Cheapest Car Insurance Quotes in Surf City

Cheapest Minimum Liability Car Insurance in Surf 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 Surf City are given below. 

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Surf City. Their Average 6 Month Premium is $317. National General is the most expensive at $333 for the same period. 

Cheapest Liability Coverage in Surf City, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$317	$53
Plymouth Rock	$397	$67
Progressive	$397	$67
NJM	$428	$72
New Jersey Skylands Insurance	$465	$77
State Farm	$471	$79
Amica Mutual	$476	$79
Travelers	$476	$80
Amica	$545	$91
Selective	$576	$98
Allstate	$592	$100
Farmers	$957	$163
National General	$333	$57

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Cheapest Full Coverage Car Insurance in Surf 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 Surf City is New Jersey Manufacturers at $117 per month and $687 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Surf City, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$687	$117
NJM	$820	$138
New Jersey Skylands Insurance	$830	$142
Progressive	$840	$142
Plymouth Rock	$894	$150
Allstate	$1010	$170
Travelers	$1041	$175
State Farm	$1110	$187
Amica Mutual	$1163	$198
Selective	$1210	$202
Farmers	$1475	$251
National General	$904	$154

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Car Insurance Premiums by Age in Surf 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	$683
30s	NJM	$530
40s	NJM	$491
50s	NJM	$453
60s	NJM	$417

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Surf City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Surf City NJ. For example, the car insurance in Surf City after a DUI increases to $1121 for a six month policy. While the rate increases by $154 for a six-month policy in the case of a speeding ticket.  

Surf City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1031	$172
One Med/PIP claim	$1036	$176
Not-at-fault accident	$1084	$181
One comp claim	$1095	$186
Two Med/PIP claims	$1100	$183
Speeding 6 - 10 MPH over limit	$1185	$201
Speeding 11 - 15 MPH over limit	$1190	$198
Two comp claims	$1190	$202
Failure to show documents	$1205	$201
At-fault accident - less than $1000	$1221	$207
Failure to wear a seat belt	$1237	$206
Driving too slowly	$1242	$211
Driving without lights	$1248	$208
Child safety restraint	$1269	$215
Driving with expired registration	$1269	$212
Wrong way/wrong lane	$1290	$219
Failure to yield	$1295	$216
Failure to stop at a red light	$1300	$221
Illegal turn	$1322	$221
Cell phone violation	$1338	$228
Texting while driving	$1338	$223
Speeding in school zone	$1359	$231
Operating a vehicle without permission	$1364	$227
Speeding 16 - 20 MPH over limit	$1364	$232
Improper passing	$1396	$232
Following too closely	$1401	$239
Passing school bus	$1459	$243
In 65 MPH zone	$1469	$250
Speeding 21 - 25 MPH over limit	$1517	$253
At-fault accident - $1000-$2000	$1559	$265
At-fault accident - greater than $2000	$1570	$262
Open container	$1755	$298
Reckless driving	$2057	$343
Leaving scene of an accident/hit and run	$2136	$363
DUI	$2152	$359
Refusal to submit to a chemical test	$2152	$366
Racing	$2157	$360
Driving with a suspended license	$2242	$381

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