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?
RankCompany NameAvg. Annual Premium
1Travelers$1,168
2Cal Casualty$1,466
3NJM$1,558
4State Farm$1,759
5Penn National$1,776
6MetLife$1,971
7Progressive$2,003
8Mercury$2,332
9Allstate$2,656
10Hanover$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$59137.12%
No Accidents$77648.74%
Good Credit$1,32460%

 

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
AgeAnnual 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 FactorAnnual Rate% Increase
At-Fault Accident$2,36849%
DUI$2,77274%
Speeding Violation$2,18337%

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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)

AllstateAbove averageAverageSuperior4.3 / 5
Cal CasualtyN/AN/AGoodN/A
EsuranceAverageN/ASuperiorN/A
MercuryPoorPoorExcellentN/A
MetLifeExcellentBelow averageExcellentN/A
Penn NationalN/AN/AExcellentN/A
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
The HartfordExcellentAbove averageExcellentN/A
TravelersBelow averageBelow averageSuperior4.3 / 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,49156%$899
Refused Breathalyzer/Chemical Test$2,77274%$1,180
DUI$2,77274%$1,180
Racing$2,44854%$856
Reckless Driving$2,50657%$914
Driving with a Suspended License$2,79776%$1,205
At-Fault Accident$2,36849%$776
Driving with an Open Container$2,13534%$543
Operating a Vehicle Without Permission$2,27443%$682
Passing a School Bus$2,31145%$719
Improper Passing$2,20639%$614
Following Too Closely$2,30445%$712
Speeding$2,18337%$591
Failure to Stop at a Red Light$2,15635%$564
Illegal Turn$2,15936%$567
Driving Wrong Way/Wrong Lane$2,14235%$550
Failure to Yield$2,15635%$564
Speeding in a School Zone$1,95823%$366
Driving Too Slowly$1,95823%$366
Distracted Driving$2,14235%$550
Driving with Expired Registration$1,91720%$325
Failure to Show Documents$1,91720%$325
Not-at-Fault Accident$1,6745%$82
Failure to Use Child Safety Restraint$1,6997%$107
Failure to Wear a Seat Belt$1,6997%$107
Driving Without Lights$1,6997%$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.

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

 

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Ross Martin
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.