Cheapest Car Insurance in New Jersey

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.

Companies Quotes
Progressive

Progressive

$86 /mo
Liberty Mutual

Liberty Mutual

$154 /mo
Travelers

Travelers

$180 /mo
Allstate

Allstate

$220 /mo
State Farm

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 carrier reviews. The following are the top rated carriers that offer car insurance in New Jersey.

Companies Insurify
Composite Score
Quotes

American Family

92
$277 /mo

Allstate

88
$220 /mo

State Farm

84
$226 /mo

Liberty Mutual

84
$154 /mo

Travelers

83
$180 /mo

Progressive

82
$86 /mo

Car Insurance in New Jersey

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.

New Jersey Driving Facts

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

State Rankings

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.

dui
States with Most
DUIs Rank
#38
moving violations
States with Most
Moving Violations Rank
#45
popular car
State's
Most Popular Car
Honda Accord
speeding violations
States with Most
Speeding Tickets Rank
#50
suspended licenses
States with Most
Suspended Licenses Rank
#46

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.

green city award

Clifton


most patriotic
% of Hybrids/Electrics 3%

Most Patriotic City

Toms River

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