Cheap Auto Insurance in New Jersey (2023)

Insurers like GEICO, State Farm, and Travelers provide some of the best car insurance options in New Jersey.

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Updated November 17, 2023 at 6:30 AM PST

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Insurers like GEICO, State Farm, and NJM provide some of the best car insurance options in New Jersey.

The best car insurer for your needs will vary depending on factors like your location, coverage needs, and price. And since the cost of car insurance seems to continually increase, finding affordable options is also an important factor.

If you live in the Garden State, you have a lot to consider when determining the best car insurer for you. Here’s what you should know about the best car insurance in New Jersey.

Quick Facts
  • In New Jersey, the average monthly cost of car insurance is $153, which is 10% higher than the national average of $139. 

  • Toms River has the lowest average cost of car insurance in the state, at $174 per month.

  • On Jan. 1, 2023, New Jersey’s liability limits for standard policies increased significantly, and they’re set to increase again in 2026.

Best car insurance companies in New Jersey

When trying to find the best car insurance company for you, you’ll want to look at your individual needs and compare the value you’d get with one insurer versus another. Are you looking for an insurance company that offers lots of discounts, or are you interested in one that’s more lenient on drivers with violations on their records?

Or maybe you want a company that offers better rates to drivers younger than 25. No single car insurance option will work for everyone in New Jersey. The key is to find the best insurer to match your needs.

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Insurance CompanyBest ForAverage Quote: Liability OnlyIQ 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.
State FarmOverall$1624.4
GEICOBest value$884.2
NJMMost affordable$694.5
Plymouth RockCommuters$105N/A
Midvale Home & AutoFamilies$1813.2
Liberty MutualCollege students$1663.7
AllstateLuxury-car owners$2664.1
ProgressiveRenters$1823.9
Bristol WestHigh-risk drivers$1142.2
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best car insurance overall: State Farm

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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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
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.
$164/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.
$204/mo

State Farm works with more than 19,000 agents to provide affordable car insurance options across the United States. Start Farm also has a 4.4 IQ Score and offers savings for teen drivers and students. State Farm customers can receive discounts for being a good driver, for drivers under 25, and for drivers who have gone three or more years without any moving violations or at-fault accidents.

Pros
  • Agents available in communities across New Jersey

  • A++ rating for financial strength from A.M Best

Cons
  • No gap insurance coverage if you total your car

  • Might not be the cheapest option for drivers with violations or accidents on record

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Best cheap car insurance in New Jersey: GEICO

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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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
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.
$89/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.
$111/mo

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Personalized coverage options

  • New Jersey drivers can save 5% by taking a defensive driver course

Cons
  • No coverage for rideshare insurance

  • Harder to talk to a person on the phone compared to competitors

Unwilling to work with clients. Especially senior citizens on a fixed income.

Janina - September 10, 2023
Verified

Awesome customer service, good prices, easy to deal with.

Kathleen - September 9, 2023
Verified

Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.

James - September 7, 2023
Verified
Read our GEICO review

Most affordable car insurance in New Jersey: NJM

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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.
4.5
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.
$70/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.
$87/mo

NJM (New Jersey Manufacturers) was founded in 1913 in the Garden State. Today, NJM sells multiple insurance products, including auto, renters, condo, umbrella, motorcycle, and ATV coverage. NJM only offers insurance in five states, including New Jersey. The company has a high rating from J.D. Power for customer satisfaction and earned a 4.5 IQ Score. NJM offers numerous discounts, including defensive driver savings exclusive to New Jersey residents.

Pros
  • Bundling discounts for auto and homeowners, condo, or renters insurance

  • Automatic savings applied to full-coverage policies

Cons
  • Customers can’t manage policies through a mobile app

  • Available in a limited number of states

Best for commuters: Plymouth Rock

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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.
789
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.
$102/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.
$138/mo

Plymouth Rock is a regional insurer with headquarters in New Jersey and Massachusetts. The company was founded by Jim Stone, a former insurance commissioner for the Commonwealth of Massachusetts, in 1982. Plymouth Rock is a relatively small insurer, but it offers a variety of car insurance policies, including liability, collision, comprehensive, MedPay, uninsured motorist, and gap coverage.

The insurance company also offers homeowners, renters, condo, motorcycle, and umbrella policies. However, Plymouth Rock has mixed reviews for customer service and billing issues on consumer rating sites like the Better Business Bureau.

Pros
  • Commuter-friendly coverages including substitute transportation, towing and labor, gap coverage, and roadside assistance

  • Savings of up to 29% with its telematics-based safe driver rewards program, YUBI

Cons
  • Policyholders report issues with billing, canceled policies, and customer service

  • Coverage is only available in six states

They canceled my policy just as a result of payment misunderstanding.

Benjamin - August 11, 2023
Verified

Every six months, they raise my premiums and do not give a heads-up.

JANE - May 19, 2023
Verified
Read our Plymouth Rock review

Best for families: Midvale Home & Auto

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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.
3.2
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.
$186/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.
$273/mo

American Family Insurance affiliate Homesite Group Inc. underwrites policies for Midvale Home & Auto. Coverage from Midvale can meet your family’s basic auto and home insurance needs while providing useful additional coverage options and savings opportunities. Customers can save on premiums by bundling auto and homeowners insurance, and the company rewards drivers for insuring multiple vehicles.

Midvale Home & Auto also offers a good student discount and an away at school discount for young drivers attending school at least 100 miles away from their insured vehicle.

Pros
  • Multi-vehicle discounts

  • Discounts for students

  • Roadside assistance services

Cons
  • Fewer coverage options than many other insurers

  • Only negative customer reviews with the Better Business Bureau

  • Doesn’t offer accident forgiveness coverage

Best for college students: Liberty Mutual

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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.
827
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.
$165/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.
$233/mo

Liberty Mutual offers customizable auto insurance plans based on your needs. This company is a great option for college students. Students with a B or higher average GPA can earn a good student discount. The company also offers a student away at college discount for people who leave their cars at home.

Pros
  • Customizable insurance plans

  • Good student discount

  • Student away at school discount

Cons
  • Higher full-coverage rates than some insurers

  • Additional deductible required for collision coverage

  • Mixed reviews on customer service and certain app features

I don’t like talking to a computer. I’m a one-on-one kind of person.

James - September 13, 2023
Verified

Good response time.

Chesarae - September 9, 2023
Verified

Very easy to deal with.

Renaldo - September 5, 2023
Verified
Read our Liberty Mutual review

Best for luxury-car owners: Allstate

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.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832
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.
$270/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.
$336/mo

Allstate rewards safe drivers with discounts for driving safely and for insuring a brand-new car. The company also provides umbrella insurance, which can be helpful for luxury-car drivers with expensive vehicle repair costs.

Pros
  • Discounts for new vehicles and safety features

  • Offers affordable roadside assistance coverage

Cons
  • Above-average number of customer complaints from the NAIC complaint index

  • More expensive premiums than some other insurers

Handled a claim ok, but they keep raising my price every 6 months.

Brigitte - September 13, 2023
Verified

Failure to allow me to reinstate my overage.

Joseph - September 9, 2023
Verified

Poor service. Hard to access online accounts.

Peter - September 3, 2023
Verified
Read our Allstate review

Best car insurance for renters: Progressive

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
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
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.
$180/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.
$294/mo

If you’re a renter in New Jersey, you may be able to score additional savings when you bundle your auto insurance and rental insurance with Progressive. Your apartment complex may require you to get renters insurance. And if you need coverage, this is a great way to save up to 3% when combined with auto insurance. Progressive offers various pricing options and competitive rates.

You may be able to save even more with the company’s Snapshot usage-based program if you practice safe driving habits. Plus, with Progressive’s Name Your Price tool, you can see what options fit your budget.

Pros
  • High customer satisfaction in digital experience, according to J.D. Power

  • Savings available when bundling auto insurance with renters insurance

Cons
  • Low customer ratings on CustomerAffairs

  • Some complaints about price increases at renewal

My premiums continue to increase. I have no tickets and no accidents.

Kimberly - September 10, 2023
Verified

The final price was more than the quote.

Karlee - September 10, 2023
Verified

Easy.

Sonny - September 9, 2023
Verified
Read our Progressive review

Best car insurance for high-risk drivers: Bristol West

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.
2.2
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.
$115/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.
$342/mo

A member of the Farmers Group of Insurance Companies, Bristol West is a good choice for high-risk drivers in New Jersey, specifically because the insurer works with drivers who don’t have stellar records. Bristol West offers a variety of coverage options, whether you’ve had a DUI, traffic infraction, or limited credit history. This also means that it has some of the highest average monthly premiums.

Bristol West has nearly 50 years of experience in the insurance industry.

Pros
  • Works with drivers who have poor or little to no credit histories

  • Can quote policies for high-risk drivers, including those with DUIs

  • Provides SR-22 filings to the New Jersey Department of Banking and Insurance

Cons
  • High average rates for full-coverage insurance

  • Limited discounts available

  • Poor customer service reviews

Too expensive.

Gregory - August 26, 2023
Verified

The agents are nice, but the price seems high.

Ashley - March 17, 2023
Verified

It’s a great company, but the renewal fee went up too much.

Jacqueline - January 6, 2023
Verified
Read our Bristol West review

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for New Jersey drivers.

How to shop for the best car insurance in New Jersey

You should consider several factors when you’re shopping for the best car insurance in New Jersey. You can start your search by confirming the state’s legal minimum car insurance requirements, which changed in 2023. Then, you can look into:

  • How much coverage you may want or need: This could include collision, comprehensive, uninsured motorist, or emergency roadside assistance.

  • Reviews and customer satisfaction: Look at credible customer satisfaction ratings, as well as reviews and complaints filed with the National Association of Insurance Commissioners, to find any issues customers might have had with the company and how they were resolved.

  • Types of communication offered: Do you prefer to have your own local agent? Or would you rather call the company directly or communicate through a mobile app? Think about your preferred communication methods as well when considering the best car insurance option for you.

  • Claim-filing process: Check if there’s a way to file claims easily via a mobile app, phone call, or an online system. You also may want to confirm whether the insurance company allows you to check the status of your claim online.

How to get the cheapest car insurance in New Jersey

Finding the cheapest car insurance in New Jersey will depend on factors such as your location, age, and driving history, but you can still do some specific things to lower costs:

  • Ask your insurer about discounts (multi-policy and safe driver discounts are popular).

  • Keep a clean driving record.

  • Consider increasing your deductible.

  • Shop around and gather quotes from at least three insurance companies.

“While you may explore trimming coverages or making changes to your deductible, talk with your agent and make sure you completely understand the impact of those cost-saving changes,” says Adam Schwery of COUNTRY Financial. “They could have long-term consequences if you have an accident or claim.”

Minimum car insurance requirements in New Jersey

All motor vehicles operating in New Jersey must meet minimum insurance coverage requirements. New Jersey is also a no-fault state, which means both parties’ insurance companies will pay for medical expenses via personal injury protection, regardless of who caused the accident.

New Jersey’s liability limits increased as of Jan. 1, 2023. The changes only apply to standard policies, and don’t affect basic policies. Here are the current limits, and the limits that will take effect on Jan. 1, 2026.[1][2]

Coverage TypeBasic Standard (2023)Standard (2026)
Bodily injury liability$10,000
  • $25,000 per person
  • $50,000 per accident
  • $35,000 per person
  • $70,000 per accident
Property damage liability$5,000 per accident
  • $25,000
No change under the law
Personal injury protection$15,000 per person, per accident$15,000 per person, per accidentNo change under the law

A basic policy offers the minimum coverage required by state law, but it isn’t for everyone. In fact, the state’s Department of Banking and Insurance recommends you should only consider a basic policy if you have “few family responsibilities and few real assets.” 

The standard policy includes the state’s minimum required coverages, plus a number of options such as uninsured/underinsured motorist coverage, or choosing much higher liability limits to maximize your protection.[3]

Liability-only vs. full-coverage insurance in New Jersey

The state of New Jersey requires minimum liability auto insurance for drivers. This pays for the damage to the other vehicle and the other person’s medical expenses during an accident. Liability-only coverage won’t help pay for the cost of repairs to your car or your personal medical expenses during an accident.[4]

However, liability-only coverage may make sense if you’re driving an older vehicle that’s more affordable to replace. An older car will have depreciated in value, which could reduce repair and replacement costs as well.

You may also consider liability-only coverage if your car is completely paid off. In the case of an accident, you wouldn’t have to worry about paying a lender your full loan amount or having to replace the vehicle if you didn’t need to right away.

If you want more coverage, you may want to consider full-coverage auto insurance. Full-coverage insurance includes liability as well as comprehensive and collision coverage. With comprehensive coverage, your vehicle is protected against:

  • Natural disasters

  • Falling objects

  • Fires

  • Theft and vandalism

  • Damage caused by riots and civil unrest

Collision insurance can be added on to liability coverage and helps pay for damage to your car due to any type of collision with another vehicle or object, usually up to the actual cash value of your vehicle.

While full coverage may cost more, it could be ideal if you’re looking for a greater level of financial protection. Here’s a look at the cheapest auto insurance in New Jersey by policy type. GEICO, NJM, CSAA, and Plymouth Rock all have monthly prices below the state average.

Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
NJM$69$86
GEICO$88$109
CSAA$88$152
Plymouth Rock$105$138
Bristol West$114$342
Foremost$123$209
Nationwide$137$165
State Farm$162$201
Liberty Mutual$166$224
Mercury$168$197
Midvale Home & Auto$181$273
Progressive$182$295
Travelers$209$215
Allstate$266$330
Amica$370$459
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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Are car insurance rates in New Jersey increasing?

New Jersey drivers are facing the third fastest-rising rates in the country, with a shocking 34% increase in the first six months of 2023. Nationwide, rates increased by 17%, according to Insurify’s 2023 Mid-Year Auto Report.

The average annual premium in New Jersey increased from $1,368 in 2022 to $1,830. New Jersey drivers pay nearly 10% more than the national average of $1,668. New Jersey’s change in insurance requirements likely influenced the sharp spike. On Jan. 1, 2023, the liability coverage requirements increased from $15,000 to $25,000 on new policies. 

Unfortunately, insurance costs will probably continue to rise for New Jersey drivers in 2023. Insurify’s data science team predicts a 22% total increase in auto insurance rates nationwide by the end of the year.

New Jersey car insurance rates by driving and accident history

Your driving history also affects your car insurance rates. If you have moving violations or tickets on your record, this can increase your car insurance premiums since insurers might see you as a higher-risk driver.[6]

Things that could affect your insurance rates include speeding tickets, driving under the influence, and at-fault accidents, which can stay on your driving record for several years.

Here’s a look at the average monthly liability-only insurance quotes for the cheapest car insurance in New Jersey, based on driving and accident history.

Insurance CompanyClean RecordAt-Fault Accident DUISpeeding Ticket
NJM$69$99$104$92
GEICO$88$126$133$118
CSAA$88$126$133$118
Plymouth Rock$105$150$159$141
Bristol West$114$163$172$153
Foremost$123$176$186$165
Nationwide$137$196$207$184
State Farm$162$232$245$217
Liberty Mutual$166$237$251$222
Mercury$168$240$254$225
Midvale Home & Auto$181$259$273$243
Progressive$182$260$275$244
Travelers$209$299$316$280
Allstate$266$380$402$356
Amica$370$529$559$496
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.

SR-22 insurance in New Jersey

An SR-22 is a form that your insurance company files with the state’s Motor Vehicle Commission (NJMVC) to verify that you’re carrying the state’s minimum auto insurance coverage. In several states, drivers convicted of a DUI need to get an SR-22 before being able to drive again.

However, this isn’t required in New Jersey. If you do have a DUI conviction in New Jersey, talk to your insurance company about your coverage options.

New Jersey car insurance quotes by credit tier

Many states allow insurers to factor in your credit history when calculating your car insurance rate, and this includes New Jersey.[5] Your credit history shows how well you manage your finances and if you pay your bills on time. A good credit score ranges from 670 to 739, according to Equifax. But the higher your credit score, the better your options will be.

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.

Car insurance quotes in New Jersey cities

Car insurance rates can vary by city within New Jersey. Some larger cities may have more traffic or a higher number of accidents, leading to higher car insurance rates. Cities that experience more vehicle theft or vandalism can also have higher insurance rates. The cost of repairs and medical care in a specific location can also affect your rates.

Here are the average monthly quotes for full-coverage car insurance in 10 New Jersey cities.

CityAverage Monthly QuoteCompared to State Average
Toms River$122-30.1%
Trenton$187+7.87%
Willingboro$194+11.4%
Clementon$195+12.3%
Jersey City$198+13.8%
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.
CityAverage Monthly QuoteCompared to State Average
Irvington$268+53.8%
Camden$266+52.7%
Newark$251+44.1%
Paterson$243+39.8%
Clifton$241+38.3%

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New Jersey car insurance rates by driver age

Age is another important factor that affects car insurance rates. Insurers find that drivers younger than 25 tend to have more accidents than older drivers, so they accommodate this risk by increasing premiums for this group.[6]

This chart shows you what you can expect to pay for full-coverage car insurance in New Jersey based on your age.

Age GroupAverage Monthly Quote
Teenagers$343
Under 25$235
25-29$181
30s$164
40s$169
50s$151
60s$126
70s$121
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

Looking to learn more about car insurance in New Jersey? You’ll find answers to your questions here.

  • Who has the cheapest car insurance in New Jersey?

    The three cheapest insurance companies in New Jersey are GEICO, State Farm, and Travelers. These insurers have the best prices in the state for both liability-only and full-coverage insurance, starting at just $112 per month for GEICO. Comparing multiple quotes at once can help you find the cheapest car insurance rate for your situation.

  • What is the required car insurance coverage in New Jersey?

    As of Jan. 1, 2023, New Jersey’s minimum car insurance requirements for a standard policy are $25,000 per person and $50,000 per accident for bodily injury liability, $25,000 per accident for property damage liability, and $15,000 per person, per accident of PIP coverage. For a basic policy, the limits remain $10,000 for bodily injury, $5,000 per accident for property damage liability, and $15,000 PIP coverage.

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

    State Farm ranks as one of the best car insurance companies in New Jersey, with an IQ Score of 4.4 and average monthly rates of $162 for liability only and $201 for full coverage. While State Farm doesn’t have the lowest rates in New Jersey, its prices are still well below the state average. State Farm also has an A++ rating from A.M. Best and a J.D. Power customer satisfaction score of 838 out of 1,000.

    Other top insurers in the state include GEICO, NJM, and Allstate.

  • How does credit score affect car insurance premiums in New Jersey?

    Credit history is one factor insurers can look at to help determine your car insurance premiums. You don’t need perfect credit to get a good insurance rate since insurers consider nearly a dozen other individual rating factors as well. A better credit score will typically lower your costs, though. A poor credit score is anything that falls below 630, while an excellent credit score is anything above 720.

  • Is New Jersey a no-fault state?

    Yes. New Jersey is a no-fault state and uses PIP, or personal injury protection, which is medical coverage for your and your passengers’ injuries due to an accident. In the 12 no-fault states, both drivers’ insurance companies pay for medical costs regardless of who caused the accident.

Insurify Insights

How New Jersey Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in New Jersey below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how New Jersey drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in New Jersey

#49

State with the Most Speeding Tickets Rank

#47

State with the Moving Violations Rank

#47

State with the Most DUIs Rank

#41

State with the most Suspended Licenses

  • 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. New Jersey is the #42 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #42
    • Percent of drivers in New Jersey with an accident: 6.9%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New Jersey is the #47 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #47
    • Percent of drivers in New Jersey with a DUI: 0.8%
  • 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. New Jersey is the #20 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #20
    • Percent of drivers in New Jersey with a reckless driving offense: 1.4%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. New Jersey is the #17 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #17
    • Percent of drivers in New Jersey with a rude driving violation: 1.8%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. New Jersey is the #49 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #49
    • Percent of drivers in New Jersey with a speeding ticket: 4.7%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New Jersey is the #11 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #11
    • Percent of drivers in New Jersey with a failure to yield violation: 0.2%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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. New Jersey Department of Banking and Insurance, Office of the Commissioner. "Bulletin No. 22-09." Accessed July 31, 2023
  2. State of New Jersey Department of Banking and Insurance. "Get Legal with New Jersey's Basic Auto Insurance Policy." Accessed July 31, 2023
  3. New Jersey Department of Banking and Insurance. "Standard Auto Insurance Policy." Accessed July 31, 2023
  4. Department of Banking and Insurance. "New Jersey Auto Insurance Buyer's Guide." Accessed April 28, 2023
  5. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed April 28, 2023
Choncé Maddox
Choncé Maddox

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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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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