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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.
Here are the cheapest carriers 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 | Quotes |
|---|---|
 Progressive | $86/mo |
 Liberty Mutual | $154/mo |
 Travelers | $180/mo |
 Allstate | $220/mo |
 State Farm | $226/mo |
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 carrier reviews. The following are the top rated carriers that offer car insurance in New Jersey. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Quotes | |
|---|---|---|
 American Family | $277/mo | |
State Farm | $226/mo | |
Allstate | $220/mo | |
Liberty Mutual | $154/mo | |
Progressive | $86/mo | |
Travelers | $180/mo |
Auto insurance costs will vary between locations and insurance carriers. 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.
| City | Cheapest Carrier | Quote |
|---|---|---|
| Newark | Progressive | $138/mo |
| Jersey City | Progressive | $109/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 |
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:
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.
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 | Quotes |
|---|---|
Progressive | $86/mo |
Liberty Mutual | $154/mo |
Travelers | $180/mo |
Allstate | $220/mo |
State Farm | $226/mo |
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 | Quotes |
|---|---|
New Jersey Manufacturers | $36/mo |
Progressive | $84/mo |
GEICO | $90/mo |
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.
| Insurance Company | Quotes |
|---|---|
New Jersey Manufacturers | $30/mo |
GEICO | $64/mo |
Amica | $77/mo |
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 | Quotes |
|---|---|
New Jersey Manufacturers | $36/mo |
GEICO | $47/mo |
Plymouth Rock | $74/mo |
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 | Quotes |
|---|---|
Tennessee Farmers | $31/mo |
GEICO | $44/mo |
Amica | $60/mo |
Plymouth Rock | $64/mo |
Progressive | $68/mo |
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.
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).
Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
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.
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.
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.
