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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Excellent
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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
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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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
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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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, 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 | 4.0 |
|---|---|
| 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. | 9.3 /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. | $297/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. | $376/mo |
4.0
Best choice in New JerseyBased on 17,962 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey 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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Customer service
Competitive rates
Discounts for safe drivers
Showing 37 reviews from New Jersey drivers - See all 7,527 State Farm reviews
Neil
Verified Review
Good Buy!
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.
Arunkumar
Verified Review
Excellent
Reviewed in New Jersey on May 5, 2026
The price is too high and it increases every 6 months.
Norman
Verified Review
Car Insurance
Reviewed in New Jersey on April 29, 2026
The company is good, but the agent you pick is what makes the difference.
June
Verified Review
Service was prompt and efficient. The only reason I’m looking for another insurance company is the cost.
Reviewed in New Jersey on April 25, 2026
Service was prompt and efficient. The only reason I’m looking for another insurance company is the cost.
Luvann
Verified Review
Too High
Reviewed in New Jersey on April 24, 2026
It's just way too much money, even with my mom being a customer for so many years.
Mario
Verified Review
Good
Reviewed in New Jersey on April 24, 2026
They have been really good these two years.
Frederico
Verified Review
Decent Coverage for Everyday Needs
Reviewed in New Jersey on April 24, 2026
My experience with my current car insurance was really good. Just wish that my policy price would drop somewhat, that's all.
Josif
Verified Review
Thank You for Service!
Reviewed in New Jersey on April 24, 2026
Very good service.
Artur
Verified Review
Price Change Warning
Reviewed in New Jersey on April 22, 2026
They gave me one price, and a month later it was increased!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | 9.1 /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 |
4.9
Best choice in New JerseyBased on 3,607 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey 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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Members of the military community
Outstanding customer service
Competitive rates
Showing 8 reviews from New Jersey drivers - See all 1,571 USAA reviews
Denise
Verified Review
Excellent
Reviewed in New Jersey on March 29, 2026
USAA is the best insurance company in America in my opinion.
Olivia
Verified Review
Unhappy with your rates
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.
James
Verified Review
USAA Could Be Better for Military Members and Their Families
Reviewed in New Jersey on February 7, 2026
Prices are too high. Military members and their families should get cheaper rates.
James
Verified Review
Could be cheaper for service people and their families. More live agents helping service persons and their families would be beneficial.
Reviewed in New Jersey on January 1, 2026
Could be cheaper for service people and their families. More live agents helping service persons and their families would be beneficial.
Alonzo
Verified Review
Poor Customer Service
Reviewed in New Jersey on December 13, 2025
I'm extremely unhappy with my new insurance company, Progressive Insurance. I lost coverage due to confusion over a payment, and I was without insurance for 4 months. Now, I'm paying double what I was paying the first time. I give your company a 1 out of 5 for poor service.
Denise
Verified Review
Overpriced
Reviewed in New Jersey on November 22, 2025
They used to be affordable, but they just keep raising their rates.
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 19, 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
Alberta
Verified Review
Excellent
Reviewed in New Jersey on May 28, 2025
It is good, just looking for a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 | 3.4 |
|---|---|
| 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 |
3.4
A solid option in New JerseyBased on 1,346 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey 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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
High-risk drivers
Robust mobile app
SR-22 insurance
Showing recent national reviews - See all 557 The General reviews
Mark
Verified Purchase
It's Insurance
Reviewed in Indiana on May 9, 2026
The cost is kind of steep.
Stacy
Verified Review
I like the bi-weekly payments, although there should not be a fee if more time is needed. Customer service is okay, and I think it would be worth it to provide renewal rates at least a month before renewal.
Reviewed in Georgia on May 9, 2026
I like the bi-weekly payments, although there should not be a fee if more time is needed. Customer service is okay, and I think it would be worth it to provide renewal rates at least a month before renewal.
Ellen
Verified Review
Too Expensive for Little Coverage
Reviewed in Georgia on May 7, 2026
Too expensive and they raised rates without explanation.
…
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.
3.51A.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 | 3.8 |
|---|---|
| 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 |
3.8
A solid option in New JerseyBased on 10,668 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey 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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Accident forgiveness
Wide availability
Cheap rates
Showing 29 reviews from New Jersey drivers - See all 4,437 Allstate reviews
Ronald
Verified Review
Save with Progressive Direct
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.
Ronald
Verified Review
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.
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.
Barry
Verified Review
Satisfaction?
Reviewed in New Jersey on March 31, 2026
My policy has increased by over 100% in less than 3 years.
Manilal
Verified Review
My experience is not good because you change the premium very often. My car's price is $15,000, and you charge $4,443 yearly, which is very high. You take the whole price of my car, a Kia Soul, within four years. It's not good.
Reviewed in New Jersey on March 29, 2026
My experience is not good because you change the premium very often. My car's price is $15,000, and you charge $4,443 yearly, which is very high. You take the whole price of my car, a Kia Soul, within four years. It's not good.
Jeffrey
Verified Review
Expensive
Reviewed in New Jersey on March 26, 2026
Allstate seems to be pricey.
Dominic
Verified Review
Good but expensive
Reviewed in New Jersey on March 20, 2026
Got too expensive for 2 vehicles.
Christopher
Verified Review
Continue to Raise Rates
Reviewed in New Jersey on March 15, 2026
They continue to raise rates, and my family has not had auto incidents in over 10 years.
Jitendra
Verified Review
It started out quite satisfactory. Things changed afterwards and I was not quite informed about
Reviewed in New Jersey on March 2, 2026
Check the coverage and the charges, including changes that can take place in the future based on your driving habits and any claims.
Barry
Verified Review
Not Happy
Reviewed in New Jersey on February 27, 2026
The premium has increased by 40% in one year and has more than doubled over four years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
624NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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. | 9.2 /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. | $229/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. | $297/mo |
4.0
Best choice in New JerseyBased on 18,101 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey 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.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from New Jersey drivers - See all 7,726 GEICO reviews
Raoul
Verified Review
Disappointed with GEICO
Reviewed in New Jersey on May 3, 2026
Way too expensive for someone who's not had any violations in the last 15 years.
Elmer
Verified Review
Expensive for no reason
Reviewed in New Jersey on May 1, 2026
After years of being a customer with no claims and a clean driving record, it has become too expensive.
Jean
Verified Review
Can't afford it
Reviewed in New Jersey on April 27, 2026
I haven't had any accidents, and I've been with you a long time, yet my insurance went up $100. I will be looking around.
Rachel
Verified Review
Customer service was very helpful and helped me cut the cost of my expenses
Reviewed in New Jersey on April 25, 2026
It is fair.
Jesse
Verified Review
They don't care about you.
Reviewed in New Jersey on April 24, 2026
I've been with Geico for 25 years. They don't care about you; you're just a monthly payment to them. Zero points, zero at-fault accidents, yet the premium keeps going up and up. I had one accident where I was hit from behind, and they wouldn't help me get my deductible back from the other driver's insurance company. They told me to do it myself! When I finally got a supervisor on the phone, after a few hours, she told me it's not worth their time and money to help me because it was only $2800 in damages to my car. Maybe not worth it to them, but the $1000 deductible I paid out of pocket was a big hit for me when I was the victim. What am I paying them for? When comparing rates, I found several policies that were less for the same coverage and with a $500 deductible compared to $1000 with Geico. When I asked them to match the price and deductible, they said go ahead and switch! So much for being a faithful customer for 2 1/2 decades.
Kayla
Verified Purchase
Get their money
Reviewed in New Jersey on April 20, 2026
Sign up and you only get a cost without knowing your coverage. They don't even send you a full description of your policy.
Romaiky
Verified Review
Not the best
Reviewed in New Jersey on April 18, 2026
They don't give discounts to established customers, even though other places give me more than a 50% discount.
Vincent
Verified Review
Too Expensive!
Reviewed in New Jersey on April 16, 2026
It's gotten too expensive and we've been long-term customers.
Richard
Verified Review
Best Auto Insurance Value: GEICO
Reviewed in New Jersey on March 23, 2026
Excellent. More coverage at a lower cost than any other company!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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 $181 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 $187.
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 $181 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.
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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."
)
Anna BaluchAuto and Home Insurance Writer
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.
Featured in
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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
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
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.