As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Don’t let its small size fool you. The “Garden State” is big on a lot of things. Rock Star Bruce Springsteen, the light bulb, and the streets of Monopoly all hailed from here. The state is also known for having the most people per square foot of space- a situation ripe for fender benders and other kinds of automobile accidents.
Fortunately, the state has worked to make meeting minimum insurance requirements more accessible to everyone. Going online to find the best and cheapest car insurance quotes, no matter your driver profile, is a cinch.
Cheapest Car Insurance Quotes in New Jersey
Here are the cheapest insurance companies in New Jersey for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in New Jersey.
Insurance Company Quote
Liberty Mutual $154/month
State Farm $226/month
Lower-income individuals in New Jersey may be eligible for large insurance discounts. Contact your local DMV to find out if you qualify for New Jersey’s low-cost auto insurance program or other financial assistance.
Best Car Insurance Quotes in New Jersey
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in New Jersey. For the complete list, see Insurify’s best car insurance companies.
Insurance Company Composite Score Quotes
American Family 88 $277/month
Allstate 86 $220/month
State Farm 83 $226/month
Travelers 81 $180/month
Liberty Mutual 80 $154/month
Progressive 78 $86/month
Most Popular Car Insurance Companies in New Jersey
The state of New Jersey boasts over 50 seaside resort towns. Picking the most popular is definitely open to interpretation.
In the case of car insurance companies, we base popularity on those providers that generate the most business across the Garden State.
According to the Insurance Information Institute (III), these are the most popular car insurance providers in New Jersey by market share:
- New Jersey Manufacturers (NJM)
- Plymouth Rock Assurance
Cheapest Car Insurance Quotes in New Jersey by City
Shopping and dining is big in New Jersey. In fact, the state has the most shopping malls in America (second only to Texas).
If you have a lot of shopping to do, you’ll appreciate saving those extra few dollars at the end of every month on car insurance with these companies.
Cheapest Car Insurance Quotes in New Jersey by Profile
Here are the cheapest insurance companies in New Jersey based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service
Cheap Car Insurance Quotes for Good Drivers
Good driving doesn’t go unrewarded in New Jersey. There’s no such thing as cookie-cutter discounts for clean driving records. No two insurance companies are going to reward you the same way, so get in there and make sure you are getting what you deserve!
Cheap Car Insurance Quotes for High-Risk Drivers
Sure, you have to pay for your mistakes, but just how much is reasonable? For how long? Even drivers who have had accidents, have a DUI on their record or are otherwise classified as high-risk have the right to seek out lower car insurance rates. And they’ll find them!
Cheap Car Insurance for Drivers with DUI in New Jersey
|New Jersey Manufacturers||$36/month|
Cheap Car Insurance for Drivers with an At-Fault Accident in New Jersey
|New Jersey Manufacturers||$30/month|
Cheap Car Insurance for Speeding Drivers in New Jersey
|New Jersey Manufacturers||$36/month|
Cheap Car Insurance Quotes for Young Drivers Under 40
If that rite of passage is draining your bank account, you should know that young drivers can get breaks on their motorist coverage, too. Certainly, it makes sense that taking on the risks associated with young drivers means more money from you. But there are ways a young driver can mitigate those risks by finding insurance discounts created just for them. Safe driving and good student discounts just a few ways that being a young driver, or having one on your auto policy, can let you make peace with your pocketbook and keep insurance premiums low.
New Jersey State Insurance Laws
Car insurance is mandatory in New Jersey.
State Minimum Car Insurance Coverage in New Jersey
The state minimum insurance you need to legally drive in the state is within the Basic Policy. The Standard Policy includes the minimum and then some. The table below shows you both the differences between the policy types, coverage options, and the minimum required liability coverage.
Basic Policy Details
A basic policy costs less than the standard policy, but in turn, provides less coverage. The basic policy includes:
Bodily injury liability: Not included in the basic policy. However, $10,000 coverage for all persons, per accident is an add-on that is available to purchase from any insurer.
Property damage liability: $5,000 per accident.
Personal Injury Protection: $15,000 per person, per accident. Up to $250,000 (depending on injury).
Standard Policy Details
Bodily injury liability: As low as $15,000 per person, $30,000 per accident. As high as $250,000 per person, $500,000 per accident.
Property damage liability: As low as $5,000 per accident. As high as $100,000 or more.
Personal Injury Protection: $15,000 per person, per accident; up to $250,000 for certain injuries.
Collision coverage and Comprehensive coverage: Not included in the basic policy, but available as an option from any insurer.
Distracted Driving Laws in New Jersey
Distracted driving was cited as a major contributing factor in nearly 800,000 motor vehicle crashes in the state from 2012-2016. It’s no wonder then, that New Jersey is tough when it comes to hands-free device driving rules. Here are the penalties for texting, talking, or scrolling on a device while driving:
- First offense: $200 to $400
- Second offense: $400 to $600
- Third and subsequent offenses: Up to $800, three points on your license and a possible 90-day suspension of your license.
Obtaining a Driver’s License in New Jersey
Before you head out to get your permit or license in New Jersey, know that this state wants to make extra sure of who you are. New Jersey requires you to have a total of “6 Points of ID,” including:
- At least one primary document
- At least one secondary document
- A verifiable Social Security Number, and
- Proof of address
Immigration Status and Driving Laws in New Jersey
Although legislation is under review that would allow undocumented immigrants the ability to legally drive, currently it is illegal for any undocumented immigrant to drive in New Jersey.
Providing false documentation in an attempt to obtain a license could get you in a lot of trouble.
New Jersey’s strict policy for submitting identification documents includes running all documents
How to See Your New Jersey Driver History Abstract
Just how do insurers know so much about your driving record? Or better yet, what exactly is on your record? Sometimes online quoting systems allow you to enter details of your driving record in to give you a preliminary quote.
In New Jersey, you can get this information by requesting your Driver History Abstract online or in person. Details on ordering your Driver History Abstract and how to read it can be found here.
New Jersey Auto Insurance FAQs
Can undocumented immigrants get a New Jersey driver’s license?
No. Although some states do offer ways for undocumented immigrants to drive legally, New Jersey does not issue licenses to anyone who cannot pass the state’s 6 Points of ID verification.
How do I register a classic car in New Jersey?
If your car is at least twenty-five (25) years old, you can apply for “historic” registration. It must be covered by the minimum automobile insurance coverage, owned as a collector’s item, and used solely for exhibition or educational purposes.
How old do you have to be to drive in New Jersey?
New Jersey has a multi-stage licensing process that allows drivers to gain a permit at age 16 and unrestricted driving privileges at age 18.
Do the bigger insurance companies like AAA and State Farm always have the cheapest rates in New Jersey?
The question isn’t do they have the cheapest rates—but do they have the cheapest rates for you. Insurance shopping is a very personalized experience today. One company may specialize in at-risk drivers, while others serve up unique programs to reward good driving records or help young drivers keep rates reasonable. Regardless of who you are, policyholders can save by comparing quotes online with Insurify.
New Jersey DMV Information
If you are new to the state and want to get a new license and/or register your vehicle, you’ll have to visit a New Jersey Motor Vehicle Commission (NJMVC).
You can find a location closest to you here (type “license” or “registration” in the search box). Make sure you’ve already secured insurance policies before you proceed to register your vehicle(s).
Registering Your Vehicle
New vehicle registration is taken care of by the car dealership (as long as the car was purchased from a New Jersey dealership). For all other vehicles (including transferring a vehicle into New Jersey), you’ll need to bring at least the following paperwork to the NJMVC:
- Driver’s license or another ID card (See 6 Points of ID)
- New Jersey insurance card or company name and policy number
See their vehicle registration page for more information on New Jersey registration requirements.
Although first time licensing and registration must be done in-person, the NJMVC does offer renewals and additional driving-related services online, including:
- Change of address
- License and registration duplicates
- Standard license renewals
- Vehicle registration renewals
- Organ donor registration
- Driver History Abstract
- Special plates
- Other services
See a complete list of NJMVC online services here.
Dollar A Day Auto Insurance from SAIP
The Special Automobile Insurance Policy (SAIP) provides Medicaid-eligible drivers with a residual market government auto insurance plan. SAIP policies are known as “dollar a day” because coverage costs approximately $365 annually. SAIP coverage, however, does not meet New Jersey’s minimum liability requirements, only covering emergency treatments like ER admissions or immediate care, and not liability coverage. SAIP coverage should be a last resort for drivers in a pinch. SAIP is purchasable through most insurance agencies in New Jersey. To qualify for SAIP Dollar a Day Insurance, drivers must meet the following requirements:
- Must be an uninsured New Jersey driver
- Must be enrolled in a Medicaid program
- Driver’s License and Registration must not be revoked or suspended
Before committing to Dollar a Day insurance, be sure to do your research to ensure that it’s truly your best option. Compare quotes today on Insurify.
New Jersey is known for a lot, from saltwater taffy to boardwalks to beach getaways. And now you know a lot more about finding the best insurance in this state.
You deserve to find and compare the best and cheapest car insurance deals for you. Don’t just rely on the insurance plan your neighbor has, even if they’re covered by old standbys like AAA, Allstate, Plymouth Rock, NJ Manufacturers, and State Farm.
Instead, use your own noggin and Internet connection to go online and get a faster, reliable, more convenient car insurance quote that may save you big bucks this year with Insurify.
How sweet is that?!
Score savings on car insurance with Insurify