Compare Island Heights, NJ Car Insurance Rates (2021)

Car insurance in Island Heights, NJ averages $415 a month. Island Heights, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Island Heights car insurance rates, compare quotes from the top car insurance companies in Island Heights, NJ.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Island Heights, NJ are $4,981/year
  • The cheapest car insurance company in Island Heights is GEICO
  • Average car insurance rates in Island Heights, NJ after a DUI are $5,855/year

If you need to buy Island Heights, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Island Heights, NJ is right here.

You’ll find Island Heights car insurance rates, the cheapest Island Heights, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Island Heights, New Jersey car insurance rates to Clifton car insurance rates, Elizabeth car insurance rates, and Camden car insurance rates.

Ready to find affordable Island Heights, NJ car insurance today? Enter your ZIP code for fast, free Island Heights car insurance quotes.

Cheapest Island Heights, NJ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Island Heights, NJ car insurance rates? Every Island Heights, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Island Heights, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,886 $2,873 $2,802 $2,802 $9,023 $11,016 $3,391 $3,485
Farmers $4,378 $4,406 $4,272 $4,166 $12,545 $14,380 $5,182 $5,220
GEICO $2,199 $2,165 $2,153 $2,153 $3,998 $3,959 $2,536 $2,450
Liberty Mutual $4,406 $4,406 $4,837 $4,837 $11,371 $12,900 $4,837 $5,548
Progressive $1,806 $1,667 $1,633 $1,694 $7,916 $8,538 $2,121 $1,987
State Farm $3,770 $3,770 $3,419 $3,419 $12,321 $15,806 $4,296 $4,797
Travelers $3,094 $2,982 $2,867 $2,882 $6,907 $7,739 $2,989 $2,948

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Minimum Car Insurance in Island Heights, NJ

Every driver must carry the minimum car insurance in Island Heights, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Island Heights, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Island Heights, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Island Heights, NJ. Compare credit history car insurance rates in Island Heights from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Island Heights, New Jersey

Insurance Company Poor Fair Good
Allstate $6,652 $4,308 $3,394
Farmers $8,142 $6,340 $5,974
GEICO $4,066 $2,341 $1,699
Liberty Mutual $8,417 $6,242 $5,270
Progressive $3,836 $3,343 $3,081
State Farm $9,320 $5,632 $4,397
Travelers $5,461 $3,987 $2,706

Cheapest Island Heights, NJ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Island Heights, NJ to rates for a clean record with top companies.

Annual Island Heights, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,596 $5,954 $5,221 $4,368
Farmers $5,299 $8,934 $7,335 $5,707
GEICO $2,103 $2,763 $3,839 $2,103
Liberty Mutual $6,379 $7,301 $6,511 $6,379
Progressive $2,926 $3,965 $3,368 $3,422
State Farm $3,517 $6,382 $10,243 $5,657
Travelers $3,113 $4,642 $4,469 $3,979

Cheapest Island Heights, NJ Car Insurance for Teen Drivers

Teen car insurance in Island Heights, NJ can be expensive. Take a look at rates from the top car insurance companies in Island Heights for teenagers.

Annual Car Insurance Rates for Teen Drivers in Island Heights, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,023 $11,016
Farmers $12,545 $14,380
GEICO $3,998 $3,959
Liberty Mutual $11,371 $12,900
Progressive $7,916 $8,538
State Farm $12,321 $15,806
Travelers $6,907 $7,739

Cheapest Island Heights, NJ Car Insurance for Seniors

Take a look at Island Heights, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Island Heights, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,802 $2,802
Farmers $4,272 $4,166
GEICO $2,153 $2,153
Liberty Mutual $4,837 $4,837
Progressive $1,633 $1,694
State Farm $3,419 $3,419
Travelers $2,867 $2,882

Cheapest Island Heights, NJ Car Insurance Rates After a DUI

A DUI in Island Heights, NJ increases car insurance rates. Compare Island Heights, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Island Heights, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,221
Farmers $7,335
GEICO $3,839
Liberty Mutual $6,511
Progressive $3,368
State Farm $10,243
Travelers $4,469

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Cheapest Island Heights, NJ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Island Heights, NJ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Island Heights, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,776 $4,794
Farmers $6,819 $6,819
GEICO $2,679 $2,725
Liberty Mutual $6,578 $6,707
Progressive $3,420 $3,420
State Farm $6,284 $6,615
Travelers $4,051 $4,051

The Best Cheap Car Insurance Companies in Island Heights, NJ

Take a look at a side-by-side comparison of the top car insurance companies in Island Heights, NJ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Island Heights, New Jersey

Insurance Company Average Annual Rates
Allstate $4,785
Farmers $6,819
GEICO $2,702
Liberty Mutual $6,643
Progressive $3,420
State Farm $6,450
Travelers $4,051

Category Winners: Cheapest Car Insurance in Island Heights, New Jersey

Find the cheapest car insurance companies in Island Heights, NJ for each category right here.

Best Annual Car Insurance Rates by Company in Island Heights, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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Cheapest Island Heights, NJ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Island Heights car insurance rates. Find the cheapest Island Heights, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Island Heights, New Jersey

Insurance Company Low Medium High
Allstate $4,432 $4,852 $5,070
Farmers $6,081 $6,785 $7,590
GEICO $2,410 $2,754 $2,942
Liberty Mutual $5,935 $6,846 $7,148
Progressive $3,060 $3,483 $3,718
State Farm $5,991 $6,535 $6,823
Travelers $3,713 $4,051 $4,389

What affects car insurance rates in Island Heights, New Jersey?

What factors can have an impact on Island Heights, NJ car insurance? There are several reasons why Island Heights car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Island Heights, New Jersey.

Commute Time in Island Heights

The more time you spend in your car the higher the risk of an accident. The average commute length in Island Heights, NJ is 30.1 minutes according to City-Data.

Compare Car Insurance Quotes in Island Heights, NJ

Ready to find affordable Island Heights, New Jersey car insurance today? Enter your ZIP code for fast, free Island Heights, NJ car insurance quotes.

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