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Get Cheap Car Insurance in Ravine Gardens, Matawan, NJ

We monitor insurance prices, helping the average driver in Ravine Gardens save up to 37.9% on car insurance.

 

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The Cheapest Minimum Coverage in Ravine Gardens

The chart below shows the cheapest car insurance company in Ravine Gardens 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.

 
Ravine Gardens Insurer Monthly Cost
State Farm $61
Geico $64
Plymouth Rock Assurance $78
NJM $92

Savings for Every Kind of Ravine Gardens Driver

The table shows how much the average auto insurance customer in Ravine Gardens might save by following our recommendations.

Based on our extensive insurance data, we know the average Ravine Gardens 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 $483 per year by choosing the right vehicle insurance company. Some Ravine Gardens residents are paying out over $1,841 extra every year for auto insurance in Ravine Gardens. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Ravine Gardens, Matawan, NJ Savings / Yr.
Drivers with good records
$483
Drivers with accidents
$895
Drivers with speeding tickets
$687
Drivers with a DUI conviction
$593
Young drivers
$2,382
Married drivers
$464
Drivers with bad credit
$722

Ravine Gardens Car Insurance vs. Matawan

People living in Ravine Gardens pay an average of 1.39% more than the typical driver in the state. The average driver in Ravine Gardens can expect to pay about $1,098 per year, or $1,841 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Ravine Gardens for most people.

Car Insurance Prices by Ravine Gardens Neighborhood

Ravine Gardens, Matawan, NJ map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Ravine Gardens?

The map shows insurance prices in and around Ravine Gardens, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $138 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,906 to a low of $1,768. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Ravine Gardens.

Pick the Best Car Insurance Company for You in Ravine Gardens

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Ravine Gardens insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Ravine Gardens

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $483 over the average Ravine Gardens car insurance company.

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We use the average good driver, paying $113 per month, as our baseline for pricing in Ravine Gardens. Geico, NJM, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Ravine Gardens drivers with accidents on their records

In Ravine Gardens getting into an accident will raise premiums an average 35% for a yearly cost of $2,847. That's $1,006 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Geico, NJM, and Plymouth Rock Assurance are good choices for drivers with accidents.

In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $895 over the competition.

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The best car insurance company for Ravine Gardens drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $687 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Ravine Gardens, tickets raise premiums on new quotes about $391. If you have a speeding ticket, we recommend State Farm, Geico, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,233 per year.

The best auto insurance for Ravine Gardens drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,517 per year in auto insurance premiums, which was $675 more than a driver with no major issues. Geico, Progressive, and NJM penalized their customers the least for a DUI.

Getting a quote from NJM may cost the average person with a DUI about $593 less each year.

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The least expensive car insurance company for new and young drivers in Ravine Gardens

In Ravine Gardens, Geico costs young drivers $2,382 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Ravine Gardens. With an average cost of $6,279 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and NJM try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Ravine Gardens

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $70. State Farm, Geico, and Plymouth Rock Assurance provided the largest discounts to couples living in Ravine Gardens.

Geico gave the largest car insurance discounts to married couples, averaging $464 saved each year compared to an average Ravine Gardens couple's premiums.

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The cheapest car insurance in Ravine Gardens for drivers with bad credit

People with poor credit saved an average of $722 with NJM.

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Many people are surprised that their poor credit score can cost them an average of $1,096 every year. Premiums for people with poor credit were about $2,937 in Ravine Gardens. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and NJM.

The best Ravine Gardens car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Ravine Gardens, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks NJM as the best provider in Ravine Gardens.

Nationwide was the best company for customer service in Ravine Gardens according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Ravine Gardens, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Ravine Gardens. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Ravine Gardens

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 38% of Ravine Gardens residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ravine Gardens driver can expect to pay about $112 per month.

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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 Ravine Gardens, USAA has the best prices for none of the categories above.
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Auto Insurance Prices in and Around Ravine Gardens

What Influences the Cost of Car Insurance in Ravine Gardens?

On average, car insurance in Ravine Gardens 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 neighborhood are influenced by the following factors:

  • The average commute time in Ravine Gardens is 42 minutes, which is a little more than average for a driver in the city.
  • 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 Ravine Gardens 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.
  • Ravine Gardens is a fairly densely populated area in the state. The neighborhood’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 Ravine Gardens is $92 per month for minimum coverage and $153 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Ravine Gardens driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Ravine Gardens with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.