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Get Cheap Car Insurance in Dover Heights, Toms River, NJ

We monitor insurance prices, helping the average driver in Dover Heights save up to 37.9% on car insurance.

 

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The Cheapest Minimum Coverage in Dover Heights

The chart below shows the cheapest car insurance company in Dover Heights 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.

 
Dover Heights Insurer Monthly Cost
State Farm $60
Geico $62
Plymouth Rock Assurance $77
NJM $90

Savings for Every Kind of Dover Heights Driver

The table shows how much the average auto insurance customer in Dover Heights might save by following our recommendations.

Based on our extensive insurance data, we know the average Dover Heights 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 $473 per year by choosing the right vehicle insurance company. Some Dover Heights residents are paying out over $1,803 extra every year for auto insurance in Dover Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Dover Heights, Toms River, NJ Savings / Yr.
Drivers with good records
$473
Drivers with accidents
$877
Drivers with speeding tickets
$673
Drivers with a DUI conviction
$581
Young drivers
$2,332
Married drivers
$455
Drivers with bad credit
$707

Dover Heights Car Insurance vs. Toms River

People living in Dover Heights pay an average of 0.70% less than the typical driver in the state. The average driver in Dover Heights can expect to pay about $1,075 per year, or $1,803 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Dover Heights for most people.

Car Insurance Prices by Dover Heights Neighborhood

Dover Heights, Toms River, NJ map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Dover Heights?

The map shows insurance prices in and around Dover Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $85 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,841 to a low of $1,756. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of Dover Heights.

Pick the Best Car Insurance Company for You in Dover Heights

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Dover Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Dover Heights

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $473 over the average Dover Heights car insurance company.

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We use the average good driver, paying $111 per month, as our baseline for pricing in Dover Heights. Geico, NJM, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Dover Heights drivers with accidents on their records

In Dover Heights getting into an accident will raise premiums an average 35% for a yearly cost of $2,788. That's $985 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Geico, NJM, and Plymouth Rock Assurance are good choices for drivers with accidents.

In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $877 over the competition.

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The best car insurance company for Dover Heights drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $673 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Dover Heights, tickets raise premiums on new quotes about $383. If you have a speeding ticket, we recommend State Farm, Geico, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,187 per year.

The best auto insurance for Dover Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,465 per year in auto insurance premiums, which was $661 more than a driver with no major issues. Geico, Progressive, and NJM penalized their customers the least for a DUI.

Getting a quote from NJM may cost the average person with a DUI about $581 less each year.

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The least expensive car insurance company for new and young drivers in Dover Heights

In Dover Heights, Geico costs young drivers $2,332 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Dover Heights. With an average cost of $6,149 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and NJM try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Dover Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $69. State Farm, Geico, and Plymouth Rock Assurance provided the largest discounts to couples living in Dover Heights.

Geico gave the largest car insurance discounts to married couples, averaging $455 saved each year compared to an average Dover Heights couple's premiums.

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The cheapest car insurance in Dover Heights for drivers with bad credit

People with poor credit saved an average of $707 with NJM.

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Many people are surprised that their poor credit score can cost them an average of $1,073 every year. Premiums for people with poor credit were about $2,877 in Dover Heights. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and NJM.

The best Dover Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Dover Heights, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks NJM as the best provider in Dover Heights.

Nationwide was the best company for customer service in Dover Heights according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Dover Heights, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Dover Heights. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Dover Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 23% of Dover Heights residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Dover Heights driver can expect to pay about $112 per month.

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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 Dover Heights, USAA has the best prices for none of the categories above.
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Auto Insurance Prices in and Around Dover Heights

What Influences the Cost of Car Insurance in Dover Heights?

On average, car insurance in Dover Heights 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 neighborhood are influenced by the following factors:

  • The average commute time in Dover Heights is 44 minutes, which is a little more than average for a driver in the city.
  • 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 Dover Heights are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
  • Dover Heights is one of the most densely populated areas in the state. The neighborhood’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 Dover Heights is $90 per month for minimum coverage and $150 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Dover Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Dover Heights with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.