Cheap Auto Insurance Quotes in New Brunswick, NJ (2023)

Olivia Oksenhorn
Written byOlivia Oksenhorn
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Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Tanveen Vohra
Edited byTanveen Vohra
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Tanveen VohraEditorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

Amber Benka
Reviewed byAmber Benka
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Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated August 31, 2022

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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.

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.

Quotes by Top Companies

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.

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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
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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
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.

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in New Jersey

All motor vehicles operated or parked on New Jersey roadways are required to be insured with either a basic or standard insurance plan. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

Where the basic plan only requires $5,000 per accident of property damage liability insurance, the minimum liability insurance requirements for a standard plan in New Jersey[1] are:

  • $15,000 per person for bodily injury

  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Jersey is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $15,000per person for uninsured underinsured motorist bodily injury

  • $30,000 per accident for uninsured/underinsured motorist bodily injury

  • $5,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.

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

  • How does where I live affect my car insurance rates?

    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.

  • How can I get the cheapest car insurance in my area?

    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.

  • Who offers the cheapest car insurance in my area?

Compare Car Insurance Quotes Instantly

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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. New Jersey Department of Banking and Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
Olivia Oksenhorn
Olivia OksenhornInsurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Tanveen Vohra
Edited byTanveen VohraEditorial Manager
Photo of an Insurify author
Tanveen VohraEditorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, she helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. She received a bachelor's degree from SUNY Buffalo. You can connect with her on LinkedIn.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Icon of a woman
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.