Compare the best rates from 25 car insurance companies in New Jersey.
Auto insurance in New Jersey costs approximately $133 per month — 3% more than the national average. Learn more about average insurance rates in New Jersey for a variety of driving profiles.
Compare quotes from over 20 insurance companies that provide coverage throughout New Jersey. Enter your ZIP code below to get started.
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. New Jersey drivers without a recent speeding ticket typically save 37% on their car insurance premiums — exceeding the 25% national average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$591||37.12%|
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.
|Age||Annual Average Premium|
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.
Compare local and national insurance companies' financial stability and claims satisfaction levels to better understand the level of service you'll receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — measures an insurance company's financial stability and ability to meet its contractual and policy obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Cal Casualty||Not Rated||Excellent|
|Penn National||Not Rated||Excellent|
The minimum insurance requirement in New Jersey is $15,000 Bodily Injury per person, $30,000 Bodily Injury per accident, and $5,000 Property Damage per accident.
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.
Examine average premiums for basic and comprehensive car insurance options below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In New Jersey, the state minimum coverage requirements are as follows:
In New Jersey, you can select one of two common policy options:
New Jersey has a 10-year lookback period for DUI. Multiple offenses within this time period result in harsher penalties and fines.
In addition to penalties corresponding to the number of previous DUI convictions, any DUI offense in New Jersey includes the following surcharges:
If you receive a ticket or citation, your auto insurance rates will probably rise. By how much depends on the violation, your insurance company's pricing strategy, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at the average car insurance rates in New Jersey after some common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,491||56%||$899|
|Refused Breathalyzer/Chemical Test||$2,772||74%||$1,180|
|Driving with a Suspended License||$2,797||76%||$1,205|
|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|
|Following Too Closely||$2,304||45%||$712|
|Failure to Stop at a Red Light||$2,156||35%||$564|
|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|
|Driving with Expired Registration||$1,917||20%||$325|
|Failure to Show Documents||$1,917||20%||$325|
|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|
For our average user profile, Travelers ($584) and Cal Casualty ($723) offer the cheapest car insurance in New Jersey.
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.
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.
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|