Toms River, NJ Car Insurance

On average, drivers in Toms River pay around $94 per month for their car insurance. To learn more about policy rates and coverage in the Toms River area, continue reading our guide below.
What rates should residents of Toms River expect to pay for their car insurance? How do rates in Toms River measure up compared to neighboring areas, including New Jersey as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Toms River?

Area Average Monthly Car Insurance Premium
Toms River$94
NJ$106
United States$81

Based on the above chart, auto insurance policies in Toms River are about $12 a month cheaper than in the rest of New Jersey.

On the other hand, residents of Toms River might expect to pay higher rates for coverage than the rest of the country. It's around $13 more expensive for coverage in Toms River than the average rates seen in the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Toms River and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$161
25-34$89
35-44$89
45-54Not Enough Data
55-64$78
65+$74

The more time you've spent on the road, the more experience you have. 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 $87 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Toms River may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$95
Female$93

Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay slightly less than male drivers on their monthly auto insurance coverage, the difference in Toms River is only about $2 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$128
Multiple Accidents$130
1 Ticket$121
Multiple Tickets$147

Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Toms River with a single accident will pay around $128 a month. Similarly, drivers with one ticket will typically pay around $121 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$108
2-3 Years$114
4-5 Years$88
6-7 Years$89
8-10 Years$103
11-14 Years$96
15 Years or Older$89

According to the first table above, SUVs are usually the cheapest vehicles to insure in Toms River, with drivers paying around $84 per month to insure their vehicle.

Truck and van drivers will see rates of about $85, while the rates for car owners average out to about $100 a month.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Toms River, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$100
Married$74
Divorced$83
Widowed$77

Overall, those who are currently married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

In Toms River, the difference in rates based on relationship status can be as much as $26 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$83
Rent$93
Live with parents$131

Another factor taken into consideration is your living accommodations. Homeowners in Toms River can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Toms River, NJ

Recent trends in car insurance for Toms River drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

Auto insurance rates in Toms River had been increasing from 2017-2019, before trending downward from 2020-2021. They finished up in 2022 at $108.

How does Toms River compare to neighboring areas?

Why are car insurance rates in Toms River different from other areas?

Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Off-street parking access
  • Local laws
  • Total number of drivers in the area
  • Rate of crime
  • General road safety (how many accidents each locality has)

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Toms River?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Toms River in no time.

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Toms River Insurance FAQs

What factors affect car insurance quotes in Toms River?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

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

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Toms River?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Toms River or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes