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Why Compare Car Insurance Rates in New Jersey:

  • On average, people who compare rates save about $970 a year on car insurance
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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.

Minimum Required Auto Insurance Coverage in New Jersey

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

Cheapest Car Insurance in New Jersey for Minimum Required Coverage

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.

State Farm has the cheapest minimum coverage car insurance quotes in New Jersey, charging an average of $432 per year. State Farm's minimum coverage policies are half the statewide average price.

Drivers can also get cheap auto insurance in New Jersey with State Farm. Its average annual car insurance premium is $486, or around $40 per month.

Do I Need More Than the Minimum Required State Coverage in New Jersey?

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 Car Insurance Laws

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.

New Jersey Auto Insurance Requirements

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.

See what you could save on auto insurance

PIP In New Jersey

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:

  • If you cannot work owing to injuries sustained in an accident, you will be compensated for your lost wages.
  • Because of your injuries, you cannot undertake services such as house cleaning or child care.
  • Funeral costs due to accidents.
  • As a cash payout, a little death benefit.

Auto Insurance Coverage Types

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.

Proof of Auto Insurance in New Jersey

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.

Average Cost of Auto Insurance Companies in New Jersey

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.

Cheapest car insurance quotes for New Jersey drivers

In New Jersey, State Farm is the cheapest full coverage auto insurance company, with coverage costing an average of $1081 per year — or $94 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 $1,229
New Jersey Manufacturers $1,232
State Farm $1,367
Metlife $1414
Palisades Group $1,496
Statewide Average $1,610
Travelers $1,616
Amica Mutual $1,844
Allstate $1,956
Mercury $2137
Esurance $2302
Farmers Insurance $2,907

Cheap car insurance in New Jersey for young drivers

New Jersey Manufacturers offers basic coverage for young drivers in New Jersey for $963 per year, 60% 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 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $5,450 $6,609
Farmers Insurance $9,041 $10,038
New Jersey Manufacturers $2,859 $3,096
Palisades Group $8,514 $9,390
Progressive $8,530 $9,393
State Farm $3,280 $4,153
Travelers $4,064 $4,630
Statewide Average $5,478 $6,178

Cheap car insurance for New Jersey drivers with a speeding ticket

New Jersey drivers with a single speeding ticket may be able to discover the cheapest full coverage auto insurance quotes with State Farm, which offers coverage for $1367 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 $1575 per year on average, $205 more than State Farm. 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 $1,499
Plymouth Rock $1,575
Palisades Group $1,806
Statewide Average $1,881
Amica Mutual $1947
Metlife $2127
Travelers $2,248
Allstate $2,359
Esurance $3042
Farmers Insurance $3,199

Cheap auto insurance for New Jersey drivers after a car accident

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 – 50% 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 $2,036
Amica Mutual $2,072
State Farm $2,206
Plymouth Rock $2,367
Statewide Average $2,626
Travelers $2,633
Allstate $3,189
Farmers Insurance $6,602

Cheap car insurance quotes for New Jersey drivers with a DUI

Drivers who have been cited for a DUI in New Jersey can still get cheap car insurance from Progressive. After a DUI, car insurance from Progressive costs $1408 – 21% 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 $2019
Travelers $2,516
Statewide Average $2,659
Allstate $2,789
Esurance $2946
Mercury $3101
Farmers Insurance $3,689
Metlife $4148
State Farm $5,152
Amica Mutual $6745

Cheap car insurance for married New Jersey drivers

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

Cheap full coverage car insurance quotes for young drivers with an accident history

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

Compare car insurance rates in top cities

CityAverage Annual Cost
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
Jersey City$2,537
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
Newark$2,945
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
Allstate $3,019
State Farm $3,028
Travelers $3,140
Amica Mutual $3,267
Progressive $3,445

New Jersey auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $2,053 1% $1
One Med/PIP claim $2,067 2% $23
Not-at-fault accident $2,150 6% $106
One comp claim $2,208 9% $165
Two Med/PIP claims $2,259 11% $215
Failure to show documents $2,285 12% $242
Speeding 6 - 10 MPH over limit $2,311 14% $268
Speeding 11 - 15 MPH over limit $2,321 14% $278
Driving without lights $2,357 16% $314
Child safety restraint $2,401 18% $358
Failure to wear a seat belt $2,401 18% $358
At-fault accident - less than $1000 $2,438 20% $395
Driving with expired registration $2,447 20% $404
Driving too slowly $2,479 22% $436
Two comp claims $2,504 23% $461
Wrong way/wrong lane $2,527 24% $484
Failure to yield $2,540 25% $497
Failure to stop at a red light $2,553 25% $509
Illegal turn $2,603 28% $560
Cell phone violation $2,614 28% $571
Texting while driving $2,614 28% $571
Speeding 16 - 20 MPH over limit $2,649 30% $606
Speeding in school zone $2,678 32% $635
Operating a vehicle without permission $2,712 33% $669
Following too closely $2,735 34% $692
Improper passing $2,743 35% $700
Passing school bus $2,837 38% $794
In 65 MPH zone $2,862 40% $819
Speeding 21 - 25 MPH over limit $2,926 44% $883
At-fault accident - $1000-$2000 $3,082 51% $1,039
At-fault accident - greater than $2000 $3,102 52% $1,059
Open container $3,287 61% $1,244
Reckless driving $3,628 78% $1,585
Racing $3,785 86% $1,742
DUI $3,982 95% $1,938
Refusal to submit to a chemical test $3,982 95% $1,938
Leaving scene of an accident/hit and run $4,039 98% $1,996
Driving with a suspended license $4,126 102% $2,093

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

See what you could save on auto insurance

How to find the best car insurance in New Jersey

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 cost of car insurance in New Jersey

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.

Reasons Why Auto Insurance Costs More in New Jersey

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.

How to Get Discounts on Car Insurance in New Jersey

Most New Jersey car insurance companies provide discounts that can help drivers save money on their annual premiums. Typical discounts include:

  • Getting NJ auto insurance online discount
  • Good driver discount
  • Clean driving record discount
  • Bundling policies
  • Multiple vehicles car insurance discount
  • Having an anti-theft system built
  • New car discount
  • Good student discount

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.

Auto Insurance Data Methodology

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

Frequently Asked Questions

Who has the cheapest car insurance in New Jersey?

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.

What is the average cost of car insurance in New Jersey?

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.

Is car insurance expensive in New Jersey?

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 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.

What is the best car insurance in NJ?

The 5 Best Auto Insurance Companies in New Jersey are

  • NJM Insurance: Best for low rates
  • State Farm: Best for customer satisfaction
  • Allstate: Best for coverage options
  • Progressive: Best for high-risk drivers

How can I lower my car insurance in NJ?

Follow the following steps to get a lower car insurance premium:

  • Driving safer and less frequent
  • Compare insurance rates before you buy a car
  • Club you various policies together
  • Choose higher deductible rates
  • Maintain a good history of credit

What is the minimum auto insurance coverage in New Jersey?

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.

Is car insurance mandatory in NJ?

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.

Is New Jersey a no-fault state?

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.

Do I have insurance coverage when I rent a car in New Jersey?

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.

Does having a zero-point ticket count as motor vehicle violations?

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.

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Learn more by city and state for car insurance




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