Best Cheap Auto Insurance in Toms River, NJ (2021)

The average Toms River, NJ auto insurance rates are $421 per month. The minimum auto insurance in Toms River is at least 15/30/5 in coverage to comply with New Jersey auto insurance laws. To find the best cheap auto insurance in Toms River, 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 minimum auto insurance required in Toms River, New Jersey is 15/30/5
  • The most expensive auto insurance company in Toms River for teen drivers is State Farm
  • The average commute length in Toms River is 28.0 minutes

Toms River, New Jersey auto insurance requirements are 15/30/5 according to New Jersey auto insurance laws. Finding cheap auto insurance in Toms River 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 Toms River, New Jersey, including driving record, credit, commute time, and more.

Compare auto insurance in Toms River to other New Jersey cities, including Trenton auto insurance rates, Bayonne auto insurance rates, and Camden auto insurance rates to see how Toms River, New Jersey auto insurance rates stack up.

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

Minimum Auto Insurance in Toms River, New Jersey

Toms River, 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 Toms River, New Jersey.

Minimum Required Auto Insurance Coverage in Toms River, 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 Toms River, New Jersey Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Toms River, 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 Toms River, 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 $3,192 $3,177 $3,103 $3,103 $9,989 $12,115 $3,761 $3,843
Farmers $4,378 $4,406 $4,272 $4,166 $12,545 $14,380 $5,182 $5,220
GEICO $2,199 $2,165 $2,153 $2,153 $3,998 $3,959 $2,536 $2,450
Liberty Mutual $4,406 $4,406 $4,837 $4,837 $11,371 $12,900 $4,837 $5,548
Progressive $1,806 $1,667 $1,633 $1,694 $7,916 $8,538 $2,121 $1,987
State Farm $3,770 $3,770 $3,419 $3,419 $12,321 $15,806 $4,296 $4,797
Travelers $3,094 $2,982 $2,867 $2,882 $6,907 $7,739 $2,989 $2,948

Cheap Toms River, New Jersey Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Toms River, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,989 $12,115
Farmers $12,545 $14,380
GEICO $3,998 $3,959
Liberty Mutual $11,371 $12,900
Progressive $7,916 $8,538
State Farm $12,321 $15,806
Travelers $6,907 $7,739

Cheap Toms River, New Jersey Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Toms River, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,103 $3,103
Farmers $4,272 $4,166
GEICO $2,153 $2,153
Liberty Mutual $4,837 $4,837
Progressive $1,633 $1,694
State Farm $3,419 $3,419
Travelers $2,867 $2,882

Cheap Toms River, 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 Toms River, New Jersey compared to the annual auto insurance rates with a clean record in Toms River, New Jersey.

Annual Toms River, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,963 $6,583 $5,773 $4,822
Farmers $5,299 $8,934 $7,335 $5,707
GEICO $2,103 $2,763 $3,839 $2,103
Liberty Mutual $6,379 $7,301 $6,511 $6,379
Progressive $2,926 $3,965 $3,368 $3,422
State Farm $3,517 $6,382 $10,243 $5,657
Travelers $3,113 $4,642 $4,469 $3,979

Cheap Toms River, New Jersey Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Toms River, New Jersey

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,773
Farmers $7,335
GEICO $3,839
Liberty Mutual $6,511
Progressive $3,368
State Farm $10,243
Travelers $4,469

Cheap Toms River, New Jersey Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Toms River, New Jersey

Insurance Company Poor Fair Good
Allstate $7,371 $4,753 $3,733
Farmers $8,142 $6,340 $5,974
GEICO $4,066 $2,341 $1,699
Liberty Mutual $8,417 $6,242 $5,270
Progressive $3,836 $3,343 $3,081
State Farm $9,320 $5,632 $4,397
Travelers $5,461 $3,987 $2,706

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Cheap Toms River, New Jersey Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Toms River, New Jersey

ZIP Code Average Annual Rates
8753 $4,755
8755 $4,755
8757 $4,821

Cheap Toms River, New Jersey Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Toms River, New Jersey

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,275 $5,296
Farmers $6,819 $6,819
GEICO $2,679 $2,725
Liberty Mutual $6,578 $6,707
Progressive $3,420 $3,420
State Farm $6,284 $6,615
Travelers $4,051 $4,051

Cheap Toms River, New Jersey Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Toms River, New Jersey

Insurance Company Low Medium High
Allstate $4,890 $5,361 $5,605
Farmers $6,081 $6,785 $7,590
GEICO $2,410 $2,754 $2,942
Liberty Mutual $5,935 $6,846 $7,148
Progressive $3,060 $3,483 $3,718
State Farm $5,991 $6,535 $6,823
Travelers $3,713 $4,051 $4,389

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Best By Category: Cheapest Auto Insurance in Toms River, New Jersey

Compare the cheapest auto insurance companies in Toms River, 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 Toms River, 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 Toms River, New Jersey Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Toms River, New Jersey

Insurance Company Average Annual Rates
Allstate $5,285
Farmers $6,819
GEICO $2,702
Liberty Mutual $6,643
Progressive $3,420
State Farm $6,450
Travelers $4,051

What affects auto insurance rates in Toms River, New Jersey?

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

Toms River Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Toms River, New Jersey commute length is 28.0 minutes according to City-Data.

Toms River Traffic

How does Toms River, New Jersey rank for traffic? According to Inrix Toms River, New Jersey is the 845th most congested worldwide.

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Compare Toms River, New Jersey Auto Insurance Quotes

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