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Get Cheap Car Insurance in Ship Bottom, NJ
We monitor insurance prices, helping the average driver in Ship Bottom save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Ship Bottom
The chart below shows the cheapest car insurance company in Ship Bottom 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.
| Ship Bottom Insurer | Monthly Cost |
|---|---|
| State Farm | $61 |
| Geico | $63 |
| Plymouth Rock Assurance | $78 |
| NJM | $92 |
Savings for Every Kind of Ship Bottom Driver
Based on our extensive insurance data, we know the average Ship Bottom 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 $479 per year by choosing the right vehicle insurance company. Some Ship Bottom residents are paying out over $1,827 extra every year for auto insurance in Ship Bottom. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ship Bottom, NJ Savings / Yr. |
|---|---|
$479 |
|
$888 |
|
$682 |
|
$588 |
|
$2,363 |
|
$461 |
|
$716 |
Ship Bottom Car Insurance vs. New Jersey
People living in Ship Bottom pay an average of 0.59% more than the typical driver in the state. The average driver in Ship Bottom can expect to pay about $1,089 per year, or $1,827 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Ship Bottom for most people.
Car Insurance Prices by Ship Bottom Neighborhood
Insurance Prices
Where is insurance cheapest within Ship Bottom?
The map shows insurance prices in and around Ship Bottom, 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 $1,853 to a low of $1,760. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Ship Bottom.Pick the Best Car Insurance Company for You in Ship Bottom
The best car insurance provider for most drivers in Ship Bottom
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $479 over the average Ship Bottom car insurance company.
The best car insurance provider for Ship Bottom 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 $888 over the competition.
The best car insurance company for Ship Bottom drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $682 better than other car insurance companies.
The best auto insurance for Ship Bottom drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $588 less each year.
The least expensive car insurance company for new and young drivers in Ship Bottom
In Ship Bottom, Geico costs young drivers $2,363 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ship Bottom
Geico gave the largest car insurance discounts to married couples, averaging $461 saved each year compared to an average Ship Bottom couple's premiums.
The cheapest car insurance in Ship Bottom for drivers with bad credit
The best Ship Bottom car insurance company for customer service
Nationwide was the best company for customer service in Ship Bottom according to the NAIC.
Recent price drops
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The cheapest large national provider in Ship Bottom
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ship Bottom 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 Ship Bottom, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Ship Bottom
What Influences the Cost of Car Insurance in Ship Bottom?
On average, car insurance in Ship Bottom 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 Ship Bottom is 41 minutes, which is a little more than 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 Ship Bottom are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Ship Bottom 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 Ship Bottom is $91 per month for minimum coverage and $152 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
- Surf City: Insurance costs 5.15% less
- Beach Haven: Insurance costs 5.53% less
- North Beach Haven: Insurance costs 4.60% less
- Harvey Cedars: Insurance costs 2.19% less
- Manahawkin: Insurance costs 2.74% less
- Staffordville: Insurance costs 3.50% less
- West Creek: Insurance costs 5.04% less
- Parkertown: Insurance costs 3.01% less
- Mayetta: Insurance costs 5.15% less
- Barnegat Light: Insurance costs 7.17% less
Cities with Similar Populations
- Venus: Insurance costs 24.69% less
- Check: Insurance costs 34.37% less
- Chunky: Insurance costs 13.63% less
- Collins: Insurance costs 33.61% less
- Commiskey: Insurance costs 33.44% less
- Courtland: Insurance costs 14.94% less
- Crawford: Insurance costs 19.32% less
- Cuba: Insurance costs 23.48% less
- Culbertson: Insurance costs 8.65% less
- Culbertson: Insurance costs 16.26% less