Before choosing liability-only coverage, think about whether it offers enough protection for your needs. Remember, it’s cheaper because it only covers damage to others, not your vehicle. The table below shows monthly and 6-month quotes from top New Jersey insurers.
Car Insurance in New Jersey
- GEICO has the cheapest liability at $72 per month.
- Travelers is the cheapest full coverage at $142 per month.
Enter your ZIP code to start your search for New Jersey car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in New Jersey at the right price.
About The Zebra's recommendations
Reviewed By Mark Friedlander
Edited By Kristine Lee
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in New Jersey
New Jersey drivers face higher-than-average car insurance costs, with full coverage averaging $1,451 for a 6-month policy—about 25% more expensive than the national average.[1]
Cheapest full coverage in NJ
- Travelers has the cheapest full coverage in New Jersey at $142/mo.
Cheapest liability coverage in NJ
- GEICO has the cheapest liability coverage in New Jersey at $72/mo.
Best customer service in NJ
- NJM Insurance Co. scored 721 (9.9% above average) in JD Power's latest study — the highest in New Jersey.[3]
Cheap full coverage insurance in New Jersey
In 2026, full coverage insurance in New Jersey averages around $1,451 for a 6-month policy. It’s a popular choice because it offers more complete protection, covering both your vehicle and damages to others. In fact, 61% of The Zebra's New Jersey customers request quotes for full coverage insurance.
While it’s more expensive than liability-only coverage, you can still find a fair price by comparing rates.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $850 | $142 |
| New Jersey Manufacturers | $927 | $155 |
| GEICO | $1,074 | $179 |
| Progressive | $1,125 | $188 |
| Allstate | $1,451 | $242 |
| Amica Mutual | $1,526 | $254 |
| State Farm | $1,545 | $257 |
| Encompass | $2,065 | $344 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Zebra tip: Is New Jersey's Basic Policy enough?
New Jersey’s Basic Plan does not offer enough protection for most people. It leaves your assets and wages at risk due to its lack of liability coverage and severe restrictions on suing an at-fault driver.
Think of the Basic Plan as a stepping stone, not a long-term solution. As your financial situation allows, upgrade to the Standard Policy for better protection. From there, increase your liability limits and add UM/UIM coverage. Those with newer or more valuable vehicles should then prioritize adding comprehensive and collision coverage to protect them.
Learn more about car insurance requirements in the state of New Jersey with our helpful guide.
Renata Balasco, Insurance writer with 5+ years experience
Cheap liability insurance in New Jersey
Liability insurance in New Jersey costs $72/mo. Only 39% of our New Jersey customers choose liability-only coverage.[2]
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $431 | $72 |
| New Jersey Manufacturers | $439 | $73 |
| Progressive | $494 | $82 |
| Travelers | $504 | $84 |
| Allstate | $846 | $141 |
| State Farm | $883 | $147 |
| Amica Mutual | $920 | $153 |
| Encompass | $1,510 | $252 |
Source: The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Travelers | $504 | $850 |
| State Farm | $883 | $1,545 |
| Selective Insurance | $564 | $1,319 |
| Progressive | $494 | $1,125 |
| Penn National | $648 | $1,324 |
| New Jersey Manufacturers | $439 | $927 |
| MetLife | $878 | $1,227 |
| Hanover | $1,093 | $3,174 |
| GEICO | $431 | $1,074 |
| Encompass | $1,510 | $2,065 |
| Amica Mutual | $920 | $1,526 |
| Allstate | $846 | $1,451 |
Source: The Zebra
What are the best car insurance companies in New Jersey?
We’ve named NJM Insurance Co. as New Jersey's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
NJM Insurance Group
Avg. Cost
The Zebra's Overall Rating
Customer Service
Claims Experience
Digital Experience
Trust & Reliability
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Financial Strength
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Local insights
Drivers near you in New Jersey weigh in
"NJM is reasonable for really good coverage. I dropped progressive because of a rate hike"
-Reddit user on r/New Jersey
"Always shop around but give Plymouth Rock a look."
-Reddit user on r/New Jersey
Compare car insurance rates from the best companies in New Jersey.
Car insurance in popular New Jersey cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Have a look at the table below to see average car insurance costs in some of New Jersey's biggest cities.
Source: The Zebra
Updating data...
Source: The Zebra
Insider knowledge, trusted guidance
Alejandro joined The Zebra in 2019 with over a decade of insurance experience. He began his career as a bilingual sales agent at Progressive Insuranc…
Credentials
- Licensed Insurance Agent — Property and Casualty
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Katie has worked in the insurance industry for more than 12 years. She started her career in claims with Allstate Insurance, but with a background in…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Licensed Insurance Agent — Life, Accident and Health
- Series 6 License (Investment Company/Variable Contracts Products Limited Representative)
- Series 63 License (Uniform Securities Agent)
- Series 26 License (Investment Company and Variable Contracts Products Principal)
New Jersey auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you pay. If you have a recent at-fault accident on your record, insurance companies will likely determine that you pose a higher level of risk as a customer. An at-fault accident could see your car insurance rates increase substantially.
Source: The Zebra
Source: The Zebra
The Zebra's guide to New Jersey car insurance laws for high-risk drivers
New Jersey DWI laws
In New Jersey, a DWI offense can increase your annual car insurance premium significantly. Finding affordable auto insurance in the wake of a DWI violation isn’t simple. In fact, a DWI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in New Jersey
If you're convicted of a DUI or DWI violation in New Jersey, take time to consider each of your insurance choices carefully. Auto insurance premiums following a DUI or DWI can vary substantially from one company to another.
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New Jersey Manufacturers | $1,169 | $195 |
| Progressive | $1,218 | $203 |
| GEICO | $1,458 | $243 |
| Travelers | $1,564 | $261 |
| Allstate | $2,023 | $337 |
| Amica Mutual | $5,914 | $986 |
| State Farm | $5,965 | $994 |
| Encompass | $7,694 | $1,282 |
Source: The Zebra
New Jersey SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI or DWI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of New Jersey to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in New Jersey might require some research, but it could pay off in the end.
How to acquire an SR-22 in New Jersey
If you have auto insurance
If you already have car insurance, requesting an SR-22 certificate should be simple. Just call your insurance company and request that the company file a SR-22 request for you. If your current insurer isn’t willing to request a certificate, you should shop for a new policy with a new insurance company.
Uninsured drivers
When applying for car insurance, you might be saddled with an up-front fee for the prospective insurer to file an SR-22 request form to cover your more risky driving profile. Needing an SR-22 may keep you from buying insurance from some companies, while others will sell you a policy.
For drivers without a vehicle
Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it harder to earn an SR-22, as you will need to show proof of insurance to receive the certificate. If this is the case, get a non-owner’s insurance policy before asking for an SR-22. Non-owner auto insurance is often less expensive than traditional coverage since it doesn't insure against physical damage to your automobile.
Find an affordable policy in New Jersey in minutes!
How have car insurance costs in New Jersey changed?
Car insurance costs in New Jersey have seen fluctuations. Hurricanes, uninsured drivers and general rising cost of doing business have all caused the average premium in the US and NJ to increase over the years. Below shows the average annual premium since 2015 for the state of New Jersey.
| Year | Avg. Annual Premium — New Jersey |
|---|---|
| 2026 | $2,902 |
| 2025 | $2,661 |
| 2024 | $2,030 |
| 2023 | $1,639 |
| 2022 | $2,043 |
| 2021 | $1,584 |
| 2020 | $1,498 |
| 2019 | $1,419 |
| 2018 | $1,780 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
New Jersey car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding New Jersey auto insurance.
Sources
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 U.S. Auto Insurance Study. J.D. Power
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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 editorial 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.
