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Get Cheap Car Insurance in Neptune, NJ
We monitor insurance prices, helping the average driver in Neptune save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Neptune
The chart below shows the cheapest car insurance company in Neptune 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.
| Neptune Insurer | Monthly Cost |
|---|---|
| State Farm | $62 |
| Geico | $65 |
| Plymouth Rock Assurance | $79 |
| NJM | $94 |
Savings for Every Kind of Neptune Driver
Based on our extensive insurance data, we know the average Neptune 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 $489 per year by choosing the right vehicle insurance company. Some Neptune residents are paying out over $1,867 extra every year for auto insurance in Neptune. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Neptune, NJ Savings / Yr. |
|---|---|
$489 |
|
$908 |
|
$697 |
|
$602 |
|
$2,415 |
|
$471 |
|
$732 |
Neptune Car Insurance vs. New Jersey
People living in Neptune pay an average of 2.83% more than the typical driver in the state. The average driver in Neptune can expect to pay about $1,114 per year, or $1,867 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Neptune for most people.
Car Insurance Prices by Neptune Neighborhood
Insurance Prices
Where is insurance cheapest within Neptune?
The map shows insurance prices in and around Neptune, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $326 per year within the city boundaries, with insurance premiums ranging from a high of $2,023 to a low of $1,697. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Neptune.Pick the Best Car Insurance Company for You in Neptune
The best car insurance provider for most drivers in Neptune
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $489 over the average Neptune car insurance company.
The best car insurance provider for Neptune 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 $908 over the competition.
The best car insurance company for Neptune drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $697 better than other car insurance companies.
The best auto insurance for Neptune drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $602 less each year.
The least expensive car insurance company for new and young drivers in Neptune
In Neptune, Geico costs young drivers $2,415 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Neptune
Geico gave the largest car insurance discounts to married couples, averaging $471 saved each year compared to an average Neptune couple's premiums.
The cheapest car insurance in Neptune for drivers with bad credit
The best Neptune car insurance company for customer service
Recent price drops
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The cheapest large national provider in Neptune
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Neptune 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 Neptune, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Neptune
What Influences the Cost of Car Insurance in Neptune?
On average, car insurance in Neptune 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:
- 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 Neptune 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.
- Neptune is a fairly densely populated area 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 Neptune is $93 per month for minimum coverage and $156 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
- Shark River Hills: Insurance costs 6.27% less
- Neptune City: Insurance costs 5.36% less
- Asbury Park: Insurance costs 3.96% more
- Wanamassa: Insurance costs 2.89% less
- Bradley Beach: Insurance costs 0.16% more
- Ocean Grove: Insurance costs 5.25% less
- Avon-by-the-Sea: Insurance costs 3.27% less
- Interlaken: Insurance costs 4.61% less
- Belmar: Insurance costs 6.86% less
- Allenhurst: Insurance costs 3.54% less
Cities with Similar Populations
- Springtown: Insurance costs 9.91% less
- Shiloh: Insurance costs 31.23% less
- Socastee: Insurance costs 13.66% less
- South Amboy: Insurance costs 1.50% more
- South Burlington: Insurance costs 36.90% less
- South Euclid: Insurance costs 34.44% less
- South Holland: Insurance costs 6.96% more
- South Miami: Insurance costs 74.34% more
- South Milwaukee: Insurance costs 37.87% less
- South St. Paul: Insurance costs 11.25% less