Cheap Full-Coverage Car Insurance in New Jersey (2026)

Cheapest full-coverage car insurance in New Jersey

Full-coverage New Jersey car insurance costs $254 per month, on average. NJM offers the cheapest full-coverage policies in the Garden State. The table below shows full-coverage car insurance quotes from top auto insurers in New Jersey.

The below rates in New Jersey are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Full Coverage
NJM	$158
CSAA	$190
Plymouth Rock	$210
Progressive	$260
GEICO	$288
Mercury	$296
Liberty Mutual	$321
State Farm	$369
Travelers	$476

Disclaimer: Table data sourced from real-time New Jersey car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in New Jersey may vary based on the policy buyer's unique driver profile.

How much is full-coverage insurance in New Jersey?

Full-coverage car insurance in New Jersey costs $254 per month on average, according to Insurify data. This is substantially more expensive than the national average of $186 per month.

New Jersey is a no-fault state that requires personal injury protection (PIP) for all drivers. This required coverage, and the state’s very high population density, heavy traffic, and high rate of uninsured drivers push New Jersey’s rates up.

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How to find cheap full-coverage car insurance in New Jersey

Full-coverage car insurance provides greater financial protection for your vehicle since it includes collision and comprehensive coverage. Collision insurance pays for damage if you have an accident with another vehicle or an object. Comprehensive coverage pays for vehicle theft and damage from non-collision accidents, like a tree falling on your car or damage from floodwaters.

Because it provides more robust coverage than a liability-only policy, full coverage costs more. Here are some ways to decrease your insurance bill while maintaining full coverage:

• Hunt for discounts. Ask your agent or insurer what discounts you may qualify for. For example, if you have a student in your family, you may be able to get a discount if they maintain a B average or better.^[2]

• Bundle with homeowners or renters insurance. Most insurance companies offer a multi-policy discount if you get two or more policies with them. Bundling auto with homeowners or renters insurance can yield significant savings.

• Compare quotes. Getting quotes from multiple insurers can help you find the coverage you need at the cheapest price available to you. Just be sure you compare the same policy limits, deductibles, and coverage options.

• Take a defensive driving course. Your driving record is a significant factor in how much you pay for car insurance. New Jersey requires insurance companies to offer you a discount if you finish a state-approved driving course.

• Adjust your deductibles and PIP limits. If you lower your PIP limits or raise your deductible, your overall rate will go down. Taking a higher deductible for collision and comprehensive coverages will also ease your premiums, but check that it makes financial sense to do so. You should be able to comfortably cover your deductible amounts out of pocket if you need to file a claim.

What full-coverage car insurance covers

While “full coverage” isn’t an official policy type, agents know what you mean when you ask for full coverage. Here are the components of New Jersey full-coverage car insurance and what each part covers:

Bodily injury liability

Pays for medical bills, lost wages, and other damages that you cause others in an at-fault accident. If you have full coverage on a standard New Jersey auto policy, it’ll include at least the state minimum required amount. If you choose a basic policy, you’ll have the option to add $10,000 of bodily injury coverage to your policy.



Property damage liability

Pays for damages to other people’s property in an accident that you cause. Both basic and standard New Jersey policies include this coverage, but at different limits.



Personal injury protection (PIP)

Pays your medical bills and some other costs that you suffer from a car accident, regardless of who’s at fault. This required coverage is what makes New Jersey a no-fault state.



Comprehensive coverage

Covers non-collision damage to your vehicle, including vandalism, falling objects, hitting an animal, and damage from extreme weather like hail or wildfire. It also pays if someone steals your car.



Collision coverage

Protects your car when it’s damaged in a collision, whether that’s with another car, a telephone pole, or something else.

Minimum vs. full-coverage car insurance in New Jersey

While New Jersey law requires every driver to buy liability car insurance coverage, you have the choice of how much coverage to purchase. New Jersey liability-only coverage is enough to get you driving legally. But a full-coverage policy protects you in a much wider variety of situations. Here’s a rundown of how the two coverage types compare:

Factor	Liability Only	Full Coverage
Average cost in New Jersey	$183	$254
Covers damage to your own car	No	Yes
Covers damage to other car	Yes	Yes
Covers your car if it’s stolen	No	Yes
Covers damage to your car if you hit something, like another car, a deer, or a telephone pole	No	Yes
Covers your car if it’s damaged in a hit-and-run	No	Yes
Covers windshield damage and replacement	No	Yes
Covers your car in a flood or fire	No	Yes

Disclaimer: Table data is based on real-time New Jersey quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Full-coverage car insurance is a necessity if you financed or leased your vehicle — the finance company will require you to buy it. But it’s also a good idea to have full coverage on a high-value vehicle even if it’s paid off. Repairs on new, higher-value vehicles can be expensive.

Liability-only coverage, on the other hand, is best for older, low-value, fully-paid-for vehicles.

Is full-coverage car insurance worth it in New Jersey?

Full-coverage car insurance in New Jersey can be worth buying if you’ve financed or leased your vehicle, you drive a high-value vehicle, or you would struggle financially to repair or replace it on your own if you cause an accident.

To understand if full coverage makes sense for you, imagine you’re in a serious at-fault car accident with a minimum-coverage policy. The person you hit also has minimum coverage. Here’s an example of how the costs could play out:

• $20,000 in medical bills and lost wages for the person you hit. The other person’s PIP coverage pays $15,000, but you opted for a basic policy with no bodily injury liability coverage. You owe $5,000 out of pocket.

• $12,000 in damage to other people’s property. Your minimum coverage pays $5,000. You pay $7,000 out of pocket.

• Your medical bills are $18,000, but you have to take three unpaid weeks off from work. Your PIP coverage pays $15,000. You pay $3,000 out of pocket with no compensation for lost wages.

• Your car’s damaged and needs $4,000 of repairs.

• Total out-of-pocket costs: $19,000 plus three weeks of lost pay.

A full-coverage auto policy with higher liability limits could reduce these damages to just the relevant deductibles — only a few thousand dollars, or less.

Pros and cons of full-coverage car insurance in New Jersey

If you’re considering full-coverage New Jersey car insurance, here are some advantages and disadvantages to consider.

Full-coverage car insurance in New Jersey FAQs