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

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Garden State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

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 Carriers
Quotes ($/mo)
$154
$180
$226
Liberty MutualTravelersState Farm
Monthly $

Cheapest Car Insurance in Toms River, NJ

Here are the cheapest carriers in Toms River for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$279
$317
$295
$304
$294
$187
New JerseyNewarkJersey CityPatersonElizabethToms River
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Toms River, NJ Driving Facts

new-jersey

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

Insurify Insights: How Toms River Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Toms River, NJ
suspended licenses
#33
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Toms River drivers measure up to their fellow New Jersey motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Toms River

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 paid on average 63.16% more than drivers with a clean record

Speeding Toms River

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 paid on average 57.89% more than drivers with a clean record

DUI/DWIs Toms River

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 paid on average --% more than drivers with a clean record

Rude Toms River

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 paid on average 70.76% more than drivers with a clean record.

Safest Drivers Toms River

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%

Failure to Yield the Right of Way Toms River

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 paid on average --% more than drivers with a clean record

Reckless Drivers Toms River

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%

Most Popular Vehicle Toms River

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 Rate Comparison Methodology

The 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.