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Cheapest Car Insurance Quotes in Egg Harbor Township
Finding the cheapest car insurance quotes in Egg Harbor Township shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Egg Harbor Township
The car insurance rate in Egg Harbor Township is $1212 for a six-month policy, which is $90 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $834, making it a popular choice for budget-conscious drivers. Rates in Egg Harbor Township 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.
Cheapest Car Insurance Companies in Egg Harbor Township
1st place: New Jersey Manufacturers
At $834 for a six
month policy, New Jersey Manufacturers offers
the cheapest
auto
insurance rates in the city.
2nd place: NJM
NJM offers auto
insurance rates at $995 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: New Jersey Skylands Insurance
New Jersey Skylands Insurance offers auto insurance
rates at $1008
for six months, making it
the third cheapest auto insurance company in Egg Harbor Township.
Egg Harbor Township Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Egg Harbor Township, NJ is New Jersey Manufacturers, offering policies at just $834 for a six-month term. This is followed by NJM, which has an average six-month premium of $995.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1097 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Egg Harbor Township drivers find the best deals.
Cheap Car Insurance Companies in Egg Harbor Township, NJ
Way's key takeaways about car insurance in Egg Harbor Township
The auto insurance costs in Egg Harbor Township fall around $834 for six
months.
The cheapest auto insurance company in Egg Harbor Township is New Jersey Manufacturers.
Teen drivers pay the highest rate in Egg Harbor Township at $1139 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 Egg Harbor Township
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 Egg Harbor Township are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Egg Harbor Township. Their Average 6 Month Premium is $384.
National General is the most
expensive at $404 for the same
period.
Cheapest Liability Coverage in Egg Harbor Township, NJ
Cheapest Full Coverage Car Insurance in Egg Harbor Township
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 Egg Harbor Township is New Jersey Manufacturers
at $141 per month and $834
for six months.
Cheapest Full Coverage Car Insurance Quotes in Egg Harbor Township,
NJ
Get Your Car Insurance Quote in Egg Harbor Township
Instantly!
Average Car Insurance in Egg Harbor Township 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 Egg Harbor Township, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Egg Harbor Township, 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, Egg Harbor Township's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Egg Harbor Township
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
$828
30s
NJM
$644
40s
NJM
$596
50s
NJM
$550
60s
NJM
$507
Cheapest Car Insurance Rates for Teen Drivers in
Egg Harbor Township,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 Egg Harbor Township at $98
per
month. At $6704 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties NJM is
the best choice for car
insurance in Egg Harbor Township.
As young drivers face the highest rates in Egg Harbor Township, NJM
offers the cheapest auto insurance rates at $828 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 Egg Harbor Township,
Amica Mutual is
the cheapest car insurance provider. At $705 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
Egg Harbor Township is Farmers, offering
rates of around $6056 for six
months.
Save up to $971/yr on car insurance rates in Egg Harbor Township.
Car Insurance Rates with An Accident in Egg Harbor Township
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 Egg Harbor Township, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Egg Harbor Township
The cheapest car insurance companies after an at-fault accident in
Egg Harbor Township include New Jersey Skylands Insurance
and NJM, offering $680
and $699,
respectively. National General is an expensive provider
with an average six-month premium of
$469.
Egg Harbor Township Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Egg Harbor Township NJ. For example, the car
insurance in Egg Harbor Township
after a DUI increases to $1360 for a six
month policy. While the rate increases by $186 for a six-month policy in the case of
a speeding ticket.
Egg Harbor Township auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1251
$208
One Med/PIP claim
$1257
$214
Not-at-fault accident
$1315
$219
One comp claim
$1328
$226
Two Med/PIP claims
$1335
$222
Speeding 6 - 10 MPH over limit
$1437
$244
Speeding 11 - 15 MPH over limit
$1444
$241
Two comp claims
$1444
$245
Failure to show documents
$1462
$244
At-fault accident - less than $1000
$1482
$252
Failure to wear a seat belt
$1501
$251
Driving too slowly
$1508
$256
Driving without lights
$1514
$253
Child safety restraint
$1540
$261
Driving with expired registration
$1540
$257
Wrong way/wrong lane
$1565
$266
Failure to yield
$1571
$262
Failure to stop at a red light
$1578
$268
Illegal turn
$1604
$268
Cell phone violation
$1623
$276
Texting while driving
$1623
$270
Speeding in school zone
$1649
$281
Operating a vehicle without permission
$1656
$275
Speeding 16 - 20 MPH over limit
$1656
$282
Improper passing
$1693
$282
Following too closely
$1700
$289
Passing school bus
$1770
$295
In 65 MPH zone
$1783
$303
Speeding 21 - 25 MPH over limit
$1841
$307
At-fault accident - $1000-$2000
$1892
$322
At-fault accident - greater than $2000
$1905
$318
Open container
$2130
$362
Reckless driving
$2496
$416
Leaving scene of an accident/hit and run
$2592
$441
DUI
$2611
$435
Refusal to submit to a chemical test
$2611
$444
Racing
$2618
$436
Driving with a suspended license
$2721
$462
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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 Egg Harbor Township 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 Egg Harbor Township.
The cheapest car insurance premiums in
Egg Harbor Township are
offered by Plymouth Rock at $764 for a six-month policy.
However, it can be as
expensive as $5575 with companies
like Amica Mutual.
Egg Harbor Township car insurance quotes with a DUI
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 Egg Harbor Township are offered by Plymouth Rock
at $699. However,
it can be as expensive as $2527
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Egg Harbor Township after Speeding ticket
Car Insurance Price Trends in Egg Harbor Township,
New Jersey
Car insurance rates in Egg Harbor Township have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Egg Harbor Township rose by
$266 in December
compared to $262 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Egg Harbor Township rose to $93 in December,
compared to $90 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Egg Harbor Township by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Egg Harbor Township. At $2423 for a
six-month policy, insuring
your car at 8234 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Egg Harbor Township?
The car insurance in Egg Harbor Township is $64 per month, which is lower than the national average.
What is the cheapest car insurance in Egg Harbor Township?
The cheapest car insurance in Egg Harbor Township
is $141 per month
for full coverage.
How much is car insurance in Egg Harbor Township for teenagers?
Car insurance for teenagers costs $578 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
Egg Harbor Township?
The average cost of car insurance is $1122 for a six-month
policy. It will cost around $204 per month to insure your
car in Egg Harbor Township.
Is car insurance expensive in Egg Harbor Township?
Car insurance can be expensive in Egg Harbor Township if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Egg Harbor Township can be
affordable.
What is the best car insurance in Egg Harbor Township,
NJ?
The best car insurance company in Egg Harbor Township
NJ is
New Jersey Manufacturers, offering $834 for a
six-month policy.
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Egg Harbor Township Car Insurance
