Cheapest Car Insurance Quotes in Ocean Gate

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Ocean Gate Car Insurance

^$ 58

/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 Ocean Gate

The car insurance rate in Ocean Gate is $1176 for a six-month policy, which is $62 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $733, making it a popular choice for budget-conscious drivers. Rates in Ocean Gate 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 Ocean Gate

$1176

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Ocean Gate

1st place: New Jersey Manufacturers

At $733 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 $886 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $897 for six months, making it the third cheapest auto insurance company in Ocean Gate.

Ocean Gate Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ocean Gate, NJ is New Jersey Manufacturers, offering policies at just $733 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $886.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1958 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ocean Gate drivers find the best deals.

Cheap Car Insurance Companies in Ocean Gate, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$733	$123
New Jersey Skylands Insurance	$886	$151
NJM	$897	$151
Plymouth Rock	$977	$164
Progressive	$1027	$173
Travelers	$1094	$184
Amica Mutual	$1242	$207
Allstate	$1281	$216
State Farm	$1382	$233
Selective	$1461	$246
Farmers	$1958	$327

Key Takeaways

Way's key takeaways about car insurance in Ocean Gate

The auto insurance costs in Ocean Gate fall around $733 for six months.
The cheapest auto insurance company in Ocean Gate is New Jersey Manufacturers.
Teen drivers pay the highest rate in Ocean Gate at $994 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 Ocean Gate

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 Ocean Gate are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Ocean Gate. Their Average 6 Month Premium is $338. Farmers is the most expensive at $977 for the same period.

Cheapest Liability Coverage in Ocean Gate, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$338	$58
Plymouth Rock	$457	$77
NJM	$468	$79
New Jersey Skylands Insurance	$497	$83
Amica Mutual	$508	$86
Amica	$581	$97
Progressive	$581	$98
Travelers	$599	$101
State Farm	$626	$105
Allstate	$694	$117
Selective	$773	$130
Farmers	$977	$162

Cheapest Full Coverage Car Insurance in Ocean Gate

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 Ocean Gate is New Jersey Manufacturers at $123 per month and $733 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ocean Gate, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$733	$123
New Jersey Skylands Insurance	$886	$151
NJM	$897	$151
Plymouth Rock	$977	$164
Progressive	$1027	$173
Travelers	$1094	$184
Amica Mutual	$1242	$207
Allstate	$1281	$216
State Farm	$1382	$233
Selective	$1461	$246
Farmers	$1958	$327

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Average Car Insurance in Ocean Gate 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 Ocean Gate, NJ increasing?

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

Car Insurance Premiums by Age in Ocean Gate

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	$729
30s	NJM	$566
40s	NJM	$524
50s	NJM	$484
60s	NJM	$446

Cheapest Car Insurance Rates for Teen Drivers in Ocean Gate,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 Ocean Gate at $86 per month. At $5846 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	$508	$86
NJM	$1016	$171
New Jersey Manufacturers	$1682	$286
Travelers	$2370	$399
Selective	$2568	$432
Plymouth Rock	$2664	$448
Amica Mutual	$2974	$505
Allstate	$3228	$543
Progressive	$3261	$549
State Farm	$3866	$651
Farmers	$5846	$994

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 Ocean Gate.

As young drivers face the highest rates in Ocean Gate, NJM offers the cheapest auto insurance rates at $729 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 Ocean Gate, Amica Mutual is the cheapest car insurance provider. At $620 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 Ocean Gate is State Farm, offering rates of around $6868 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$620	$105
New Jersey Skylands Insurance	$779	$130
Foremost	$869	$148
NJM	$1089	$183
Progressive	$1399	$236
Plymouth Rock	$1445	$243
Farmers	$2595	$442
Selective	$3002	$501
Travelers	$3205	$545
Allstate	$3357	$560
State Farm	$6868	$1168

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Car Insurance Rates with An Accident in Ocean Gate

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 Ocean Gate, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean Gate

The cheapest car insurance companies after an at-fault accident in Ocean Gate include New Jersey Skylands Insurance and NJM, offering $599 and $637, respectively. Farmers is an expensive provider with an average six-month premium of $3792.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$599	$100
NJM	$637	$107
New Jersey Manufacturers	$773	$129
Plymouth Rock	$807	$136
Amica Mutual	$960	$162
Progressive	$1349	$227
Selective	$1829	$308
Travelers	$1873	$315
State Farm	$2167	$365
Allstate	$3386	$570
Farmers	$3792	$632

Ocean Gate Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ocean Gate NJ. For example, the car insurance in Ocean Gate after a DUI increases to $1197 for a six month policy. While the rate increases by $164 for a six-month policy in the case of a speeding ticket.

Ocean Gate auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1100	$183
One Med/PIP claim	$1106	$188
Not-at-fault accident	$1157	$193
One comp claim	$1169	$199
Two Med/PIP claims	$1174	$196
Speeding 6 - 10 MPH over limit	$1264	$215
Speeding 11 - 15 MPH over limit	$1270	$212
Two comp claims	$1270	$216
Failure to show documents	$1286	$215
At-fault accident - less than $1000	$1303	$221
Failure to wear a seat belt	$1321	$220
Driving too slowly	$1326	$225
Driving without lights	$1332	$222
Child safety restraint	$1355	$230
Driving with expired registration	$1355	$226
Wrong way/wrong lane	$1377	$234
Failure to yield	$1382	$231
Failure to stop at a red light	$1388	$236
Illegal turn	$1411	$236
Cell phone violation	$1428	$243
Texting while driving	$1428	$238
Speeding in school zone	$1451	$247
Operating a vehicle without permission	$1456	$242
Speeding 16 - 20 MPH over limit	$1456	$248
Improper passing	$1490	$248
Following too closely	$1495	$255
Passing school bus	$1557	$259
In 65 MPH zone	$1568	$267
Speeding 21 - 25 MPH over limit	$1620	$270
At-fault accident - $1000-$2000	$1664	$283
At-fault accident - greater than $2000	$1676	$279
Open container	$1873	$318
Reckless driving	$2195	$366
Leaving scene of an accident/hit and run	$2280	$388
DUI	$2297	$383
Refusal to submit to a chemical test	$2297	$390
Racing	$2303	$384
Driving with a suspended license	$2393	$407

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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 Ocean Gate 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 Ocean Gate.

The cheapest car insurance premiums in Ocean Gate are offered by Plymouth Rock at $694 for a six-month policy. However, it can be as expensive as $5186 with companies like State Farm.

Ocean Gate car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$694	$117
Foremost	$762	$127
NJM	$768	$129
Mercury	$881	$146
New Jersey Manufacturers	$948	$162
Progressive	$965	$162
Travelers	$1456	$245
Allstate	$1743	$294
Selective	$2144	$361
Farmers	$2472	$412
Amica Mutual	$4904	$834
State Farm	$5186	$873

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 Ocean Gate are offered by Plymouth Rock at $643. However, it can be as expensive as $3318 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ocean Gate after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$643	$108
NJM	$818	$138
Progressive	$1129	$190
Selective	$1625	$271
State Farm	$1647	$280
Travelers	$1891	$315
Allstate	$2754	$468
Farmers	$3318	$553

Car Insurance Price Trends in Ocean Gate, New Jersey

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

The average cost of full coverage in the Ocean Gate rose by $276 in January compared to $234 of December. In other words, there has been an increase by $42 when you compare January and December.

The average cost of liability insurance in the Ocean Gate rose to $92 in January, compared to $82 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ocean Gate?

The car insurance in Ocean Gate is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Ocean Gate?

The cheapest car insurance in Ocean Gate is $123 per month for full coverage.

How much is car insurance in Ocean Gate for teenagers?

Car insurance for teenagers costs $508 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 Ocean Gate?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $198 per month to insure your car in Ocean Gate.

Is car insurance expensive in Ocean Gate?

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

Cheapest Car Insurance Quotes in Ocean Gate

Why you can trust Way?

How Much Is Car Insurance in Ocean Gate

Avg. Car Insurance in Ocean Gate

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Ocean Gate

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Ocean Gate Car Insurance Rates by Company

Cheap Car Insurance Companies in Ocean Gate, NJ

Way's key takeaways about car insurance in Ocean Gate

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ocean Gate

Cheapest Liability Coverage in Ocean Gate, NJ

Cheapest Full Coverage Car Insurance in Ocean Gate

Cheapest Full Coverage Car Insurance Quotes in Ocean Gate, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ocean Gate by Rating Factor

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

Car Insurance Premiums by Age in Ocean Gate

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ocean Gate,NJ

If you are in your twenties NJM is the best choice for car insurance in Ocean Gate.

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 Ocean Gate

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean Gate

Ocean Gate Car Insurance Rates by Violation

Ocean Gate auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ocean Gate after a DUI

Ocean Gate car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ocean Gate after Speeding ticket

Car Insurance Price Trends in Ocean Gate, New Jersey

Average Car Insurance Cost in Ocean Gate by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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