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Drivers in Toms River, New Jersey, pay about $152 per month for state-minimum coverage and $218 for full coverage.
Toms River has an overall monthly car insurance average of $185. It’s cheaper than Newark, at $317 per month, and just above neighboring Brick, at $175 per month.
Toms River is in Ocean County, where vehicle theft rates are relatively low, according to Insurify data. During the summer, state Route 37 carries heavy traffic as visitors head to the Jersey Shore.[1] [2] This can increase congestion and crash risk — both of which can contribute to higher insurance rates.
NJM offers Toms River’s cheapest liability insurance, at $106 per month. NJM offers the city’s cheapest full coverage, at $134 per month, below the statewide average.
New Jersey drivers must meet the state’s car insurance requirements but can choose between a basic or standard policy. Both include personal injury protection (PIP), but a basic policy provides at least $5,000 in property damage liability.
A standard policy provides a minimum of $25,000 in property damage, as well as bodily injury liability and uninsured motorist coverage.
Full-coverage insurance also includes comprehensive insurance, which can help pay for vehicle damage caused by coastal flooding, storm surge, and other weather-related events. The table below shows Toms River’s cheapest liability-only and full-coverage rates.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| NJM | $106 | $134 |
| CSAA | $112 | $161 |
| Plymouth Rock | $115 | $178 |
| Progressive | $150 | $221 |
| Mercury | $182 | $251 |
| GEICO | $190 | $244 |
| Liberty Mutual | $222 | $272 |
| State Farm | $248 | $313 |
| Travelers | $320 | $404 |
Pay your first week’s premium and get immediate proof of insurance
Toms River’s car insurance premiums average less than premiums in Trenton but slightly more than premiums in neighboring Brick. Ocean County motor vehicle thefts fell 30% in early 2025, compared with a 20% decline in neighboring Monmouth County. Lower vehicle theft rates can help reduce insurance claims and may contribute to relatively affordable premiums.
Newark is the most expensive city in New Jersey for car insurance, while Brick and Toms River are the cheapest. Here’s how Toms River’s average monthly rates compare to other New Jersey cities.
City | Average Monthly Quote |
|---|---|
| Brick | $175 |
| Vineland | $205 |
| Hoboken | $206 |
| Edison | $211 |
| Bloomfield | $220 |
| Fair Lawn | $233 |
| Kearny | $233 |
| Bayonne | $234 |
| Trenton | $235 |
| Jersey City | $240 |
| Clifton | $252 |
| Fort Lee | $263 |
| Roselle | $271 |
| West New York | $273 |
| Linden | $274 |
| Perth Amboy | $274 |
| Plainfield | $280 |
| Camden | $290 |
| Elizabeth | $298 |
| Paterson | $301 |
| East Orange | $305 |
| Irvington | $306 |
| Passaic | $307 |
| Newark | $317 |
State Route 37 is the main road east in Toms River. It crosses Barnegat Bay at two points: the Mathis Bridge eastbound and the Tunney Bridge westbound toward Seaside Heights. The Garden State Parkway runs north to south through town and has its own Toms River toll plaza.[3]
It’s a good idea for drivers to check traffic conditions before heading out, keep an E-ZPass account funded, and allow extra time when entering or exiting the Parkway.
From mid-May through mid-September, traffic headed to the Shore swells, and backups can build fast at the bridges. Traveling early in the morning or later in the evening may help you avoid the heaviest congestion. Even so, the typical local commute stays around 30 minutes, close to the state norm.[4]
The Toms River Police Department runs driving while intoxicated (DWI) patrols and checkpoints all year, so drivers should always arrange a sober ride, use a designated driver, or book a rideshare after drinking.
Low-lying areas near Barnegat Bay and the Toms River are in Federal Emergency Management Agency (FEMA) flood hazard zones, so storm surge and heavy rain can cause water to rise on the road.[5] The same goes for spots near Silver Bay, Long Swamp Creek, and Polhemus Creek, where drivers should watch for standing water after storms.
Roadside assistance helps if you’re stranded by a breakdown on the Garden State Parkway or a flooded low-lying stretch.
Toms River drivers come in a little cleaner than the state overall. Roughly 2% have a speeding ticket, 5% have an accident on record, and less than 1% have a driving under the influence (DWI) conviction, according to Insurify data. New Jersey’s no-fault system requires PIP, which covers your medical bills after a Parkway crash regardless of who caused it.
The table shows Toms River’s average monthly rates by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $185 |
| Speeding ticket | $248 |
| At-fault accident | $209 |
| DWI | $298 |
Experienced older drivers in Toms River pay less for car insurance, while teens pay the most — often nearly double that of drivers in their 70s.
Speeding plays a part in 30% of fatal crashes involving a New Jersey teen driver.[6] The state’s graduated licensing law addresses that risk with a night curfew and a one-passenger limit.
The table below shows average monthly rates for Toms River drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $303 |
| 20s | $219 |
| 30s | $197 |
| 40s | $202 |
| 50s | $190 |
| 60s | $161 |
| 70+ | $151 |
*Quotes generated for Insurify users in and around Toms River, New Jersey within the last 10 days. Last updated on August 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Toms River, New Jersey within the last 10 days. Last updated on August 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Expert tips from licensed insurance agents |
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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Toms River drivers may have more questions when shopping for coverage. Here are quick answers on costs, the cheapest insurer, and where to compare auto insurance quotes.
Car insurance in Toms River averages $185 per month. State-minimum coverage runs about $152, and full coverage averages $218, according to Insurify data.
NJM has the cheapest car insurance in Toms River, at $106 per month for liability-only coverage, according to Insurify data. Your actual rate depends on your record, age, policy deductible, and ZIP code.
Compare quotes from multiple insurers to find the best car insurance in Toms River. Ask about increasing your deductibles and available discounts. For example, bundling your auto insurance with homeowners insurance, condo, renters, or motorcycle insurance may provide meaningful savings.
GEICO accounts for the largest share of private-passenger auto policies in New Jersey, followed by Progressive, NJM, and State Farm, according to the State of New Jersey Department of Banking and Insurance’s Private Passenger Auto Semi-Annual Report.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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