Buy Cheap Toms River, NJ Auto Insurance (2021)

Toms River, NJ auto insurance rates average $421 a month. Minimum auto insurance requirements in Toms River, New Jersey are 15/30/5 to comply with New Jersey laws. To buy cheap auto insurance in Toms River, NJ, compare Toms River auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in Toms River, NJ after a DUI are $5,934/year
  • Average auto insurance rates in Toms River, NJ are $421/month
  • The most expensive auto insurance company in Toms River is Farmers

Finding affordable Toms River, New Jersey auto insurance can be challenging, but everything you need to know to buy cheap Toms River, NJ auto insurance with confidence is right here. Auto insurance rates in Toms River are affected by local factors as well as personal ones like your driving record.

See how Toms River, NJ car insurance rates compare to Elizabeth auto insurance rates, Trenton auto insurance rates, and Jersey City auto insurance rates before you read more about the cost of auto insurance in Toms River.

Don’t buy Toms River, NJ auto insurance until you’ve compared rates. Get free Toms River, New Jersey auto insurance quotes when you enter your ZIP code above.

Toms River, NJ Minimum Auto Insurance Requirements

The required auto insurance in Toms River, NJ is 15/30/5 according to the auto insurance laws in New Jersey. The minimum auto insurance in Toms River, New Jersey is outlined here.

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Toms River, NJ Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Toms River, NJ. Take a look at Toms River, New Jersey auto insurance rates by credit history.

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

Buy Cheap Toms River, NJ Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Toms River, New Jersey auto insurance rates? Find out how car insurance rates in Toms River, NJ are impacted by demographics.

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

Buy Cheap Toms River, NJ Auto Insurance for Teen Drivers

Auto insurance for teenagers in Toms River can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Toms River, NJ are listed here.

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

Buy Cheap Toms River, NJ Auto Insurance for Seniors

You can save on senior auto insurance rates in Toms River, New Jersey by comparing Toms River senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Toms River, NJ here.

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

Find Cheap Auto Insurance Rates in Toms River, NJ by Coverage Level

The amount of coverage you choose is a big factor in the cost of Toms River, New Jersey auto insurance. Compare Toms River, NJ 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Toms River, NJ Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Toms River. Compare auto insurance rates in Toms River, NJ by commute length to see how your daily commute impacts your rates.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Toms River, NJ Auto Insurance Rates by ZIP Code

Auto insurance rates in Toms River, New Jersey can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Toms River, NJ to see how much where you live in Toms River affects the cost of car insurance.

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

Find Cheap Toms River, NJ Auto Insurance Rates by Driving Record

Auto insurance rates in Toms River, New Jersey are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Toms River, NJ, take a look at the average cost for various violations versus rates for a clean driving record in Toms River.

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

Find Cheap Toms River, NJ Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Toms River, New Jersey is higher than for a clean driving record. You can buy auto insurance after a DUI in Toms River for less when you shop around and compare rates from multiple Toms River, NJ auto insurance companies.

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Winners by Category: Where to Buy Cheap Auto Insurance in Toms River, NJ

Compare rates from the cheapest auto insurance companies in Toms River, NJ for your needs. Take a look at how Toms River, New Jersey auto insurance companies stack up for each category.

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

Find Cheap Toms River, New Jersey Auto Insurance Companies

If you’re looking for the cheapest Toms River, NJ auto insurance companies overall, you can compare them here. Find the best price for Toms River, New Jersey car insurance by company.

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 Toms River, New Jersey auto insurance rates?

Local factors affect auto insurance rates in Toms River, NJ, including traffic, theft statistics, and commute length. Take a look at the things that impact Toms River auto insurance rates.

Commute Times in Toms River

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Toms River, NJ is 28.0 minutes according to City-Data.

Traffic in Toms River

How is traffic in Toms River, New Jersey? Inrix data shows that Toms River, NJ traffic makes it the 845th-most congested city compared to other cities worldwide.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Compare Auto Insurance Quotes in Toms River, NJ

You can buy cheap Toms River, NJ auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Toms River, New Jersey auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption