Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Bradley Beach, NJ
We monitor insurance prices, helping the average driver in Bradley Beach save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Bradley Beach
The chart below shows the cheapest car insurance company in Bradley Beach 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.
| Bradley Beach Insurer | Monthly Cost |
|---|---|
| State Farm | $62 |
| Geico | $65 |
| Plymouth Rock Assurance | $79 |
| NJM | $94 |
Savings for Every Kind of Bradley Beach Driver
Based on our extensive insurance data, we know the average Bradley Beach 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 $490 per year by choosing the right vehicle insurance company. Some Bradley Beach residents are paying out over $1,870 extra every year for auto insurance in Bradley Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Bradley Beach, NJ Savings / Yr. |
|---|---|
$490 |
|
$909 |
|
$698 |
|
$602 |
|
$2,419 |
|
$472 |
|
$733 |
Bradley Beach Car Insurance vs. New Jersey
People living in Bradley Beach pay an average of 2.96% more than the typical driver in the state. The average driver in Bradley Beach can expect to pay about $1,115 per year, or $1,870 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Bradley Beach for most people.
Car Insurance Prices by Bradley Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Bradley Beach?
The map shows insurance prices in and around Bradley Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $197 per year within the city boundaries, with insurance premiums ranging from a high of $1,951 to a low of $1,754. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of Bradley Beach.Pick the Best Car Insurance Company for You in Bradley Beach
The best car insurance provider for most drivers in Bradley Beach
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $490 over the average Bradley Beach car insurance company.
The best car insurance provider for Bradley Beach 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 $909 over the competition.
The best car insurance company for Bradley Beach drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $698 better than other car insurance companies.
The best auto insurance for Bradley Beach drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $602 less each year.
The least expensive car insurance company for new and young drivers in Bradley Beach
In Bradley Beach, Geico costs young drivers $2,419 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Bradley Beach
Geico gave the largest car insurance discounts to married couples, averaging $472 saved each year compared to an average Bradley Beach couple's premiums.
The cheapest car insurance in Bradley Beach for drivers with bad credit
The best Bradley Beach car insurance company for customer service
Nationwide was the best company for customer service in Bradley Beach according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Bradley Beach, which was better than other insurers.
The cheapest large national provider in Bradley Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Bradley Beach 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 Bradley Beach, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Bradley Beach
What Influences the Cost of Car Insurance in Bradley Beach?
On average, car insurance in Bradley Beach is more expensive than the rest of the state. These high 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 Bradley Beach 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 Bradley Beach are among the lowest 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 B+ according to CrimeGrade.org.
- Bradley Beach is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Bradley Beach is $93 per month for minimum coverage and $156 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
- Ocean Grove: Insurance costs 5.40% less
- Avon-by-the-Sea: Insurance costs 3.42% less
- Neptune City: Insurance costs 5.51% less
- Shark River Hills: Insurance costs 6.42% less
- Loch Arbour: Insurance costs 6.58% less
- Neptune: Insurance costs 0.16% less
- Interlaken: Insurance costs 4.76% less
- Lake Como: Insurance costs 4.92% less
- Wanamassa: Insurance costs 3.05% less
- Allenhurst: Insurance costs 3.69% less
Cities with Similar Populations
- Lovelock: Insurance costs 8.72% more
- Highland Beach: Insurance costs 62.57% more
- Ragland: Insurance costs 15.94% less
- Whitehall: Insurance costs 12.57% more
- Constantine: Insurance costs 45.40% more
- South Russell: Insurance costs 41.18% less
- Kaunakakai: Insurance costs 28.24% less
- Adams: Insurance costs 29.47% less
- Morley: Insurance costs 52.67% more
- Livingston: Insurance costs 13.42% less