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Get Cheap Car Insurance in Beachwood, NJ
We monitor insurance prices, helping the average driver in Beachwood save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Beachwood
The chart below shows the cheapest car insurance company in Beachwood 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.
| Beachwood Insurer | Monthly Cost |
|---|---|
| State Farm | $58 |
| Geico | $60 |
| Plymouth Rock Assurance | $74 |
| NJM | $88 |
Savings for Every Kind of Beachwood Driver
Based on our extensive insurance data, we know the average Beachwood 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 $458 per year by choosing the right vehicle insurance company. Some Beachwood residents are paying out over $1,746 extra every year for auto insurance in Beachwood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Beachwood, NJ Savings / Yr. |
|---|---|
$458 |
|
$849 |
|
$652 |
|
$562 |
|
$2,258 |
|
$440 |
|
$684 |
Beachwood Car Insurance vs. New Jersey
People living in Beachwood pay an average of 3.86% less than the typical driver in the state. The average driver in Beachwood can expect to pay about $1,041 per year, or $1,746 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Beachwood for most people.
Car Insurance Prices by Beachwood Neighborhood
Insurance Prices
Where is insurance cheapest within Beachwood?
The map shows insurance prices in and around Beachwood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $28 per year within the city boundaries, with insurance premiums ranging from a high of $1,756 to a low of $1,728. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Beachwood.Pick the Best Car Insurance Company for You in Beachwood
The best car insurance provider for most drivers in Beachwood
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $458 over the average Beachwood car insurance company.
The best car insurance provider for Beachwood 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 $849 over the competition.
The best car insurance company for Beachwood drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $652 better than other car insurance companies.
The best auto insurance for Beachwood drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $562 less each year.
The least expensive car insurance company for new and young drivers in Beachwood
In Beachwood, Geico costs young drivers $2,258 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Beachwood
Geico gave the largest car insurance discounts to married couples, averaging $440 saved each year compared to an average Beachwood couple's premiums.
The cheapest car insurance in Beachwood for drivers with bad credit
The best Beachwood car insurance company for customer service
Recent price drops
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The cheapest large national provider in Beachwood
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Beachwood 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 Beachwood, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Beachwood
What Influences the Cost of Car Insurance in Beachwood?
On average, car insurance in Beachwood 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 Beachwood is 35 minutes, which is a little less than 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 Beachwood are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Beachwood is a fairly densely populated area 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 Beachwood is $87 per month for minimum coverage and $145 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
- South Toms River: Insurance costs 6.07% more
- Pine Beach: Insurance costs 0.86% less
- Bayville: Insurance costs 1.03% more
- Island Heights: Insurance costs 1.83% less
- Holiday City South: Insurance costs 6.01% more
- Ocean Gate: Insurance costs 0.17% more
- Toms River: Insurance costs 1.32% more
- Lanoka Harbor: Insurance costs 0.34% more
- Holiday City-Berkeley: Insurance costs 2.69% more
- Pine Lake Park: Insurance costs 0.80% more
Cities with Similar Populations
- Endwell: Insurance costs 23.60% more
- Falling Waters: Insurance costs 23.42% less
- Fairview: Insurance costs 20.27% less
- Fairview: Insurance costs 2.92% less
- Long Valley: Insurance costs 1.15% less
- Fairfield: Insurance costs 28.92% less
- Etters: Insurance costs 27.03% less
- Essexville: Insurance costs 62.94% more
- Fallston: Insurance costs 6.07% more
- Elwood: Insurance costs 30.58% less