Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Did you know that lots of drivers aren’t getting the cheap auto insurance in Toms River, NJ that they deserve? But you can use to change that for yourself.

We have the most accurate information available when it comes to affordable quotes and reliable car insurance companies near you. Keep reading to learn more details!

Use our FREE quote tool to compare insurance rates today!

Toms River has gone through several changes within the last 20 years alone. As recently as 2006, it was known as Dover before voters decided to change the name to its current moniker.

Out of nearly 400 cities Nationwide which competed in 2006, Toms River rounded out the bottom of the top 15 of the safest cities in the US according to Morgan Quitno Press. it is also a popular destination for TV and film; 3 seasons of MTV’s The Jersey Shore, various episodes of Boardwalk Empire, and the original Amityville Horror movie have all been filmed in Toms River.

  • Fun fact: Was Tom’s River the epicenter for Boyz II Men fans in 1994? Because this city is #1 on the list of “Top 101 cities with largest percentage population increases in the 1990s (population 50,000+)” Learn more about Toms River now.

Auto Insurance Coverage Requirements in New Jersey

Driving legally in Toms River requires:

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability5,00050,000
Uninsured Motorist Bodily Injury15,000/30,00015,000/30,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

There’s something to be said for investing more in your liability coverage and less so an optional riders such as comprehensive, collision, or gap-loss coverage, among others. Liability is what protects you financially in the event that you are found partially or completely at fault in an accident.

If you don’t have enough liability to repair/replace the injured party’s property or to pay for the medical/funeral expenses of the injured party/parties, they can come after your financial assets (such as your home, your car, and other liquid assets).

So even if you’re driving an old clunker that doesn’t need extra, fancy coverage, don’t neglect the amount of liability coverage you purchase!

Recent data shows that the average New Jersey driver is paying around $159 per month – or more – for their insurance policy. This is simply way too high!

Average Monthly Auto Insurance Premiums Legend: Toms River State Farm Liberty Mutual Hanover Penn National Plymouth Rock 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 $163 $66 $136 $103 $79

Plymouth Rock and Liberty Mutual are offering some fairly good deals in New Jersey right now, as you can see. State Farm, on the other hand, is over twice as much – but is there a reason for this? Is State Farm offering something that these other, less expensive companies aren’t?

These are important questions to ask yourself when you’re shopping around for a new insurance company. After all, it’s not just the cost of your monthly policy that matters – you also need to know that your provider will be there for you when you need to file a claim.

New Jersey auto insurance companies have a difficult balancing act when it comes to calculating the best rate for their customers.

If it’s a good, solid company, they want to do right by their customers and charge them the most affordable rate possible.

But they also have to charge enough so that they can remain in a strong financial standing and have the funds on hand to pay out claims when their customers need help. This process involves calculating many complicated variables at once.

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Major Car Insurance Factors in Toms River

In the section, we will discuss the most important variables that your car insurance company needs to know about in order to get you an accurate quote.

These bits of information provide your provider with the most accurate means to calculate your likelihood of getting into an accident. They use this information to estimate how expensive it may be and how likely you are to file a claim.

The higher the risk and/or expense, the higher you can expect your auto insurance premiums to be.

Your Zip Code

There are 88,283 people living in Toms River, NJ right now according to the most recent data. And most of them are pretty well-off, too; the average annual income is $71,183.

While most insurance companies don’t like to offer the lowest rates in such highly populated townships, they do feel more comfortable offering affordable rates to drivers who live in affluent areas.

For Toms River motorists, the high population and the high property values may just balance each other out.

Auto Insurance by Zip Code Legend: Toms River Jersey City Newark State Farm Liberty Mutual Hanover 15 30 45 60 75 90 105 120 135 150 $163 $109 $124 $66 $72 $96 $136 $144 $164

Automotive Accidents

Obviously, the ideal number of serious or fatal accidents in any given geographic region would be zero. Unfortunately, we don’t live in that type of perfect world.

Given the population density of Toms River, the accident statistics are a little high compared to other, similar New Jersey cities.

You might want to ask your auto insurance provider if there’s anything you can do, such as a defensive driving course, to prove that you are an exceptionally safe driver and that these statistics should not be used against you in calculating your premium.

Fatal Accidents in Toms River, NJ Legend: Toms River Fatal Accidents Vehicles Involved in Fatal Accidents Fatal Crashes Involving Drunk Persons Fatalities Persons Involved in Fatal Crashes Pedestrians Involved in Fatal Crashes 1 2 3 4 5 6 7 8 9 10 11 12 13 9 11 1 9 13 4

Auto Thefts in Toms River

One area where Toms River residents definitely have an advantage is auto theft. The most recently recorded statistical data chose only 36 reported auto thefts in a town of nearly 89,000 people.

And since your vehicle is that much less likely to get stolen, you’re that much more likely to get a more affordable rate.

You can even squeeze out an extra small discount or two by being proactive and equipping your vehicle with extra security fixtures such as a passive alarm system.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Liberty Mutual Hanover 20 40 60 80 100 120 140 160 180 200 220 240 $163 $259 $66 $133 $136 $243

Your Credit Score

When it comes to auto insurance companies, there are three different types who adjust their rates according to credit score.

There are the mainstream companies which will charge you higher premiums for having poor credit, there are companies who cater to “high-risk” drivers and offer comparatively low rates to drivers with poor credit, and there are companies who promised not to evaluate your credit at all (but may still charge everyone a higher rate to balance things out).

As you can see in the chart below, different companies will adjust your monthly premium according to their own standards and your personal circumstances. So you need to do everything in your power to maintain a high credit score if you want to get a good deal.

Auto Insurance by Credit Score Legend: Good Credit Poor Credit State Farm Liberty Mutual Hanover 15 30 45 60 75 90 105 120 135 150 165 180 195 210 $163 $221 $66 $106 $136 $224

Your Age

If you are the parent of a teenage driver, we’re sorry. That being said, you and your child need to make every effort possible to prove to your insurance provider that they are a safe driver despite their lack of experience on the road.

This lack of experience is the main reason why teenagers can get charged 10 times as much or more for car insurance as someone over the age of 25.

But a good report card, some thorough driver’s education courses, and even bundling them with you onto a family policy can all help make sure that you are eligible for a relatively affordable rate.

Auto Policy Age Comparison Legend: 35 Year Old Driver 17 Year Old Driver State Farm Liberty Mutual Hanover 30 60 90 120 150 180 210 240 270 300 330 360 390 $163 $415 $66 $259 $136 $334

Your Driving Record

Did you know that car insurance companies only consider the most recent three to five years of your driving record when evaluating your safety behind the wheel?

If you have any tickets, filed claims, or accidents which are older than that, you can rest assured that your insurance provider won’t care. Anything more recent, though, and you will see your insurance rates go up.

The more severe the violation or the more expensive the claim filed, the higher you can expect those rates to go. Thankfully, after a few years, they will fade from your record to and they won’t count against you anymore.

Driving Violations Legend: Perfect Record Minor Violation Major Violation State Farm Liberty Mutual Hanover 35 70 105 140 175 210 245 280 315 350 385 420 455 490 $163 $237 $496 $66 $78 $148 $136 $191 $405

Your Vehicle

Another major factor which determines your monthly premium revolves around the vehicle itself. Is it expensive, or affordably-priced? Did you buy it brand new from a dealership, or did you buy it used from a neighbor down the street?

Does it have advanced safety features, and is it made from sturdy construction which is less likely to sustain damage in an accident?

All of these will determine how expensive any potential claims may be. And the less expensive your estimated future claims, the better the rate you will get.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2015 Chevy Corvette State Farm Liberty Mutual Hanover 15 30 45 60 75 90 105 120 135 150 165 180 195 $163 $198 $66 $89 $136 $155

Minor Car Insurance Factors in Toms River

Of course, tweaking some of the factors below can add up to some extra savings over time:

Your Marital Status

The fun of your marital bliss is only made that much more enjoyable by the fact that your nuptials can get you a better deal on your car insurance rates.

All you have to do is put your spouse onto the same auto policy with your current insurance provider and you can get a 10 percent discount on average. It’s a pretty good deal if you think about it.

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Your Gender

The more aggressive of a driver you are, the more likely it is that karma will reward your bad behavior with a car accident (according to statistical data). But are you more likely to be an aggressive driver if you are a man? Or a woman?

Some insurance companies believe that their data justifies charging one gender more based on a higher likelihood of aggressive driving. But there are other insurance companies out there who don’t see any difference in aggression between the two sexes and don’t evaluate gender at all.

It might be a good idea to ask your insurance agents what their policy is and whether or not it is costing you more money in monthly premiums.

Your Driving Distance to Work

Your commute to work can tell your insurance company a lot about your risk profile. The shorter your commute, the less time and fewer miles spent on the road, which reduces your likelihood of an accident.

However, a lack of public transportation and an over-reliance on car culture put more cars on the road and make it that much more dangerous to drive, especially in rush hour traffic.

Toms River drivers have a nice, short commute time which averages around 10 to 15 minutes; however, 89% of residents will drive themselves to work alone in their own vehicle. Fewer than 10 percent of drivers will try to commute to work in any other way.

Have you seen those gimmicky car insurance commercials promising massive discounts if you plug a little device in your car which tracks your mileage and your time on the road? Well, the truth is that it’s not a gimmick.

You can get some pretty significant discounts if you drive significantly fewer miles then the average driver. You can also get discounts if you typically stay off the road during the most dangerous times of the day, such as a rush hour or after dark on the weekend.

Your Coverage and Deductibles

Raising your deductible shifts more of the financial responsibility onto you as opposed to your insurance company after an accident. Insurance companies like to reward customers who do this with a lower monthly premium.

But if you decide to go this route, you’re going to want to make sure you put that money aside for a rainy day in case an accident actually happens.

This is especially true if you live in an area with poor public transportation or if you work the type of job where not having your own transportation can jeopardize your current employment situation.

Education in Toms River, NJ

Nearly one-third of Toms River residents decided that high school with enough and didn’t pursue any education beyond that. Another 19% did give it a good ol’ college try and succeeded to earn a bachelor’s degree.

And guess what? That 19% is saving money on their car insurance right now by taking advantage of the higher education discounts that insurance companies offer their drivers – sometimes without even mentioning it.

There are a couple of public institutions of higher education located within Toms River: Ocean County College, and the Ocean County Vocational-Technical School.

There are also private institutions such as the American Institute-Toms River and the Performance Training Institute. Outside of the city, though, you’re in for a commute.

The closest college is Beth Medrash Govoha which is all the way in Lakewood. Your other options are all at least 20 miles away, including the prestigious Princeton University (which is nearly a 40-mile commute).

There are many different things which auto insurance companies do to leave their customers feeling disgruntled and disappointed. Providing poor customer service is one. Failing to make a good on your filed claims is another.

But charging too much for your policy is by far one of the worst. We can help you filter out the worst companies from the best and get you fast, free quotes that can help you start saving money right now.

All it takes is your zip code.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Use our FREE quote tool to compare insurance rates today!