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Cheap Auto Insurance Quotes in New Brunswick, NJ (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in New Brunswick is $263 per month, or $3156 annually.
  • Car insurance in New Brunswick is $23 more than the average cost of car insurance in New Jersey.
  • The cheapest car insurance provider in New Brunswick on average is Plymouth Rock, but you should always compare quotes to find your best personal rate.

Car Insurance in New Brunswick, NJ

The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in New Brunswick, NJ to find you the cheapest quotes in the area.

Quotes by Top Companies

Liberty Mutual
$195
Travelers
$210
State Farm
$305
American Family
$324

Cheapest Car Insurance in New Brunswick, NJ

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in New BrunswickQuotes
Liberty Mutual$195 /mo
Travelers$210 /mo
State Farm$305 /mo
American Family$324 /mo

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Average Car Insurance Cost

New Jersey Cities
Newark$317/mo
Jersey City$303/mo
Paterson$304/mo
Elizabeth$294/mo
New Brunswick$259/mo
New Jersey$295/mo
New Brunswick
$259
Elizabeth
$294
Average for NJ
$295
Jersey City
$303
Paterson
$304
Newark
$317
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in NJ

New Jersey requires all drivers to purchase either a basic or standard insurance policy. The basic policy liability limit is as follows:

  • $5,000 of property damage liability per accident

The standard policy liability limits are as follows:

  • $15,000 of bodily injury liability insurance per person, per accident
  • $30,000 of bodily injury liability for multiple injured people per accident
  • $5,000 of property damage liability per accident

Find local New Brunswick agents

  • J. Joseph Connor Agency 

    46 Bayard St,
    New Brunswick, NJ 08901
  • Lacerda Insurance Agency

    173 Livingston Ave,
    New Brunswick, NJ 08901
  • S. Lombardo Agency, Inc.

    1014 Livingston Ave Suite 102,
    North Brunswick Township, NJ 08902
  • Yeni Mendez Romero - State Farm Insurance Agent

    142 Livingston Ave,
    New Brunswick, NJ 08901
  • Robby West - State Farm Insurance Agent

    405,
    6 NJ-18 S Ste, East Brunswick, NJ 08816
  • Barrood Agency Inc.

    50 Paterson St,
    New Brunswick, NJ 08901
  • Marmar Insurance Agency LLC

    226 George St,
    New Brunswick, NJ 08901
  • Lacerda Insurance Agency

    173 Livingston Ave,
    New Brunswick, NJ 08901
  • Plymouth Rock Assurance Corporation

    New Brunswick,
    NJ 08901
  • S. Lombardo Agency, Inc.

    1014 Livingston Ave Suite 102,
    North Brunswick Township, NJ 08902
View more

FAQs - New Brunswick, NJ Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How New Brunswick Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in New Brunswick, New Jersey below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how New Brunswick drivers measure up to their fellow motorists across New Jersey in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in New Brunswick

#12

City with the Most Speeding Tickets Rank in New Jersey

#6

City with the Most Moving Violations Rank in New Jersey

#48

City with the Most DUIs Rank in New Jersey

#6

City with the Most Suspended Licenses in New Jersey

  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in New Brunswick is the Honda Accord.

  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New Brunswick drivers rank 48 in the number of DUI’s per driver across all cities in New Jersey.

    • Rank within state: #48
    • Percent of drivers in New Brunswick with a DUI: {{percentDrivers}}%
    • Drivers in New Brunswick, NJ with a DUI in their driving history pay on average {{overpay}}% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, New Brunswick drivers rank 12 in the number of speeding infractions per driver.

    • Rank within state: #12
    • Percent of drivers in New Brunswick with a speeding ticket: {{percentDrivers}}%
    • Drivers in New Brunswick, NJ with a speeding ticket in their driving history pay on average {{overpay}}% more than drivers with a clean record
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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