Cheapest Car Insurance Quotes in Beach Haven

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Beach Haven Car Insurance

^$ 52

/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 Beach Haven

The car insurance rate in Beach Haven is $1065 for a six-month policy, which is $173 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $664, making it a popular choice for budget-conscious drivers. Rates in Beach Haven 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 Beach Haven

$1065

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Beach Haven

1st place: New Jersey Manufacturers

At $664 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 $802 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $812 for six months, making it the third cheapest auto insurance company in Beach Haven.

Beach Haven Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beach Haven, NJ is New Jersey Manufacturers, offering policies at just $664 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $802.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1772 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beach Haven drivers find the best deals.

Cheap Car Insurance Companies in Beach Haven, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$664	$111
New Jersey Skylands Insurance	$802	$137
NJM	$812	$137
Plymouth Rock	$884	$149
Progressive	$930	$157
Travelers	$991	$167
Amica Mutual	$1124	$187
Allstate	$1159	$195
State Farm	$1251	$211
Selective	$1323	$223
Farmers	$1772	$296

Key Takeaways

Way's key takeaways about car insurance in Beach Haven

The auto insurance costs in Beach Haven fall around $664 for six months.
The cheapest auto insurance company in Beach Haven is New Jersey Manufacturers.
Teen drivers pay the highest rate in Beach Haven at $900 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 Beach Haven

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 Beach Haven are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Beach Haven. Their Average 6 Month Premium is $306. Farmers is the most expensive at $884 for the same period.

Cheapest Liability Coverage in Beach Haven, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$306	$52
Plymouth Rock	$414	$70
NJM	$424	$71
New Jersey Skylands Insurance	$450	$75
Amica Mutual	$460	$78
Amica	$526	$88
Progressive	$526	$89
Travelers	$542	$91
State Farm	$567	$95
Allstate	$629	$106
Selective	$700	$118
Farmers	$884	$147

Cheapest Full Coverage Car Insurance in Beach Haven

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 Beach Haven is New Jersey Manufacturers at $111 per month and $664 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beach Haven, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$664	$111
New Jersey Skylands Insurance	$802	$137
NJM	$812	$137
Plymouth Rock	$884	$149
Progressive	$930	$157
Travelers	$991	$167
Amica Mutual	$1124	$187
Allstate	$1159	$195
State Farm	$1251	$211
Selective	$1323	$223
Farmers	$1772	$296

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Average Car Insurance in Beach Haven 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 Beach Haven, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Beach Haven, 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, Beach Haven's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Beach Haven

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	$660
30s	NJM	$513
40s	NJM	$475
50s	NJM	$438
60s	NJM	$403

Cheapest Car Insurance Rates for Teen Drivers in Beach Haven,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 Beach Haven at $78 per month. At $5292 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	$460	$78
NJM	$919	$155
New Jersey Manufacturers	$1522	$259
Travelers	$2146	$361
Selective	$2325	$391
Plymouth Rock	$2411	$406
Amica Mutual	$2692	$458
Allstate	$2922	$492
Progressive	$2952	$497
State Farm	$3499	$589
Farmers	$5292	$900

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 Beach Haven.

As young drivers face the highest rates in Beach Haven, NJM offers the cheapest auto insurance rates at $660 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 Beach Haven, Amica Mutual is the cheapest car insurance provider. At $562 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 Beach Haven is State Farm, offering rates of around $6217 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$562	$95
New Jersey Skylands Insurance	$705	$118
Foremost	$787	$134
NJM	$986	$166
Progressive	$1267	$213
Plymouth Rock	$1308	$220
Farmers	$2350	$400
Selective	$2718	$453
Travelers	$2902	$494
Allstate	$3039	$507
State Farm	$6217	$1057

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Car Insurance Rates with An Accident in Beach Haven

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 Beach Haven, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Beach Haven

The cheapest car insurance companies after an at-fault accident in Beach Haven include New Jersey Skylands Insurance and NJM, offering $542 and $577, respectively. Farmers is an expensive provider with an average six-month premium of $3433.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$542	$90
NJM	$577	$97
New Jersey Manufacturers	$700	$117
Plymouth Rock	$730	$123
Amica Mutual	$869	$146
Progressive	$1221	$206
Selective	$1656	$279
Travelers	$1696	$286
State Farm	$1962	$330
Allstate	$3065	$516
Farmers	$3433	$572

Beach Haven Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beach Haven NJ. For example, the car insurance in Beach Haven after a DUI increases to $1083 for a six month policy. While the rate increases by $149 for a six-month policy in the case of a speeding ticket.

Beach Haven auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$996	$166
One Med/PIP claim	$1001	$170
Not-at-fault accident	$1047	$175
One comp claim	$1058	$180
Two Med/PIP claims	$1063	$177
Speeding 6 - 10 MPH over limit	$1145	$194
Speeding 11 - 15 MPH over limit	$1150	$192
Two comp claims	$1150	$195
Failure to show documents	$1164	$194
At-fault accident - less than $1000	$1180	$200
Failure to wear a seat belt	$1195	$200
Driving too slowly	$1201	$204
Driving without lights	$1206	$201
Child safety restraint	$1226	$208
Driving with expired registration	$1226	$205
Wrong way/wrong lane	$1246	$212
Failure to yield	$1251	$209
Failure to stop at a red light	$1256	$213
Illegal turn	$1277	$213
Cell phone violation	$1293	$220
Texting while driving	$1293	$215
Speeding in school zone	$1313	$224
Operating a vehicle without permission	$1318	$219
Speeding 16 - 20 MPH over limit	$1318	$224
Improper passing	$1348	$224
Following too closely	$1354	$230
Passing school bus	$1410	$235
In 65 MPH zone	$1420	$242
Speeding 21 - 25 MPH over limit	$1466	$244
At-fault accident - $1000-$2000	$1507	$256
At-fault accident - greater than $2000	$1517	$253
Open container	$1696	$288
Reckless driving	$1987	$331
Leaving scene of an accident/hit and run	$2064	$351
DUI	$2079	$347
Refusal to submit to a chemical test	$2079	$353
Racing	$2085	$347
Driving with a suspended license	$2166	$368

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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 Beach Haven 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 Beach Haven.

The cheapest car insurance premiums in Beach Haven are offered by Plymouth Rock at $629 for a six-month policy. However, it can be as expensive as $4695 with companies like State Farm.

Beach Haven car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$629	$106
Foremost	$690	$115
NJM	$695	$117
Mercury	$797	$132
New Jersey Manufacturers	$858	$146
Progressive	$874	$147
Travelers	$1318	$222
Allstate	$1578	$266
Selective	$1941	$327
Farmers	$2238	$373
Amica Mutual	$4439	$755
State Farm	$4695	$790

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 Beach Haven are offered by Plymouth Rock at $582. However, it can be as expensive as $3004 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Beach Haven after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$582	$98
NJM	$740	$125
Progressive	$1022	$172
Selective	$1471	$245
State Farm	$1491	$254
Travelers	$1711	$286
Allstate	$2493	$424
Farmers	$3004	$501

Car Insurance Price Trends in Beach Haven, New Jersey

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

The average cost of full coverage in the Beach Haven rose by $249 in January compared to $212 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 Beach Haven rose to $83 in January, compared to $74 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 Beach Haven?

The car insurance in Beach Haven is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Beach Haven?

The cheapest car insurance in Beach Haven is $111 per month for full coverage.

How much is car insurance in Beach Haven for teenagers?

Car insurance for teenagers costs $460 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 Beach Haven?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $179 per month to insure your car in Beach Haven.

Is car insurance expensive in Beach Haven?

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

Cheapest Car Insurance Quotes in Beach Haven

Why you can trust Way?

How Much Is Car Insurance in Beach Haven

Avg. Car Insurance in Beach Haven

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Beach Haven

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Beach Haven Car Insurance Rates by Company

Cheap Car Insurance Companies in Beach Haven, NJ

Way's key takeaways about car insurance in Beach Haven

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Beach Haven

Cheapest Liability Coverage in Beach Haven, NJ

Cheapest Full Coverage Car Insurance in Beach Haven

Cheapest Full Coverage Car Insurance Quotes in Beach Haven, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Beach Haven by Rating Factor

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

Car Insurance Premiums by Age in Beach Haven

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Beach Haven,NJ

If you are in your twenties NJM is the best choice for car insurance in Beach Haven.

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 Beach Haven

Cheapest Car Insurance Companies after an At-Fault Accident in Beach Haven

Beach Haven Car Insurance Rates by Violation

Beach Haven auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Beach Haven after a DUI

Beach Haven car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Beach Haven after Speeding ticket

Car Insurance Price Trends in Beach Haven, New Jersey

Average Car Insurance Cost in Beach Haven by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Beach Haven, NJ

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

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