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Get Cheap Car Insurance in Surf City, NJ
We monitor insurance prices, helping the average driver in Surf City save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Surf City
The chart below shows the cheapest car insurance company in Surf City 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.
| Surf City Insurer | Monthly Cost |
|---|---|
| State Farm | $58 |
| Geico | $60 |
| Plymouth Rock Assurance | $74 |
| NJM | $87 |
Savings for Every Kind of Surf City Driver
Based on our extensive insurance data, we know the average Surf City 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 $454 per year by choosing the right vehicle insurance company. Some Surf City residents are paying out over $1,733 extra every year for auto insurance in Surf City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Surf City, NJ Savings / Yr. |
|---|---|
$454 |
|
$843 |
|
$647 |
|
$558 |
|
$2,242 |
|
$437 |
|
$680 |
Surf City Car Insurance vs. New Jersey
People living in Surf City pay an average of 4.56% less than the typical driver in the state. The average driver in Surf City can expect to pay about $1,034 per year, or $1,733 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Surf City for most people.
Car Insurance Prices by Surf City Neighborhood
Insurance Prices
Where is insurance cheapest within Surf City?
The map shows insurance prices in and around Surf City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $42 per year within the city boundaries, with insurance premiums ranging from a high of $1,760 to a low of $1,718. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of Surf City.Pick the Best Car Insurance Company for You in Surf City
The best car insurance provider for most drivers in Surf City
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $454 over the average Surf City car insurance company.
The best car insurance provider for Surf City 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 $843 over the competition.
The best car insurance company for Surf City drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $647 better than other car insurance companies.
The best auto insurance for Surf City drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $558 less each year.
The least expensive car insurance company for new and young drivers in Surf City
In Surf City, Geico costs young drivers $2,242 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Surf City
Geico gave the largest car insurance discounts to married couples, averaging $437 saved each year compared to an average Surf City couple's premiums.
The cheapest car insurance in Surf City for drivers with bad credit
The best Surf City car insurance company for customer service
Recent price drops
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The cheapest large national provider in Surf City
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Surf City 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 Surf City, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Surf City
What Influences the Cost of Car Insurance in Surf City?
On average, car insurance in Surf City 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 Surf City is 37 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 Surf City are among the highest 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.
- Surf City 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 Surf City is $86 per month for minimum coverage and $144 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
- Ship Bottom: Insurance costs 5.42% more
- Harvey Cedars: Insurance costs 3.12% more
- Beach Haven: Insurance costs 0.40% less
- Manahawkin: Insurance costs 2.54% more
- North Beach Haven: Insurance costs 0.58% more
- Staffordville: Insurance costs 1.73% more
- West Creek: Insurance costs 0.12% more
- Barnegat Light: Insurance costs 2.14% less
- Mayetta: Insurance costs the same
- Barnegat: Insurance costs 3.64% more
Cities with Similar Populations
- Walterville: Insurance costs 18.47% less
- Crab Orchard: Insurance costs 22.68% less
- Cranmoor: Insurance costs 34.91% less
- Creston: Insurance costs 7.39% more
- Crosby: Insurance costs 13.10% less
- Cross Roads: Insurance costs 2.83% less
- Croton Heights: Insurance costs 65.95% more
- Dallas: Insurance costs 32.14% less
- Dammeron Valley: Insurance costs 22.50% less
- East Corinth: Insurance costs 44.95% less