COMPANY | AVERAGE ANNUAL RATE | Monthly Premium |
---|---|---|
New Jersey Manufacturers | $1,232 | $103 |
State Farm | $1,367 | $114 |
Amica Mutual | $1,375 | $115 |
Allstate | $1,380 | $115 |
Progressive | $1,459 | $122 |
Why Compare Car Insurance Rates in New Jersey:
Auto insurance in New Jersey isn't the cheapest, but you can find cheap car insurance in New Jersey if you're on a budget. New Jersey drivers pay an annual premium of $735 for minimum coverage and $1710 for maximum coverage. As a result, New Jersey drivers pay some of the nation's highest car insurance rates.
With an average annual total insurance premium of $1710, New Jersey residents pay a significant auto insurance rate. If you're in the market for car insurance, you're probably looking for affordable car insurance in New Jersey. It's essential to shop around and get various auto insurance quotes in NJ to get the best value for your money.
Since New Jersey has many licensed drivers, several insurance agencies offer auto insurance to residents. If you're dissatisfied with your current rate, other companies might give you a better bid. These companies offer the best car insurance in New Jersey.
Of all the top car insurance companies in New Jersey, we at Way.com found that State Farm has the best driver rates with a minimum payout rate of $375.
New Jersey's minimum car insurance coverage is $15,000/$30,000/$5,000. Your bodily injury limitations in the case of a covered accident are $15,000 per person, with a total maximum of $30,000 per incident. It also covers damage to another person's property up to $5,000.
If you are looking into New Jersey insurance for your car, remember that New Jersey is a no-fault car insurance state. This means that even if the other person is at fault, your Personal Injury Protection (PIP) insurance will pay your benefits up to the policy limits. Medical bills, lost wages, death benefits, and certain incidental expenditures originating from a traffic collision are covered by no-fault auto insurance in New Jersey.
The following are the minimum auto insurance requirements for New Jersey state insurance:
Coverage Type | Minimum Coverage Limit |
---|---|
Bodily Injury Liability Coverage (per person) | $15000 ($30000 for injuries resulting in death) |
Bodily Injury Liability Coverage (per accident) | $15000 ($30000 for injuries resulting in death) |
Property Damage Liability | $5000 |
You will not get cheap car insurance quotes by simply putting in the query 'car insurance near me' in your search browser. You will have to go through the hard work of comparing car insurance quotes from various car insurance companies. You can also get in touch with your insurance agent to get a lowdown on cheap car insurance quotes.
Plymouth Rock has the cheapest minimum coverage car insurance quotes in New Jersey, charging an average of $496 per year.
Drivers can also get cheap auto insurance in New Jersey with NJM. Its average annual car insurance premium is $558, or around $47 per month.
Company | Annual Premium |
---|---|
Plymouth Rock Assurance | $496 |
NJM | $558 |
Travelers | $728 |
Amica Mutual | $813 |
Allstate | $826 |
State Farm | $892 |
Progressive | $1,006 |
Mercury | $1,116 |
Foremost | $1,170 |
Hanover | $1,718 |
Even while these bare minimums will allow you to drive lawfully, you may wish to purchase additional liability insurance to protect your cash and assets against lawsuits. If you total someone else's car, the damage might quickly exceed your policy's $5,000 property damage liability limit. You'd have to pay the difference out of your pocket.
It's also a good idea to think about adding collision and comprehensive coverage to your policy, which will protect you from having to pay out of pocket if you skid on ice and strike a tree or if your car is stolen.
New Jersey is a no-fault state, which means that drivers must carry personal injury protection or PIP in addition to liability insurance. New Jersey is unique in that it gives residents the option of choosing between two sets of minimum insurance coverage requirements: a Basic Policy and a Standard Policy.
According to the state, most drivers choose Standard. However, the Basic Policy is less expensive and has the lowest limitations available.
In New Jersey, auto insurance is required, although the type and cost of coverage can vary greatly. Every day, customers discover choices available to make complying with the law easier.
The Automobile Insurance Cost Reduction Act required that all drivers have access to a Basic Policy. It is critical to understand that driving without insurance is illegal.
Driving uninsured is becoming more costly - in addition to the financial danger of not having insurance, you risk fines, suspension of your driver's license or registration, and even jail time in the future.
If you're injured in a car accident, personal injury protection will cover your medical fees and expenses up to your policy limits, regardless of who was at fault. PIP may also cover the following expenses, depending on your state:
Liability insurance
Property damage and bodily injury are two forms of liability auto insurance that must be included in your insurance policy if you live in New Jersey. If you are held legally responsible for a covered accident, property damage insurance protects your assets. It protects you against certain types of harm to another person's property or car.
If you're held legally responsible for a covered accident, bodily injury protects your assets, including some expenses related to bodily harm suffered by third parties. If a lawsuit is filed against you due to a covered accident, liability coverage will pay for your legal defense.
Every driver or operator of a car in New Jersey is required by law to keep a registration certificate and an insurance identification card on hand at all times. On March 21, 2017, the state released a Motor car Advisory stating that motorists can produce insurance evidence in either electronic or paper insurance identity cards.
For displaying insurance, e-cards, cell phones, tablets, and PCs are considered appropriate devices. When a motorist utilizes an electronic device for verification, law enforcement officers or courts cannot view any information other than insurance identity cards.
According to Way.com's analysis, the average cost of full coverage car insurance in New Jersey is $1986 per year or roughly $164 per month. The state's minimum coverage is $981 per year on average, but we determined that you can probably get a cheaper policy.
In New Jersey, New Jersey Manufactureres is the cheapest full coverage auto insurance company, with coverage costing an average of $1232 per year — or $102 per month. Drivers can also obtain low-cost coverage through Progressive, covering less than $1,500 per year.
Full coverage in New Jersey costs an average of $1836 per year, or $152 per month – more than twice as much as a liability-only policy.
COMPANY | AVERAGE ANNUAL RATE |
---|---|
Progressive | $1,459 |
New Jersey Manufacturers | $1,232 |
State Farm | $1,367 |
Metlife | $1414 |
Palisades Group | $1,496 |
Statewide Average | $1,610 |
Travelers | $1,255 |
Amica Mutual | $1,375 |
Allstate | $1,380 |
Mercury | $1670 |
Esurance | $2302 |
Farmers Insurance | $2,907 |
New Jersey Manufacturers offers basic coverage for young drivers in New Jersey for $2859 per year, 53% less than the national average. With an annual $2,859, the insurer is also the cheapest option for complete coverage.
Young drivers in New Jersey pay nearly three times as much as older drivers for minimum coverage car insurance, which costs $2385 on average. The average cost of a complete coverage is $6228 per year, 240% more than for a 30-year-old driver.
COMPANY | 17-YEAR-OLD FEMALES | 17-YEAR-OLD MALES |
---|---|---|
Allstate | $3650 | $4002 |
Farmers Insurance | $9,041 | $10,038 |
New Jersey Manufacturers | $2,859 | $3,096 |
Palisades Group | $8,514 | $9,390 |
Progressive | $10,935 | $11,783 |
State Farm | $3,480 | $4,153 |
Travelers | $3305 | $3980 |
Statewide Average | $5,478 | $6,178 |
Foremost | $6,867 | $7685 |
New Jersey drivers with a single speeding ticket may be able to discover the cheapest full coverage auto insurance quotes with Plymouth Rock, which offers coverage for $1100 per year – the same amount as if you hadn't received a speeding violation.
After a first speeding ticket, Plymouth Rock maintains the same rates. It costs $1100 per year on average. Receiving a speeding ticket can increase the cost of auto insurance by 15% on average while being in an accident can increase the cost by 57%.
COMPANY | AVERAGE ANNUAL RATE |
---|---|
State Farm | $1,367 |
New Jersey Manufacturers | $1,485 |
Progressive | $1,495 |
Plymouth Rock | $1,100 |
Palisades Group | $1,806 |
Statewide Average | $1,881 |
Amica Mutual | $1395 |
Metlife | $2127 |
Travelers | $1.850 |
Allstate | $1708 |
Esurance | $3042 |
Farmers Insurance | $3,199 |
Foremost | $2,435 |
Hanover | $3,437 |
Drivers in New Jersey who have been in an accident may still be able to receive low-cost full-coverage auto insurance quotes at New Jersey Manufacturers, where the average price is $1,232 - 55% less than the national average. NJM is unique because it is the only insurer that does not raise premiums after a single accident.
A single accident on your driving record can significantly raise your auto insurance rates, as a driver who has been in one accident is more likely to be involved in another in the future. After an at-fault accident, New Jersey drivers pay 57% more.
COMPANY | AVERAGE ANNUAL RATE |
---|---|
New Jersey Manufacturers | $1,232 |
Palisades Group | $1,615 |
Progressive | $1975 |
Amica Mutual | $1378 |
State Farm | $2,229 |
Plymouth Rock | $1232 |
Statewide Average | $2,626 |
Travelers | $2,123 |
Allstate | $2288 |
Farmers Insurance | $6,602 |
Mercury | $2,853 |
Foremost | $4,842 |
Hanover | $4,891 |
Drivers who have been cited for a DUI in New Jersey can still get cheap car insurance from Plymouth Rock. After a DUI, car insurance from Progressive costs $1056 – 63% less than the national average.
After a DUI, the cost of full coverage car insurance in New Jersey can skyrocket to $2742 per year. This is a $908 increase over the cost for a driver with a clean driving record.
If you are looking for affordable car insurance after DUI you can take a look below:
COMPANY | AVERAGE ANNUAL RATE |
---|---|
Progressive | $1,408 |
New Jersey Manufacturers | $1,485 |
Palisades Group | $2,098 |
Plymouth Rock | $1056 |
Travelers | $2056 |
Statewide Average | $2,659 |
Allstate | $1987 |
Esurance | $2946 |
Mercury | $2418 |
Farmers Insurance | $3,689 |
Metlife | $4148 |
State Farm | $5,278 |
Amica Mutual | $6745 |
Foremost | $2,775 |
In New Jersey, Plymouth Rock is still the cheapest option for married drivers, even though the insurer hikes rates for married people, presumably to encourage bundling. In the state as a whole, married drivers pay $37 less for full coverage auto insurance than unmarried drivers.
It's usual for insurers to offer married drivers somewhat lower premiums.
Company | Annual Rate |
---|---|
Plymouth Rock | $1,541 |
State Farm | $1,649 |
NJM | $1,649 |
Progressive | $1,673 |
Allstate | $2,489 |
Travelers | $3,173 |
NJM has the cheapest car insurance for young drivers with one past at-fault accident, with coverage costing 70% less than the national average. NJM is the only other insurer that offers minimal coverage for less than $2,000.
Company | Annual rate |
---|---|
NJM | $1770 |
State Farm | $2214 |
Travelers | $4152 |
Progressive | $4191 |
City | Average Annual Cost |
---|---|
Jersey City | $2,537 |
Newark | $2,945 |
Absecon | $2,177 |
Adelphia | $1,949 |
Allendale | $1,877 |
Allenhurst | $1,913 |
Allentown | $1,781 |
Allenwood | $1,793 |
Alpha | $1,757 |
Alpine | $2,213 |
Andover | $1,769 |
Annandale | $1,721 |
Asbury | $1,721 |
Asbury Park | $1,913 |
Ashland | $1,913 |
Atco | $2,081 |
Atlantic City | $2,561 |
Atlantic Highlands | $1,793 |
Audubon | $1,841 |
Audubon Park | $1,841 |
Augusta | $1,769 |
Avalon | $1,793 |
Avenel | $2,093 |
Avon-by-the-Sea | $1,757 |
Baptistown | $1,721 |
Barclay | $1,913 |
Barnegat | $1,745 |
Barnegat Light | $1,745 |
Barrington | $1,865 |
Basking Ridge | $1,745 |
Bay Head | $1,733 |
Bayonne | $2,381 |
Bayville | $1,865 |
Beach Haven | $1,745 |
Beach Haven West | $1,745 |
Beachwood | $1,865 |
Beattystown | $1,769 |
Beckett | $1,853 |
Bedminster | $1,805 |
Belford | $1,793 |
Belle Mead | $1,757 |
Belleville | $2,501 |
Bellmawr | $2,021 |
Belmar | $1,733 |
Belvidere | $1,757 |
Bergenfield | $2,393 |
Berkeley Heights | $1,877 |
Berlin | $2,081 |
Bernardsville | $1,769 |
Beverly | $1,829 |
Birmingham | $1,841 |
Blackwells Mills | $2,057 |
Blackwood | $2,021 |
Blairstown | $1,757 |
Blawenburg | $1,781 |
Bloomfield | $2,321 |
Bloomingdale | $1,805 |
Bloomsbury | $1,745 |
Bogota | $2,441 |
Boonton | $1,745 |
Bordentown | $1,781 |
Bound Brook | $1,853 |
Bradley Beach | $1,865 |
Bradley Gardens | $1,841 |
Branchville | $1,829 |
Brass Castle | $1,757 |
Brick | $1,913 |
Bridgeport | $1,853 |
Bridgeton | $1,973 |
Bridgewater | $1,841 |
Brielle | $1,733 |
Brigantine | $2,165 |
Broadway | $1,805 |
Brookdale | $2,321 |
Brooklawn | $1,925 |
Brookside | $1,757 |
Browns Mills | $1,865 |
Brownville | $2,009 |
Budd Lake | $1,769 |
Buena | $2,093 |
Burlington | $1,829 |
Butler | $1,781 |
Buttzville | $1,769 |
Caldwell | $1,925 |
Califon | $1,721 |
Camden | $2,609 |
Cape May | $1,793 |
Cape May Court House | $1,829 |
Cape May Point | $1,793 |
Carlstadt | $2,405 |
Carneys Point | $1,877 |
Carteret | $2,393 |
Cedar Brook | $2,081 |
Cedar Glen Lakes | $1,877 |
Cedar Glen West | $1,877 |
Cedar Grove | $2,033 |
Cedar Knolls | $1,733 |
Cedarville | $1,973 |
Changewater | $1,721 |
Chatham | $1,769 |
Chatsworth | $1,937 |
Cherry Hill | $1,913 |
Cherry Hill Mall | $1,913 |
Chesilhurst | $2,021 |
Chester | $1,733 |
Chesterfield | $1,769 |
Clark | $1,985 |
Clarksboro | $1,853 |
Clayton | $2,081 |
Clearbrook Park | $2,033 |
Clementon | $2,105 |
Cliffside Park | $2,693 |
Cliffwood | $2,009 |
Cliffwood Beach | $1,901 |
Clifton | $2,573 |
Clinton | $1,721 |
Closter | $2,177 |
Collingswood | $1,865 |
Cologne | $2,033 |
Colonia | $2,033 |
Colts Neck | $1,829 |
Columbia | $1,757 |
Columbus | $1,781 |
Concordia | $2,033 |
Convent Station | $1,769 |
Cookstown | $1,817 |
Country Lake Estates | $1,865 |
Cranbury | $1,877 |
Crandon Lakes | $1,769 |
Cranford | $1,985 |
Cream Ridge | $1,829 |
Cresskill | $2,177 |
Crestwood Village | $1,877 |
Dayton | $1,841 |
Deal | $1,913 |
Deepwater | $1,877 |
Deerfield Street | $2,081 |
Delaware Park | $1,757 |
Delmont | $1,961 |
Demarest | $2,213 |
Dennisville | $1,865 |
Denville | $1,721 |
Dividing Creek | $1,973 |
Dorchester | $1,973 |
Dorothy | $2,093 |
Dover | $1,829 |
Dover Beaches North | $1,733 |
Dover Beaches South | $1,793 |
Dumont | $2,069 |
Dunellen | $1,937 |
East Brunswick | $2,009 |
East Franklin | $2,057 |
East Freehold | $2,009 |
East Hanover | $1,961 |
East Newark | $2,513 |
East Orange | $2,801 |
East Rutherford | $2,297 |
Eatontown | $1,793 |
Echelon | $1,949 |
Edgewater | $2,681 |
Edison | $2,045 |
Egg Harbor City | $2,189 |
Egg Harbor Township | $2,141 |
Elizabeth | $2,825 |
Elizabethport | $2,825 |
Ellisburg | $1,901 |
Elmer | $1,937 |
Elmwood Park | $2,573 |
Elwood | $2,201 |
Emerson | $2,009 |
Englewood | $2,561 |
Englewood Cliffs | $2,573 |
Englishtown | $2,009 |
Erma | $1,793 |
Essex Fells | $2,117 |
Estell Manor | $2,141 |
Ewan | $1,925 |
Fair Haven | $1,793 |
Fair Lawn | $2,309 |
Fairfield | $1,949 |
Fairton | $1,997 |
Fairview | $2,297 |
Fanwood | $2,093 |
Far Hills | $1,793 |
Farmingdale | $1,925 |
Fieldsboro | $1,781 |
Finderne | $1,841 |
Flagtown | $1,841 |
Flanders | $1,757 |
Flemington | $1,745 |
Florence | $1,829 |
Florham Park | $1,769 |
Folsom | $2,153 |
Fords | $2,021 |
Forked River | $1,805 |
Fort Dix | $1,853 |
Fort Lee | $2,669 |
Fort Monmouth | $1,793 |
Fortescue | $1,973 |
Franklin | $1,805 |
Franklin Center | $2,057 |
Franklin Lakes | $1,853 |
Franklin Park | $2,057 |
Franklinville | $2,093 |
Freehold | $2,009 |
Frenchtown | $1,721 |
Garfield | $2,597 |
Garwood | $1,985 |
Gibbsboro | $1,949 |
Gibbstown | $1,853 |
Gillette | $1,757 |
Gladstone | $1,793 |
Glassboro | $1,961 |
Glasser | $1,745 |
Glen Gardner | $1,721 |
Glen Ridge | $2,189 |
Glen Rock | $2,009 |
Glendora | $1,949 |
Glenwood | $1,889 |
Gloucester City | $1,925 |
Golden Triangle | $1,901 |
Goshen | $1,937 |
Great Meadows | $1,769 |
Green Creek | $1,913 |
Green Knoll | $1,841 |
Green Village | $1,757 |
Greendell | $1,769 |
Greentree | $1,913 |
Greenwich | $1,829 |
Grenloch | $1,925 |
Groveville | $1,781 |
Guttenberg | $2,693 |
Hackensack | $2,537 |
Hackettstown | $1,769 |
Haddon Heights | $1,829 |
Haddonfield | $1,829 |
Hainesport | $1,805 |
Haledon | $2,333 |
Hamburg | $1,805 |
Hamilton Square | $1,793 |
Hammonton | $2,201 |
Hampton | $1,721 |
Hancocks Bridge | $1,985 |
Harrington Park | $2,033 |
Harrison | $2,513 |
Harrisonville | $1,949 |
Harvey Cedars | $1,745 |
Hasbrouck Heights | $2,321 |
Haskell | $1,853 |
Haworth | $2,033 |
Hawthorne | $2,261 |
Hazlet | $1,841 |
Heathcote | $1,877 |
Heislerville | $1,973 |
Helmetta | $1,997 |
Hewitt | $1,877 |
Hi-Nella | $1,913 |
Hibernia | $1,781 |
High Bridge | $1,721 |
Highland Lake | $1,889 |
Highland Park | $2,069 |
Highlands | $1,829 |
Hightstown | $1,913 |
Hillsborough | $1,769 |
Hillsdale | $1,925 |
Hillside | $2,513 |
Ho-Ho-Kus | $1,913 |
Hoboken | $2,525 |
Holiday City South | $1,877 |
Holiday City-Berkeley | $1,877 |
Holiday Heights | $1,877 |
Holmdel | $1,841 |
Hopatcong | $1,781 |
Hopewell | $1,853 |
Howell | $2,009 |
Imlaystown | $1,901 |
Interlaken | $1,913 |
Ironia | $1,781 |
Irvington | $2,945 |
Iselin | $2,093 |
Island Heights | $1,865 |
Jackson | $2,021 |
Jamesburg | $2,033 |
Jobstown | $1,829 |
Johnsonburg | $1,793 |
Joint Base Mdl | $1,841 |
Juliustown | $1,829 |
Keansburg | $1,865 |
Kearny | $2,513 |
Keasbey | $2,093 |
Kendall Park | $1,961 |
Kenilworth | $1,997 |
Kenvil | $1,769 |
Keyport | $1,901 |
Kingston | $1,793 |
Kingston Estates | $1,913 |
Kinnelon | $1,781 |
Lafayette | $1,769 |
Lake Como | $1,733 |
Lake Hiawatha | $1,745 |
Lake Hopatcong | $1,793 |
Lake Mohawk | $1,769 |
Lakehurst | $1,829 |
Lakewood | $2,201 |
Lambertville | $1,745 |
Landing | $1,781 |
Landisville | $2,045 |
Lanoka Harbor | $1,805 |
Laurel Lake | $1,973 |
Laurel Springs | $2,105 |
Laurence Harbor | $1,973 |
Lavallette | $1,733 |
Lawnside | $1,913 |
Lawrence Township | $1,913 |
Lawrenceville | $1,913 |
Layton | $1,769 |
Lebanon | $1,745 |
Ledgewood | $1,781 |
Leeds Point | $2,105 |
Leesburg | $1,973 |
Leisure Knoll | $1,877 |
Leisure Village | $2,201 |
Leisure Village East | $2,201 |
Leisure Village West | $1,877 |
Leisuretowne | $1,841 |
Leonardo | $1,793 |
Leonia | $2,501 |
Liberty Corner | $1,745 |
Lincoln Park | $1,913 |
Lincroft | $1,793 |
Linden | $2,561 |
Lindenwold | $2,105 |
Linwood | $2,069 |
Little Falls | $2,225 |
Little Ferry | $2,513 |
Little Silver | $1,793 |
Little York | $1,745 |
Livingston | $2,093 |
Lodi | $2,525 |
Long Branch | $1,877 |
Long Valley | $1,745 |
Longport | $2,153 |
Lumberton | $1,781 |
Lyndhurst | $2,249 |
Lyons | $1,745 |
Madison | $1,733 |
Madison Park | $2,057 |
Magnolia | $1,913 |
Mahwah | $1,865 |
Malaga | $2,093 |
Manahawkin | $1,745 |
Manasquan | $1,733 |
Manchester Township | $1,877 |
Mantoloking | $1,733 |
Mantua | $1,889 |
Manville | $1,841 |
Maple Shade | $1,901 |
Maplewood | $2,405 |
Margate City | $2,153 |
Marlboro | $1,973 |
Marlton | $1,901 |
Marmora | $1,829 |
Martinsville | $1,841 |
Matawan | $2,021 |
Mauricetown | $1,973 |
Mays Landing | $2,189 |
Maywood | $2,285 |
Mc Afee | $1,901 |
McGuire AFB | $1,841 |
Medford | $1,841 |
Medford Lakes | $1,841 |
Mendham | $1,769 |
Mercerville | $1,865 |
Merchantville | $2,153 |
Metuchen | $1,961 |
Mickleton | $1,853 |
Middlebush | $2,057 |
Middlesex | $1,865 |
Middletown | $1,793 |
Middleville | $1,817 |
Midland Park | $1,913 |
Milford | $1,721 |
Millburn | $2,045 |
Millington | $1,757 |
Millstone | $1,769 |
Millstone Township | $1,949 |
Milltown | $2,021 |
Millville | $1,973 |
Milmay | $2,081 |
Mine Hill | $1,793 |
Minotola | $2,045 |
Mizpah | $2,081 |
Monmouth Beach | $1,829 |
Monmouth Junction | $1,961 |
Monroe Township | $2,033 |
Monroeville | $1,997 |
Montague | $1,853 |
Montclair | $2,177 |
Montvale | $1,865 |
Montville | $1,865 |
Moonachie | $2,489 |
Moorestown | $1,793 |
Moorestown-Lenola | $1,793 |
Morganville | $1,973 |
Morris Plains | $1,733 |
Morristown | $1,769 |
Mount Arlington | $1,793 |
Mount Ephraim | $1,925 |
Mount Freedom | $1,757 |
Mount Holly | $1,781 |
Mount Laurel | $1,865 |
Mount Royal | $1,865 |
Mount Tabor | $1,721 |
Mountain Lake | $1,757 |
Mountain Lakes | $1,733 |
Mountainside | $1,877 |
Mullica Hill | $1,937 |
Mystic Island | $1,745 |
National Park | $1,877 |
Navesink | $1,793 |
Neptune | $1,889 |
Neptune City | $1,889 |
Neshanic Station | $1,769 |
Netcong | $1,781 |
New Brunswick | $2,225 |
New Egypt | $1,793 |
New Gretna | $1,877 |
New Lisbon | $1,817 |
New Milford | $2,321 |
New Providence | $1,841 |
New Vernon | $1,745 |
Newfield | $2,009 |
Newfoundland | $1,805 |
Newport | $1,973 |
Newton | $1,769 |
Newtonville | $2,153 |
Norma | $2,057 |
Normandy Beach | $1,733 |
North Arlington | $2,309 |
North Beach Haven | $1,745 |
North Bergen | $2,801 |
North Brunswick | $2,213 |
North Caldwell | $1,925 |
North Cape May | $1,793 |
North Haledon | $2,333 |
North Middletown | $1,793 |
North Plainfield | $2,441 |
North Wildwood | $1,793 |
Northfield | $2,153 |
Northvale | $2,033 |
Norwood | $2,177 |
Nutley | $2,249 |
Oak Ridge | $1,793 |
Oak Valley | $1,889 |
Oakhurst | $1,817 |
Oakland | $1,913 |
Oaklyn | $1,889 |
Ocean Acres | $1,745 |
Ocean City | $1,889 |
Ocean Gate | $1,865 |
Ocean Grove | $1,865 |
Ocean View | $1,793 |
Oceanport | $1,793 |
Oceanville | $2,129 |
Ogdensburg | $1,805 |
Old Bridge | $2,009 |
Old Tappan | $1,949 |
Oldwick | $1,769 |
Olivet | $1,937 |
Oradell | $2,069 |
Orange | $2,801 |
Oxford | $1,769 |
Palisades Park | $2,693 |
Palmyra | $1,853 |
Panther Valley | $1,769 |
Paramus | $2,153 |
Park Ridge | $1,865 |
Parlin | $2,081 |
Parsippany | $1,745 |
Passaic | $2,873 |
Paterson | $2,849 |
Paulsboro | $1,901 |
Peapack | $1,769 |
Pedricktown | $1,877 |
Pemberton | $1,853 |
Pemberton Heights | $1,853 |
Pennington | $1,877 |
Penns Grove | $1,877 |
Pennsauken | $2,153 |
Pennsville | $1,877 |
Pequannock | $1,793 |
Perth Amboy | $2,573 |
Phillipsburg | $1,757 |
Picatinny Arsenal | $1,805 |
Pine Beach | $1,865 |
Pine Brook | $1,865 |
Pine Hill | $2,105 |
Pine Lake Park | $1,877 |
Pine Ridge at Crestwood | $1,877 |
Piscataway | $1,973 |
Pitman | $1,949 |
Pittstown | $1,721 |
Plainfield | $2,441 |
Plainsboro | $1,925 |
Plainsboro Center | $1,925 |
Pleasantville | $2,177 |
Pluckemin | $1,781 |
Point Pleasant | $1,733 |
Point Pleasant Beach | $1,733 |
Pomona | $2,057 |
Pompton Lakes | $1,853 |
Pompton Plains | $1,793 |
Port Elizabeth | $2,021 |
Port Monmouth | $1,793 |
Port Murray | $1,769 |
Port Norris | $1,973 |
Port Reading | $2,093 |
Port Republic | $1,745 |
Pottersville | $1,721 |
Presidential Lakes Estates | $1,865 |
Princeton | $1,793 |
Princeton Junction | $1,805 |
Princeton Meadows | $1,925 |
Prospect Park | $2,333 |
Quakertown | $1,721 |
Rahway | $2,357 |
Ramblewood | $1,865 |
Ramsey | $1,841 |
Ramtown | $2,009 |
Rancocas | $1,841 |
Randolph | $1,757 |
Raritan | $1,805 |
Red Bank | $1,793 |
Richland | $2,105 |
Richwood | $1,937 |
Ridgefield | $2,693 |
Ridgefield Park | $2,513 |
Ridgewood | $1,925 |
Ringoes | $1,721 |
Ringwood | $1,865 |
Rio Grande | $1,793 |
River Edge | $2,093 |
Riverdale | $1,757 |
Riverside | $1,829 |
Riverton | $1,829 |
Robbinsville | $1,781 |
Robertsville | $1,985 |
Rochelle Park | $2,285 |
Rockaway | $1,793 |
Rockleigh | $2,033 |
Rocky Hill | $1,889 |
Roebling | $1,829 |
Roosevelt | $1,925 |
Roseland | $2,081 |
Roselle | $2,561 |
Roselle Park | $2,345 |
Rosemont | $1,721 |
Rosenhayn | $1,973 |
Rossmoor | $2,033 |
Rumson | $1,829 |
Runnemede | $2,009 |
Rutherford | $2,285 |
Saddle Brook | $2,249 |
Saddle River | $1,865 |
Salem | $1,889 |
Sayreville | $2,057 |
Schooleys Mountain | $1,757 |
Scotch Plains | $2,093 |
Sea Bright | $1,829 |
Sea Girt | $1,733 |
Sea Isle City | $1,793 |
Seabrook Farms | $1,973 |
Seaside Heights | $1,793 |
Seaside Park | $1,793 |
Secaucus | $2,273 |
Sergeantsville | $1,721 |
Sewaren | $2,093 |
Sewell | $1,889 |
Shark River Hills | $1,889 |
Shiloh | $1,973 |
Ship Bottom | $1,745 |
Short Hills | $2,045 |
Shrewsbury | $1,793 |
Sicklerville | $2,105 |
Silver Lake | $2,501 |
Silver Ridge | $1,877 |
Singac | $2,225 |
Six Mile Run | $2,057 |
Skillman | $1,853 |
Smithville | $2,177 |
Society Hill | $1,973 |
Somerdale | $1,913 |
Somers Point | $2,069 |
Somerset | $2,057 |
Somerville | $1,805 |
South Amboy | $2,057 |
South Bound Brook | $1,961 |
South Dennis | $1,925 |
South Hackensack | $2,501 |
South Orange | $2,357 |
South Plainfield | $2,057 |
South River | $2,021 |
South Seaville | $1,913 |
South Toms River | $1,877 |
Sparta | $1,781 |
Spotswood | $1,937 |
Spring Lake | $1,757 |
Spring Lake Heights | $1,757 |
Springdale | $1,913 |
Springfield | $1,985 |
Stanhope | $1,793 |
Stanton | $1,805 |
Stewartsville | $1,757 |
Stirling | $1,757 |
Stockholm | $1,829 |
Stockton | $1,721 |
Stone Harbor | $1,793 |
Stratford | $1,913 |
Strathmere | $1,829 |
Strathmore | $2,021 |
Succasunna | $1,757 |
Summit | $1,841 |
Surf City | $1,745 |
Sussex | $1,853 |
Swartswood | $1,769 |
Swedesboro | $1,853 |
Teaneck | $2,393 |
Ten Mile Run | $1,793 |
Tenafly | $2,225 |
Tennent | $1,901 |
Teterboro | $2,189 |
Thorofare | $1,877 |
Three Bridges | $1,757 |
Tinton Falls | $1,865 |
Titusville | $1,781 |
Toms River | $1,889 |
Totowa | $2,225 |
Towaco | $1,913 |
Township Of Washington | $1,925 |
Tranquility | $1,769 |
Trenton | $2,141 |
Tuckahoe | $1,829 |
Tuckerton | $1,745 |
Turnersville | $1,961 |
Twin Rivers | $1,913 |
Union | $2,513 |
Union Beach | $1,901 |
Union City | $2,693 |
Upper Montclair | $2,177 |
Upper Pohatcong | $1,757 |
Upper Saddle River | $1,865 |
Vauxhall | $2,513 |
Ventnor City | $2,153 |
Vernon | $1,889 |
Vernon Center | $1,889 |
Vernon Valley | $1,889 |
Verona | $2,021 |
Victory Gardens | $1,829 |
Victory Lakes | $2,105 |
Vienna | $1,769 |
Villas | $1,829 |
Vincentown | $1,841 |
Vineland | $2,033 |
Vista Center | $2,021 |
Voorhees | $1,997 |
Waldwick | $1,853 |
Wallington | $2,453 |
Wallpack Center | $1,793 |
Wanamassa | $1,913 |
Wanaque | $1,853 |
Waretown | $1,805 |
Warren | $1,841 |
Washington | $1,757 |
Watchung | $2,189 |
Waterford Works | $2,021 |
Wayne | $2,165 |
Weehawken | $2,525 |
Wenonah | $1,889 |
West Belmar | $1,733 |
West Berlin | $2,057 |
West Cape May | $1,793 |
West Creek | $1,745 |
West Freehold | $2,009 |
West Long Branch | $1,793 |
West Milford | $1,853 |
West New York | $2,693 |
West Orange | $2,297 |
West Wildwood | $1,793 |
Westfield | $1,961 |
Westville | $2,021 |
Westwood | $1,949 |
Wharton | $1,793 |
Whippany | $1,733 |
White Horse | $2,069 |
White Meadow Lake | $1,793 |
Whitehouse | $1,757 |
Whitehouse Station | $1,757 |
Whitesboro | $1,829 |
Whittingham | $2,033 |
Wickatunk | $1,877 |
Wildwood | $1,793 |
Wildwood Crest | $1,793 |
Williamstown | $2,105 |
Willingboro | $2,009 |
Windsor | $1,817 |
Winslow | $2,141 |
Wood Ridge | $2,285 |
Wood-Ridge | $2,285 |
Woodbine | $1,925 |
Woodbridge | $2,093 |
Woodbury | $1,889 |
Woodbury Heights | $1,877 |
Woodcliff Lake | $1,877 |
Woodland Park | $2,225 |
Woodlynne | $1,889 |
Woodstown | $1,913 |
Wrightstown | $1,805 |
Wyckoff | $1,877 |
Yardville | $1,781 |
Yorketown | $2,009 |
Zarephath | $2,081 |
Cheap auto insurance in New Jersey with bad credit
Company | Avg. Annual Premium |
---|---|
New Jersey Manufacturers | $2,177 |
NJM | $1,558 |
Amica Mutual | $1,596 |
Progressive | $1,818 |
Plymouth Rock Assurance | $1,976 |
Mercury | $2,648 |
Travelers | $2,647 |
Allstate | $2,784 |
Foremost | $2,838 |
State Farm | $2,882 |
Hanover | $9,225 |
Car insurance price trends in New Jersey
Year | Avg. Annual Premium — New Jersey | Yearly Change — New Jersey | Avg. Annual Premium — US | Yearly Change — US |
---|---|---|---|---|
2021 | $1,594 | $96 | $1,539 | $56 |
2020 | $1,508 | $89 | $1,493 | $71 |
2019 | $1,429 | -$371 | $1,554 | $33 |
2018 | $1,790 | -$26 | $1,531 | $94 |
2017 | $1,806 | $244 | $1,447 | $79 |
2016 | $1,572 | -$323 | $1,378 | $98 |
2015 | $1,905 | $226 | $1,290 | $61 |
2014 | $1,679 | $165 | $1,239 | $44 |
2013 | $1,524 | -$73 | $1,205 | -$90 |
2012 | $1,587 | $333 | $1,286 | $92 |
Although New Jersey is a small state, it has the highest population density. With so many people on the road, it's no surprise that car insurance prices in New Jersey are higher than average. It would be best if you didn't have to do much digging to find a good bargain on car insurance in the Garden State.
To assist you in finding the best rates, we compared 13 car insurance companies in New Jersey.
Our top recommendation for car insurance in New Jersey is NJM, which has some of the lowest prices in the state. Progressive, State Farm, and NJM are also solid choices for most drivers.
Remember that your situation will heavily influence your auto insurance prices in New Jersey and how a business evaluates certain aspects. Comparing car insurance quotes from different car insurance companies is the easiest approach to obtain the best rates.
The average car insurance cost in the state of NJ is $1710 each year for full auto insurance coverage and $735 each year for minimum car insurance coverage. This is similar to the national average of $1752 a year for full coverage. However, the total amount you pay for automobile insurance in New Jersey depends on various factors, such as age, zip code, car model, and car safety features. Some of the cheapest auto insurance in New Jersey are NJM, Amica.
New Jersey is one of the smallest but heavily populated states with high living costs. Since New Jersey is mainly urban, the state has a high population density and more cars on the road. This means that auto accidents are more likely, which is expressed in higher-than-average car insurance rates.
The accident rate has been gradually rising since 2004. As a result, the car insurance quotes of NJ will be on the higher side. Car insurance will cover you if you do get in the event of an accident.
Most New Jersey car insurance companies provide discounts that can help drivers save money on their annual premiums. Typical discounts include:
Every provider offers a different set of discounts, which is why it is essential to shop around and see which savings you are eligible for. And if you get an expensive quote from a particular provider, you can be able to save a large amount of money by taking advantage of discounts.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The cheapest full-service automobile insurance provider in New Jersey is NJM, where coverage costs an average of $1349 a year—or $112 per month. Alternatively, drivers can find inexpensive coverage from State Farm, all of which provide coverage for less than $2000 a year.
The total cost of complete coverage in New Jersey is $2809 a year or $234 per month—more than three times the cost of a liability-only policy. The cheapest full-service automobile insurance provider in New Jersey is NJM, where coverage costs an average of $1349 a year—or $112 per month.
New Jersey is one of the smallest states but with a dense population and high living costs. As a result, New Jersey drivers pay some of the nation's highest auto auto insurance rates. The average cost of automobile insurance in New Jersey is $1592 per year—3 percent higher than the national average. Your automobile insurance rates are determined by factors other than state lines. Car insurance rates price based on various variables, such as marital status, driving background, credit rating, gender, and age.
The 5 Best Auto Insurance Companies in New Jersey are
Follow the following steps to get a lower car insurance premium:
The minimum cost of New Jersey automobile insurance coverage is $15000/$30000/$5000. In the event of a covered accident, the bodily injury is capped at $15000 per person, with a total allowance of $30,000 per accident.
Car insurance is mandatory in the state of New Jersey. The form and cost of coverage can differ significantly. The Auto Insurance Cost Reduction Act requires that a basic policy is made available to all drivers.
Yes, New Jersey is a no-fault state. When you are in an accident, the insurance provider must pay for damages and medical costs, regardless of who caused the accident. There are advantages of living in a no-fault jurisdiction. However, all drivers in New Jersey are allowed to bring personal injury insurance, referred to as no-fault coverage, which helps pay for medical costs if you get involved in an accident. When looking for auto insurance, note that personal injury cover is likely to be applied to the basic car insurance policy.
If you have accident and non-collision coverage (comprehensive) for at least one of the vehicles on your policy, you are eligible for car rental coverage. The same deductible applies to your rental car.
Your history of automobile infringements can affect your premium. The point value applied to any particular offense varies depending on your state, but even zero-point tickets are infringements of the motor vehicle.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
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