Cheapest Car Insurance Quotes in Neptune City

Cheapest Minimum Liability Car Insurance in Neptune City

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 Neptune City are given below. 

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Neptune City. Their Average 6 Month Premium is $335. Farmers is the most expensive at $966 for the same period. 

Cheapest Liability Coverage in Neptune City, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$335	$57
Plymouth Rock	$452	$76
NJM	$463	$78
New Jersey Skylands Insurance	$492	$82
Amica Mutual	$503	$86
Amica	$575	$96
Progressive	$575	$97
Travelers	$592	$100
State Farm	$619	$104
Allstate	$687	$116
Selective	$765	$129
Farmers	$966	$161

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Cheapest Full Coverage Car Insurance in Neptune City

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 Neptune City is New Jersey Manufacturers at $121 per month and $726 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Neptune City, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$726	$121
New Jersey Skylands Insurance	$877	$149
NJM	$887	$149
Plymouth Rock	$966	$163
Progressive	$1016	$171
Travelers	$1083	$182
Amica Mutual	$1229	$205
Allstate	$1267	$213
State Farm	$1368	$230
Selective	$1446	$243
Farmers	$1937	$323

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Car Insurance Premiums by Age in Neptune City

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	$721
30s	NJM	$560
40s	NJM	$519
50s	NJM	$478
60s	NJM	$441

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Neptune City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Neptune City NJ. For example, the car insurance in Neptune City after a DUI increases to $1184 for a six month policy. While the rate increases by $162 for a six-month policy in the case of a speeding ticket.  

Neptune City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1089	$181
One Med/PIP claim	$1094	$186
Not-at-fault accident	$1145	$191
One comp claim	$1156	$196
Two Med/PIP claims	$1162	$194
Speeding 6 - 10 MPH over limit	$1251	$212
Speeding 11 - 15 MPH over limit	$1257	$210
Two comp claims	$1257	$213
Failure to show documents	$1273	$212
At-fault accident - less than $1000	$1290	$219
Failure to wear a seat belt	$1307	$218
Driving too slowly	$1312	$223
Driving without lights	$1318	$220
Child safety restraint	$1340	$227
Driving with expired registration	$1340	$224
Wrong way/wrong lane	$1362	$231
Failure to yield	$1368	$228
Failure to stop at a red light	$1373	$233
Illegal turn	$1396	$233
Cell phone violation	$1413	$241
Texting while driving	$1413	$235
Speeding in school zone	$1435	$244
Operating a vehicle without permission	$1441	$240
Speeding 16 - 20 MPH over limit	$1441	$245
Improper passing	$1474	$245
Following too closely	$1480	$252
Passing school bus	$1541	$257
In 65 MPH zone	$1552	$264
Speeding 21 - 25 MPH over limit	$1603	$267
At-fault accident - $1000-$2000	$1647	$280
At-fault accident - greater than $2000	$1658	$276
Open container	$1854	$315
Reckless driving	$2172	$362
Leaving scene of an accident/hit and run	$2256	$384
DUI	$2273	$379
Refusal to submit to a chemical test	$2273	$386
Racing	$2279	$380
Driving with a suspended license	$2368	$402

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