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 Long Branch, NJ
We monitor insurance prices, helping the average driver in Long Branch save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Long Branch
The chart below shows the cheapest car insurance company in Long Branch 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.
| Long Branch Insurer | Monthly Cost |
|---|---|
| State Farm | $65 |
| Geico | $67 |
| Plymouth Rock Assurance | $82 |
| NJM | $97 |
Savings for Every Kind of Long Branch Driver
Based on our extensive insurance data, we know the average Long Branch 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 $509 per year by choosing the right vehicle insurance company. Some Long Branch residents are paying out over $1,942 extra every year for auto insurance in Long Branch. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Long Branch, NJ Savings / Yr. |
|---|---|
$509 |
|
$944 |
|
$725 |
|
$626 |
|
$2,512 |
|
$490 |
|
$761 |
Long Branch Car Insurance vs. New Jersey
People living in Long Branch pay an average of 6.93% more than the typical driver in the state. The average driver in Long Branch can expect to pay about $1,158 per year, or $1,942 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Long Branch for most people.
Car Insurance Prices by Long Branch Neighborhood
Insurance Prices
Where is insurance cheapest within Long Branch?
The map shows insurance prices in and around Long Branch, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $415 per year within the city boundaries, with insurance premiums ranging from a high of $2,135 to a low of $1,720. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Long Branch.Pick the Best Car Insurance Company for You in Long Branch
The best car insurance provider for most drivers in Long Branch
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $509 over the average Long Branch car insurance company.
The best car insurance provider for Long Branch 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 $944 over the competition.
The best car insurance company for Long Branch drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $725 better than other car insurance companies.
The best auto insurance for Long Branch drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $626 less each year.
The least expensive car insurance company for new and young drivers in Long Branch
In Long Branch, Geico costs young drivers $2,512 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Long Branch
Geico gave the largest car insurance discounts to married couples, averaging $490 saved each year compared to an average Long Branch couple's premiums.
The cheapest car insurance in Long Branch for drivers with bad credit
The best Long Branch car insurance company for customer service
Nationwide was the best company for customer service in Long Branch 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 Long Branch, which was better than other insurers.
The cheapest large national provider in Long Branch
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Long Branch 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 Long Branch, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Long Branch
What Influences the Cost of Car Insurance in Long Branch?
On average, car insurance in Long Branch 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 Long Branch 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 Long Branch are among the lowest 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.
- Long Branch 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 Long Branch is $97 per month for minimum coverage and $162 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 Long Branch: Insurance costs 8.08% less
- Oceanport: Insurance costs 9.89% less
- Monmouth Beach: Insurance costs 6.85% less
- Oakhurst: Insurance costs 9.42% less
- Fort Monmouth: Insurance costs 8.86% less
- Deal: Insurance costs 7.16% less
- Eatontown: Insurance costs 5.97% less
- Little Silver: Insurance costs 8.29% less
- Shrewsbury: Insurance costs 7.57% less
- Allenhurst: Insurance costs 7.26% less
Cities with Similar Populations
- Maple Valley: Insurance costs 19.31% less
- Port Chester: Insurance costs 53.91% more
- Ponchatoula: Insurance costs 62.77% more
- Plattsburgh: Insurance costs 13.95% more
- Ozark: Insurance costs 9.37% less
- Oswego: Insurance costs 8.14% more
- Orcutt: Insurance costs 1.29% less
- Orchard Park: Insurance costs 16.27% more
- Oconomowoc: Insurance costs 43.15% less
- Oceanside: Insurance costs 44.49% more