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Get Cheap Car Insurance in Lincroft, NJ
We monitor insurance prices, helping the average driver in Lincroft save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Lincroft
The chart below shows the cheapest car insurance company in Lincroft 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.
| Lincroft Insurer | Monthly Cost |
|---|---|
| State Farm | $60 |
| Geico | $62 |
| Plymouth Rock Assurance | $77 |
| NJM | $90 |
Savings for Every Kind of Lincroft Driver
Based on our extensive insurance data, we know the average Lincroft 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 $472 per year by choosing the right vehicle insurance company. Some Lincroft residents are paying out over $1,802 extra every year for auto insurance in Lincroft. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lincroft, NJ Savings / Yr. |
|---|---|
$472 |
|
$876 |
|
$673 |
|
$580 |
|
$2,331 |
|
$454 |
|
$707 |
Lincroft Car Insurance vs. New Jersey
People living in Lincroft pay an average of 0.77% less than the typical driver in the state. The average driver in Lincroft can expect to pay about $1,075 per year, or $1,802 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Lincroft for most people.
Car Insurance Prices by Lincroft Neighborhood
Insurance Prices
Where is insurance cheapest within Lincroft?
The map shows insurance prices in and around Lincroft, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $227 per year within the city boundaries, with insurance premiums ranging from a high of $1,977 to a low of $1,750. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of Lincroft.Pick the Best Car Insurance Company for You in Lincroft
The best car insurance provider for most drivers in Lincroft
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $472 over the average Lincroft car insurance company.
The best car insurance provider for Lincroft 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 $876 over the competition.
The best car insurance company for Lincroft drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $673 better than other car insurance companies.
The best auto insurance for Lincroft drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $580 less each year.
The least expensive car insurance company for new and young drivers in Lincroft
In Lincroft, Geico costs young drivers $2,331 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lincroft
Geico gave the largest car insurance discounts to married couples, averaging $454 saved each year compared to an average Lincroft couple's premiums.
The cheapest car insurance in Lincroft for drivers with bad credit
The best Lincroft car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lincroft
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lincroft 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 Lincroft, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Lincroft
What Influences the Cost of Car Insurance in Lincroft?
On average, car insurance in Lincroft 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:
- 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 Lincroft are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Lincroft has an average population density 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 Lincroft 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 Cities
- Red Bank: Insurance costs 2.77% more
- Shrewsbury: Insurance costs 0.39% less
- Holmdel: Insurance costs 2.28% more
- Colts Neck: Insurance costs 4.16% less
- Little Silver: Insurance costs 1.17% less
- Middletown: Insurance costs 0.22% less
- Eatontown: Insurance costs 1.33% more
- Fort Monmouth: Insurance costs 1.78% less
- Fair Haven: Insurance costs 3.55% more
- Tinton Falls: Insurance costs 1.28% less
Cities with Similar Populations
- Ravenswood: Insurance costs 15.59% less
- Jim Thorpe: Insurance costs 21.37% less
- Joelton: Insurance costs 25.47% less
- Jones: Insurance costs 5.05% less
- Jonestown: Insurance costs 27.97% less
- Joshua Tree: Insurance costs 8.44% more
- Judsonia: Insurance costs 7.94% less
- Kalama: Insurance costs 22.36% less
- Kalkaska: Insurance costs 59.32% more
- Kasson: Insurance costs 11.49% less