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Get Cheap Car Insurance in Monmouth Beach, NJ
We monitor insurance prices, helping the average driver in Monmouth Beach save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Monmouth Beach
The chart below shows the cheapest car insurance company in Monmouth 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.
| Monmouth Beach Insurer | Monthly Cost |
|---|---|
| State Farm | $60 |
| Geico | $63 |
| Plymouth Rock Assurance | $77 |
| NJM | $91 |
Savings for Every Kind of Monmouth Beach Driver
Based on our extensive insurance data, we know the average Monmouth 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 $474 per year by choosing the right vehicle insurance company. Some Monmouth Beach residents are paying out over $1,809 extra every year for auto insurance in Monmouth Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Monmouth Beach, NJ Savings / Yr. |
|---|---|
$474 |
|
$879 |
|
$675 |
|
$583 |
|
$2,340 |
|
$456 |
|
$709 |
Monmouth Beach Car Insurance vs. New Jersey
People living in Monmouth Beach pay an average of 0.40% less than the typical driver in the state. The average driver in Monmouth Beach can expect to pay about $1,079 per year, or $1,809 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Monmouth Beach for most people.
Car Insurance Prices by Monmouth Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Monmouth Beach?
The map shows insurance prices in and around Monmouth Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $93 per year within the city boundaries, with insurance premiums ranging from a high of $1,871 to a low of $1,778. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the North parts of Monmouth Beach.Pick the Best Car Insurance Company for You in Monmouth Beach
The best car insurance provider for most drivers in Monmouth Beach
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $474 over the average Monmouth Beach car insurance company.
The best car insurance provider for Monmouth 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 $879 over the competition.
The best car insurance company for Monmouth Beach drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $675 better than other car insurance companies.
The best auto insurance for Monmouth Beach drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $583 less each year.
The least expensive car insurance company for new and young drivers in Monmouth Beach
In Monmouth Beach, Geico costs young drivers $2,340 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Monmouth Beach
Geico gave the largest car insurance discounts to married couples, averaging $456 saved each year compared to an average Monmouth Beach couple's premiums.
The cheapest car insurance in Monmouth Beach for drivers with bad credit
The best Monmouth Beach car insurance company for customer service
Nationwide was the best company for customer service in Monmouth Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Monmouth Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Monmouth 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 Monmouth Beach, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Monmouth Beach
What Influences the Cost of Car Insurance in Monmouth Beach?
On average, car insurance in Monmouth Beach 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 Monmouth Beach are higher than average 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.
- Monmouth 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 Monmouth Beach is $90 per month for minimum coverage and $151 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
- Sea Bright: Insurance costs 4.48% more
- Oceanport: Insurance costs 3.26% less
- Long Branch: Insurance costs 7.35% more
- Rumson: Insurance costs 3.98% more
- Little Silver: Insurance costs 1.55% less
- Fair Haven: Insurance costs 3.15% more
- West Long Branch: Insurance costs 1.33% less
- Fort Monmouth: Insurance costs 2.16% less
- Shrewsbury: Insurance costs 0.77% less
- Highlands: Insurance costs 1.49% more
Cities with Similar Populations
- Belews Creek: Insurance costs 32.78% less
- Bellwood: Insurance costs 27.36% less
- Black Creek: Insurance costs 40.41% less
- Burlington: Insurance costs 15.53% less
- Burt: Insurance costs 56.44% more
- Cashton: Insurance costs 36.65% less
- Monroe: Insurance costs 25.93% less
- Lithopolis: Insurance costs 37.48% less
- Newkirk: Insurance costs 6.91% less
- North Shore: Insurance costs 33.89% less