Cheap New Jersey Car Insurance

Compare the best rates from 8 car insurance companies in New Jersey.

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

Across the Garden State, there are 84,281 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

It's expensive to get car insurance in New Jersey!

Dang! New Jersey is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since New Jersey might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in New Jersey?
Rank Company Premium
1 21st Century $1,089
2 Travelers $1,168
3 New Jersey Manufacturers $1,284
4 Penn National $1,352
5 Palisades $1,368
6 Cal Casualty $1,466
7 The Hartford $1,506
8 Allstate $1,508
9 USAA $1,569
10 Mercury $1,619
11 Amica $1,850
12 Esurance $1,875
13 Progressive $1,900
14 MetLife $1,971
15 State Farm $2,204
16 GEICO $2,218
17 Encompass $2,350
18 Liberty Mutual $2,949
19 Hanover $3,948

Cheap Insurance for Good Drivers in New Jersey

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 24% on their car insurance premiums — far exceeding the 17% 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 $536 24.66%
No Accidents $821 33.41%
Good Credit $1,360 45.38%

Cheap 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 $4,704 per year — just a bit less than the nationwide teen driver average, but more than twice as much as a typical driver in New Jersey.

Age Annual Rate with Parents Annual Rate Alone
16 $3,129 $7,870
17 $3,129 $7,197
18 $3,159 $6,298
19 $3,100 $3,752

Cheap Car Insurance for Bad Drivers in New Jersey

The best way to minimize your auto insurance expenditure is to avoid at-fault accidents, speeding tickets, and DUIs. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in New Jersey, one of the states in which insurance companies penalize poor driving most severely. In fact, a single speeding ticket could raise your car insurance rates by 24% in New Jersey.

Rating Factor Annual Rate % Increase
At-Fault Accident $2,459 33.41%
DUI $2,465 33.57%
Speeding Violation $2,173 24.66%
Bad Credit $2,997 45.38%
Car Insurance Laws

State minimum insurance requirements in New Jersey

In New Jersey, the state minimum coverage requirements are as follows:
Liability
Uninsured/Underinsured Motorist
Personal Injury Protection
Right to Sue
Optional coverage in New Jersey (varies by carrier):

Liability coverage is legally required in New Jersey and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In New Jersey, the minimum is listed as 15/30/5 and explained below:

$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in New Jersey and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In New Jersey, the minimum is listed as 15/30/5 and explained below:

$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.

$30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

$5,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured/underinsured driver.

Personal Injury Protection (PIP) in New Jersey can be coordinated with your health insurance or is offered as a stand-alone coverage for drivers that do not carry health insurance. It is important to check with your health insurance provider as to how or if they provide coverage for injuries resulting from auto accidents. Work loss, death benefit, and funeral expenses are not required but can be added to PIP to broaden coverage for you and your passengers. Minimum PIP coverage in New Jersey is listed below:

$15,000 per person. This is the total that pays out for injuries suffered by anyone in your vehicle, including the driver, regardless of fault. Limits can be increased to better suit your needs.

The lawsuit options in New Jersey determine a driver’s ability to sue for pain and suffering resulting from an accident. Choosing the “limited” option restricts the policyholder and their household members’ right to sue for pain and suffering in an accident to extreme circumstances like death, permanent disfigurement, or loss of a body part in return for a lower premium. Selecting the “unlimited” option allows the policyholder to sue for pain and suffering regardless of the severity of the injuries. This is generally a much more expensive option.

New Jersey is a no fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top New Jersey Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in New Jersey.

Car Insurance FAQs

Are digital insurance cards accepted in New Jersey?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in New Jersey you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in New Jersey?

Uninsured Drivers in New Jersey
New Jersey

10%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 $2,547
2 East Orange $2,546
3 West New York $2,481
4 Paterson $2,424
5 Elizabeth $2,422
6 Union City $2,402
7 Passaic $2,348
8 Hoboken $2,330
9 Clifton $2,322
10 Kearny $2,312
11 Jersey City $2,299
12 Bayonne $2,229
13 Camden $2,177
14 Linden $2,142
15 Perth Amboy $2,123
16 Fort Lee $2,102
17 Atlantic City $2,065
18 Hackensack $1,960
19 Plainfield $1,937
20 Trenton $1,935
21 Sayreville $1,901
22 New Brunswick $1,894
23 Lakewood $1,837
24 Vineland $1,824
25 Toms River $1,708

Recent New Jersey Car Insurance Questions and Answers

How much is short term auto insurance for honda fit

Aug 02, 2018

How much would I pay for short term auto insurance running from 08/06/2018 to 09/30/2018? It’s for a 2011 Honda ...

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

Jul 29, 2018

So, I’m stuck on whether to file an accident claim or pay out of pocket. My insurance has already gone ...

Someone jumped into my car on purpose

May 22, 2018

Some kid jumped in front of a car while the light was green and got bumped with the car. Kid ...

Does roadside assistance cover people not on your policy

May 10, 2018

How can I get roadside insurance coverage that covers anyone who drives my car? Cover the car, any driver, not ...

Driving Laws

New Jersey Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for school bus drivers and Permit or Provisional Licenses
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities

164

Per Year in New Jersey
Annual DUI Arrests
New Jersey
24,313
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

New Jersey Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the New Jersey area, while also getting an insider view of the Garden State.

Prompt

So, New Jersey students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.