Car insurance in Allenhurst for an adult with a clean driving record and good insurance score costs $1,814 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Allenhurst by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Allenhurst.

Key Highlights
  • Car insurance in Allenhurst is cheaper than car insurance in New Jersey for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Allenhurst is $1,814 per year or $151 per month.
  • In Allenhurst, Palisades offers the cheapest full coverage car insurance at $89 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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What is the average cost of car insurance in Allenhurst, NJ?

The average auto insurance rates in Allenhurst, NJ at various coverage levels are listed below:

  • State minimum: $966 per year
  • Liability-only coverage (50/100/50): $1,104 per year
  • Full coverage (100/300/100): $1,814 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Palisades$536$640$1,063
Geico$404$509$1,166
New Jersey Manufacturers$535$632$1,314
State Farm$817$950$1,607
Allstate$569$702$1,612
Travelers$912$1,031$1,727
Mercury Insurance$950$1,132$2,091
Farmers$1,185$1,448$2,770
Progressive$2,789$2,893$2,975

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Allenhurst, NJ?

Out of all the carriers available in Allenhurst, Palisades offers the cheapest full coverage car insurance at $89 per month.

The second-cheapest car insurance company in Allenhurst is Geico, offering car insurance at $97 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Palisades$89
Geico$97
New Jersey Manufacturers$110
State Farm$134
Allstate$134
Travelers$144
Mercury Insurance$174
Farmers$231
Progressive$248

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Allenhurst, NJ?

Car insurance is more expensive for high-risk drivers. A high-risk driver in New Jersey is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Allenhurst, NJ

See the average annual premium for drivers with two speeding tickets on their records in Allenhurst, NJ in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
Progressive$127
Geico$135
Allstate$179
State Farm$200
Travelers$234
Mercury$268
Farmers$358

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Allenhurst, NJ

See the average annual premium for a driver convicted of DUI in Allenhurst, NJ in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
Progressive$108
Allstate$188
Geico$192
Travelers$234
Mercury$268
Farmers$298
State Farm$514

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Allenhurst, NJ

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Allenhurst, NJ, by age

Age is a key factor when considering car insurance rates in most cities, including Allenhurst – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$578
16Geico$211
16Farmers$1,003
16Mercury Insurance$1,747
16New Jersey Manufacturers$430
16Palisades$659
16Progressive$1,086
16State Farm$413
16Travelers$593
17Allstate$463
17Geico$211
17Farmers$750
17Mercury Insurance$1,192
17New Jersey Manufacturers$363
17Palisades$640
17Progressive$1,099
17State Farm$403
17Travelers$466
18Allstate$433
18Geico$210
18Farmers$708
18Mercury Insurance$1,166
18New Jersey Manufacturers$295
18Palisades$640
18Progressive$762
18State Farm$397
18Travelers$362
19Allstate$400
19Geico$206
19Farmers$464
19Mercury Insurance$459
19New Jersey Manufacturers$248
19Palisades$269
19Progressive$442
19State Farm$307
19Travelers$292
20Allstate$342
20Geico$181
20Farmers$439
20Mercury Insurance$454
20New Jersey Manufacturers$223
20Palisades$253
20Progressive$414
20State Farm$289
20Travelers$253
21Allstate$232
21Geico$166
21Farmers$328
21Mercury Insurance$323
21New Jersey Manufacturers$203
21Palisades$229
21Progressive$354
21State Farm$258
21Travelers$214
22Allstate$221
22Geico$163
22Farmers$308
22Mercury Insurance$323
22New Jersey Manufacturers$184
22Palisades$167
22Progressive$330
22State Farm$245
22Travelers$195
23Allstate$206
23Geico$139
23Farmers$293
23Mercury Insurance$234
23New Jersey Manufacturers$143
23Palisades$152
23Progressive$312
23State Farm$219
23Travelers$182
24Allstate$201
24Geico$135
24Farmers$287
24Mercury Insurance$234
24New Jersey Manufacturers$139
24Palisades$143
24Progressive$295
24State Farm$199
24Travelers$172
25Allstate$152
25Geico$116
25Farmers$270
25Mercury Insurance$198
25New Jersey Manufacturers$134
25Palisades$132
25Progressive$269
25State Farm$164
25Travelers$156
30Allstate$134
30Geico$99
30Farmers$247
30Mercury Insurance$183
30New Jersey Manufacturers$116
30Palisades$90
30Progressive$254
30State Farm$136
30Travelers$153
35Allstate$134
35Geico$97
35Farmers$228
35Mercury Insurance$186
35New Jersey Manufacturers$112
35Palisades$89
35Progressive$251
35State Farm$134
35Travelers$154
40Allstate$134
40Geico$97
40Farmers$231
40Mercury Insurance$174
40New Jersey Manufacturers$110
40Palisades$89
40Progressive$248
40State Farm$134
40Travelers$144
45Allstate$134
45Geico$98
45Farmers$238
45Mercury Insurance$172
45New Jersey Manufacturers$106
45Palisades$94
45Progressive$248
45State Farm$133
45Travelers$142
50Allstate$121
50Geico$94
50Farmers$222
50Mercury Insurance$160
50New Jersey Manufacturers$103
50Palisades$93
50Progressive$238
50State Farm$131
50Travelers$141
55Allstate$119
55Geico$94
55Farmers$225
55Mercury Insurance$159
55New Jersey Manufacturers$99
55Palisades$93
55Progressive$238
55State Farm$127
55Travelers$131
60Allstate$122
60Geico$96
60Farmers$230
60Mercury Insurance$162
60New Jersey Manufacturers$96
60Palisades$103
60Progressive$239
60State Farm$125
60Travelers$132
65Allstate$135
65Geico$98
65Farmers$244
65Mercury Insurance$179
65New Jersey Manufacturers$97
65Palisades$111
65Progressive$258
65State Farm$141
65Travelers$144
70Allstate$135
70Geico$98
70Farmers$240
70Mercury Insurance$179
70New Jersey Manufacturers$99
70Palisades$117
70Progressive$258
70State Farm$147
70Travelers$156
75Allstate$157
75Geico$100
75Farmers$302
75Mercury Insurance$176
75New Jersey Manufacturers$112
75Palisades$137
75Progressive$258
75State Farm$154
75Travelers$175

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Allenhurst, NJ, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Progressive$147
Geico$220
Allstate$244
Mercury Insurance$273
State Farm$282
Farmers$289
Travelers$310

Final thoughts: Car insurance cost in Allenhurst, NJ

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Allenhurst, NJ. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Allenhurst, New Jersey.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.