Best Car Insurance in New Jersey (2025)
State Farm, USAA, and The General are three of the top insurers in the Garden State.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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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.
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Table of contents
Table of contents
Shopping for car insurance can be difficult because every driver has their own unique budget and priorities. To make your search for the ideal coverage a bit easier, Insurify analyzed 50 car insurance companies to identify the best options in New Jersey.
Here’s what you need to know about the best car insurance companies in New Jersey.
Best car insurance companies in New Jersey
You should always compare quotes and coverage options from multiple car insurance companies before buying or renewing an auto policy. Here’s an overview of the offerings from five leading car insurers in New Jersey.
Best insurer for young drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $218/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. | $306/mo |
4.2
Best choiceBased on 11,128 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,002)
Jane
May 19, 2025
Verified Review
State Farm is too expensive
I was with them for over forty years, but my insurance kept going up. I was paying $400.00 a month, so I had to leave.
Richard
May 18, 2025
Verified Review
Customer service a lost cause
I've been with them for over 25 years, and a few years ago, my agent retired, and the customer service went completely downhill. My former agent would call just to say hi and ask if there was anything I needed. The new agent and I have rarely talked, maybe 2-3 times in 4-5 years. I also tried to get a lower rate because I have multiple cars, but I never heard back, and they just increased the prices.
Jimi
May 16, 2025
Verified Review
Average
No response to the email sent to the agent. Unable to get the status of a claim. Premium increased.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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++Why we picked this company
Teenagers younger than 18 make up nearly 22% of New Jersey’s population, according to data from the U.S. Census Bureau.[1] State Farm offers a number of student-centric discounts, such as good student and student away at school discounts, making it a great option for teens and young drivers.
Pros
Discounts for teens and young drivers
Highly rated mobile app
Rideshare coverage available
Cons
Must work with a local State Farm agent to buy a policy
Accident forgiveness not available
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| 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. | $47/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. | $98/mo |
4.9
Best choiceBased on 2,072 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,183)
Rosemarie
May 16, 2025
Verified Review
Fair
More reasonable prices.
John
May 15, 2025
Verified Review
Agents are quick to respond.
Great! They are very attentive to my needs!
Debra
May 15, 2025
Verified Review
Only Okay
Customer service is pretty hands-off. Our homeowner's policy went up a huge amount this year. I'll need to go shopping again, which is not what I like to do.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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++Why we picked this company
USAA offers affordable car insurance rates specifically for active-duty military members, veterans, and qualifying family members in New Jersey. The fifth-largest U.S. auto insurer also advertises a number of discounts and a SafePilot telematics program that can make coverage even more affordable. The more than 285,000 veterans who live in New Jersey can likely benefit from USAA car insurance.[1]
Pros
High customer satisfaction ratings
SafePilot program can save drivers up to 30%
Accident forgiveness available
Cons
Only available to members of the military community
Gap insurance not available
Discount opportunities vary by state
Best insurer for high-risk drivers: The General
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3 /10 |
| 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. | $107/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. | $208/mo |
3.5
A solid optionBased on 866 verified guest reviews and ratings
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (466)
Tori
May 11, 2025
Verified Review
Great deal
Great experience. Fast, easy, and reliable.
Art
May 10, 2025
Verified Review
Good
If you're stuck trying to find insurance, then give them a chance. Otherwise, they're expensive.
Sharon
May 9, 2025
Verified Review
Not happy with the general
I have yet to receive a paper copy of my policy. I have no proof of insurance as I have requested. I don’t know my coverage amounts except for being told it is full coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.69A.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).
AWhy we picked this company
New Jersey had 654 auto accidents resulting in 691 fatalities during 2024.[2] If you’ve been responsible for causing a car accident in the state or have another violation on your record — such as a speeding ticket or DUI — The General may be a good option for affordable car insurance coverage. The company specializes in insurance for high-risk drivers and will even file your SR-22 form if you need one.
Pros
Provides car insurance for high-risk drivers
SR-22 filings in most states
Available nationwide
Cons
Drivers with good records may find cheaper insurance elsewhere
Fewer coverage options than competitors
Limited discounts for good drivers
Best insurer for personalized customer service: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| 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. | $358/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. | $503/mo |
4.0
Best choiceBased on 6,776 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,628)
Gary
May 22, 2025
Verified Review
Phatdaddy review
Excellent coverage; somewhat pricey.
Danny
May 17, 2025
Verified Review
Insurance Rate Increase
They increased my rate by $150 per month without any notice. I understand that prices can go up, but $150 per month feels excessive.
Ronald
May 16, 2025
Verified Review
Unexplained Rate Increases at Every Renewal
Auto insurance rates increase $50-$75 every 6 months. Homeowners insurance rates increase $700 yearly. All due to inflation, or so I'm told.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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+Why we picked this company
Allstate offers New Jersey drivers low premiums and a personalized customer service experience through local agents. The fourth-largest U.S. auto insurer has a distribution network of exclusive and independent agents across the Golden State, who can help provide prospective policyholders with information about different coverage levels and discounts. If you prioritize excellent service and prefer to seek assistance from a local representative, Allstate is worth considering.
Pros
Local car insurance agents throughout New Jersey
Offers Milewise, a pay-per-mile program
AM Best financial strength rating of A+ (Superior)
Cons
Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region[3]
Doesn’t have many unique add-on coverage options
Rates can be expensive for high-risk drivers
Best insurer for senior drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| 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. | $237/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. | $270/mo |
4.0
Best choiceBased on 11,898 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,410)
Carla
May 19, 2025
Verified Review
Perfect record, but keeps costing more.
Good through the years, but the cost keeps increasing.
Jt
May 16, 2025
Verified Review
Taken for Granted
I have been a long-time customer, and my rates keep going up. For a person who has a clean record, it's not fair.
Cuneyt
May 16, 2025
Verified Review
Geico increases premiums after Not-At-Fault Accidents
They increase your premium even if someone rear-ends your car!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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++Why we picked this company
Approximately 18% of New Jersey’s population is 65 or older. These senior residents may find affordable car insurance premiums with GEICO. The company’s Prime Time contract is for policyholders 50 and older without any violations in the past three years. It guarantees policy renewal and locked-in premiums.
Pros
Accident forgiveness available
Advertised discounts for senior drivers
Intuitive mobile app
Cons
Gap insurance not available
Fewer add-on coverages than some competitors
Below-average customer and claims satisfaction ratings from J.D. Power
Our editorial team analyzed regional and national auto insurance companies that sell policies in New Jersey to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in New Jersey
Follow these tips to find the best car insurance coverage for your needs in the Garden State:
Shop around
Request car insurance quotes from at least three different companies to find the right policy for your situation and needs. You should always compare premiums and coverage options before deciding on a policy.
Read reviews
Check out reviews from current and former policyholders. Look at third-party websites such as Google, Trustpilot, and the Better Business Bureau (BBB) to get an idea of each insurer’s reputation and customer service offerings.
Bundle policies
If you buy your car insurance with another type of coverage — such as homeowners insurance, renters insurance, life insurance, or business insurance — you can usually earn a bundling discount.
Explore usage-based insurance
Usage-based insurance, which some insurers offer, can save you money if you don’t drive often. In most cases, you’ll pay only for the miles you drive, plus a monthly base rate.
Find Cheap Car Insurance in New Jersey
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Average cost of car insurance in New Jersey
The average cost of liability car insurance in New Jersey is $148 per month, which is higher than the national average of $105. For full-coverage insurance, the average is $183 per month in New Jersey, which is slightly lower than the U.S. average of $195.
The state of New Jersey increased the minimum liability coverage requirements on Jan. 1, 2023, and a second phase of higher liability limits will be implemented on Jan. 1, 2026.
Best car insurance in New Jersey FAQs
The following information can help answer your remaining questions about finding the best car insurance in New Jersey.
How much is car insurance in New Jersey?
On average, New Jersey drivers pay $166 per month for car insurance. The average cost by coverage level is $148 per month for liability and $183 for full coverage.
What are the best car insurance companies in New Jersey?
State Farm, The General, and Allstate are a few good options to consider. But the best car insurer in New Jersey ultimately depends on your unique budget, needs, and preferences. You should always compare quotes from several insurance companies when looking for coverage.
What is the required auto insurance coverage amount in New Jersey?
New Jersey requires minimum liability insurance of $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 in property damage liability, and $15,000 in personal injury protection (PIP).[4] Although a second phase of higher liability limits will be effective on Jan. 1, 2026.
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Sources
- United States Census Bureau. "QuickFacts New Jersey; United States."
- New Jersey State Police. "Fatal Crash Statistics."
- J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
- State of New Jersey Department of Banking & Insurance. "Get Legal with New Jersey's Basic Auto Insurance Policy."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
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.