Cheapest Auto Insurance in Jersey City, New Jersey (2024)

CSAA offers the cheapest car insurance in Jersey City, with minimum-coverage policies as low as $103 per month.

Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated May 29, 2024

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Cheapest recent rates near Jersey City, New Jersey

Drivers using Insurify have found quotes as cheap as $87/mo for liability only and $87/mo for full coverage in Jersey City and other New Jersey cities.

*Quotes generated for Insurify users in and around Jersey City, New Jersey within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Jersey City, New Jersey within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

New Jersey’s second-largest city is also one of the most expensive for car insurance. Drivers in Jersey City pay an average auto insurance premium of $197 per month — a bit higher than the state monthly average of $165, according to Insurify data. The city’s proximity to New York City likely plays a large part in its higher auto insurance rates.

If you live in Jersey City, the good news is you still have plenty of affordable options in your area. Comparing quotes can help you find the best policy for your situation.

Quick Facts
  • CSAA, NJM, and Plymouth Rock have the cheapest car insurance in Jersey City.

  • Jersey City drivers pay a yearly average of $3,221 for full-coverage insurance.

  • New Jersey has a no-fault insurance law, meaning drivers aren’t required to carry bodily injury liability coverage but are required to carry personal injury protection.

3 of the cheapest car insurance companies in Jersey City

You have plenty of options for quality auto insurance companies in Jersey City. The following highlighted insurers rank at the top based on several factors, including average premiums, customer satisfaction, Insurify Quality (IQ) Scores, and available coverage and discounts.

While these three are the top overall companies for many Jersey City drivers, the best company for you will depend on your individual situation and needs.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
NJM4.7$133$90Low rates
State Farm4.6$310$211Customer satisfaction
Travelers4.5$400$272Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for low rates: NJM

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
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+
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.
$107/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.
$159/mo

NJM Insurance is a regional insurer that offers policies in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. NJM offers some of the lowest rates for New Jersey drivers. NJM also scored above average in J.D. Power’s 2023 U.S. Auto Insurance Study for overall customer satisfaction.

Pros
  • Affordable monthly premiums

  • Highly rated customer satisfaction

  • Possible dividend payments for policyholders

Cons
  • No mobile app

  • Not all discounts available in New Jersey

  • Can’t sign up for a policy online

Read our NJ Manufacturers review
James - May 17, 2024
Verified

Excellent

Shop around for price.

Rodney - March 6, 2020
Verified

Average

They were expensive, but they honored a claim.

Brandi - February 10, 2020
Verified

Good

They're accessible and easy to work with.

Best insurer for customer satisfaction: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$250/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.
$371/mo

State Farm is the nation’s top auto insurance company in terms of premiums written.[1] The company offers everything you’d expect of a large insurer, including many coverage and discount options. State Farm also has lower premiums than most New Jersey insurers. The company has the second-highest IQ Score and ranks in the top three for customer satisfaction from J.D. Power.

Pros
  • Highly rated customer satisfaction

  • Usage-based discount available

  • Top-rated financial strength[2]

Cons
  • No gap insurance

  • Fewer discounts than competitors

  • Has more complaints than expected[3]

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

Best insurer for discounts: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$324/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.
$481/mo

Travelers Insurance is an excellent option if you want an insurer with plenty of discounts. The company offers more discounts than its competitors. It’s also among the top 10 largest auto insurers in the nation and ranks near the top of J.D. Power’s rankings for overall customer satisfaction. Travelers also has lower rates than most in the state.

Pros
  • Highly rated customer satisfaction

  • Largest number of discounts

  • Most coverage options

Cons
  • Poor claims satisfaction[4]

  • Rideshare coverage not available in New Jersey

Read our Travelers review
John - May 29, 2024
Verified

Car Insurance Rate Review, May 2024

The service was fine, I was strictly shopping for rates.

Dylan - May 22, 2024
Verified

Billing Issues

I signed up to have my bill mailed to me, but I almost never received it. This caused me to be late on payments regularly.

Barbara - May 22, 2024
Verified

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

How to get the cheapest car insurance in Jersey City

Many factors affect your car insurance premiums, including your driving history, age, gender, vehicle, coverage type and limits, location, and more. While some of these factors may be out of your control, you can still do several things to save money on insurance, including:

  • Shop around. Don’t just assume the cheapest company overall will be the cheapest for you. Get quotes from multiple companies to ensure you find the one that offers the best rates for your specific situation.

  • Reconsider your car insurance coverage. A simple way to reduce your premiums is to reduce your coverage limits. But proceed with caution, because you don’t want your limits to fall below your needs.

  • Raise your deductible. You can lower your premiums by raising your deductible, the amount you’ll pay out of pocket before your insurance company covers the rest, up to your coverage limits.

  • Improve your credit. Generally speaking, the higher your credit score, the lower your insurance premiums. This means you can save money on premiums by increasing your credit score.

  • Save with discounts. Just about every top insurer offers discounts to help their customers save money. Common discounts include those for bundling your auto and renters or home insurance policies, having certain vehicle safety features, maintaining a safe driving record, and more.

Find Car Insurance in Jersey City

Liability rates start at $103 per month

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Cheapest liability-only car insurance in Jersey City: CSAA

Liability car insurance provides bodily injury and property damage coverage when you cause an accident that results in damages or injury to others. But it won’t cover any damage to your own vehicle in an accident or another incident.

Jersey City drivers pay a monthly average of $125 for liability-only auto insurance. Liability-only car insurance rates are the most affordable. Below, you can see the average liability-only quotes from insurers serving Jersey City.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
CSAA103
NJM107
Plymouth Rock109
GEICO136
Bristol West145
Foremost165
Mercury185
Midvale Home & Auto236
Progressive249
State Farm250
Travelers324
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Jersey City: NJM

Full-coverage car insurance is more expensive than liability-only insurance but provides you with more coverage. Full coverage generally includes collision and comprehensive coverages, which pay for damages to your vehicle from an accident or another incident. It also often includes uninsured motorist coverage, which applies if you’re in an accident caused by someone who doesn’t have insurance or lacks sufficient coverage.

Full coverage is more expensive. But it’s better for drivers who wouldn’t be able to replace their vehicles out of pocket if their car was totaled. Drivers in Jersey City pay a monthly average of $268 for full-coverage auto insurance.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
NJM159
Plymouth Rock161
CSAA172
GEICO202
Mercury220
Foremost293
Midvale Home & Auto328
State Farm371
Bristol West386
Progressive421
Travelers481
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in New Jersey

Like most states, New Jersey law requires that all drivers have a minimum amount of liability insurance.

New Jersey is also a no-fault state, which means that after an accident, all drivers file a claim for bodily injury with their own car insurance company, regardless of who’s at fault. Because of that, the state’s minimum insurance requirements look a bit different from other states.

Included in New Jersey’s required coverage minimums is personal injury protection (PIP). Each person’s PIP pays for their own injuries after an accident. This coverage replaces the bodily injury liability that most other states require.[5]

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Bodily injury liability

    • Not required

    • $10,000 coverage must be available as an option

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage liability

    • $5,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Personal injury protection

    • $15,000 per person, per accident

    • $250,000 for certain injuries, including brain injury, spinal cord injury, and disfigurement

When you opt for the minimum coverage, known as the basic policy, you also have a limited right to sue, which allows you to sue the at-fault driver of an accident only in certain situations. If you choose the standard policy, which has more expansive coverage, you can also opt for “unlimited right to sue,” which allows you to sue for any damages after an accident. The standard policy includes:

  • $25,000 per person and $50,000 of bodily injury liability coverage

  • $25,000 per accident of property damage liability coverage

  • $15,000 per person or accident of personal injury protection

  • Optional uninsured/underinsured motorist coverage

  • Optional collision coverage

  • Optional comprehensive coverage

Cheapest car insurance for drivers with an incident

If you have an incident on your driving history — such as an at-fault accident, speeding ticket, DUI, or another moving violation — then you’re likely to pay more for insurance.

The effect on your rates will depend primarily on the type of incident. The more serious the incident, the higher the rate increase. For example, a DUI is likely to increase your rate far more than a speeding ticket.

In the following sections, you’ll see how each incident type affects the rates you receive from the top insurers in Jersey City.

Find Cheap Car Insurance in Jersey City

Monthly rates start at $136 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: CSAA

A speeding ticket in New Jersey is likely to increase your insurance premiums. The exact effect a ticket will have depends on several factors, including your insurance company and the severity of the incident. Generally speaking, subsequent incidents will continue to increase your premiums.

In New Jersey, speeding results in either two, four, or five points on your record, depending on how far over the speed limit you’re driving. Three points will be subtracted after each year you don’t have a violation, but that doesn’t necessarily mean the ticket will no longer affect your insurance premiums.[6]

Jersey City drivers with a speeding ticket pay a monthly average of $166 for liability-only insurance and $356 for full-coverage insurance.

Here, you can see average policy rates for drivers with a speeding ticket from insurers serving Jersey City.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Ticket
CSAA103132
NJM107146
Plymouth Rock109147
GEICO136170
Bristol West145179
Foremost165228
Mercury185248
Midvale Home & Auto236304
Progressive249311
State Farm250309
Travelers324407
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: CSAA

Being at fault for an accident can have a major effect on your car insurance. On average, insurance premiums increase 26% after an at-fault accident, according to Insurify data. The accident can also affect your insurance rates for several years, but the effect may lessen over time.

It’s also worth noting that an accident can increase your premiums even when you aren’t at fault. Due to New Jersey’s no-fault insurance law, your insurance company may have to pay out for a claim even when another driver caused the accident. As a result, your insurance rates could go up.

Drivers in Jersey City with an at-fault accident on record pay a monthly average of $188 for liability-only insurance and $404 for full-coverage insurance.

Here’s a look at the average monthly quotes for Jersey City drivers with at-fault accidents.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
CSAA103148
NJM107160
Plymouth Rock109163
GEICO136187
Bristol West145196
Foremost165246
Mercury185269
Midvale Home & Auto236341
Progressive249347
State Farm250341
Travelers324447
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How Long Does an Accident Affect Your Car Insurance Rates?

How Long Does an Accident Affect Your Car Insurance Rates?

Cheapest car insurance for drivers with a DUI: NJM

A DUI represents a serious driving infraction and can result in fines, imprisonment, license forfeiture, and more. A DUI can also have a major effect on your insurance premiums and may even cause your insurer to drop you altogether.

It’s also important to note that a DUI stays on your record permanently in New Jersey.

Jersey City drivers pay a monthly average of $213 for liability-only insurance and $457 for full-coverage insurance. Here, you can see the average monthly quotes for drivers with a DUI in Jersey City.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
CSAA103174
NJM107163
Plymouth Rock109165
GEICO136230
Bristol West145245
Foremost165279
Mercury185283
Midvale Home & Auto236399
Progressive249421
State Farm250423
Travelers324548
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: NJM

Age plays an important role in car insurance rates as well. While senior drivers generally have the lowest car insurance rates of any age group, their premiums can begin to increase as they grow older. This is because insurers see older drivers as a greater risk — not only because of their slowed reflexes but because of their increased risk of severe injury in a crash.

Drivers in Jersey City older than 60 pay a monthly average of $107 for liability-only insurance and $229 for full-coverage insurance. Here’s a list of the top insurers available for senior drivers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
NJM74111
CSAA82137
Plymouth Rock83122
GEICO110163
Bristol West118314
Foremost131233
Mercury142169
Midvale Home & Auto182253
Progressive182308
State Farm197292
Travelers258383
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: NJM

Drivers ages 16 to 19 have a fatal crash rate nearly three times as high as all other people.[7] This is due to a lack of experience, a high rate of nighttime and weekend driving, distracted driving, speeding, and more. As a result, teens pay higher insurance premiums than any other age group.

Teen drivers in Jersey City pay monthly averages of $218 for liability-only auto insurance and $467 for full-coverage auto insurance.

If you have a teen driver in your house, you have some ways to save money on insurance, including keeping your teen on your insurance policy for as long as possible, having them drive a safe vehicle, and taking advantage of discounts such as a good student discount.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
NJM155230
CSAA166278
GEICO210312
Plymouth Rock226334
Bristol West243646
Foremost287510
Mercury331394
Midvale Home & Auto404561
State Farm416617
Progressive443749
Travelers573851
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Jersey City car insurance quotes by credit tier

Your credit history is an important factor that helps determine your insurance premiums. While some states have banned insurance companies from using credit as a factor for insurance rates, New Jersey isn’t one of them.

Generally speaking, the higher your credit score, the lower the insurance rates you’ll pay. Drivers with excellent or good credit scores tend to get the best insurance rates. On the other hand, drivers with poor credit scores tend to pay considerably higher rates because of the higher perceived risk to the insurance company.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Jersey City?

Unfortunately, New Jersey drivers generally pay rates that are well above the national average.

The average annual insurance expenditure in the U.S. is $1,917, according to Insurify data. Meanwhile, the yearly average in New Jersey is $1,976.

More cities in New Jersey

Jersey City’s rates are just slightly higher than the state average but considerably lower than some other large New Jersey cities, like Newark and Paterson. But Jersey City is more expensive than Trenton and Toms River.

The table below shows average monthly quotes in some other New Jersey cities.

CityFull CoverageLiability Only
Camden$340$146
East Orange$314$156
Irvington$315$154
Newark$360$155
Trenton$213$116
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Jersey City car insurance FAQs

If you still have questions about car insurance in Jersey City, here are a few more things to know.

  • How much is car insurance in Jersey City?

    The average liability insurance policy in Jersey City costs $125 per month, while the average full-coverage policy costs $268 per month. But your rate may be higher or lower based on your driving history, insurance company, and other factors.

  • What are the best car insurance companies in Jersey City?

    Based on factors like average premiums, customer satisfaction rankings, and an Insurify Quality Score of 4.7 out of 5, the best insurance company in Jersey City is NJM. Other top insurers include State Farm and Travelers.

  • Which company has the cheapest car insurance in Jersey City?

    CSAA has the cheapest car insurance in Jersey City, with liability-only rates as low as $103 per month.

    You can also find low rates with NJM and Plymouth Rock, with liability rates averaging $107 and $109 per month, respectively.

  • Why is car insurance super expensive in New Jersey?

    New Jersey has some of the highest insurance rates in the country for several reasons. First, the state has a high population density that’s second only to Washington, D.C. This can lead to an increase in accidents.

    Another reason for New Jersey’s high insurance rates is its no-fault insurance law, which has been shown to lead to higher premiums because insurers risk having to pay out more often.

  • What is the best full-coverage car insurance in Jersey City?

    NJM offers some of the cheapest full-coverage car insurance in Jersey City. But that doesn’t mean it'll be the best option for everyone.

    Before signing up for a policy, shop around to find insurers that offer the coverages you need and get quotes to see which company offers the best rate.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Insurance company rankings."
  2. A.M. Best. "State Farm."
  3. NAIC. "Results by Complaint Index."
  4. J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds."
  5. New Jersey Dept. of Banking and Insurance. "Get Legal with New Jersey's Basic Auto Insurance Policy."
  6. NJMVC. "NJ Points Schedule."
  7. CDC. "Teen Driver Fact Sheet."
Erin Gobler
Erin Gobler

Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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