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Cheap Auto Insurance Quotes in Toms River, NJ (September 2022)
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Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka
Updated February 4, 2022
Car Insurance in Toms River, NJ
The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Toms River, NJ to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Toms River is $213 per month, or $2556 annually.
- Car insurance in Toms River is $27 less than the average cost of car insurance in New Jersey.
- The cheapest car insurance provider in Toms River on average is Plymouth Rock, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Liberty Mutual$154
Travelers$180
State Farm$226
Cheapest Car Insurance in Toms River, NJ
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Toms River | QuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Liberty Mutual | $154 /mo |
| Travelers | $180 /mo |
| State Farm | $226 /mo |
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Average Car Insurance Cost
| New Jersey Cities | |
|---|---|
| Newark | $317/mo |
| Jersey City | $303/mo |
| Paterson | $304/mo |
| Elizabeth | $294/mo |
| Toms River | $187/mo |
| New Jersey | $281/mo |
Toms River$187
Average for NJ$281
Elizabeth$294
Jersey City$303
Paterson$304
Newark$317
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in New Jersey
All motor vehicles operated or parked on New Jersey roadways are required to be insured with either a basic or standard insurance plan. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
Where the basic plan only requires $5,000 per accident of property damage liability insurance, the minimum liability insurance requirements for a standard plan in New Jersey[1] are:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Jersey is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
- $5,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
- $15,000per person for uninsured underinsured motorist bodily injury
- $30,000 per accident for uninsured/underinsured motorist bodily injury
- $5,000 per accident for uninsured/underinsured motorist property damage
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.
Most Patriotic City
Toms River
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Toms River won Insurify's Most Patriotic Cities Award for the state of New Jersey.
FAQs - Toms River, NJ Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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- Personalized quotes in 5 minutes or less
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurify Insights
How Toms River Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Toms River, New Jersey below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Toms River drivers measure up to their fellow motorists across New Jersey in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Toms River
#36
City with the Most Speeding Tickets Rank in New Jersey
#17
City with the Most Moving Violations Rank in New Jersey
#11
City with the Most DUIs Rank in New Jersey
#47
City with the Most Suspended Licenses in New Jersey
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Toms River drivers rank 22 in the number of car accidents per driver across all cities in New Jersey.
- Rank within state: #22
- Percent of drivers in Toms River with an accident: 10.2%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Toms River drivers rank 11 in the number of DUI’s per driver across all cities in New Jersey.
- Rank within state: #11
- Percent of drivers in Toms River with a DUI: 1.6%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New Jersey, Toms River drivers rank 58 in the number of reckless driving offenses per driver.
- Rank within state: #58
- Percent of drivers in Toms River with a reckless driving offense: 1.2%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New Jersey, Toms River drivers rank 44 in rude driving infractions.
- Rank within state: #44
- Percent of drivers in Toms River with a reckless driving violation: 1.9%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, Toms River drivers rank 36 in the number of speeding infractions per driver.
- Rank within state: #36
- Percent of drivers in Toms River with a speeding ticket: 5.9%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Toms River drivers rank 67 in clean driving records across all cities in New Jersey.
- Rank within state: #67
- Percent of drivers in Toms River with clean record: 77.4%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Toms River drivers rank 46 in hybrid and electric vehicle ownership across all cities in New Jersey.
- Rank within state: #46
- Percent of drivers in Toms River with a hybrid/electric vehicle: 1.03%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Learn MoreSources
- New Jersey Department of Banking and Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022