Cheapest Car Insurance Quotes in West Long Branch

Finding the cheapest car insurance quotes in West Long Branch 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

West Long Branch Car Insurance

^$ 54

/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 West Long Branch

The car insurance rate in West Long Branch is $1032 for a six-month policy, which is $90 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $710, making it a popular choice for budget-conscious drivers. Rates in West Long Branch 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 West Long Branch

$1032

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in West Long Branch

1st place: New Jersey Manufacturers

At $710 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 $847 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 $858 for six months, making it the third cheapest auto insurance company in West Long Branch.

West Long Branch Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Long Branch, NJ is New Jersey Manufacturers, offering policies at just $710 for a six-month term. This is followed by NJM, which has an average six-month premium of $847.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $935 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Long Branch drivers find the best deals.

Cheap Car Insurance Companies in West Long Branch, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$710	$121
NJM	$847	$143
New Jersey Skylands Insurance	$858	$146
Progressive	$868	$146
Plymouth Rock	$924	$155
Allstate	$1044	$176
Travelers	$1076	$181
State Farm	$1147	$193
Amica Mutual	$1202	$204
Selective	$1251	$209
Farmers	$1524	$259
National General	$935	$159

Key Takeaways

Way's key takeaways about car insurance in West Long Branch

The auto insurance costs in West Long Branch fall around $710 for six months.
The cheapest auto insurance company in West Long Branch is New Jersey Manufacturers.
Teen drivers pay the highest rate in West Long Branch at $971 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 West Long Branch

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 West Long Branch are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in West Long Branch. Their Average 6 Month Premium is $328. National General is the most expensive at $344 for the same period.

Cheapest Liability Coverage in West Long Branch, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$328	$54
Plymouth Rock	$410	$69
Progressive	$410	$69
NJM	$443	$75
New Jersey Skylands Insurance	$481	$80
State Farm	$487	$82
Amica Mutual	$492	$82
Travelers	$492	$83
Amica	$563	$94
Selective	$595	$101
Allstate	$612	$103
Farmers	$989	$168
National General	$344	$59

Cheapest Full Coverage Car Insurance in West Long Branch

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 West Long Branch is New Jersey Manufacturers at $121 per month and $710 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Long Branch, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$710	$121
NJM	$847	$143
New Jersey Skylands Insurance	$858	$146
Progressive	$868	$146
Plymouth Rock	$924	$155
Allstate	$1044	$176
Travelers	$1076	$181
State Farm	$1147	$193
Amica Mutual	$1202	$204
Selective	$1251	$209
Farmers	$1524	$259
National General	$935	$159

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in West Long Branch Instantly!

Average Car Insurance in West Long Branch 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 West Long Branch, NJ increasing?

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

Car Insurance Premiums by Age in West Long Branch

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	$706
30s	NJM	$548
40s	NJM	$508
50s	NJM	$468
60s	NJM	$431

Cheapest Car Insurance Rates for Teen Drivers in West Long Branch,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 West Long Branch at $84 per month. At $5710 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	$492	$84
Selective	$617	$103
NJM	$940	$158
New Jersey Manufacturers	$1628	$271
Travelers	$2279	$384
Plymouth Rock	$2443	$411
Allstate	$2448	$412
Progressive	$2667	$449
Amica Mutual	$2880	$489
State Farm	$3158	$532
Farmers	$5710	$971

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 West Long Branch.

As young drivers face the highest rates in West Long Branch, NJM offers the cheapest auto insurance rates at $706 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 West Long Branch, Amica Mutual is the cheapest car insurance provider. At $601 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 West Long Branch is Farmers, offering rates of around $5158 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$601	$102
New Jersey Skylands Insurance	$754	$126
Foremost	$842	$144
NJM	$1017	$171
Progressive	$1028	$173
Plymouth Rock	$1333	$224
Allstate	$2279	$387
Travelers	$3279	$546
State Farm	$4989	$848
Farmers	$5158	$860

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in West Long Branch.

Car Insurance Rates with An Accident in West Long Branch

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 West Long Branch, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Long Branch

The cheapest car insurance companies after an at-fault accident in West Long Branch include New Jersey Skylands Insurance and NJM, offering $580 and $595, respectively. National General is an expensive provider with an average six-month premium of $399.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$580	$97
NJM	$595	$100
New Jersey Manufacturers	$749	$125
Plymouth Rock	$754	$127
Selective	$868	$144
Amica Mutual	$929	$156
Progressive	$1158	$195
State Farm	$1771	$298
Travelers	$1869	$315
Allstate	$2606	$439
Farmers	$4705	$784
National General	$399	$66

West Long Branch Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Long Branch NJ. For example, the car insurance in West Long Branch after a DUI increases to $1160 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

West Long Branch auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1065	$178
One Med/PIP claim	$1071	$182
Not-at-fault accident	$1121	$187
One comp claim	$1132	$192
Two Med/PIP claims	$1137	$190
Speeding 6 - 10 MPH over limit	$1225	$208
Speeding 11 - 15 MPH over limit	$1230	$205
Two comp claims	$1230	$209
Failure to show documents	$1246	$208
At-fault accident - less than $1000	$1262	$214
Failure to wear a seat belt	$1279	$213
Driving too slowly	$1284	$218
Driving without lights	$1290	$215
Child safety restraint	$1312	$223
Driving with expired registration	$1312	$219
Wrong way/wrong lane	$1333	$226
Failure to yield	$1339	$224
Failure to stop at a red light	$1344	$228
Illegal turn	$1366	$228
Cell phone violation	$1383	$236
Texting while driving	$1383	$230
Speeding in school zone	$1405	$239
Operating a vehicle without permission	$1410	$235
Speeding 16 - 20 MPH over limit	$1410	$240
Improper passing	$1443	$240
Following too closely	$1448	$247
Passing school bus	$1508	$251
In 65 MPH zone	$1519	$259
Speeding 21 - 25 MPH over limit	$1569	$261
At-fault accident - $1000-$2000	$1612	$274
At-fault accident - greater than $2000	$1623	$270
Open container	$1814	$308
Reckless driving	$2126	$354
Leaving scene of an accident/hit and run	$2208	$375
DUI	$2225	$371
Refusal to submit to a chemical test	$2225	$378
Racing	$2230	$372
Driving with a suspended license	$2317	$394

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 West Long Branch 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 West Long Branch.

The cheapest car insurance premiums in West Long Branch are offered by Plymouth Rock at $650 for a six-month policy. However, it can be as expensive as $4749 with companies like Amica Mutual.

West Long Branch car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$650	$109
NJM	$716	$121
Foremost	$738	$125
Progressive	$831	$140
Mercury	$853	$145
New Jersey Manufacturers	$918	$153
Selective	$972	$166
Allstate	$1388	$234
Travelers	$1448	$244
State Farm	$4225	$711
Farmers	$4678	$796
Amica Mutual	$4749	$791

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 West Long Branch are offered by Plymouth Rock at $595. However, it can be as expensive as $2153 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in West Long Branch after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$595	$100
NJM	$754	$127
Progressive	$853	$144
State Farm	$1208	$205
Allstate	$1825	$305
Travelers	$1918	$327
Farmers	$2153	$359

Car Insurance Price Trends in West Long Branch, New Jersey

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

The average cost of full coverage in the West Long Branch rose by $226 in December compared to $224 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the West Long Branch rose to $79 in December, compared to $76 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in West Long Branch?

The car insurance in West Long Branch is $54 per month, which is lower than the national average.

What is the cheapest car insurance in West Long Branch?

The cheapest car insurance in West Long Branch is $121 per month for full coverage.

How much is car insurance in West Long Branch for teenagers?

Car insurance for teenagers costs $492 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 West Long Branch?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $174 per month to insure your car in West Long Branch.

Is car insurance expensive in West Long Branch?

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

Cheapest Car Insurance Quotes in West Long Branch

Why you can trust Way?

How Much Is Car Insurance in West Long Branch

Avg. Car Insurance in West Long Branch

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in West Long Branch

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

West Long Branch Car Insurance Rates by Company

Cheap Car Insurance Companies in West Long Branch, NJ

Way's key takeaways about car insurance in West Long Branch

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Long Branch

Cheapest Liability Coverage in West Long Branch, NJ

Cheapest Full Coverage Car Insurance in West Long Branch

Cheapest Full Coverage Car Insurance Quotes in West Long Branch, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Long Branch by Rating Factor

I have a clean driving record. Why is my car insurance rate here in West Long Branch, NJ increasing?

Car Insurance Premiums by Age in West Long Branch

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Long Branch,NJ

If you are in your twenties NJM is the best choice for car insurance in West Long Branch.

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 West Long Branch

Cheapest Car Insurance Companies after an At-Fault Accident in West Long Branch

West Long Branch Car Insurance Rates by Violation

West Long Branch auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Long Branch after a DUI

West Long Branch car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Long Branch after Speeding ticket

Car Insurance Price Trends in West Long Branch, New Jersey

Average Car Insurance Cost in West Long Branch by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Long Branch, NJ

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

Featured Blogs

Data Sources