Cheap New Jersey Car Insurance

Find affordable auto insurance that works for you in New Jersey. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in New Jersey

Auto insurance in New Jersey costs approximately $133 per month — 3% more than the national average. Learn more about average insurance rates in New Jersey for a variety of driving profiles and discover the best affordable insurance companies in your state. 


 

Affordable insurance companies in New Jersey

What's the cheapest car insurance in New Jersey?
Rank Company Name Avg. Annual Premium
1 Travelers $1,168
2 Cal Casualty $1,466
3 NJM $1,558
4 State Farm $1,759
5 Penn National $1,776
6 MetLife $1,971
7 Progressive $2,003
8 Mercury $2,332
9 Allstate $2,656
10 Hanover $5,194

Compare quotes from the many insurance companies that provide coverage throughout New Jersey. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in New Jersey

Drivers with spotless driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. New Jersey drivers without a recent speeding ticket typically save 37% on their car insurance premiums — exceeding the 25% national average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

 

NEW JERSEY CAR INSURANCE AVERAGE SAVINGS FOR GOOD DRIVERS
Rating Factor $ Savings % Savings
No Traffic Tickets $591 37.12%
No Accidents $776 48.74%
Good Credit $1,324 60%

 

Cheap auto insurance for young drivers in New Jersey

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In New Jersey, the typical teen driver pays $5,686 per year — 13% more than the national teen driver average, and more than three times as much as a typical driver in New Jersey.

 

NEW JERSEY CAR INSURANCE RATES BY AGE GROUP
Age Annual Average Premium
16 $6,873
20s $2,133
30s $1,596

 

Cheap auto insurance for bad drivers in New Jersey

If you have a clean driving record in New Jersey — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 74% after a DUI, 49% after an at-fault accident, and 37% after a speeding ticket in New Jersey. 

NEW JERSEY CAR INSURANCE RATES BY VIOLATION
Rating Factor Annual Rate % Increase
At-Fault Accident $2,368 49%
DUI $2,772 74%
Speeding Violation $2,183 37%

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Top rated car insurance companies in New Jersey

Each auto insurance company highlights its cheap rates. But just like with any product, the cheapest choice isn't always the best idea. Considering the financial stakes, it's worth doing your homework to find the insurance policy that covers your vehicle completely after a collision. Find the best value, rather than settling for the most affordable car insurance you find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
Cal Casualty N/A N/A Good N/A
Esurance N/A N/A Superior N/A
Mercury N/A Poor Excellent N/A
MetLife N/A Below average Excellent N/A
Penn National N/A N/A Excellent N/A
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
The Hartford Excellent Above average Excellent N/A
Travelers Average Below average Superior 4.3 / 5

New Jersey auto insurance laws

In New Jersey, the state minimum coverage requirements are as follows:

Liability:

  • Bodily Injury $15,000 per person
  • Bodily Injury $30,000 per accident
  • Property Damage $5,000 per accident

In New Jersey, you can select one of two common policy options:

  • A standard policy, with typical Bodily Injury limits ($15,000/$30,000/$250,000/$500,000)
  • A basic policy, with optional Bodily Injury coverage up to $10,000

Uninsured/Underinsured Motorist:

  • Bodily Injury $15,000 per person
  • Bodily Injury $30,000 per accident
  • Property Damage $5,000

Personal Injury Protection:

  • $15,000 PIP coverage per person (Primary or Secondary to health coverage)

Right to Sue:

  • Limited or Unlimited

Optional coverage in New Jersey (varies by carrier):

  • Additional PIP
  • Extended Medical Benefits
  • Funeral Expense Coverage
  • Death Benefit Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Rental Car Reimbursement
  • Roadside Assistance/Towing and Labor

If you elect for the legal minimum coverage level in New Jersey, you'll owe an average of $820 annually. This is more expensive than the nationwide average by 32%. If you want better coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by car-versus-car collisions, theft, or weather conditions. Better auto insurance coverage comes at a cost: in New Jersey, a comprehensive policy with a $1,000 deductible costs $1,481, 81% more than liability-only coverage. For comprehensive insurance coverage with a $500 deductible, you can expect to pay 94% more than you would for basic liability-only coverage.

Find out more about New Jersey's car insurance rules. 

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How tickets change insurance rates in New Jersey

If you receive a ticket or citation, your auto insurance rates will probably rise. By how much depends on the violation, your insurance company's pricing strategy, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at the average car insurance rates in New Jersey after some common violations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,491 56% $899
Refused Breathalyzer/Chemical Test $2,772 74% $1,180
DUI $2,772 74% $1,180
Racing $2,448 54% $856
Reckless Driving $2,506 57% $914
Driving with a Suspended License $2,797 76% $1,205
At-Fault Accident $2,368 49% $776
Driving with an Open Container $2,135 34% $543
Operating a Vehicle Without Permission $2,274 43% $682
Passing a School Bus $2,311 45% $719
Improper Passing $2,206 39% $614
Following Too Closely $2,304 45% $712
Speeding $2,183 37% $591
Failure to Stop at a Red Light $2,156 35% $564
Illegal Turn $2,159 36% $567
Driving Wrong Way/Wrong Lane $2,142 35% $550
Failure to Yield $2,156 35% $564
Speeding in a School Zone $1,958 23% $366
Driving Too Slowly $1,958 23% $366
Distracted Driving $2,142 35% $550
Driving with Expired Registration $1,917 20% $325
Failure to Show Documents $1,917 20% $325
Not-at-Fault Accident $1,674 5% $82
Failure to Use Child Safety Restraint $1,699 7% $107
Failure to Wear a Seat Belt $1,699 7% $107
Driving Without Lights $1,699 7% $107

 

New Jersey car insurance FAQs

Who has the cheapest car insurance in New Jersey?

For our average user profile, Travelers ($584) and Cal Casualty ($723) offer the cheapest car insurance in New Jersey.

How much is car insurance per month in NJ?

Your monthly auto insurance premium may vary for many reasons. For a 30-year-old male driver in New Jersey, the average premium is $132 per month. Find your own monthly rate with us.

Is car insurance more expensive in New Jersey?

Car insurance is a bit more expensive in New Jersey than it is in the rest of the U.S. On average, drivers in New Jersey pay $195 more per year than the national average — a difference of about $16 per month.

How much does car insurance cost in New Jersey cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Toms River, New Jersey, and the most expensive in Newark, New Jersey.

Rank City Avg. Annual Premium
1 Newark $2,409
2 Paterson $2,337
3 Elizabeth $2,283
4 Clifton $2,017
5 Jersey City $2,006
6 Trenton $1,847
7 New Brunswick $1,716
8 Lakewood $1,711
9 Vineland $1,620
10 Toms River $1,476

 

RECENT QUESTIONS

Rate hike after fender-bender and cell-phone use ticket

There are a few things to consider here. First, getting a ticket for "use of cell phone" will be reported on her motor vehicle report (MVR).
Jun 25, 2018 Pine Beach, NJ

Does roadside assistance cover people not on your policy

I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
May 9, 2018 Jersey City, NJ

Should senior citizens carry collision insurance?

Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.
Aug 23, 2020 Somerset, NJ

Should I file a claim after I've been ticketed for an accident?

Based on the fact that you received a ticket for the accident, the accident will be listed on your motor vehicle report (MVR) regardless if you file a claim or not. Having the accident on MVR means that your insurance rates will be impacted even if you pay out of pocket for the accident.
Jul 28, 2018 Bloomfield, NJ

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.