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Get Cheap Car Insurance in Freehold, NJ
We monitor insurance prices, helping the average driver in Freehold save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Freehold
The chart below shows the cheapest car insurance company in Freehold 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.
| Freehold Insurer | Monthly Cost |
|---|---|
| State Farm | $61 |
| Geico | $64 |
| Plymouth Rock Assurance | $78 |
| NJM | $92 |
Savings for Every Kind of Freehold Driver
Based on our extensive insurance data, we know the average Freehold 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 $483 per year by choosing the right vehicle insurance company. Some Freehold residents are paying out over $1,843 extra every year for auto insurance in Freehold. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Freehold, NJ Savings / Yr. |
|---|---|
$483 |
|
$896 |
|
$688 |
|
$594 |
|
$2,384 |
|
$465 |
|
$723 |
Freehold Car Insurance vs. New Jersey
People living in Freehold pay an average of 1.49% more than the typical driver in the state. The average driver in Freehold can expect to pay about $1,099 per year, or $1,843 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Freehold for most people.
Car Insurance Prices by Freehold Neighborhood
Insurance Prices
Where is insurance cheapest within Freehold?
The map shows insurance prices in and around Freehold, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $337 per year within the city boundaries, with insurance premiums ranging from a high of $2,042 to a low of $1,705. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southwest parts of Freehold.Pick the Best Car Insurance Company for You in Freehold
The best car insurance provider for most drivers in Freehold
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $483 over the average Freehold car insurance company.
The best car insurance provider for Freehold 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 $896 over the competition.
The best car insurance company for Freehold drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $688 better than other car insurance companies.
The best auto insurance for Freehold drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $594 less each year.
The least expensive car insurance company for new and young drivers in Freehold
In Freehold, Geico costs young drivers $2,384 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Freehold
Geico gave the largest car insurance discounts to married couples, averaging $465 saved each year compared to an average Freehold couple's premiums.
The cheapest car insurance in Freehold for drivers with bad credit
The best Freehold car insurance company for customer service
Recent price drops
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The cheapest large national provider in Freehold
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Freehold 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 Freehold, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Freehold
What Influences the Cost of Car Insurance in Freehold?
On average, car insurance in Freehold 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 Freehold is 41 minutes, which is a little more 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 Freehold are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Freehold 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 Freehold is $92 per month for minimum coverage and $154 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
- West Freehold: Insurance costs 2.06% less
- Jerseyville: Insurance costs 4.83% less
- Marlboro: Insurance costs 0.65% more
- Georgia: Insurance costs 4.45% less
- Englishtown: Insurance costs 0.76% less
- Collingwood Park: Insurance costs 5.70% less
- Colts Neck: Insurance costs 6.29% less
- Farmingdale: Insurance costs 5.86% less
- Robertsville: Insurance costs 1.25% more
- Leisure Knoll: Insurance costs 2.01% less
Cities with Similar Populations
- Marlborough: Insurance costs 10.31% less
- Redmond: Insurance costs 23.44% less
- Oak Harbor: Insurance costs 25.01% less
- North Brunswick: Insurance costs 7.05% more
- Nicholasville: Insurance costs 14.65% more
- Monrovia: Insurance costs 25.45% more
- Milton: Insurance costs 0.33% more
- Midlothian: Insurance costs 8.74% less
- McLean: Insurance costs 32.28% less
- Romeoville: Insurance costs 10.58% less