Best Car Insurance in New Jersey (2026)
NJM, CSAA, and Plymouth Rock are some of the best auto insurance companies in New Jersey.
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Written byLindsay Frankel
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Lindsay FrankelInsurance Writer
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
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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.
Best car insurance companies in New Jersey
To help you choose the best auto insurance company for your needs, Insurify analyzed 120+ based on price, customer service, coverage for New Jersey drivers, and other factors. These are our top picks for the best car insurance in New Jersey.
NJM: Best overall
| User Reviews | 4.2 |
|---|
4.2
Best choice in New JerseyBased on 148 verified driver reviews and ratings
NJ Manufacturers's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about NJ Manufacturers
Drivers appreciate the friendly service and efficient claim handling but dislike the significant rate increases and overall high prices.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Showing recent national reviews
Verified Review
Reviewed in New Jersey on October 22, 2025
I was a customer for 25 years until they raised my premium by over $300 a year.
Verified Review
Reviewed in New Jersey on September 21, 2025
Okay, but I want a lower rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
711
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.19
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
NJM offers some of the cheapest car insurance rates in New Jersey for both full-coverage and liability-only insurance, even for teen drivers and high-risk drivers. Plus, the company scores second-best in the Mid-Atlantic region for customer satisfaction, according to J.D. Power. NJM also offers a discount for buying a full-coverage auto policy.
Pros
Low rates in New Jersey
Trustpilot rating of 4.7 out of 5 stars
A+ financial strength rating from AM Best
Cons
Fewer coverage add-ons than some competitors
No mobile app claims
No live chat support
CSAA: Best for liability-only insurance
| User Reviews | 4.6 |
|---|---|
| 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. | 8.5 /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. | $132/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. | $190/mo |
4.6
Best choice in New JerseyBased on 2,361 verified driver reviews and ratings
CSAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Showing recent national reviews
Verified Review
Reviewed in Michigan on May 3, 2026
Great rates, friendly customer service.
Verified Review
Reviewed in Missouri on April 5, 2026
Check rates first, then choose.
Verified Review
Reviewed in Michigan on March 21, 2026
Contact and conversation prior to completing the deal are great. I personally feel insulted by the lack of cooperation after requesting a complete outline and explanation for my completely overcharged policy. I know for a fact that my driving and claims history is exceptional as I am a former state trooper and US Air Marshal. I am currently paying more with one vehicle insured than I previously paid for two. I have yet to receive the phone call as requested to explain the high rates given my professional background and history. To say I am frustrated with MEEMIC (AAA) is grossly understated.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28
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
CSAA is among the cheapest auto insurers in New Jersey, according to Insurify data. Liability-only insurance from the company is particularly affordable, especially for drivers in their 50s and 60s. CSAA also has a high J.D. Power rating for customer satisfaction relative to other insurers in the Mid-Atlantic region. Plus, you can earn stackable discounts for being a member of AAA and switching from another insurer.
Pros
Well-rated for claims satisfaction
A (Excellent) AM Best financial strength rating
Discounts and other benefits with AAA membership
Cons
High full-coverage rates for teens
Not available in every state
Fewer auto insurance discounts than some competitors
Plymouth Rock: Best for new cars and young drivers
| User Reviews | 3.9 |
|---|---|
| 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. | $136/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. | $210/mo |
3.9
A solid option in New JerseyBased on 317 verified driver reviews and ratings
Plymouth Rock's score | Industry average | |
|---|---|---|
| Coverage options | 3.4 | 3.2 |
| Customer service | 2.9 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Plymouth Rock
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Showing 5 reviews from New Jersey driversSee all 139 Plymouth Rock reviews
Verified Review
Reviewed in New Jersey on July 28, 2026
They didn’t ask me if I wanted online communication; they just did it. Every time I need to access my account, it’s locked, and I have to either reset my password or call in and speak to someone through the automated system. I complained to customer service, and I have to remember each month because my policy has been canceled due to their failure to process it, so I was reinstated. It feels like it’s designed on purpose.
Verified Review
Reviewed in New Jersey on April 16, 2026
Call and compare your rates.
Verified Review
Reviewed in New Jersey on March 23, 2026
Having trouble talking directly to my agent and getting new prices/info. Haven't had serious issues with them, but prices will determine if I stay.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.29
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).
NR
Why we picked this company
Plymouth Rock charges affordable car insurance premiums in New Jersey, particularly for young drivers. It also offers a new driver family discount and multiple student discounts. New Jersey educators can also qualify for a discount and other benefits. The company also offers great coverage options for new vehicles, including gap insurance and new-car replacement coverage.
Pros
Trustpilot rating of 4.4 out of 5 stars
Offers accident forgiveness
Safe driving telematics discount program
Cons
Below-average J.D. Power regional rating
High number of complaints with the National Association of Insurance Commissioners (NAIC)
No vehicle equipment discounts
Progressive: Best for coverage options
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | 8.7 /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. | $177/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. | $260/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Showing 69 reviews from New Jersey driversSee all 8,829 Progressive reviews
Verified Review
Reviewed in New Jersey on July 27, 2026
No issues at all. When I have a question, they’re there to answer.
Verified Review
Reviewed in New Jersey on July 27, 2026
$550 a month for one car is insane. After six months with no accidents or tickets, and being enrolled in their Snapshot program with a B+ rating, my policy still went up $100.
Verified Review
Reviewed in New Jersey on July 27, 2026
The price has gone up considerably, even though I haven’t had any accidents or changes to my commute. Since I started about 3 and a half years ago, my annual premium is up by over $1,000.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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
Progressive offers specialized coverage options that may appeal to New Jersey drivers, who typically have longer commutes than the national average. You can customize your policy with trip interruption coverage, which covers lodging costs related to breakdowns, and vehicle protection coverage, which pays for some non-accident-related repairs in newer cars.
Progressive policies automatically include pet injury coverage. It also offers small accident forgiveness automatically to new customers, and you can earn large accident forgiveness through the company’s loyalty rewards program.
Pros
Multiple payment discounts
Safe driving telematics program
A+ financial strength rating from AM Best
Cons
Below-average J.D. Power regional rating
Higher rates than some competitors
Mixed customer service reviews
GEICO: Best for discounts
| 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. | 9.2 /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. | $224/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. | $288/mo |
4.0
Best choice in New JerseyBased on 19,807 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 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 7,997 GEICO reviews
Verified Review
Reviewed in New Jersey on July 27, 2026
Too expensive, and no discounts were offered.
Verified Review
Reviewed in New Jersey on July 24, 2026
GEICO raises premiums every six months, even though I have an excellent record.
Verified Review
Reviewed in New Jersey on July 23, 2026
I wouldn’t keep it long because the price goes up instead of down.
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
GEICO isn’t the cheapest car insurance company on our list, according to Insurify data from New Jersey drivers. But the company offers an extensive list of discounts, including unique affiliation discounts for military members, federal employees, and members of certain groups.
You can also get a discount for safe driving behavior with the DriveEasy telematics program, which earned high marks for customer satisfaction from J.D. Power in 2025.
Pros
A++ financial strength grade from AM Best
Low NAIC complaint index
Generous clean driving record discount
Cons
Below-average J.D. Power regional rating
Few coverage add-ons
High rates for teens and high-risk drivers
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.
Average cost of car insurance in New Jersey
The overall average monthly car insurance premium in New Jersey is $218, which is higher than the national average of $142. Full-coverage car insurance in New Jersey averages $254 per month, and liability-only coverage is $183 per month.
Individual premiums vary based on your age, vehicle, driving record, and other factors, so you can often snag a cheaper premium by comparing quotes.
Multiple factors make New Jersey car insurance more expensive.
Higher prices for labor and auto parts drive up the cost of claims, which has led the state to approve several insurance rate increases since the pandemic.
The Reason Foundation’s Annual Highway Report also ranks New Jersey as the worst state for traffic congestion, which increases the risk of car accidents.[2] Higher accident risks lead to higher car insurance premiums.
New Jersey premiums skyrocketed 20% over the last year, and new, higher minimum coverage limits likely contributed to that increase. The state’s share of uninsured drivers also increased significantly between 2017 and 2023.
Compare New Jersey Auto Quotes
Rates start at $125/mo. for minimum-coverage policies
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How to get the best car insurance in New Jersey
New Jersey’s car insurance market can be complex and confusing for drivers. In addition to being a no-fault state, New Jersey also allows drivers to choose three different types of policies: a standard policy, a basic policy, and a Special Automobile Insurance Policy (SAIP). Here’s how to get the best car insurance at the best price available to you in New Jersey.
Choose the right policy type to protect your assets
New Jersey’s basic policy costs less and meets minimum coverage requirements, but a standard policy offers better coverage. Purchasing a standard policy allows you to buy enough bodily injury liability and property damage liability coverage to protect your assets in a lawsuit and to add uninsured/underinsured motorist coverage. And an SAIP provides only medical car insurance for qualified Medicaid recipients.[3]
Coordinate your personal injury protection (PIP) with your health insurance
You can save money on car insurance by choosing your health insurance company as primary or choosing a higher deductible for your PIP coverage, according to the New Jersey Department of Banking and Insurance. But you should first ensure you have adequate health insurance for accident-related care with manageable out-of-pocket costs.
Consider limitations on your ability to sue
New Jersey drivers can choose a “limited right to sue” policy. Your premium will likely be lower, but you’ll be able to sue for pain and suffering only in cases of permanent injury or fatalities.[4]
Take a state-approved defensive driving course
New Jersey law requires insurance companies to offer a discount to drivers who complete a state-approved defensive driving course. The discount lasts for three years, and online courses cost about $20 or less, so it’s typically well worth it. The course can also remove up to two points from your driving record.[5]
Consider bundling your insurance policies
If you’re happy with your renters or homeowners insurance company, ask about bundling your home and auto policies. You can typically earn a discount. And covering more than one car with a single auto policy could qualify you for a multi-car discount.
Compare car insurance quotes
Comparing quotes from multiple New Jersey auto insurance companies will help you find the best coverage at the lowest price. You can use a car insurance comparison site to save time and view your options side by side.
Best car insurance in New Jersey FAQs
If you still have questions about how to find the best New Jersey car insurance policy, check out these common questions that Garden State residents ask about buying auto insurance.
What are the top-rated car insurance companies in New Jersey?
NJM is our top pick for the best overall car insurance company in New Jersey based on cost, customer satisfaction, financial strength, and other factors. It’s also J.D. Power’s top-rated company in the Mid-Atlantic region to offer policies in New Jersey.[6] CSAA and State Farm are also highly rated companies for customer satisfaction in the region.
What company has the lowest auto insurance rates in NJ?
NJM has the lowest average auto insurance premiums in New Jersey, according to Insurify data. Its liability-only average for drivers with a clean record is $125 per month. NJM has the lowest average rates for most driver profiles, including teen drivers and drivers with car accidents or DUIs on their driving record. But the cheapest car insurance company for you depends on your age, vehicle, ZIP code, coverage choices, and other factors.
What factors should you consider when choosing the best car insurance in New Jersey?
Affordability is important, but the cheapest car insurance in New Jersey isn’t necessarily the best. Ensure the company you choose offers the coverage you need, and evaluate the company’s reputation for customer satisfaction and financial strength. You should also check customer reviews on third-party websites like Trustpilot.
Is New Jersey a no-fault state for car insurance?
Yes, New Jersey is a no-fault state for car insurance. New Jersey drivers must buy property damage liability coverage to pay for any damages they cause to other vehicles in an accident, personal injury protection (PIP) to pay for their own medical expenses in an accident, and uninsured motorist coverage if they get into an accident with another driver who has no insurance.
Sources
- Jdpower.com. "2023 U.S. Insurance Shopping Study."
- Reason Foundation. "Annual Highway Report."
- New Jersey Department of Banking & Insurance. "Special Automobile Insurance Policy (SAIP)."
- New Jersey Department of Banking & Insurance. "Controlling the Cost of Auto Insurance."
- New Jersey Motor Vehicle Commission. "Driver Programs."
- J.D. Power. "Auto Insurers Struggle to Maintain Seamless Interactions Across Channels, JD Power Finds."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
- 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.
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Drivers in New Jersey pay an average of $183 per month for liability insurance and $254 per month for full-coverage insurance.
Cheapest Car Insurance in New Jersey (July 2026)
NJM is the cheapest car insurance company in New Jersey, with an average rate of $125 per month for liability-only coverage.
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Cheapest Car Insurance Quotes in Bloomfield, New Jersey (July 2026)
NJM is the cheapest insurer in Bloomfield, with an average monthly liability rate of $122. Bloomfield’s average crime rate declined in 2026, which could help explain why its car insurance premiums are lower than those in other New Jersey cities.
)
Cheap Car Insurance Quotes in Jersey City (July 2026)
The cheapest car insurance in Jersey City comes from NJM, with an average liability rate of $138 per month. Jersey City’s high population density and proximity to a major metro area put upward pressure on local car insurance rates.
Cheap Car Insurance Quotes in Newark (July 2026)
The cheapest car insurance in Newark, New Jersey, comes from NJM, at an average of $182 per month for a liability-only policy. But Newark’s high levels of freight and tourism traffic, winter weather, and high number of ticketed drivers make full coverage a good idea for city drivers.
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The cheapest car insurer in Paterson, NJ, is NJM, with an average monthly rate of $177 for liability-only coverage. Paterson’s proximity to I-80 and high population density affect its car insurance premiums.
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NJM offers the cheapest liability-only car insurance in Toms River, at $109 per month. Heavy summer beach traffic heading to the barrier islands increases collision risk, raising what drivers pay.
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NJM offers the cheapest car insurance in Trenton, with liability rates around $140 per month. New Jersey’s capital city packs more than 91,000 people into its roughly 7.5 square miles, leading to traffic congestion and high accident risks.
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Lindsay FrankelInsurance Writer
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
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