Best Auto Insurance Rates in Brick, New Jersey

On average your neighbors pay $104 a month.

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Compare Auto Insurance in Brick

With a population of just 75,072, Brick Township, New Jersey, is one of the many Jersey Shore cities with a beachy feel and an abundance of charm.

That’s not all it offers both residents and visitors. A 2006 Morgan Quinton study named Brick "America's Safest City," for example. And it’s earned many other accolades as well.

Average Brick Car Insurance Rates

How much is car insurance in Brick, NJ? Residents shouldn't be surprised to hear that insurance premiums in Brick are higher than the national average. New Jersey is the most expensive state in America for car insurance. The average cost of auto insurance in New Jersey is $1,265.69 per year. The national average price is $889.01.

Prices will vary depending on limits, coverage, and the number of claims filed in your zip code, so you may pay less.

New Jersey Average Annual Car Insurance Rates
Coverage Rates
Liability $869.57
Collision $381.86
Comprehensive $131.35
Total Cost Per Year $1,265.69
Price Per Month $104.72
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New Jersey insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New Jersey car insurance rates increased from $1,186 in 2011 to $1,263 in 2015, a jump of $79, or 6.70 percent.

New Jersey average car insurance rates

QuoteWizard thinks the residents of such an acclaimed city deserve cheap car insurance, too. Not only that, but we can help make it happen.

We do that by connecting people with national insurance companies and local agents. In fact, you can save up to 40 percent on your premium.

Last year, many people used QuoteWizard to compare quotes, from multiple companies and find the cheapest car insurance rates in Brick, NJ.

Best Car Insurance Companies in Brick, NJ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Brick, New Jersey last year. Only 20 of these users were uninsured.

Top 10 Vehicles in Brick

These are the most common car makes and models owned by Brick, NJ drivers requesting quotes through QuoteWizard last year.

  1. Jeep Grand Cherokee Laredo
  2. Chevrolet Malibu
  3. Honda Accord EX
  4. Honda Civic LX
  5. Ford Explorer
  6. Ford F150
  7. Hyundai Sonata SE/Limited/GLS
  8. Ford Fusion SE
  9. Ford Focus SE
  10. Jeep Grand Cherokee Limited
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Auto Insurance Requirements in Brick, NJ

Brick, New Jersey has a minimum coverage requirement known as the 15/30/5 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most an insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The total an insurance carrier will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $15,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

Brick drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Brick tends to have warm summers, as most longtime residents will tell you. In fact, they usually see around 206 days of full or partial sunshine every year. It's not all sunshine and clear skies though; on average, people in Brick deal with some amount of precipitation on 105 days annually. The city also receives around 10 inches of snowfall in a typical year. These weather conditions can cause slick road and dangerous driving conditions. 

Road Conditions

According to TRIPNET, 37 percent of New Jersey's major roads are in poor condition. These poorly maintained roads cost motorists a total of $6.9 billion annually in extra vehicle operating costs. That’s $632 per motorist. 

If you want to report a pothole in Brick, call 732-262-4602.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher insurance rates.

Traffic Tickets

The Brick Municipal Court website provides residents with an FAQ section and allows them to pay traffic summons.

Brick Municipal Court resolved 14,049 traffic cases in 2015. That’s a 58 percent decrease from 2014’s 33,731 traffic cases.

Drunk Driving Cases

The court also resolved 246 DWI cases in 2015. That’s a 13 percent decrease from the 284 DWI cases resolved in 2014.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Brick DWI insurance.

Car Accident Statistics

New Jersey’s Ocean County reported 16,540 car accidents in 2014. That’s a 6 percent decrease from the 17,658 car accidents in 2013.

Traffic Fatalities

Ocean County also reported 45 traffic fatalities in 2014. That’s an eight percent decrease from the 49 fatalities in 2013.

Car Insurance Discounts in Brick

Discounts are one of the best ways to lower your rates. These are some of the auto insurance discounts available to Brick, NJ drivers. Get a quote to find out which discounts you may qualify for from your current or multiple insurance companies.

  • Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  • Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  • Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  • Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  • Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  • Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  • Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  • Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  • Take a defensive driving course from an accredited driving school
  • Shop around and compare affordable Brick car insurance quotes

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