3+ years experience in insurance and personal finance editing
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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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.
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.
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.
$186/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$298/mo
4.2
Best choiceBased on 9,480 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,221)
Gail
February 4, 2025
Verified Review
Changes Imminent
I have no tickets, no accidents, and everything is getting older, yet the prices keep going up. This isn't reasonable for anyone. This applies to all insurance companies.
Thomas
February 3, 2025
Verified Review
State Farm Rip Off
Expensive.
Fernando
February 3, 2025
Verified Review
Average
They are too expensive, but everything else is good.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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.
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.
$46/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.
$99/mo
4.9
Best choiceBased on 1,681 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (965)
Kevin
February 1, 2025
Verified Review
USAA is More Than an Insurance Company
They really look out for their members!
John
January 27, 2025
Verified Review
45 Years with the Same Insurance
Everything is good, except no one really knows you.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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 veterans, active-duty military members, and qualifying family members in New Jersey. The insurance company 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
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.
$109/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.
$217/mo
3.5
A solid optionBased on 757 verified guest reviews and ratings
How drivers feel about The General
Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.
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
Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (422)
Candace
January 27, 2025
Verified Review
Good and Easy
The process was easy.
Davida
January 22, 2025
Verified Review
Excessive Pricing for Senior Citizens
This company is the worst I have ever dealt with. My insurance coverage is excessively high and I just received a notification that it is increasing from $93.22 to $107.56 without any apparent good reason. I am in search of insurance that is less than $50. I don't earn a lot of money and cannot afford these high payments.
Melissa
January 22, 2025
Verified Review
Considering Switching Insurance
It's good insurance, I'm just looking for something cheaper.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.69
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
Focuses on 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
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.
$306/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.
$490/mo
4.0
Best choiceBased on 5,874 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
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 initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,206)
David
February 3, 2025
Verified Review
Thanks for Sharing My Opinion
I think the overall price for coverage is too high. I have 4 vehicles and only 2 drivers. One of those drivers hardly leaves the house unless she is with me, so we don't drive all 4 all the time. I understand the problems with all the lost vehicles and claims, but I don't feel I should have to foot the bill on the vehicles I have that only have liability. I also think you should give a discount for customers that have been loyal and long-lasting customers. Instead, our premiums go up every six months. As far as the ability to file a claim, you're pretty good.
Isaac
February 1, 2025
Verified Review
Unfair Treatment by Claims Department
I was not treated fairly by some of the individuals in the claims department. I had a legitimate claim that the adjuster was aware of, yet I was given low settlement offers. Interestingly, my next-door neighbor had the same policy and identical damages, but they were offered and settled for four times the amount I was offered. This was not a pleasant experience at all. I am more than willing to provide a detailed report if you are interested.
Brian
January 29, 2025
Verified Review
Cool
The rate decreases every 6 months and it's the cheapest car insurance with the lowest deductible.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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 company has many agents based throughout the 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]
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.
9.0 /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.
$101/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.
$162/mo
4.0
Best choiceBased on 10,649 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,855)
Elvin
February 4, 2025
Verified Review
My Thoughts
It was great. However, after being with them for so long and maintaining a good record, you would think that they would offer some kind of discount. Unfortunately, they do not offer discounts. That's the only problem I have with them. I felt that I should have been rewarded for being such a great driver and being so loyal to them. Other than that, it's five stars all the way around.
James
February 3, 2025
Verified Review
Geico
They're okay. A little expensive.
Dennis
February 3, 2025
Verified Review
No Fair Shake
While they have provided me with the best policy for the price I'm paying, I feel all insurance companies are overcharging for their policies. I believe I've paid more than enough to rebuild my car several times over.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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
Around 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 can ensure coverage renews automatically and premiums stay the same.
Pros
Accident forgiveness available
Advertised discounts for senior drivers
Intuitive mobile app
Cons
Gap insurance not available
Fewer add-on coverages than other insurers
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
Compare real quotes in minutes
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Based on 3,806+ reviews
4.8/5
Average cost of car insurance in New Jersey
The average cost of liability car insurance in New Jersey is $134 per month, which is higher than the national average of $105. For full-coverage insurance, the average is $167 per month in New Jersey, which is slightly lower than the U.S. average of $199.
The state of New Jersey recently increased the minimum liability coverage requirements, which likely increased the cost of premiums for some Garden State drivers who had to increase their personal liability coverage limits.
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 $151 per month for car insurance. The average cost by coverage level is $134 per month for liability and $167 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]
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.
3+ years experience in insurance and personal finance editing
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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