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Get Cheap Car Insurance in Point Pleasant, NJ
We monitor insurance prices, helping the average driver in Point Pleasant save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Point Pleasant
The chart below shows the cheapest car insurance company in Point Pleasant 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.
| Point Pleasant Insurer | Monthly Cost |
|---|---|
| State Farm | $58 |
| Geico | $60 |
| Plymouth Rock Assurance | $74 |
| NJM | $87 |
Savings for Every Kind of Point Pleasant Driver
Based on our extensive insurance data, we know the average Point Pleasant 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 $457 per year by choosing the right vehicle insurance company. Some Point Pleasant residents are paying out over $1,742 extra every year for auto insurance in Point Pleasant. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Point Pleasant, NJ Savings / Yr. |
|---|---|
$457 |
|
$847 |
|
$650 |
|
$561 |
|
$2,253 |
|
$439 |
|
$683 |
Point Pleasant Car Insurance vs. New Jersey
People living in Point Pleasant pay an average of 4.08% less than the typical driver in the state. The average driver in Point Pleasant can expect to pay about $1,039 per year, or $1,742 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Point Pleasant for most people.
Car Insurance Prices by Point Pleasant Neighborhood
Insurance Prices
Where is insurance cheapest within Point Pleasant?
The map shows insurance prices in and around Point Pleasant, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $162 per year within the city boundaries, with insurance premiums ranging from a high of $1,824 to a low of $1,662. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southeast parts of Point Pleasant.Pick the Best Car Insurance Company for You in Point Pleasant
The best car insurance provider for most drivers in Point Pleasant
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $457 over the average Point Pleasant car insurance company.
The best car insurance provider for Point Pleasant 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 $847 over the competition.
The best car insurance company for Point Pleasant drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $650 better than other car insurance companies.
The best auto insurance for Point Pleasant drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $561 less each year.
The least expensive car insurance company for new and young drivers in Point Pleasant
In Point Pleasant, Geico costs young drivers $2,253 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Point Pleasant
Geico gave the largest car insurance discounts to married couples, averaging $439 saved each year compared to an average Point Pleasant couple's premiums.
The cheapest car insurance in Point Pleasant for drivers with bad credit
The best Point Pleasant car insurance company for customer service
Nationwide was the best company for customer service in Point Pleasant according to the NAIC.
Recent price drops
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The cheapest large national provider in Point Pleasant
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Point Pleasant 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 Point Pleasant, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Point Pleasant
What Influences the Cost of Car Insurance in Point Pleasant?
On average, car insurance in Point Pleasant 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:
- The average commute time in Point Pleasant is 38 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 Point Pleasant are about 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.
- Point Pleasant is a lightly populated area 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 Point Pleasant is $87 per month for minimum coverage and $145 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
- Bay Head: Insurance costs 2.35% less
- Point Pleasant Beach: Insurance costs 0.46% less
- Brielle: Insurance costs 0.46% less
- Brick: Insurance costs 0.69% more
- Manasquan: Insurance costs 1.49% less
- Mantoloking: Insurance costs 4.02% more
- Sea Girt: Insurance costs 1.15% less
- Allenwood: Insurance costs 0.63% less
- Spring Lake Heights: Insurance costs 0.34% more
- Spring Lake: Insurance costs 3.10% more
Cities with Similar Populations
- Somerton: Insurance costs 3.56% more
- Florence: Insurance costs 1.55% less
- Floresville: Insurance costs 3.79% less
- Foothill Ranch: Insurance costs 21.47% more
- Forest City: Insurance costs 28.01% less
- Forest Lake: Insurance costs 4.08% less
- Forked River: Insurance costs 0.17% less
- Fort Payne: Insurance costs 13.32% less
- Sharon: Insurance costs 5.86% less
- Sienna Plantation: Insurance costs 6.08% more