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Get Cheap Car Insurance in The Gardens, Ocean City, NJ
We monitor insurance prices, helping the average driver in The Gardens save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in The Gardens
The chart below shows the cheapest car insurance company in The 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.
| The Gardens Insurer | Monthly Cost |
|---|---|
| State Farm | $57 |
| Geico | $60 |
| Plymouth Rock Assurance | $73 |
| NJM | $87 |
Savings for Every Kind of The Gardens Driver
Based on our extensive insurance data, we know the average The 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 $453 per year by choosing the right vehicle insurance company. Some The Gardens residents are paying out over $1,729 extra every year for auto insurance in The Gardens. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
The Gardens, Ocean City, NJ Savings / Yr. |
|---|---|
$453 |
|
$841 |
|
$646 |
|
$557 |
|
$2,237 |
|
$436 |
|
$678 |
The Gardens Car Insurance vs. Ocean City
People living in The Gardens pay an average of 4.78% less than the typical driver in the state. The average driver in The Gardens can expect to pay about $1,031 per year, or $1,729 for full coverage.
Based on our analysis, Geico will be the cheapest provider in The Gardens for most people.
Car Insurance Prices by The Gardens Neighborhood
Insurance Prices
Where is insurance cheapest within The Gardens?
The map shows insurance prices in and around The Gardens, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $272 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,868 to a low of $1,596. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of The Gardens.Pick the Best Car Insurance Company for You in The Gardens
The best car insurance provider for most drivers in The Gardens
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $453 over the average The Gardens car insurance company.
The best car insurance provider for The Gardens 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 $841 over the competition.
The best car insurance company for The Gardens drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $646 better than other car insurance companies.
The best auto insurance for The Gardens drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $557 less each year.
The least expensive car insurance company for new and young drivers in The Gardens
In The Gardens, Geico costs young drivers $2,237 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in The Gardens
Geico gave the largest car insurance discounts to married couples, averaging $436 saved each year compared to an average The Gardens couple's premiums.
The cheapest car insurance in The Gardens for drivers with bad credit
The best The Gardens car insurance company for customer service
Nationwide was the best company for customer service in The Gardens according to the NAIC.
Recent price drops
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The cheapest large national provider in The Gardens
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average The Gardens 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 The Gardens, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around The Gardens
What Influences the Cost of Car Insurance in The Gardens?
On average, car insurance in The Gardens 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 neighborhood are influenced by the following factors:
- The average commute time in The Gardens is 34 minutes, which is a little less 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 The 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.
- The Gardens is one of the most densely populated areas 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 The Gardens 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 Neighborhoods
- Lower Chelsea: Insurance costs 20.24% more
- Chelsea: Insurance costs 22.56% more
- Westside: Insurance costs 23.66% more
- Atlantic City Inlet: Insurance costs 22.73% more
- Rising Sun-Lebanon: Insurance costs 3.70% more
- Kent Acres: Insurance costs 8.73% more
- Penns Beach: Insurance costs 4.05% more
- Northwest Wilmington: Insurance costs 27.76% more
- Downtown: Insurance costs 30.02% more
- 9th Ward: Insurance costs 30.19% more
Neighborhoods with Similar Populations
- Ol Sun: Insurance costs 0.98% more
- Cleveland Heights: Insurance costs 41.76% more
- Northlake Park at Lake Nona: Insurance costs 38.92% more
- New Hampshire Gardens: Insurance costs 24.18% more
- Meredith Parkwood: Insurance costs 27.82% more
- Lincoln-Lemington-Belmar: Insurance costs 1.97% less
- Villas at Norcross: Insurance costs 30.25% more
- Upper East Side: Insurance costs 31.41% less
- Downtown Hamtramck: Insurance costs 123.37% more
- Ward Parkway: Insurance costs 7.29% more