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Get Cheap Car Insurance in South Toms River, NJ
We monitor insurance prices, helping the average driver in South Toms River save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in South Toms River
The chart below shows the cheapest car insurance company in South Toms River 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 Toms River Insurer | Monthly Cost |
|---|---|
| State Farm | $62 |
| Geico | $64 |
| Plymouth Rock Assurance | $79 |
| NJM | $93 |
Savings for Every Kind of South Toms River Driver
Based on our extensive insurance data, we know the average South Toms River 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 $485 per year by choosing the right vehicle insurance company. Some South Toms River residents are paying out over $1,852 extra every year for auto insurance in South Toms River. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Toms River, NJ Savings / Yr. |
|---|---|
$485 |
|
$901 |
|
$692 |
|
$597 |
|
$2,396 |
|
$467 |
|
$726 |
South Toms River Car Insurance vs. New Jersey
People living in South Toms River pay an average of 1.99% more than the typical driver in the state. The average driver in South Toms River can expect to pay about $1,105 per year, or $1,852 for full coverage.
Based on our analysis, Geico will be the cheapest provider in South Toms River for most people.
Car Insurance Prices by South Toms River Neighborhood
Insurance Prices
Where is insurance cheapest within South Toms River?
The map shows insurance prices in and around South Toms River, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $137 per year within the city boundaries, with insurance premiums ranging from a high of $1,924 to a low of $1,787. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of South Toms River.Pick the Best Car Insurance Company for You in South Toms River
The best car insurance provider for most drivers in South Toms River
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $485 over the average South Toms River car insurance company.
The best car insurance provider for South Toms River 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 $901 over the competition.
The best car insurance company for South Toms River drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $692 better than other car insurance companies.
The best auto insurance for South Toms River drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $597 less each year.
The least expensive car insurance company for new and young drivers in South Toms River
In South Toms River, Geico costs young drivers $2,396 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Toms River
Geico gave the largest car insurance discounts to married couples, averaging $467 saved each year compared to an average South Toms River couple's premiums.
The cheapest car insurance in South Toms River for drivers with bad credit
The best South Toms River car insurance company for customer service
Nationwide was the best company for customer service in South Toms River according to the NAIC.
Recent price drops
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The cheapest large national provider in South Toms River
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average South Toms River 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 Toms River, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around South Toms River
What Influences the Cost of Car Insurance in South Toms River?
On average, car insurance in South Toms River 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 South Toms River 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.
- South Toms River is one of the least populated areas 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 South Toms River is $92 per month for minimum coverage and $154 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
- Beachwood: Insurance costs 5.72% less
- Holiday City South: Insurance costs 0.05% less
- Pine Beach: Insurance costs 6.53% less
- Island Heights: Insurance costs 7.45% less
- Holiday City-Berkeley: Insurance costs 3.19% less
- Bayville: Insurance costs 4.75% less
- Toms River: Insurance costs 4.48% less
- Ocean Gate: Insurance costs 5.56% less
- Pine Lake Park: Insurance costs 4.97% less
- Lanoka Harbor: Insurance costs 5.40% less
Cities with Similar Populations
- Avon: Insurance costs 12.58% less
- Baldwin: Insurance costs 1.08% less
- Banks: Insurance costs 16.90% less
- Carter Lake: Insurance costs 27.75% less
- Charlotte Harbor: Insurance costs 28.51% more
- Chatham: Insurance costs 18.14% more
- Chattaroy: Insurance costs 24.14% less
- Clyde: Insurance costs 10.26% more
- Cool: Insurance costs 5.45% more
- Rydal: Insurance costs 6.97% less