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Cheapest car insurance in Manalapan, New Jersey (Nov 2024)
Cheapest car insurance in Manalapan, New Jersey (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Manalapan, New Jersey.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Manalapan
- Best car insurance companies in Manalapan
- Best cheap car insurance quotes in Manalapan
- Car insurance quotes in Manalapan by rating factors
- How do different factors impact your car insurance costs in Manalapan?
- Cheap car insurance quotes in Manalapan after driving violations
- Cheap car insurance quotes in Manalapan by age
- Cheap car insurance quotes in Manalapan based on insurance history
- Cheap car insurance quotes in Manalapan for popular cars
- How to lower car insurance costs in Manalapan
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Manalapan
On average,
auto insurance
in Manalapan costs about $154 per month for minimum coverage liability insurance, and about $216 per month for full coverage insurance. Manalapan drivers pay 35% more than the New Jersey
average. Jerry Insurance Agency
is here to help Manalapan drivers with a valuable insurance comparison app, which efficiently reviews and analyzes multiple quotes
, allowing you to quickly select the customized policy that meets both your needs and your budget. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $104 | Bernice, 36 Zip: 07726 | Volkswagen Passat SE | • 100,000/300,000 Liability • Comp / Collision |
| AAA | $271 | Mae, 51 Zip: 07726 | Toyota Camry LE | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $163 | Martin, 52 Zip: 07726 | Nissan Rogue Sport S | • 25,000/50,000 Liability |
| Plymouth Rock | $133 | Wayne, 55 Zip: 07726 | Jeep Compass Latitude | • 15,000/30,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Best car insurance companies in Manalapan
For Manalapan drivers, there’s no single “cheapest” auto insurance provider out there—instead, you have to carefully shop around for the best priced personalized motorist coverage.
But we can point you in the right direction! To determine who offers the cheapest car insurance rates in Manalapan, Jerry conducted the most extensive insurance shopping survey in the industry.
Some research finds that
GEICO
offers the cheapest car insurance rates in Manalapan, but many users report that these low introductory rates increase significantly after a claim is filed, making the premiums much less affordable. Your coverage rates are highly personalized based on your individual needs and circumstances and will vary greatly from your friends’ and neighbors’ rates in Manalapan.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Geico | 4.5 | 3.9 | 4.4 | 4.6 |
| Progressive | 4.5 | 3.9 | 4.1 | 4.5 |
| State Farm | 4.2 | 3.7 | N/A | 4.2 |
| Allstate | 4.2 | 3.3 | N/A | |
Liberty Mutual | 3.5 | 2.8 | N/A | 3.5 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Manalapan
For Manalapan drivers, there’s no single “cheapest” auto insurance provider out there—instead, you have to carefully shop around for the best priced personalized motorist coverage.
But we can point you in the right direction! To determine who offers the cheapest car insurance rates in Manalapan, Jerry conducted the most extensive insurance shopping survey in the industry.
Some research finds that
GEICO
offers the cheapest car insurance rates in Manalapan, but many users report that these low introductory rates increase significantly after a claim is filed, making the premiums much less affordable. Your coverage rates are highly personalized based on your individual needs and circumstances and will vary greatly from your friends’ and neighbors’ rates in Manalapan.
Cheap minimum liability insurance quotes in Manalapan
- $50,000 in bodily injury liability per accident
You’ll commonly see this referred to as the 25/50/25 rule.
Do you need more than minimum coverage in Manalapan?
Liability coverage is the part of car insurance that pays for the injuries or damage you cause in an at-fault accident. But there’s a good chance that the damage will exceed the 25/50/25 limits established by
New Jersey insurance laws
.For this reason, Manalapan drivers should purchase a more robust liability insurance policy.
Cheap full coverage car insurance quotes in Manalapan
In Manalapan, drivers are not legally required to carry full coverage car insurance (although auto loan providers typically require it
before completing a vehicle sale
), but that doesn’t mean the coverage isn’t valuable. Full coverage includes
comprehensive
and collision coverage
to pay for damages to your vehicle in the event of an at-fault accident or non-collision-related event (like vandalism, natural disasters, and even theft). | Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $104 | Bernice, 36 Zip: 07726 | Volkswagen Passat SE |
• 100,000/300,000 Liability • Comp / Collision | AAA | $271 | Mae, 51 Zip: 07726 | Toyota Camry LE |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $93 | Travis, 55 Zip: 07726 | Alfa Romeo Stelvio TI |
• 15,000/30,000 Liability • Comp / Collision | Plymouth Rock | $133 | Wayne, 55 Zip: 07726 | Jeep Compass Latitude |
Last Updated Nov 18, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Manalapan, New Jersey
Manalapan car owners can expect to spend an average of $216 per month and $2,597 per year on full-coverage car insurance, or $154 per month and $1,848 per year on liability-only coverage.
It’s important to keep in mind that these numbers are just estimated averages for the “average” Manalapan driver. The actual rates you’ll pay depend on a wide variety of factors, including your vehicle type, driving record, claims history, exact location, credit score, and more. Your insurance costs could be significantly more or less than the averages articulated above.
Car insurance quotes in Manalapan by rating factors
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The type of car you drive: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
How do different factors impact your car insurance costs in Manalapan?
How do different factors impact your car insurance costs in Manalapan?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): New Jersey currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Manalapan:
Cheap car insurance quotes in Manalapan after driving violations
If insurance companies observe a track record of violations, they consider you to be a
high-risk driver
, resulting in higher insurance premiums being charged.Cheapest car insurance in Manalapan after speeding ticket
In Manalapan, speeding violations are typically categorized into different levels based on the extent to which the speed limit was exceeded. These levels often include 1-5 MPH over the limit, 6-10 MPH over the limit, 11-15 MPH over the limit, 16-20 MPH over the limit, and exceeding the speed limit by more than 21 MPH.
While receiving a
speeding ticket
in Manalapan is likely to result in increased insurance premiums, Jerry is an excellent resource for helping you find ways to minimize your costs. | Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 11-15 | Bristol West | $163 | Nannie, 52 Zip: 07726 | Nissan Rogue Sport S | • 25,000/50,000 Liability |
Speeding 16-20 | AAA | $143 | Chris, 52 Zip: 07726 | Nissan Maxima SV | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Manalapan after an at-fault accident
Your history of car accidents or claims heavily impacts your car insurance rates.
For every Manalapan driver, insurance companies thoroughly examine previous at-fault accidents to determine the level of risk. If you have recently been involved in an at-fault accident, it is likely that your car insurance rates will see a significant increase.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $110 | Birdie, 40 Zip: 07726 | Jeep Renegade Latitude | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | AAA | $271 | Hester, 50 Zip: 07726 | Toyota Camry LE | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $111 | Lois, 40 Zip: 07726 | Jeep Renegade Latitude | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest car insurance in Manalapan after other driving violations
Apart from speeding tickets and DUIs, other violations—such as
reckless driving
and driving with a suspended license—can result in increased car insurance costs in Manalapan.Jerry has helped drivers with various driving violations find affordable car insurance quotes from great providers.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Stop | Progressive | $356 | Tommy, 50 Zip: 07726 | Toyota Camry LE | • 100,000/300,000 Liability • Comp / Collision |
Cell Phone | AAA | $241 | Ruth, 23 Zip: 07726 | Ford Taurus Limited | • 15,000/30,000 Liability • Comp / Collision |
Driving on Sus. License | Bristol West | $163 | Nancy, 52 Zip: 07726 | Nissan Rogue Sport S | • 25,000/50,000 Liability |
Failure to Stop | Progressive | $356 | Dale, 50 Zip: 07726 | Toyota Camry LE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheap car insurance quotes in Manalapan by age
Teen drivers in Manalapan are generally the least experienced motorists on the road, which means they’re a higher risk to insurance companies. For this reason, young people tend to pay the highest rates in Manalapan, with premiums decreasing after they reach the age of 25.
Conversely, rates will start to go up again around the age of 75.
Cheapest car insurance in Manalapan for young drivers
16 to 19 year olds pay the highest
car insurance premiums
in Manalapan when compared to other age groups.If you’re a teen driver in Manalapan with a newer vehicle (or an older driver with a
provisional license
) it’s important to invest in full coverage insurance—especially due to the higher likelihood of young drivers to be involved in a collision. Full coverage insurance may cost more, but it provides essential financial protection after an accident. And Jerry can help you find savings on a great policy!
Jeremy (24 years old)
Coverage15,000 per person
30,000 per accident bodily injury
Comp / Collision
Manalapan, NJ (Zip Code: 07726)
$260
per month
Cheap car insurance quotes in Manalapan based on insurance history
Your insurance history plays a crucial role in determining your car insurance rates—specifically, whether you currently have coverage or not.
Manalapan drivers with a
policy lapse
usually have higher insurance rates. To assist customers in making timely insurance payments and avoiding coverage lapses, Jerry sends payment reminders to eligible Manalapan customers. These reminders are sent when a payment is approaching or overdue.We have successfully helped countless drivers in Manalapan who are currently uninsured or have experienced coverage lapses in finding affordable coverage.
Sara (40 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Manalapan, NJ (Zip Code: 07726)
$110
per month
Curtis (54 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Manalapan, NJ (Zip Code: 07726)
Alfa Romeo Stelvio TI$93
per month
Ollie (54 years old)
Currently Insured
Coverage15,000 per person
30,000 per accident bodily injury
Comp / Collision
Manalapan, NJ (Zip Code: 07726)
$133
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I'm 19 years of age, with previous driving experience. This company has provided a cheap reliable insurance as well this app.
Caden
Travelers insurance has very competitive process with top notch coverage. Wouldn't think of using anyone else
Alex
I am very excited to have progressive as my first auto insurance, very low rate and great coverage
Mohammed
Since having Mercury bundle insurance package it's been very easy to navigate the online system and complete task. I rate them a 10
Vieshia
Cheap car insurance quotes in for drivers with poor credit
drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Safeco | $93 | Charlotte, 54 Zip: 07726 | Alfa Romeo Stelvio TI | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Progressive | $356 | Gertrude, 50 Zip: 07726 | Toyota Camry LE | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | AAA | $271 | Hester, 50 Zip: 07726 | Toyota Camry LE | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | AAA | $143 | Chris, 52 Zip: 07726 | Nissan Maxima SV | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Manalapan for popular cars
If you’re a Manalapan driver shopping for a vehicle that will keep your car insurance rates as low as possible, don’t opt for a luxury SUV or sports car. Instead, look at popular makes and models like:
Last Updated Nov 22, 2024How to lower car insurance costs in Manalapan
Jerry’s one-of-a-kind insurance shopping app includes all the tools you’ll need to save on your next policy. Here are three easy ways to lower your Manalapan car insurance rates with Jerry:
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing!
To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. And with Jerry, it’s easy. Just fill out your profile and we’ll compare quotes from over 55 insurance companies.
When you shop with
Jerry
, you’ll get a customized list of free quotes organized by coverage levels, or you can build your own custom policy. You can also turn on the automatic reshop feature to be notified of lower rates before each policy renewal.
2. Hunt for car insurance discounts
All providers offer
car insurance discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Many providers offer discounts for drivers who avoid accidents and traffic violations for a specified period of time.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
But your provider may offer additional discounts, so check with them after you secure your policy!
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage. Just make sure to choose a deductible that you can easily pay if you need to file a claim.
The most common deductibles are $500 or $1,000.
If your current deductible is $500 or less, consider raising your deductible to $1,000 to lower your insurance premium.
Why is car insurance in Manalapan so expensive?
- Personal injury protection (PIP) coverage requirement: New Jersey is a no-fault insurance state, which means that drivers in Manalapan are required to have PIP coverage. PIP coverage provides medical benefits for injuries sustained in auto accidents, and the cost of this coverage can contribute to higher insurance premiums.
- Auto theft rates: Some areas have higher rates of auto theft, which increases the risk of vehicle loss or damage. Insurers may charge higher premiums to compensate for the elevated risk.
- Lawsuits and litigation: New Jersey has a higher prevalence of lawsuits and litigation related to auto accidents compared to other states. This can increase insurance costs for Manalapan drivers as insurers need to allocate funds for potential legal expenses and settlements.
FAQ
How much is car insurance in Manalapan?
People living in Manalapan pay on average $154 per month – or $1,848 per year – on state-minimum liability coverage. Full coverage in Manalapan costs on average $216 per month or $2,597 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Manalapan?
Based on thousands of Manalapan drivers Jerry has worked with, car insurance in Manalapan costs an average of $154 per month for state-minimum coverage and $216 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Manalapan?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Bristol West
, SafeC0
, and Travelers
receive good ratings from Manalapan drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Manalapan, New Jersey?
- $50,000 in bodily injury liability per accident
You’ll commonly see this referred to as the 25/50/25 rule.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.