Cheapest Car Insurance Quotes in Bay Head

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Bay Head Car Insurance

^$ 51

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bay Head

The car insurance rate in Bay Head is $1040 for a six-month policy, which is $198 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $648, making it a popular choice for budget-conscious drivers. Rates in Bay Head can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bay Head

$1040

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Bay Head

1st place: New Jersey Manufacturers

At $648 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $784 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $793 for six months, making it the third cheapest auto insurance company in Bay Head.

Bay Head Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bay Head, NJ is New Jersey Manufacturers, offering policies at just $648 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $784.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1731 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bay Head drivers find the best deals.

Cheap Car Insurance Companies in Bay Head, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$648	$108
New Jersey Skylands Insurance	$784	$134
NJM	$793	$134
Plymouth Rock	$864	$145
Progressive	$908	$153
Travelers	$968	$163
Amica Mutual	$1098	$183
Allstate	$1132	$191
State Farm	$1222	$206
Selective	$1292	$218
Farmers	$1731	$289

Key Takeaways

Way's key takeaways about car insurance in Bay Head

The auto insurance costs in Bay Head fall around $648 for six months.
The cheapest auto insurance company in Bay Head is New Jersey Manufacturers.
Teen drivers pay the highest rate in Bay Head at $879 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bay Head

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bay Head are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Bay Head. Their Average 6 Month Premium is $299. Farmers is the most expensive at $864 for the same period.

Cheapest Liability Coverage in Bay Head, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$299	$51
Plymouth Rock	$404	$68
NJM	$414	$70
New Jersey Skylands Insurance	$439	$73
Amica Mutual	$449	$76
Amica	$514	$86
Progressive	$514	$87
Travelers	$529	$89
State Farm	$554	$93
Allstate	$614	$103
Selective	$684	$115
Farmers	$864	$144

Cheapest Full Coverage Car Insurance in Bay Head

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bay Head is New Jersey Manufacturers at $108 per month and $648 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bay Head, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$648	$108
New Jersey Skylands Insurance	$784	$134
NJM	$793	$134
Plymouth Rock	$864	$145
Progressive	$908	$153
Travelers	$968	$163
Amica Mutual	$1098	$183
Allstate	$1132	$191
State Farm	$1222	$206
Selective	$1292	$218
Farmers	$1731	$289

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Average Car Insurance in Bay Head by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bay Head, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Bay Head, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bay Head's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bay Head

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$644
30s	NJM	$501
40s	NJM	$464
50s	NJM	$428
60s	NJM	$394

Cheapest Car Insurance Rates for Teen Drivers in Bay Head,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Bay Head at $76 per month. At $5169 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$449	$76
NJM	$898	$151
New Jersey Manufacturers	$1487	$253
Travelers	$2096	$353
Selective	$2271	$382
Plymouth Rock	$2355	$396
Amica Mutual	$2629	$447
Allstate	$2854	$480
Progressive	$2884	$486
State Farm	$3418	$575
Farmers	$5169	$879

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Bay Head.

As young drivers face the highest rates in Bay Head, NJM offers the cheapest auto insurance rates at $644 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bay Head, Amica Mutual is the cheapest car insurance provider. At $549 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bay Head is State Farm, offering rates of around $6072 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$549	$93
New Jersey Skylands Insurance	$689	$115
Foremost	$769	$131
NJM	$963	$162
Progressive	$1237	$208
Plymouth Rock	$1278	$215
Farmers	$2295	$391
Selective	$2654	$443
Travelers	$2834	$482
Allstate	$2969	$495
State Farm	$6072	$1032

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Save up to $971/yr on car insurance rates in Bay Head.

Car Insurance Rates with An Accident in Bay Head

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bay Head, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bay Head

The cheapest car insurance companies after an at-fault accident in Bay Head include New Jersey Skylands Insurance and NJM, offering $529 and $564, respectively. Farmers is an expensive provider with an average six-month premium of $3353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$529	$88
NJM	$564	$95
New Jersey Manufacturers	$684	$114
Plymouth Rock	$713	$120
Amica Mutual	$848	$143
Progressive	$1193	$201
Selective	$1617	$272
Travelers	$1656	$279
State Farm	$1916	$323
Allstate	$2994	$504
Farmers	$3353	$559

Bay Head Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bay Head NJ. For example, the car insurance in Bay Head after a DUI increases to $1058 for a six month policy. While the rate increases by $145 for a six-month policy in the case of a speeding ticket.

Bay Head auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$973	$162
One Med/PIP claim	$978	$166
Not-at-fault accident	$1023	$171
One comp claim	$1033	$176
Two Med/PIP claims	$1038	$173
Speeding 6 - 10 MPH over limit	$1118	$190
Speeding 11 - 15 MPH over limit	$1123	$187
Two comp claims	$1123	$191
Failure to show documents	$1137	$190
At-fault accident - less than $1000	$1152	$196
Failure to wear a seat belt	$1168	$195
Driving too slowly	$1173	$199
Driving without lights	$1178	$197
Child safety restraint	$1198	$203
Driving with expired registration	$1198	$200
Wrong way/wrong lane	$1217	$207
Failure to yield	$1222	$204
Failure to stop at a red light	$1227	$208
Illegal turn	$1247	$208
Cell phone violation	$1263	$215
Texting while driving	$1263	$210
Speeding in school zone	$1283	$218
Operating a vehicle without permission	$1288	$214
Speeding 16 - 20 MPH over limit	$1288	$219
Improper passing	$1317	$219
Following too closely	$1322	$225
Passing school bus	$1377	$229
In 65 MPH zone	$1387	$236
Speeding 21 - 25 MPH over limit	$1432	$239
At-fault accident - $1000-$2000	$1472	$250
At-fault accident - greater than $2000	$1482	$247
Open container	$1656	$281
Reckless driving	$1941	$323
Leaving scene of an accident/hit and run	$2016	$343
DUI	$2031	$339
Refusal to submit to a chemical test	$2031	$345
Racing	$2036	$339
Driving with a suspended license	$2116	$360

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bay Head after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bay Head.

The cheapest car insurance premiums in Bay Head are offered by Plymouth Rock at $614 for a six-month policy. However, it can be as expensive as $4586 with companies like State Farm.

Bay Head car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$614	$103
Foremost	$674	$113
NJM	$679	$114
Mercury	$779	$129
New Jersey Manufacturers	$838	$143
Progressive	$853	$144
Travelers	$1288	$217
Allstate	$1541	$260
Selective	$1896	$319
Farmers	$2186	$365
Amica Mutual	$4336	$738
State Farm	$4586	$772

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bay Head are offered by Plymouth Rock at $569. However, it can be as expensive as $2934 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bay Head after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$569	$96
NJM	$723	$122
Progressive	$998	$168
Selective	$1437	$239
State Farm	$1457	$248
Travelers	$1672	$279
Allstate	$2435	$414
Farmers	$2934	$489

Car Insurance Price Trends in Bay Head, New Jersey

Car insurance rates in Bay Head have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bay Head rose by $244 in January compared to $207 of December. In other words, there has been an increase by $37 when you compare January and December.

The average cost of liability insurance in the Bay Head rose to $81 in January, compared to $72 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bay Head?

The car insurance in Bay Head is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Bay Head?

The cheapest car insurance in Bay Head is $108 per month for full coverage.

How much is car insurance in Bay Head for teenagers?

Car insurance for teenagers costs $449 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bay Head?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $175 per month to insure your car in Bay Head.

Is car insurance expensive in Bay Head?

Car insurance can be expensive in Bay Head if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bay Head can be affordable.

Cheapest Car Insurance Quotes in Bay Head

Why you can trust Way?

How Much Is Car Insurance in Bay Head

Avg. Car Insurance in Bay Head

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Bay Head

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Bay Head Car Insurance Rates by Company

Cheap Car Insurance Companies in Bay Head, NJ

Way's key takeaways about car insurance in Bay Head

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bay Head

Cheapest Liability Coverage in Bay Head, NJ

Cheapest Full Coverage Car Insurance in Bay Head

Cheapest Full Coverage Car Insurance Quotes in Bay Head, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bay Head by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bay Head, NJ increasing?

Car Insurance Premiums by Age in Bay Head

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bay Head,NJ

If you are in your twenties NJM is the best choice for car insurance in Bay Head.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bay Head

Cheapest Car Insurance Companies after an At-Fault Accident in Bay Head

Bay Head Car Insurance Rates by Violation

Bay Head auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bay Head after a DUI

Bay Head car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bay Head after Speeding ticket

Car Insurance Price Trends in Bay Head, New Jersey

Average Car Insurance Cost in Bay Head by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bay Head, NJ

Car Insurance Rates by State in the USA (2025 Update)

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