Car Insurance for Good Drivers in New Jersey

The Zebra
July 15, 2019

Auto insurance for good drivers in New Jersey

Many of the factors insurance companies use to set your car insurance rates lie beyond your control: your age, location, and gender are typical rating factors over which you don’t have much say. There are, however, a few factors you can more easily alter in pursuit of lower rates.

If you want to minimize your insurance expenditure, consider keeping your driving record squeaky clean, your credit score high, and your monthly mileage low. Insurers provide price cuts to customers who present relatively little risk, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in New Jersey.

Car insurance rates for drivers with no citations in New Jersey

One way to reduce your auto insurance rates is to steer clear of legal issues. Car insurance companies see good drivers as less risky customers and in turn, charge them lower premiums. Staying on the good side of the law is a great way to cut your costs.

If you’ve steered clear of violations in recent years, start your insurance search with New Jersey Manufacturers, with an average annual rate of $1,381. That sums to $-276less than the average car insurance rate for citation-free drivers in New Jersey.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN NEW JERSEY
Insurance CompanyAvg. Annual Auto Insurance Rate
New Jersey Manufacturers$1,381
GEICO$1,496
State Farm$1,680
Progressive$1,882
Penn National$1,940
Mercury$2,140
Allstate$2,394
Encompass$2,477

Auto insurance rates for drivers with above-average credit in New Jersey

Auto insurance companies reward clients who maintain a solid credit profile. If you have a credit score in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.

If your credit score sits within the "good" tier, your best option for car insurance might be New Jersey Manufacturers, offering average rates of $1,381. If your credit score is even better (in the "excellent" range), GEICO could be a good company with which to start your search. GEICO's rates for clients with credit scores of 800 and up are $282 per year less than the typical car insurance rate for drivers with exceptional credit in New Jersey.

Find below a breakdown of auto insurance rates in New Jersey for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN NEW JERSEY
Insurance CompanyAvg. Annual Auto Insurance Rate
New Jersey Manufacturers$1,381
GEICO$1,496
State Farm$1,680
Progressive$1,882
Penn National$1,940
Mercury$2,140
Allstate$2,394
Encompass$2,477

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN NEW JERSEY
Insurance CompanyAvg. Annual Auto Insurance Rate
New Jersey Manufacturers$1,259
GEICO$1,361
State Farm$1,501
Progressive$1,638
Penn National$1,750
Mercury$2,013
Metropolitan$2,362
Allstate$2,379

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN NEW JERSEY
Insurance CompanyAvg. Annual Auto Insurance Rate
GEICO$1,091
New Jersey Manufacturers$1,191
State Farm$1,346
Penn National$1,352
Progressive$1,389
Hanover$1,620
Mercury$1,873
Metropolitan$2,010

Compare rates from top companies!

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Car insurance for occasional drivers in New Jersey

The more infrequently you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies use to charge infrequent drivers less. If you drive less than 7,500 miles per year, you could receive a car insurance price cut. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're a New Jersey driver who drives only infrequently, consider New Jersey Manufacturers, which offers average annual savings of $126 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN NEW JERSEY
Insurance CompanyAvg. Annual Auto Insurance Rate
New Jersey Manufacturers$1,231
GEICO$1,433
State Farm$1,513
Penn National$1,696
Progressive$1,882
Mercury$2,140
Allstate$2,364
Encompass$2,477

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Insurance rates for good drivers in New Jersey — in major cities

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurance companies price policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.

Find below a breakdown of auto insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Trenton$2,246$2,246$2,068$1,843$2,053
Jersey city$2,452$2,452$2,258$2,018$2,205
Elizabeth$2,849$2,849$2,616$2,328$2,570
Paterson$2,933$2,933$2,692$2,394$2,661
Newark$3,097$3,097$2,843$2,527$2,803

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