Best Cheap Auto Insurance in Neptune, NJ (2021)

The average Neptune, NJ auto insurance rates are $416 per month. The minimum auto insurance in Neptune is at least 15/30/5 in coverage to comply with New Jersey auto insurance laws. To find the best cheap auto insurance in Neptune, New Jersey, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Neptune for teen drivers is State Farm
  • The cheapest auto insurance company in Neptune is GEICO
  • The minimum auto insurance required in Neptune, New Jersey is 15/30/5

Neptune, New Jersey auto insurance requirements are 15/30/5 according to New Jersey auto insurance laws. Finding cheap auto insurance in Neptune can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Neptune, New Jersey, including driving record, credit, commute time, and more.

Compare auto insurance in Neptune to other New Jersey cities, including Paterson auto insurance rates, Clifton auto insurance rates, and Elizabeth auto insurance rates to see how Neptune, New Jersey auto insurance rates stack up.

Before you buy Neptune, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Neptune, New Jersey auto insurance quotes.

Minimum Auto Insurance in Neptune, New Jersey

Neptune, New Jersey auto insurance laws require that you have at least the New Jersey minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Neptune, New Jersey.

Minimum Required Auto Insurance Coverage in Neptune, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Neptune, New Jersey Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Neptune, New Jersey are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Neptune, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,008 $2,993 $2,917 $2,917 $9,437 $11,573 $3,528 $3,640
Farmers $4,307 $4,344 $4,199 $4,107 $12,500 $14,371 $5,111 $5,190
GEICO $2,244 $2,202 $2,189 $2,189 $4,060 $4,055 $2,576 $2,511
Liberty Mutual $4,102 $4,102 $4,503 $4,503 $10,606 $12,035 $4,503 $5,167
Progressive $1,844 $1,707 $1,668 $1,717 $8,246 $9,026 $2,174 $2,072
State Farm $4,087 $4,087 $3,698 $3,698 $13,342 $17,131 $4,656 $5,200
Travelers $2,795 $2,728 $2,585 $2,618 $6,374 $7,226 $2,736 $2,725

Cheap Neptune, New Jersey Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Neptune, New Jersey is a challenge. Take a look at the annual teen auto insurance rates in Neptune, New Jersey.

Annual Auto Insurance Rates for Teen Drivers in Neptune, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,437 $11,573
Farmers $12,500 $14,371
GEICO $4,060 $4,055
Liberty Mutual $10,606 $12,035
Progressive $8,246 $9,026
State Farm $13,342 $17,131
Travelers $6,374 $7,226

Cheap Neptune, New Jersey Auto Insurance for Seniors

What are senior auto insurance rates in Neptune, New Jersey? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Neptune, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,917 $2,917
Farmers $4,199 $4,107
GEICO $2,189 $2,189
Liberty Mutual $4,503 $4,503
Progressive $1,668 $1,717
State Farm $3,698 $3,698
Travelers $2,585 $2,618

Cheap Neptune, New Jersey Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Neptune, New Jersey compared to the annual auto insurance rates with a clean record in Neptune, New Jersey.

Annual Neptune, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,750 $6,236 $5,457 $4,563
Farmers $5,255 $8,885 $7,248 $5,676
GEICO $2,141 $2,815 $3,916 $2,141
Liberty Mutual $5,946 $6,800 $6,069 $5,946
Progressive $3,060 $4,107 $3,497 $3,563
State Farm $3,802 $6,912 $11,110 $6,126
Travelers $2,872 $4,242 $4,098 $3,682

Cheap Neptune, New Jersey Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Neptune, New Jersey is not easy. Compare the annual rates for DUI auto insurance in Neptune, New Jersey to find the best deal.

Annual Auto Insurance Rates After a DUI in Neptune, New Jersey

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,457
Farmers $7,248
GEICO $3,916
Liberty Mutual $6,069
Progressive $3,497
State Farm $11,110
Travelers $4,098

Cheap Neptune, New Jersey Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Neptune, New Jersey annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Neptune, New Jersey

Insurance Company Poor Fair Good
Allstate $6,947 $4,502 $3,556
Farmers $8,070 $6,292 $5,936
GEICO $4,145 $2,385 $1,729
Liberty Mutual $7,837 $5,818 $4,915
Progressive $3,978 $3,478 $3,215
State Farm $10,105 $6,100 $4,758
Travelers $4,969 $3,667 $2,534

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Cheap Neptune, New Jersey Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Neptune, New Jersey can vary. Compare the annual cost of auto insurance by ZIP code in Neptune, New Jersey to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Neptune, New Jersey

ZIP Code Average Annual Rates
7753 $4,718

Cheap Neptune, New Jersey Auto Insurance Rates By Commute

Commute length and annual mileage affect Neptune, New Jersey auto insurance. Find the cheapest annual Neptune, New Jersey auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Neptune, New Jersey

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,992 $5,011
Farmers $6,766 $6,766
GEICO $2,730 $2,776
Liberty Mutual $6,130 $6,250
Progressive $3,557 $3,557
State Farm $6,809 $7,166
Travelers $3,724 $3,724

Cheap Neptune, New Jersey Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Neptune, New Jersey? Check out the comparison of annual Neptune, New Jersey auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Neptune, New Jersey

Insurance Company Low Medium High
Allstate $4,613 $5,075 $5,316
Farmers $6,044 $6,726 $7,528
GEICO $2,462 $2,807 $2,990
Liberty Mutual $5,522 $6,382 $6,666
Progressive $3,199 $3,616 $3,855
State Farm $6,502 $7,077 $7,383
Travelers $3,420 $3,727 $4,024

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Best By Category: Cheapest Auto Insurance in Neptune, New Jersey

Compare the cheapest auto insurance companies in Neptune, New Jersey in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Neptune, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

The Cheapest Neptune, New Jersey Auto Insurance Companies

What auto insurance companies in Neptune, New Jersey are the cheapest? Compare the top Neptune, New Jersey auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Neptune, New Jersey

Insurance Company Average Annual Rates
Allstate $5,002
Farmers $6,766
GEICO $2,753
Liberty Mutual $6,190
Progressive $3,557
State Farm $6,988
Travelers $3,724

What affects auto insurance rates in Neptune, New Jersey?

There are a lot of reasons why auto insurance rates in Neptune, New Jersey are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Neptune, New Jersey. Many local factors may affect your Neptune auto insurance rates.

Neptune Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Neptune, New Jersey commute length is 25.7 minutes according to City-Data.

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Compare Neptune, New Jersey Auto Insurance Quotes

Before you buy Neptune, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Neptune, New Jersey auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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