Best Auto Insurance Rates in Toms River, New Jersey

On average your neighbors pay $104 a month.

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Wednesday, November 14 2018 By Shantae Young

Toms River, New Jersey, has a lot to offer its nearly 90,000 residents. That includes great drinking and dining establishments, of course, but it also includes museums, festivals, and even riverfront activities.

With all Toms River offers its residents, we think cheap car insurance should be one of them.

Average Toms River Car Insurance Rates

How much is car insurance in Toms River, NJ? Premiumss in Toms River are higher than the national average. Which makes sense, as 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 your driving record, limits, coverage, and the number of claims filed in your zip code.

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

Let QuoteWizard connect you with national insurance companies and local agents so you can compare quotes and save money. Specifically, you can save up to 40 percent on your car insurance policy.

Last year, 1,053 people used QuoteWizard to compare car insurance quotes in Toms River, NJ from multiple companies to lower their rates.

Best Car Insurance Companies in Toms River, NJ

This is our list of the most common car insurance companies reported by QuoteWizard users in Toms River, New Jersey last year. Of those users, only 34 did not have insurance when they requested a quote.

  1. GEICO
  2. Allstate
  3. Progressive
  4. Liberty Mutual
  5. Farmers
  6. State Farm
  7. Esurance
  8. AAA
  9. USAA
  10. MetLife
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles Toms River

This is our list of the most common car makes and models owned by Toms River, NJ drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Hyundai Sonata GLS
  4. Honda Civic EX
  5. Kia Soul
  6. Hyundai Tucson GL
  7. Jeep Liberty Limited
  8. Dodge Ram 1500
  9. Toyota RAV4
  10. Ford Escape XLT
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Minimum Auto Insurance Requirements in Toms River, NJ

Toms River, 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.

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Weather

The warm, humid climate in Toms River is much like the rest of New Jersey. What does that mean for its weather? On average, Toms River sees 205 days of full or partial sunshine every year. It also experiences around 100 days of measurable precipitation annually. Snow is common to this area, with about 25 inches of falling in a typical year.

Road Conditions

According to TRIPNET, 37 percent of New Jersey's major roads are in poor condition. These pothole-filled roads cost motorists of $6.9 billion annually in extra vehicle operating costs. That comes to $632 per motorist, in case you’re curious.

To report a pothole problem in your area of Toms River, contact the Public Works Roads Division at 732-255-1000.

Moving Violations

Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and need to purchase expensive high-risk auto insurance.

Traffic Tickets

The Municipal Courts of New Jersey website allows you to pay traffic tickets and tells you how to contest them. It provides helpful traffic court information too.

In 2015, Toms River Municipal Court resolved 13,987 traffic cases. That’s 4 percent higher than the 13,467 traffic cases resolved in 2014. Traffic cases include DWIs, moving violations, and parking violations.

DWI Cases

The court also resolved 332 DWI cases in 2015. That’s a decrease of 11 percent from the 374 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 Toms River DWI insurance.

Car Accident Statistics

Ocean County responded to 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 8 percent decrease from the 49 traffic fatalities in 2013.

Car Insurance Discounts in Toms River

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the auto discounts available to drivers in Toms River, NJ depending on what's offered by your carrier.

  1. 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
  2. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  3. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  4. 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
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  7. Are you married or getting married soon? Some insurers offer a discount to married couples
  8. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  9. Take a defensive driving course from an accredited driving school
  10. Shop around and compare low-cost Toms River car insurance quotes

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