’re navigating the frustrating cycle of procrastination, intense anxiety about falling behind, and the sudden rage or emotional outbursts that follow. You might feel misunderstood, labeled "lazy" or "difficult," when in reality, you are holding it together with incredible effort. If you are tired of the anxiety-depression loop, you are in the right place. I help adolescents and adults move from feeling overwhelmed and reactive to empowered and focused.

ADD/ADHD, Anger management, Anxiety, Bipolar disorder, Depression
Affirming, Inquisitive, Open-minded
Accepts 2 insurance carriers
Samantha Carroll

Samantha Carroll

Therapist

Virtual & in-person • 24 mi away • Cherry Hill Township, NJ


“I specialize in helping teens and young adults navigate the challenges of trauma, anxiety, and life transitions.”
ADD/ADHD, Anger management, Anxiety, Depression, Family issues
Affirming, Empowering, Warm
Accepts 11 insurance carriers

Offers free consultationsView profile and book
Jennifer Davenport

Jennifer Davenport

Therapist

Virtual & in-person • 24 mi away • Cherry Hill Township, NJ


Jennifer is a Licensed Clinical Alcohol and Drug Counselor (LCADC) and a Certified Clinical Supervisor (CCS). She earned a Masters of Science from Grand Canyon University in Addiction Counseling, an undergraduate in Psychology from Rowan University, and an Applied Associates of Science in Addiction Counseling from Camden County College. She plans to pursue a doctoral degree in Marriage and Family Therapy in the near future.

Anxiety, Depression, Family issues, Relationship issues, Stress management
Affirming, Challenging, Inquisitive
Accepts 10 insurance carriers

Offers free consultationsView profile and book
Dr. A. Edward Maddison

Dr. A. Edward Maddison

Therapist

Virtual & in-person • 24 mi away • Cherry Hill Township, NJ


“You are the expert on you. I am the expert on how to effect the changes in your life that you would like to see.”
Anxiety, Depression, Family issues, Grief or loss, Relationship issues
Empowering, Solution-oriented, Warm
Accepts 15 insurance carriers
DeAnn Mishler

DeAnn Mishler

Therapist

Virtual & in-person • 24 mi away • Cherry Hill Township, NJ


“I am a mindful trauma therapist who integrates yoga therapy to support healing by helping clients reconnect with their bodies, improve regulation, and restore balance.”
Anxiety, Depression, Family issues, Panic disorders, PTSD
Empowering, Holistic, Open-minded, Solution-oriented, Warm
Accepts 1 insurance carrier

Offers free consultationsView profile and book
41 - 80 of

About our therapists located within 20 miles of Trenton, NJ

Number of therapists within 20 miles of Trenton, NJ
There are over 43 therapists in Trenton, NJ accepting new patients.
43+
Average years in practice
Watercolor illustration of a bookshelf
9 years
Top specialties offered
Watercolor illustration of specialties
  • 100%Depression
  • 95%Anxiety
  • 88%Stress management
  • 77%Trauma
  • 77%PTSD
Insurances accepted
Watercolor illustration of insurance cards
  • 91%Aetna
  • 81%Cigna
  • 81%Horizon Blue Cross and Blue Shield of New Jersey
  • 81%Carelon Behavioral Health
  • 60%Oxford
Languages spoken
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  • 93%English
  • 14%Spanish
  • 7%Igbo
  • 7%Yoruba
  • 5%Gujarati
How they see their clients
Watercolor illustration of therapy session
  • 100%In-person or online
Provider gender
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  • 77%Woman
  • 23%Man
License types
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  • 37%Advanced Practice Nurse
  • 26%Licensed Clinical Social Worker
  • 23%Licensed Professional Counselor
  • 9%Licensed Psychologist
  • 5%Medical Doctor
Treatment approaches
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  • 98%Individual therapy
  • 23%Family therapy
  • 19%Couples therapy
  • 14%Child or adolescent therapy

Frequently asked questions

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Find the right therapist for you

Headway makes it easy to find support for your mental health — from finding the right provider, to understanding costs, to scheduling with ease.

Factors to Consider When Choosing a Therapist in Trenton

Searching for therapists in Trenton starts with knowing what kind of support you want from care. Therapists may focus on concerns like anxiety, depression, relationship challenges, grief, trauma, or work stress. As you compare options, look for someone whose listed specialties and approach match your needs. Provider bios can help you see whether a therapist uses methods like cognitive behavioral therapy, dialectical behavior therapy, or trauma-informed care, and what to expect in sessions.

In a smaller city like Trenton, your local options may depend on office location, schedule, and current availability. Virtual appointments can expand your search across New Jersey while still connecting you with a therapist licensed to provide care in the state. Consider whether you prefer in-person sessions near Trenton neighborhoods like Downtown, Chambersburg, or Old Mill Hill, or virtual sessions that fit your calendar. Before booking, review each therapist’s profile for availability, communication style, session format, and whether they offer a free phone consultation.

Therapy in Trenton can be a significant investment without insurance. Using in-network insurance is one of the most reliable ways to reduce session costs and understand what you may pay before care begins. Headway helps you search for therapists who accept a wide range of insurance plans, verify your benefits, and see an estimated out-of-pocket cost before booking. You can browse therapists, compare bios, and book directly when you’re ready.

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1 Cost may vary based on your location, age, and insurance coverage.