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Get Cheap Car Insurance in Barnegat Light, NJ
We monitor insurance prices, helping the average driver in Barnegat Light save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Barnegat Light
The chart below shows the cheapest car insurance company in Barnegat Light for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.
| Barnegat Light Insurer | Monthly Cost |
|---|---|
| State Farm | $56 |
| Geico | $59 |
| Plymouth Rock Assurance | $72 |
| NJM | $85 |
Savings for Every Kind of Barnegat Light Driver
Based on our extensive insurance data, we know the average Barnegat Light driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $445 per year by choosing the right vehicle insurance company. Some Barnegat Light residents are paying out over $1,696 extra every year for auto insurance in Barnegat Light. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Barnegat Light, NJ Savings / Yr. |
|---|---|
$445 |
|
$825 |
|
$633 |
|
$546 |
|
$2,194 |
|
$428 |
|
$665 |
Barnegat Light Car Insurance vs. New Jersey
People living in Barnegat Light pay an average of 6.62% less than the typical driver in the state. The average driver in Barnegat Light can expect to pay about $1,011 per year, or $1,696 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Barnegat Light for most people.
Car Insurance Prices by Barnegat Light Neighborhood
Insurance Prices
Where is insurance cheapest within Barnegat Light?
The map shows insurance prices in and around Barnegat Light, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $54 per year within the city boundaries, with insurance premiums ranging from a high of $1,726 to a low of $1,672. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Barnegat Light.Pick the Best Car Insurance Company for You in Barnegat Light
The best car insurance provider for most drivers in Barnegat Light
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $445 over the average Barnegat Light car insurance company.
The best car insurance provider for Barnegat Light drivers with accidents on their records
In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $825 over the competition.
The best car insurance company for Barnegat Light drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $633 better than other car insurance companies.
The best auto insurance for Barnegat Light drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $546 less each year.
The least expensive car insurance company for new and young drivers in Barnegat Light
In Barnegat Light, Geico costs young drivers $2,194 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Barnegat Light
Geico gave the largest car insurance discounts to married couples, averaging $428 saved each year compared to an average Barnegat Light couple's premiums.
The cheapest car insurance in Barnegat Light for drivers with bad credit
The best Barnegat Light car insurance company for customer service
Nationwide was the best company for customer service in Barnegat Light according to the NAIC.
Recent price drops
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The cheapest large national provider in Barnegat Light
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Barnegat Light driver can expect to pay about $112 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Barnegat Light, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Barnegat Light
What Influences the Cost of Car Insurance in Barnegat Light?
On average, car insurance in Barnegat Light is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Barnegat Light is 37 minutes, which is about the national average for a driver in the state.
- New Jersey state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Barnegat Light are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Barnegat Light is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Barnegat Light is $84 per month for minimum coverage and $141 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Harvey Cedars: Insurance costs 5.37% more
- Waretown: Insurance costs 4.13% more
- Forked River Beach: Insurance costs 0.83% less
- Surf City: Insurance costs 2.18% more
- Barnegat: Insurance costs 5.90% more
- Forked River: Insurance costs 2.54% more
- Ship Bottom: Insurance costs 7.72% more
- Manahawkin: Insurance costs 4.78% more
- Lanoka Harbor: Insurance costs 3.30% more
- Ocean Acres: Insurance costs 1.18% more
Cities with Similar Populations
- Poston: Insurance costs 3.60% more
- Neponset: Insurance costs 17.75% less
- North Bend: Insurance costs 32.19% less
- Eastwood: Insurance costs 60.67% more
- Oliver Beach: Insurance costs 5.42% more
- Palmersville: Insurance costs 21.23% less
- Palmetto: Insurance costs 78.48% more
- Parkway: Insurance costs 5.37% more
- Dutzow: Insurance costs 6.60% more
- Pilger: Insurance costs 18.28% less