Best Car Insurance in New Jersey (2026)
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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Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
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 | 4.1 |
|---|---|
| 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. | $296/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. | $373/mo |
4.1
Best choice in New JerseyBased on 18,454 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Showing 37 reviews from New Jersey driversSee all 7,608 State Farm reviews
Verified Review
Reviewed in New Jersey on May 12, 2026
I was with State Farm for 40 years and, as a faithful customer, I was disappointed by the high prices I was paying. When I contacted my agent to inform them that I was switching to another company, they seemed indifferent and did not ask what they could do to keep me with State Farm. There was no reaction.
Verified Review
Reviewed in New Jersey on May 5, 2026
The price is too high and it increases every 6 months.
Verified Review
Reviewed in New Jersey on April 29, 2026
The company is good, but the agent you pick is what makes the difference.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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++
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 | 4.3 |
|---|---|
| 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. | 9.1 /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. | $51/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. | $103/mo |
4.3
Best choice in New JerseyBased on 3,719 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Showing 8 reviews from New Jersey driversSee all 1,586 USAA reviews
Verified Review
Reviewed in New Jersey on May 29, 2026
Use the driver safety feature on your vehicle to get a discount per your trip.
Verified Review
Reviewed in New Jersey on March 29, 2026
USAA is the best insurance company in America in my opinion.
Verified Review
Reviewed in New Jersey on February 17, 2026
Very unhappy. I've been with the company for years. I get no discount, and I don't think they help veterans with their high rates. I am getting lower quotes from everybody else.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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++
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 | 4.4 |
|---|---|
| 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. | 7.1 /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. | $85/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. | $212/mo |
4.4
Best choice in New JerseyBased on 1,383 verified driver reviews and ratings
The General's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Showing recent national reviewsSee all 560 The General reviews
Verified Review
Reviewed in Pennsylvania on May 28, 2026
They wrote the policy without collision coverage.
Verified Review
Reviewed in Utah on May 18, 2026
I like the General. They are reliable and very easy to get a hold of if you have any questions, problems, or claims. I would and have recommended them to people.
Verified Review
Reviewed in West Virginia on May 16, 2026
I don't like that my payment went from $113 to $118 after being with them for quite a while. You would think the payment would go down, not up.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
585
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.51
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
Why 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. | $72/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. | $148/mo |
4.0
Best choice in New JerseyBased on 10,931 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Showing 29 reviews from New Jersey driversSee all 4,467 Allstate reviews
Verified Review
Reviewed in New Jersey on May 27, 2026
Not happy with AllState. All they do is raise their prices, and I have no claims. When I ask for assistance, I have to give up something to get a better rate. They are not very helpful in driving down costs.
Verified Review
Reviewed in New Jersey on April 26, 2026
We were with Allstate for over 10 years, and they kept raising our premium. We switched from Allstate to Progressive Direct and saved over $900 for a 6-month period.
Verified Review
Reviewed in New Jersey on April 20, 2026
I'm not happy that the price keeps rising every 6 months. I drive less than 5,000 miles a year between 5 cars, and I am 62 years old.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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-
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 | 3.9 |
|---|---|
| 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. | 9.2 /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. | $227/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 |
3.9
A solid option in New JerseyBased on 18,521 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Showing 75 reviews from New Jersey driversSee all 7,782 GEICO reviews
Verified Review
Reviewed in New Jersey on May 29, 2026
I've been a member since July 2024 and have never made a claim, but the price keeps rising. They are overcharging.
Verified Review
Reviewed in New Jersey on May 13, 2026
Way too expensive for a driver who has had no tickets for the last 18 years!
Verified Review
Reviewed in New Jersey on May 3, 2026
Way too expensive for someone who's not had any violations in the last 15 years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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++
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 $182 per month, which is higher than the national average of $98. For full-coverage insurance, the average is $255 per month in New Jersey, which is slightly lower than the U.S. average of $186.
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 $218 per month for car insurance. The average cost by coverage level is $182 per month for liability and $255 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.
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 BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert