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Cheap Auto Insurance Quotes in Toms River, NJ (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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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.

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.

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 RiverQuotes
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 NJ

New Jersey requires all drivers to purchase either a basic or standard insurance policy. The basic policy liability limit is as follows:

  • $5,000 of property damage liability per accident

The standard policy liability limits are as follows:

  • $15,000 of bodily injury liability insurance per person, per accident
  • $30,000 of bodily injury liability for multiple injured people per accident
  • $5,000 of property damage liability per accident

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.

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  • Personalized quotes in 5 minutes or less
  • No signup required

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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

Honda Accord

Most Popular Car in Toms River

#20

City with the Most Speeding Tickets Rank in New Jersey

#14

City with the Most Moving Violations Rank in New Jersey

#6

City with the Most DUIs Rank in New Jersey

#24

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 4 in the number of car accidents per driver across all cities in New Jersey.

    • Rank within state: #4
    • Percent of drivers in Toms River with an accident: 11.9%
    • Drivers in Toms River, NJ with an accident in their driving history pay on average 63.16% more than drivers with a clean record
  • 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 20 in the number of speeding infractions per driver.

    • Rank within state: #20
    • Percent of drivers in Toms River with a speeding ticket: 4.09%
    • Drivers in Toms River, NJ with a speeding ticket in their driving history pay on average 57.89% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Toms River drivers rank 6 in the number of DUI’s per driver across all cities in New Jersey.

    • Rank within state: #6
    • Percent of drivers in Toms River with a DUI: 1.3%
    • Drivers in Toms River, NJ with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • 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 4 in rude driving infractions.

    • Rank within state: #4
    • Percent of drivers in Toms River with a reckless driving violation: 2.23%
    • Drivers in Toms River, NJ with a reckless driving violation in their driving history pay on average 70.76% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Toms River drivers rank 9 in clean driving records across all cities in New Jersey.

    • Rank within state: #9
    • Percent of drivers in Toms River with clean record: 83.83%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Toms River drivers rank 5 in failure to yield violations per driver across all cities in New Jersey.

    • Rank within state: #5
    • Percent of drivers in Toms River with a failure to yield violation: 0.37%
    • Drivers in Toms River, NJ with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • 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 2 in the number of reckless driving offenses per driver.

    • Rank within state: #2
    • Percent of drivers in Toms River with a reckless driving offense: 0.19%
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Toms River is the Honda Accord.

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.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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