Compare Ocean City, NJ Car Insurance Rates (2021)

Car insurance in Ocean City, NJ averages $420 a month. Ocean City, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Ocean City car insurance rates, compare quotes from the top car insurance companies in Ocean City, 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 Ocean City, NJ after a DUI are $5,946/year
  • The cheapest car insurance company in Ocean City for teen drivers is GEICO
  • The cheapest car insurance company in Ocean City is GEICO

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

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

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

Cheapest Ocean City, NJ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ocean City, NJ car insurance rates? Every Ocean City, 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 Ocean City, 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 $3,209 $3,194 $3,117 $3,117 $10,056 $12,281 $3,771 $3,878
Farmers $4,017 $4,041 $3,912 $3,808 $11,381 $13,013 $4,738 $4,770
GEICO $1,936 $1,898 $1,886 $1,886 $3,466 $3,460 $2,217 $2,160
Liberty Mutual $4,433 $4,433 $4,866 $4,866 $11,406 $12,935 $4,866 $5,577
Progressive $1,779 $1,643 $1,607 $1,661 $7,803 $8,497 $2,091 $1,976
State Farm $4,094 $4,094 $3,706 $3,706 $13,378 $17,175 $4,665 $5,211
Travelers $3,324 $3,197 $3,085 $3,094 $7,362 $8,220 $3,200 $3,145

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Minimum Car Insurance in Ocean City, NJ

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

Minimum Required Car Insurance Coverage in Ocean City, 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 Ocean City, NJ Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Ocean City, New Jersey

Insurance Company Poor Fair Good
Allstate $7,422 $4,783 $3,780
Farmers $7,407 $5,778 $5,446
GEICO $3,544 $2,052 $1,495
Liberty Mutual $8,455 $6,270 $5,293
Progressive $3,794 $3,305 $3,047
State Farm $10,129 $6,114 $4,769
Travelers $5,861 $4,256 $2,868

Cheapest Ocean City, 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 Ocean City, NJ to rates for a clean record with top companies.

Annual Ocean City, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,993 $6,654 $5,805 $4,860
Farmers $4,834 $8,121 $6,678 $5,207
GEICO $1,844 $2,416 $3,350 $1,844
Liberty Mutual $6,408 $7,336 $6,539 $6,408
Progressive $2,899 $3,906 $3,331 $3,393
State Farm $3,811 $6,929 $11,135 $6,140
Travelers $3,318 $4,970 $4,785 $4,241

Cheapest Ocean City, NJ Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ocean City, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,056 $12,281
Farmers $11,381 $13,013
GEICO $3,466 $3,460
Liberty Mutual $11,406 $12,935
Progressive $7,803 $8,497
State Farm $13,378 $17,175
Travelers $7,362 $8,220

Cheapest Ocean City, NJ Car Insurance for Seniors

Take a look at Ocean City, 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 Ocean City, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,117 $3,117
Farmers $3,912 $3,808
GEICO $1,886 $1,886
Liberty Mutual $4,866 $4,866
Progressive $1,607 $1,661
State Farm $3,706 $3,706
Travelers $3,085 $3,094

Cheapest Ocean City, NJ Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ocean City, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,805
Farmers $6,678
GEICO $3,350
Liberty Mutual $6,539
Progressive $3,331
State Farm $11,135
Travelers $4,785

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Cheapest Ocean City, NJ Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ocean City, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,318 $5,338
Farmers $6,210 $6,210
GEICO $2,345 $2,383
Liberty Mutual $6,608 $6,737
Progressive $3,382 $3,382
State Farm $6,824 $7,183
Travelers $4,328 $4,328

The Best Cheap Car Insurance Companies in Ocean City, NJ

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

Average Annual Car Insurance Rates by Company in Ocean City, New Jersey

Insurance Company Average Annual Rates
Allstate $5,328
Farmers $6,210
GEICO $2,364
Liberty Mutual $6,673
Progressive $3,382
State Farm $7,004
Travelers $4,328

Category Winners: Cheapest Car Insurance in Ocean City, New Jersey

Find the cheapest car insurance companies in Ocean City, NJ for each category right here.

Best Annual Car Insurance Rates by Company in Ocean City, 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 Ocean City, NJ Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ocean City, New Jersey

Insurance Company Low Medium High
Allstate $4,893 $5,410 $5,681
Farmers $5,581 $6,179 $6,870
GEICO $2,121 $2,405 $2,565
Liberty Mutual $5,965 $6,876 $7,177
Progressive $3,069 $3,432 $3,644
State Farm $6,515 $7,094 $7,401
Travelers $3,952 $4,326 $4,708

What affects car insurance rates in Ocean City, New Jersey?

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

Commute Time in Ocean City

The more time you spend in your car the higher the risk of an accident. The average commute length in Ocean City, NJ is 27.3 minutes according to City-Data.

Compare Car Insurance Quotes in Ocean City, NJ

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

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