$61/mo
$81/mo
$83/mo
The car 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. 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.
The car owners in New Jersey pays on an average of $1238 for six months for car insurance, which is more than the national average. New Jersey Manufacturers offers cheap and the best rates in New Jersey.
New Jersey Manufacturers offers the cheapest liability coverage in New Jersey at $61/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in New Jersey ↓
New Jersey Manufacturers provides cheap full insurance coverage in New Jersey at $129/month, offering excellent value.
Read about the cheapest full coverage companies in New Jersey ↓
New Jersey Skylands Insurance is the cheapest option after an at-fault accident in New Jersey at $105 per month.
Read more about best car insurance companies after at-fault accident in New Jersey ↓
Plymouth Rock was named the best overall by J.D. Power and AM Best, making it a top pick among New Jersey’s best car insurers.
Check out the full list of the best car insurance companies in New Jersey ↓For drivers looking to meet New Jersey minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in New Jersey is widely available from providers like New Jersey Manufacturers at $61/month. If you opt for Farmers you will have to pay at least $171/month for your car insurance premium, which is the highest in New Jersey.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New Jersey Manufacturers | $356 | $61 |
| Plymouth Rock | $481 | $81 |
| NJM | $493 | $83 |
| New Jersey Skylands Insurance | $523 | $87 |
| Amica Mutual | $535 | $91 |
| Amica | $612 | $102 |
| Progressive | $612 | $103 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis New Jersey Manufacturers offers the cheapest car insurance for full coverage in New Jersey at $129 per month. On the other hand Farmers offers the most expensive rate at $344 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New Jersey Manufacturers | $772 | $129 |
| New Jersey Skylands Insurance | $933 | $159 |
| NJM | $944 | $159 |
| Plymouth Rock | $1028 | $173 |
| Progressive | $1081 | $182 |
| Travelers | $1152 | $194 |
| Amica Mutual | $1307 | $218 |
Get Your Car Insurance Quote in New Jersey Instantly!
Plymouth Rock stands out as the best car insurance provider in New Jersey, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, NJM is a top pick for drivers seeking value and reliability.
Plymouth Rock offers a six-month premium of $410, which amounts to approximately $68 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of NJM is $446, which is higher than Plymouth Rock's by $36. Their higher monthly premium is, due to their strict policies on traffic violations.
Travelers's premium is $618, which is significantly more expensive than NJM's by $172. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Plymouth Rock | $410 | $68 |
| NJM | $446 | $76 |
| Travelers | $618 | $103 |
| Allstate | $683 | $116 |
| Progressive | $707 | $118 |
| New Jersey Skylands Insurance | $731 | $124 |
Teens and young drivers in New Jersey often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in New Jersey is
$2869 for 6 months, which is more than the national average.
New Jersey Skylands Insurance is the best options for cheap
car insurance for young drivers in New Jersey.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New Jersey Skylands Insurance | $535 | $91 |
| NJM | $1069 | $180 |
| New Jersey Manufacturers | $1770 | $301 |
| Travelers | $2495 | $420 |
| Selective | $2703 | $455 |
| Plymouth Rock | $2804 | $472 |
| Amica Mutual | $3130 | $532 |
Car insurance rates in New Jersey have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the New Jersey rose by $290 in Jan compared to $246 of Dec. In other words, there has been an increase by $44 when you compare Jan and Dec.
The average cost of liability insurance in the New Jersey rose to $97 in Jan, compared to $86 in Dec. This represents an increase of $11 when comparing Jan and Dec.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that New Jersey Skylands Insurance gives you the cheapest car insurance rate after an at-fault accident in New Jersey at $105/month. On the other hand Farmers is the most expensive option at $665/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New Jersey Skylands Insurance | $630 | $105 |
| NJM | $671 | $113 |
| New Jersey Manufacturers | $814 | $136 |
| Plymouth Rock | $849 | $143 |
| Amica Mutual | $1010 | $170 |
| Progressive | $1420 | $239 |
| Selective | $1925 | $324 |
If you are living in New Jersey you should opt for New Jersey Manufacturers. New Jersey Manufacturers ranks as number 1 across various factors like customer satisfaction, claims and rates.
In New Jersey, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
New Jersey may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in New Jersey after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1158 | $193 |
| One Med/PIP claim | $1164 | $198 |
| Not-at-fault accident | $1218 | $203 |
| One comp claim | $1230 | $209 |
| Two Med/PIP claims | $1236 | $206 |
| Speeding 6 - 10 MPH over limit | $1331 | $226 |
| Speeding 11 - 15 MPH over limit | $1337 | $223 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in New Jersey is Plymouth Rock at $123 per month. State Farm at $919 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Plymouth Rock | $731 | $123 |
| Foremost | $802 | $134 |
| NJM | $808 | $136 |
| Mercury | $927 | $154 |
| New Jersey Manufacturers | $998 | $170 |
| Progressive | $1016 | $171 |
| Travelers | $1533 | $258 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Toms River | $1236 | $208 |
| Bay Head | $1247 | $208 |
| Brielle | $1247 | $212 |
| Manasquan | $1247 | $208 |
| Mantoloking | $1247 | $212 |
| Normandy Beach | $1247 | $208 |
| Point Pleasant | $1247 | $212 |
| Point Pleasant Beach | $1247 | $208 |
| Sea Girt | $1247 | $212 |
| Belmar | $1253 | $209 |
| Lake Como | $1253 | $213 |
| West Belmar | $1253 | $209 |
