Cheapest Auto Insurance in New Jersey (2024)

With monthly liability rates of $87, CSAA is the cheapest car insurance company in New Jersey.

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Sarah Archambault
Sarah Archambault
  • Experienced personal finance writer

  • Background working with banks and insurance companies

Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated May 29, 2024

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Cheapest recent rates in New Jersey

Drivers using Insurify have found quotes as cheap as $87/mo for liability only and $87/mo for full coverage in New Jersey.

*Quotes generated for Insurify users from New Jersey within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from New Jersey within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

New Jersey drivers pay an overall average of $165 per month for car insurance. This rate is about the same as the nationwide monthly average of $160.

Many factors influence car insurance costs in a state, including its population density, auto theft rates, and frequency of natural disasters.

Here’s what you should know about comparing quotes and finding affordable coverage in the Garden State.

Quick Facts
  • CSAA, NJM, and Plymouth Rock have the cheapest car insurance in New Jersey.

  • Liability insurance in New Jersey costs an average of $113 per month, and full coverage costs an average of $217 per month.

  • New Jersey is a no-fault state, which means both drivers file claims after an accident.

3 of the cheapest car insurance companies in New Jersey

Car insurance quotes vary based on a variety of factors, including your age, driving history, type of car, ZIP code, and more. While the companies listed below offer affordable rates to many New Jersey drivers, the best insurance policy for you depends on your specific financial situation and needs as a driver.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
NJM4.7$133$90People with driving incidents
CSAA3.8$146$87Liability coverage
Plymouth RockN/A$137$92Senior drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for people with driving incidents: NJM

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$90/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$133/mo

Getting an at-fault accident or traffic violation on your record usually leads to higher rates, but NJM has affordable rates in New Jersey for drivers with an accident.

The company offers New Jersey drivers a three-year discount after enrolling in a defensive driver course. Other discounts, like for paperless payments, electronic payments, and paying in full, can help you find a lower rate.

Pros
  • Several available discounts

  • Above-average J.D. Power customer satisfaction score in Mid-Atlantic region

Cons
  • Coverage limited to Northeast U.S.

  • Rates higher than average for drivers with incidents on their record

Read our NJ Manufacturers review
James - May 17, 2024
Verified

Excellent

Shop around for price.

Rodney - March 6, 2020
Verified

Average

They were expensive, but they honored a claim.

Brandi - February 10, 2020
Verified

Good

They're accessible and easy to work with.

Best insurer for liability coverage: CSAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$87/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$146/mo

CSAA’s average liability-only rates are less than the state average. While liability-only insurance is a less robust car insurance policy, it can still be a good choice for drivers of older cars. Unfortunately, CSAA has below-average customer satisfaction scores and requires an AAA membership to enroll. But membership comes with additional perks and discounts.

Pros
  • Some of the lowest liability-only rates in the state

  • Many discounts available through AAA membership

Cons
  • Below-average J.D. Power customer satisfaction score in Mid-Atlantic region

  • AAA membership required to enroll

Read our CSAA review
Avinder - May 29, 2024
Verified

Excellent

Excellent

Alicia - May 28, 2024
Verified

Horrible Service

The service is horrible. I have a claim and I'm still waiting for help. My next step is to contact an attorney.

David - May 28, 2024
Verified

Auto Quote

I never received the requested quotes. I kept getting redirected to another site that promised a quote, but I never received one.

Best insurer for senior drivers: Plymouth Rock

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
812
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$92/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$137/mo

Plymouth Rock offers seniors low average rates in New Jersey. Senior drivers older than 60 may qualify for its mature driver discount after completing an approved defensive driving course.

You can save additional money by bundling home and auto insurance, going accident-free over an extended period, or insuring multiple vehicles. But if you’re looking for top customer service, you may want to consider alternatives.

Pros
  • Several available discounts

  • Loyal customer benefits

Cons
  • Coverage limited to Northeast U.S.

  • Mixed customer reviews

Read our Plymouth Rock review
Linda - May 29, 2024
Verified

Excellent

They do not assist you with claims.

Diane - May 15, 2024
Verified

Not Good for Seniors

Much too expensive.

Angela - April 10, 2024
Verified

Great

Request roadside assistance on policy.

How to get the cheapest car insurance in New Jersey

New Jersey drivers looking for the cheapest car insurance rates may want to consider the following options:[1]

  • Take advantage of discounts. Most companies offer discounts for safe driving, home and auto bundling, or adding multiple cars to your auto policy.

  • Choose a safe vehicle. Cars with advanced safety features and impressive safety records are cheaper to insure.

  • Improve your credit. New Jersey allows insurers to weigh your credit information when determining rates.

  • Raise your deductible. Drivers who choose a higher deductible generally pay lower monthly rates.

  • Compare quotes. Different insurance companies offer a range of rates. So, it’s a good idea to compare quotes from at least three different insurers.

Find Cheap Car Insurance in New Jersey

Liability rates start at $87 per month

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Cheapest liability-only car insurance in New Jersey: CSAA

When an accident is your fault, liability insurance only covers repairs and medical expenses for the other driver. You can’t use liability coverage to fix your own vehicle or pay your medical bills. But without liability insurance, you’d be entirely responsible for paying the other driver’s costs out of pocket.

Liability insurance in New Jersey costs $113 per month, on average. The table below highlights the cheapest liability-only insurers in the state.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
CSAA87
NJM90
Plymouth Rock92
GEICO115
Bristol West122
Foremost139
Mercury156
Midvale Home & Auto173
Progressive210
State Farm211
Travelers272
Allstate346
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in New Jersey: NJM

Full-coverage car insurance includes collision coverage and comprehensive coverage in addition to liability insurance.

Collision insurance and comprehensive insurance offer a greater level of financial protection, helping cover the cost of repairs to your vehicle after an accident or non-collision event, like severe weather. Lenders may require drivers of financed vehicles to have full coverage.

New Jersey drivers pay a monthly average of $217 for full-coverage insurance. Here are some cheap full-coverage options in New Jersey.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
NJM133
Plymouth Rock137
CSAA146
GEICO168
Mercury186
Foremost247
Midvale Home & Auto276
State Farm310
Bristol West328
Progressive355
Travelers400
Allstate509
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How much other Insurify users in New Jersey pay

Recent New Jersey car insurance prices for Drivers using Insurify have found quotes as cheap as $122/mo for liability only and $146/mo for full coverage in New Jersey. , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in New Jersey

New Jersey is a “choice no-fault” state. This means you’re required to carry no-fault insurance, also known as personal injury protection.

In New Jersey, PIP covers medical bills after an accident, regardless of fault. When you purchase your policy, you can also add an “unlimited right to sue” option, which allows you to sue the other driver after an accident, depending on your injuries.[2]

Here’s a closer look at the coverage required in New Jersey for basic policies:[3]

CoverageMinimum Requirements
Property damage liability$5,000 per accident
Personal injury protection$15,000 per person, per accident
  • illustration card https://a.storyblok.com/f/162273/150x150/96f6e05984/states_new-jersey.svg

    New Jersey insurance laws/programs

    New Jersey drivers are required to present authorities with proof of insurance before an inspection, after an accident, and during a traffic stop or “spot check.” Driving without insurance can result in fines, community service, or a license suspension.

    New Jersey’s “No-Pay, No-Play” law specifies that drivers who sue after an accident will be unable to gain “non-economic damages” if they were uninsured at the time of the accident.

Cheapest car insurance for drivers with an incident

People with traffic violations on their driving record often pay higher insurance rates. Certain types of incidents make you a high-risk driver, including speeding tickets, driving under the influence, and at-fault accidents.

Shop for Car Insurance in New Jersey

Monthly rates start at $115 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: NJM

Insurers see drivers with speeding tickets on their records as having a higher risk for future insurance claims. Speeding is closely linked to serious traffic accidents, according to the National Safety Council. So, if you have a speeding ticket in your driving record, you may have to look a bit harder to find competitive rates.[4]

New Jersey drivers with a speeding ticket on their record pay an average of $150 per month for liability coverage and $288 for full coverage. Explore the cheapest car insurance options for drivers with speeding tickets in the table below.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Speeding Ticket
CSAA87112
NJM90123
Plymouth Rock92124
GEICO115143
Bristol West122151
Foremost139192
Mercury156209
Midvale Home & Auto173223
Progressive210262
State Farm211261
Travelers272342
Allstate346430
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: NJM

Insurers view drivers with at-fault accidents on their records as more likely to file claims in the future. In order to avoid future losses, car insurance companies charge these drivers higher monthly premiums.

Liability insurance costs an average of $170 per month for New Jersey drivers with an accident on their record. The following table highlights cheap car insurance in New Jersey for drivers with this incident.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Accident
CSAA87125
NJM90135
Plymouth Rock92137
GEICO115158
Bristol West122165
Foremost139208
Mercury156227
Midvale Home & Auto173250
Progressive210293
State Farm211288
Travelers272375
Allstate346474
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: NJM

Driving under the influence (DUIs) can lead to serious, expensive accidents — and insurers manage this risk by charging higher rates for drivers with a DUI.

Liability insurance for drivers in New Jersey costs an average of $193 per month. That average increases to $370 per month for full coverage.

Here are the best options in New Jersey for drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith DUI
CSAA87147
NJM90137
Plymouth Rock92139
GEICO115195
Bristol West122206
Foremost139235
Mercury156239
Midvale Home & Auto173293
Progressive210355
State Farm211357
Travelers272460
Allstate346586
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: NJM

Auto insurance rates often start higher for young drivers, then decrease around age 35 — but increase again once you hit 70. Senior drivers may face higher rates due to slowing mental fitness, deteriorating vision, and a greater risk of injury in the event of an accident. But it’s still possible for seniors to qualify for discounts.

Senior drivers in New Jersey pay $96 per month for liability coverage and $185 per month for full coverage, on average.

The table below highlights other cheap insurance options for seniors in New Jersey.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
NJM9363
Plymouth Rock10470
CSAA11669
GEICO13693
Mercury143120
Foremost196110
Midvale Home & Auto213134
State Farm244166
Progressive260154
Bristol West26799
Travelers319217
Allstate415282
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: NJM

Teen drivers are less experienced behind the wheel and have a higher crash rate.[5] Car insurers charge teen drivers higher rates to account for this risk.

In New Jersey, teen drivers pay monthly averages of $197 for liability policies and $378 for full-coverage policies.

To get the best insurance rates, teens can stay on their parent’s insurance, get a safe car, or qualify for good student discounts. Teen drivers looking to save should also consider the insurers in the following table.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
NJM193130
CSAA236140
GEICO259178
Plymouth Rock284191
Mercury333279
Foremost430242
Midvale Home & Auto472296
State Farm516351
Bristol West549204
Progressive632374
Travelers708481
Allstate875595
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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New Jersey car insurance quotes by credit tier

Auto insurance companies in New Jersey can use your credit history when determining rates. Drivers with less-than-perfect credit often pay higher rates.

The table below shows how much New Jersey drivers pay on average for car insurance based on credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

New Jersey car insurance FAQs

If you’re shopping for car insurance in the Garden State, this additional information may help as you research your coverage options.

  • How much is car insurance in New Jersey?

    Car insurance in New Jersey costs an average of $113 per month for liability coverage and $217 per month for full coverage, according to Insurify data.

  • Which company has the cheapest car insurance in New Jersey?

    CSAA has the cheapest car insurance in New Jersey, with monthly liability rates as low as $87. NJM and Plymouth Rock also offer affordable coverage, with respective monthly liability rates of $90 and $92.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in New Jersey?

    With an above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region, an AM Best financial strength rating of A+ (Superior), and an IQ Score of 4.7 out of 5, NJM is the best car insurance company in New Jersey.

    Other top insurers to consider include CSAA and Plymouth Rock.

  • Is NJM cheaper than GEICO?

    No. NJM is more expensive than GEICO. It has an average liability-only rate of $90 per month, compared to GEICO’s average monthly liability rate of $54.

  • What are the minimum car insurance requirements in New Jersey?

    New Jersey requires drivers to carry $5,000 in property damage liability and $15,000 in personal injury protection coverage. But purchasing coverage beyond these limits can give you greater financial protection.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "How to save money on car insurance."
  2. Nolo.com. "New Jersey No-Fault Car Insurance."
  3. New Jersey Department of Banking & Insurance. "Get Legal with New Jersey's Basic Auto Insurance Policy."
  4. National Safety Council. "Injury Facts."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
A.M. Steinbach
A.M. SteinbachInsurance Writer

A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.

Sarah Archambault
Sarah Archambault
  • Experienced personal finance writer

  • Background working with banks and insurance companies

Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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