Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in South Amboy, NJ
We monitor insurance prices, helping the average driver in South Amboy save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in South Amboy
The chart below shows the cheapest car insurance company in South Amboy 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.
| South Amboy Insurer | Monthly Cost |
|---|---|
| State Farm | $63 |
| Geico | $65 |
| Plymouth Rock Assurance | $80 |
| NJM | $95 |
Savings for Every Kind of South Amboy Driver
Based on our extensive insurance data, we know the average South Amboy 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 $497 per year by choosing the right vehicle insurance company. Some South Amboy residents are paying out over $1,895 extra every year for auto insurance in South Amboy. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Amboy, NJ Savings / Yr. |
|---|---|
$497 |
|
$921 |
|
$708 |
|
$610 |
|
$2,451 |
|
$478 |
|
$743 |
South Amboy Car Insurance vs. New Jersey
People living in South Amboy pay an average of 4.35% more than the typical driver in the state. The average driver in South Amboy can expect to pay about $1,130 per year, or $1,895 for full coverage.
Based on our analysis, Geico will be the cheapest provider in South Amboy for most people.
Car Insurance Prices by South Amboy Neighborhood
Insurance Prices
Where is insurance cheapest within South Amboy?
The map shows insurance prices in and around South Amboy, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $242 per year within the city boundaries, with insurance premiums ranging from a high of $2,023 to a low of $1,781. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of South Amboy.Pick the Best Car Insurance Company for You in South Amboy
The best car insurance provider for most drivers in South Amboy
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $497 over the average South Amboy car insurance company.
The best car insurance provider for South Amboy 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 $921 over the competition.
The best car insurance company for South Amboy drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $708 better than other car insurance companies.
The best auto insurance for South Amboy drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $610 less each year.
The least expensive car insurance company for new and young drivers in South Amboy
In South Amboy, Geico costs young drivers $2,451 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Amboy
Geico gave the largest car insurance discounts to married couples, averaging $478 saved each year compared to an average South Amboy couple's premiums.
The cheapest car insurance in South Amboy for drivers with bad credit
The best South Amboy car insurance company for customer service
Nationwide was the best company for customer service in South Amboy according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in South Amboy, which was better than other insurers.
The cheapest large national provider in South Amboy
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average South Amboy 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 South Amboy, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around South Amboy
What Influences the Cost of Car Insurance in South Amboy?
On average, car insurance in South Amboy 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 South Amboy 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 South Amboy are lower than average 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.
- South Amboy has an average population density 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 South Amboy is $94 per month for minimum coverage and $158 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
- Parlin: Insurance costs 3.54% more
- Madison Park: Insurance costs 4.96% more
- Laurence Harbor: Insurance costs 1.32% more
- Cliffwood: Insurance costs 2.69% more
- Perth Amboy: Insurance costs 12.82% more
- Keasbey: Insurance costs 1.42% more
- Sayreville: Insurance costs 1.42% more
- Matawan: Insurance costs 0.37% less
- Keyport: Insurance costs 4.80% less
- Fords: Insurance costs 6.65% more
Cities with Similar Populations
- Granite Bay: Insurance costs 8.92% more
- Florida City: Insurance costs 71.56% more
- Florida Ridge: Insurance costs 33.30% more
- Forest Lake: Insurance costs 11.82% less
- Forest Park: Insurance costs 32.14% less
- Frankfort: Insurance costs 36.78% less
- Gardner: Insurance costs 19.31% less
- Gatesville: Insurance costs 11.03% less
- Gloversville: Insurance costs 15.20% more
- Floral Park: Insurance costs 51.98% more