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Get Cheap Car Insurance in Toms River, NJ
We monitor insurance prices, helping the average driver in Toms River save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Toms River
The chart below shows the cheapest car insurance company in 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.
| Toms River Insurer | Monthly Cost |
|---|---|
| State Farm | $59 |
| Geico | $61 |
| Plymouth Rock Assurance | $75 |
| NJM | $89 |
Savings for Every Kind of Toms River Driver
Based on our extensive insurance data, we know the average 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 $464 per year by choosing the right vehicle insurance company. Some Toms River residents are paying out over $1,769 extra every year for auto insurance in Toms River. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Toms River, NJ Savings / Yr. |
|---|---|
$464 |
|
$860 |
|
$660 |
|
$570 |
|
$2,288 |
|
$446 |
|
$693 |
Toms River Car Insurance vs. New Jersey
People living in Toms River pay an average of 2.60% less than the typical driver in the state. The average driver in Toms River can expect to pay about $1,055 per year, or $1,769 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Toms River for most people.
Car Insurance Prices by Toms River Neighborhood
Insurance Prices
Where is insurance cheapest within Toms River?
The map shows insurance prices in and around Toms River, 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 city boundaries, with insurance premiums ranging from a high of $1,928 to a low of $1,656. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the South parts of Toms River.Pick the Best Car Insurance Company for You in Toms River
The best car insurance provider for most drivers in Toms River
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $464 over the average Toms River car insurance company.
The best car insurance provider for 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 $860 over the competition.
The best car insurance company for Toms River drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $660 better than other car insurance companies.
The best auto insurance for Toms River drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $570 less each year.
The least expensive car insurance company for new and young drivers in Toms River
In Toms River, Geico costs young drivers $2,288 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Toms River
Geico gave the largest car insurance discounts to married couples, averaging $446 saved each year compared to an average Toms River couple's premiums.
The cheapest car insurance in Toms River for drivers with bad credit
The best Toms River car insurance company for customer service
Nationwide was the best company for customer service in Toms River according to the NAIC.
Recent price drops
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The cheapest large national provider in Toms River
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average 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 Toms River, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Toms River
What Influences the Cost of Car Insurance in Toms River?
On average, car insurance in Toms River 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 Toms River is 38 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 Toms River are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Toms River is one of the most densely populated areas 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 Toms River is $88 per month for minimum coverage and $147 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
- Island Heights: Insurance costs 3.11% less
- South Toms River: Insurance costs 4.69% more
- Pine Beach: Insurance costs 2.15% less
- Holiday City South: Insurance costs 4.64% more
- Beachwood: Insurance costs 1.30% less
- Pine Lake Park: Insurance costs 0.51% less
- Holiday City-Berkeley: Insurance costs 1.36% more
- Ocean Gate: Insurance costs 1.13% less
- Mantoloking: Insurance costs 2.43% more
- Bayville: Insurance costs 0.28% less
Cities with Similar Populations
- Anchorage: Insurance costs 14.36% less
- Bayonne: Insurance costs 25.83% more
- Apple Valley: Insurance costs 18.82% more
- Atascocita: Insurance costs 4.58% more
- Ames: Insurance costs 31.77% less
- Alpharetta: Insurance costs 9.38% more
- Baltimore: Insurance costs 15.21% more
- Apopka: Insurance costs 48.73% more
- Acworth: Insurance costs 7.97% more
- Albany: Insurance costs 0.45% less