Neptune, NJ Car Insurance

Neptune drivers pay, on average, around $86 a month for their car insurance. To find out more check out our guide below.
Map of cities where drivers can find cheaper car insurance
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How does Neptune stack up to the rest of the area, or even New Jersey as a whole? What rates can residents of Neptune expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Neptune?

Area Average Monthly Car Insurance Premium
Neptune$86
NJ$106
United States$81

Looking at the chart above, you can see it's around $20 a month cheaper to insure your vehicle in Neptune than it is in the rest of New Jersey.

Drivers relocating the Neptune should take note of the differences in average rates. The cost of insuring a vehicle in Neptune is about $5 more expensive than the average rate for the rest of the U.S.

While these are the average car insurance rates for Neptune, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

But don't worry, we've broken down the average rates for Neptune residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$133
25-34$85
35-44$70
45-54$80
55-64$67
65+$67

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $66 more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Neptune.

Average Car Insurance Rates by Gender

Gender Average
Male$89
Female$83

In general, car insurance rates for women are usually cheaper than they are for men. This rings true in Neptune, where women pay around $6 less per month than men. As you can see in the table above, female drivers in the area typically pay $83 on average, while female drivers typically pay $89 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$106
Multiple Accidents$86
1 Ticket$106
Multiple Tickets$130

Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Neptune, a driving record with one accident will usually get you a rate around $106 a month. Similarly, drivers with one ticket will typically pay around $106 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$106
4-5 Years$90
6-7 Years$81
8-10 Years$91
11-14 Years$84
15 Years or Older$85

As you can see in the first table above, the cheapest vehicles to insure in Neptune are by and large SUVs, which run about $73 per month.

Car owners can expect to pay an average of around $93 a month for their policy, while truck and van drivers are usually around $74 to insure each month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. In Neptune, vehicles two-to-three years old and eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$91
Married$75
Divorced$60
Widowed$46

Generally, those who have settled down into marriage will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The cost of auto insurance in Neptune reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$83
Rent$87
Live with parents$103

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $4 a month more than homeowners in Neptune. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Neptune, NJ

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The rates for auto insurance in Neptune dropped from 2017-2018, before increasing from 2019-2020. They finished up in 2022 at $112.

How does Neptune compare to neighboring areas?

Why are car insurance rates in Neptune different from other areas?

There are several factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Local regulations
  • Local crime rates
  • Road Safety (frequency of car accidents)
  • Number of drivers in the region
  • Amount of off-street parking

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Neptune?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Neptune.


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Neptune Insurance FAQs

What factors affect car insurance quotes in Neptune?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Neptune different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Neptune?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Neptune?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Neptune or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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