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Cheap Auto Insurance Quotes in New Jersey (January 2022)
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Last Updated: January 2022
Save More Green in the Garden State
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 in New Jersey
Here are the cheapest 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.
| Cheapest Companies | |
|---|---|
Progressive | $86/mo |
 Liberty Mutual | $154/mo |
 Travelers | $180/mo |
 Allstate | $220/mo |
 State Farm | $226/mo |
Best Car Insurance 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.
| Best Companies | ||
|---|---|---|
 American Family | $277/mo | |
State Farm | $226/mo | |
Allstate | $220/mo | |
Liberty Mutual | $154/mo | |
Progressive | $86/mo | |
Travelers | $180/mo |
Car Insurance in New Jersey
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in New Jersey to find you the cheapest quotes in each of these metropolitan areas.
Newark, New Jersey's most populous city, is firmly in the New York City metropolitan area, and as such is home to multiple commuters.
Quotes by Top Companies
Quotes ($/mo)
$138
$272
$283
$431
$460
ProgressiveLiberty MutualTravelersAmerican FamilyState Farm
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Newark | Progressive | $138/mo |
| Jersey City |  Plymouth Rock | $185/mo |
| Paterson | Progressive | $110/mo |
| Elizabeth | Progressive | $131/mo |
| Edison | Progressive | $86/mo |
| Toms River |  Liberty Mutual | $154/mo |
| Clifton | Progressive | $90/mo |
| Trenton | Progressive | $91/mo |
| Camden | Progressive | $110/mo |
| Passaic | Progressive | $111/mo |
| Union City | Progressive | $121/mo |
| Bayonne |  Travelers | $232/mo |
| East Orange | Progressive | $141/mo |
| Vineland | Progressive | $96/mo |
| Irvington | Progressive | $141/mo |
| New Brunswick | Liberty Mutual | $195/mo |
| Union | Travelers | $241/mo |
| Lakewood | Travelers | $206/mo |
| Cherry Hill | Plymouth Rock | $140/mo |
| Fair Lawn | Plymouth Rock | $183/mo |
| Fort Lee | Plymouth Rock | $176/mo |
| Harrison | Plymouth Rock | $174/mo |
| Hoboken | Travelers | $168/mo |
| Mount Laurel | Plymouth Rock | $127/mo |
| North Bergen | Plymouth Rock | $230/mo |
| North Brunswick | Travelers | $176/mo |
| Piscataway | Plymouth Rock | $152/mo |
| Princeton | Plymouth Rock | $124/mo |
| Somerset | Plymouth Rock | $152/mo |
| Wayne | Plymouth Rock | $156/mo |
| Weehawken | Travelers | $174/mo |
| West New York | Travelers | $196/mo |
| West Orange | Travelers | $171/mo |
Cheapest Liability Auto Insurance in New Jersey
For drivers in New Jersey, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in New Jersey. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in New Jersey.
| Cheapest companies | |
|---|---|
 Plymouth Rock | $149/mo |
Travelers | $150/mo |
Progressive | $178/mo |
 Nationwide | $214/mo |
Liberty Mutual | $231/mo |
Cheapest Full Coverage Auto Insurance in New Jersey
For drivers in New Jersey, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in New Jersey. The following are the best insurance rates from carriers that offer full coverage auto insurance in New Jersey.
| Cheapest companies | |
|---|---|
Plymouth Rock | $203/mo |
Travelers | $204/mo |
 Dairyland | $204/mo |
Progressive | $237/mo |
Nationwide | $238/mo |
New Jersey Driving Facts
Minimum Car Insurance Requirements in NJ
New Jersey requires all drivers to purchase either a basic or standard insurance policy. The basic policy liability limit is as follows:
-
$5,000 of property damage liability per accident
The standard policy liability limits are as follows:
- $15,000 of bodily injury liability insurance per person, per accident
- $30,000 of bodily injury liability for multiple injured people per accident
- $5,000 of property damage liability per accident
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. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
For New Jersey drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in New Jersey, at $86 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Progressive | $86/mo |
Liberty Mutual | $154/mo |
Travelers | $180/mo |
Allstate | $220/mo |
State Farm | $226/mo |
Cheap Car Insurance for Drivers with DUI
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
New Jersey Manufacturers | $36/mo |
Progressive | $84/mo |
GEICO | $90/mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
New Jersey Manufacturers | $30/mo |
GEICO | $64/mo |
Amica | $77/mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
New Jersey Manufacturers | $36/mo |
GEICO | $47/mo |
Plymouth Rock | $74/mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of New Jersey, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Tennessee Farmers offers the cheapest car insurance rates for young drivers, averaging $31 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, New Jersey 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young New Jerseyans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
Tennessee Farmers | $31/mo |
GEICO | $44/mo |
Amica | $60/mo |
Plymouth Rock | $64/mo |
Progressive | $68/mo |
SR-22 Insurance in New Jersey
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of New Jersey on your behalf.
NJ 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).
For more detailed rates on specific personas and driving histories, use our New Jersey insurance rate resources.
Insurify Insights: How New Jersey Drivers Measure Up
Moving Violations Rank
New Jersey
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how New Jersey drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in New Jersey
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, New Jersey drivers rank 37 in the number of car accidents per driver.
- Rank of States: #37
- Percent of drivers in New Jersey with an accident: 9.37%
- Drivers in NJ with an accident in their driving history paid on average 31.38% more than drivers with a clean record
Speeding in New Jersey
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. New Jersey drivers rank 51 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #51
- Percent of drivers in New Jersey with a speeding ticket: 5.14%
- Drivers in NJ with a speeding ticket in their driving history paid on average 23.85% more than drivers with a clean record
DUI/DWIs in New Jersey
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New Jersey drivers rank 45 in the number of DUI’s per driver across all fifty states.
- Rank of States: #45
- Percent of drivers in New Jersey with a DUI: 1.32%
- Drivers in NJ with a DUI in their driving history paid on average 16.32% more than drivers with a clean record
Most Popular Vehicle in New Jersey
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in New Jersey is the Honda Accord.
Rude in New Jersey
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, New Jersey drivers rank 8 in rude driving infractions.
- Rank of States: #8
- Percent of drivers in New Jersey with a reckless driving violation: 2.27%
- Drivers in NJ with a reckless driving violation in their driving history paid on average 37.66% more than drivers with a clean record.
Safest Drivers in New Jersey
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; New Jersey drivers rank 4 in clean driving records across all fifty states.
- Rank of States: #4
- Percent of drivers in New Jersey with clean record: 84.83%
Street Racing in New Jersey
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, New Jersey drivers rank 33 in street racing violations per driver.
- Rank of States: #33
- Percent of drivers in New Jersey with a street racing violation: --%
Failure to Yield the Right of Way in New Jersey
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New Jersey drivers rank 21 in failure to yield violations per driver across all fifty states.
- Rank of States: #21
- Percent of drivers in New Jersey with a failure to yield violation: 0.4%
- Drivers in NJ with a failure to yield violation in their driving history paid on average 33.89% more than drivers with a clean record
Reckless Drivers in New Jersey
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, New Jersey drivers rank 15 in the number of reckless driving offenses per driver.
- Rank of States: #15
- Percent of drivers in New Jersey with a reckless driving offense: 0.17%
Hybrid/Electric Vehicle Ownership in New Jersey
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. New Jersey drivers rank 12 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #12
- Percent of drivers in New Jersey with a hybrid/electric vehicle: 1.23%
Greenest Cities in New Jersey
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of New Jersey offers many green driver incentives, including federal tax credits, a green pass discount for New Jersey E-ZPass customers, and discounts through some car insurance carriers.
North Brunswick
% of Hybrids / Electrics
5%
Most Patriotic City
Newark
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Toms River won Insurify's Most Patriotic Cities Award for the state of New Jersey.
Road Statistics
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in New Jersey is vital for all car insurance shoppers hitting the road in The Garden State.
Road Rankings
8%Rural Roads in
Poor Condition
#20
Ranked
11%Structurally Deficient
Rural Bridges
#8
Ranked
1%Fatality Rate per 100M VMT
on Rural Roads
#38
Ranked
FAQs - New Jersey Car Insurance
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.
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.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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