Cheapest car insurance company in New Jersey: NJM
Cheapest car insurance rate in New Jersey: $125
Average monthly liability-only car insurance cost in NJ: $182
Average monthly full-coverage car insurance cost in NJ: $254
Cheapest car insurance quotes in New Jersey
NJM, CSAA, and Plymouth Rock offer the cheapest car insurance rates in New Jersey, according to Insurify data. To calculate average rates, Insurify uses a sample profile for a driver with a clean record, average or better credit, and between the ages of 20 and 70.
New Jersey is the most densely populated state in the country.[1] Its insurance rates are among the highest in the nation, in part because it’s a no-fault state and requires drivers to carry personal injury protection (PIP).
The following table shows the companies with the cheapest New Jersey car insurance for different coverage types.
Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| NJM | $125 | $157 |
| AAA | $126 | $190 |
| Plymouth Rock | $138 | $213 |
| Bristol West | $179 | N/A |
| Progressive | $185 | $265 |
| Mercury | $214 | $293 |
| GEICO | $225 | $290 |
| Liberty Mutual | $261 | $320 |
| State Farm | $291 | $368 |
| Travelers | $377 | $476 |
Best-rated insurance companies in New Jersey
New Jersey drivers pay some of the highest car insurance rates in the U.S., so finding cheap New Jersey car insurance is a priority for many people in the Garden State. Comparing quotes from the best car insurance companies in New Jersey can help you find the most affordable policy for your situation and coverage needs.
Insurify gathers and analyzes reviews from real insurance shoppers to provide a user review score for each insurer.
NJM: Best for low premiums in New Jersey
| User Reviews | 4.2 |
|---|
NJ Manufacturers's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.4 | 2.9 |
Drivers appreciate the friendly service and efficient claim handling but dislike the significant rate increases and overall high prices.
New Jersey Manufacturers has some of the most affordable auto insurance in New Jersey, according to Insurify data. Its liability and full-coverage rates are well below the statewide averages. NJM also earned J.D. Power’s highest customer satisfaction ranking in the Mid-Atlantic region.
Affordable rates in New Jersey
High customer satisfaction rating
Many available car insurance discounts
No 24/7 customer phone support
Mature driver discount not available in New Jersey
No mobile app for policy management
Plymouth Rock: Best for teachers in New Jersey
| User Reviews | 3.9 |
|---|---|
| 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. | $138/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. | $213/mo |
Plymouth Rock's score | Industry average | |
|---|---|---|
| Coverage options | 3.4 | 3.2 |
| Customer service | 2.8 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
Plymouth Rock Assurance offers insurance to educators in New Jersey through its Teachers’ Insurance Plan. In addition to special rates for qualifying educators, the plan includes several perks.
For example, the company waives your comprehensive and collision deductibles if you have a covered loss on school property or while traveling to or from a school event. It also provides up to $1,000 in extra coverage to replace school property stolen from your vehicle.
Special perks for New Jersey teachers
Great selection of car insurance discounts
Many available endorsements to tailor coverage
Below-average J.D. Power customer satisfaction rating
No discounts for vehicles with safety features
Above-average premiums for New Jersey teens
Progressive: Best for rideshare drivers in New Jersey
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score 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. | 8.7 /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. | $185/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. | $265/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Only about 0.05% of people in New Jersey drive for Uber or Lyft, but if you do, New Jersey law requires you to have rideshare insurance. Progressive offers rideshare coverage at below-average rates.
When you add a rideshare endorsement to your policy, you’ll have protection during all phases of a trip. And if your personal policy includes roadside assistance or rental car reimbursement, those coverages apply while you’re working as a rideshare driver.
Below-average rideshare insurance rates in New Jersey
Coverage applies as soon as you start working
One policy covers personal use and rideshare driving
Poor Trustpilot reviews
Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Below-average claims satisfaction rating
To identify the best auto insurance companies for New Jersey drivers, our editorial team analyzed regional and national insurers that sell policies in New Jersey. We wanted to know which offer the best rates, coverage options, customer service, and savings to drivers. We considered 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 much is car insurance in New Jersey?
New Jersey’s average car insurance rates are higher than national averages. Full-coverage car insurance in New Jersey averages $254 monthly, and liability-only coverage averages $182 per month. By comparison, national average rates are $186 for full coverage every month and $98 for liability-only coverage.
Average full-coverage rates in New Jersey rose 20% in 2025, according to Insurify data.
Multiple factors make New Jersey car insurance costs higher than average.
Because New Jersey is a no-fault state, standard car insurance policies must include personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage in addition to bodily injury and property damage liability. And in 2026, higher limits took effect for UM/UIM coverage.
New Jersey’s population density means higher accident risks, which also affect premiums.
Drivers in New Jersey have three policy options to consider, too.[2] Standard policies, which offer the most robust coverage, a basic policy that excludes UM/UIM coverage and has lower liability limits, and a Special Automobile Insurance Policy (SAIP) that provides only medical coverage for drivers and their passengers.[3]
Shop for Car Insurance in New Jersey
Liability quotes in New Jersey start at $125/mo.
Average car insurance quotes in New Jersey cities
The following table shows average car insurance rates per month across multiple New Jersey cities:
City | Average Full-Coverage Quote | Average Liability-Only Quote |
|---|---|---|
| Bayonne | $283 | $177 |
| Brick | $196 | $157 |
| Camden | $361 | $246 |
| Clifton | $304 | $212 |
| East Orange | $349 | $244 |
| Elizabeth | $369 | $243 |
| Fair Lawn | $285 | $188 |
| Fort Lee | $336 | $210 |
| Hoboken | $251 | $158 |
| Irvington | $357 | $255 |
| Jersey City | $283 | $197 |
| Kearny | $265 | $188 |
| Linden | $344 | $214 |
| Newark | $377 | $256 |
| Passaic | $363 | $256 |
| Paterson | $369 | $248 |
| Perth Amboy | $320 | $238 |
| Plainfield | $337 | $232 |
| Roselle | $305 | $219 |
| Toms River | $229 | $150 |
| Trenton | $296 | $194 |
| Vineland | $241 | $173 |
| West New York | $302 | $227 |
Three distinct regions comprise New Jersey, and each has distinctly different car insurance averages.
Cities like Newark and Paterson in North Jersey are densely populated and part of the New York metropolitan area, so they have the highest rates. Rates are lower in Central Jersey cities like Plainfield,and even cheaper in South Jersey cities with less population density, such as Vineland.
The following chart shows the most expensive cities in New Jersey for car insurance.
Average Full-Coverage Rates for Most Expensive NJ Cities
City | Full-Coverage Average |
|---|---|
| Camden | $361 |
| Passaic | $363 |
| Elizabeth | $369 |
| Paterson | $369 |
| Newark | $377 |
Our licensed insurance experts are ready to give on-the-spot guidance
Anuj DesaiLicensed Property & Casualty Insurance Agent
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
Cheapest recent car insurance quotes in New Jersey
Drivers using Insurify have found quotes as cheap as $138/mo for liability only and $190/mo for full coverage in New Jersey.
*Quotes generated for Insurify users from New Jersey within the last 10 days. Last updated on July 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from New Jersey within the last 10 days. Last updated on July 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Why you should compare car insurance quotes in New Jersey
New Jersey’s complex and costly insurance market makes comparing quotes especially valuable. In most states, drivers choose between liability-only (minimum coverage) and full coverage (which adds comprehensive coverage and collision), with a few optional add-ons. In New Jersey, drivers face three very different choices: standard, basic, and SAIP (also known as dollar-a-day car insurance).
The following table compares the three policy types available in New Jersey, what they include and exclude, minimum requirements for each, who qualifies, and how they affect your ability to sue following an accident:
Policy Feature | Standard Policy | Basic Policy | SAIP (Dollar-a-Day) |
|---|---|---|---|
| Bodily injury liability limit | $35,000 per person, $70,000 per accident | Optional $10,000 per person, per accident | Not included |
| Property damage liability limit | $25,000 per accident | $5,000 per accident | Not included |
| PIP | $15,000 per person or accident | $15,000 per person, per accident | Not included |
| UM/UIM | Coverage limit matches your chosen liability limits | Not included | Not included |
| Collision | Optional add-on | Optional add-on | Not included |
| Comprehensive | Optional add-on | Optional add-on | Not included |
| Who qualifies | Anyone | Anyone | Drivers eligible for federal Medicaid with hospitalization |
| Ability to sue | Included | Drivers must choose between a (cheaper) limited right to sue and unlimited | Not included |
New Jersey car insurance requirements
All drivers must have car insurance to drive legally in New Jersey. You can choose either the Basic Policy or the Standard Policy, depending on your budget and coverage needs.
The table below compares the two policies available in New Jersey and the coverages included with each.
Type of Coverage | Basic Policy | Standard Policy |
|---|---|---|
| Bodily injury liability | Not included (option to add $10,000 per accident) | $35,000 per person / $70,000 per accident |
| Property damage liability | $5,000 per accident | $25,000 per accident |
| Personal injury protection | $15,000 per person or accident (up to $250,000 for certain injuries, regardless of chosen limit) | $15,000 per person or accident (up to $250,000 for certain injuries, regardless of chosen limit) |
| Uninsured/underinsured motorist insurance | Not included | Available up to the chosen liability coverage limits |
How to find the cheapest New Jersey car insurance
Some tactics for finding affordable car insurance work everywhere, like comparison shopping and maintaining a clean driving record. Here are some tips that may be particularly helpful for New Jersey drivers:
More than 12% of New Jersey households have more than one vehicle, according to Insurify data. Check with your insurer to confirm you’re getting a multi-vehicle discount.
More than 74% of policyholders in New Jersey own their vehicles outright. That means they don’t have to carry full coverage. Drivers with older or lower-value vehicles might save by choosing a liability-only policy.
If you have few family responsibilities and assets, New Jersey’s Basic Policy might be a good cost-saving option for you. It makes bodily injury coverage optional and at a lower amount, and it doesn’t require you to buy UM/UIM coverage.
New Jersey is a smaller state, which may explain why the average annual mileage state drivers log each year is comparatively low. If you don’t drive many miles, pay-per-mile insurance could save you money.
Insurers can use information in your credit history to generate a credit-based insurance score that they use to help predict how likely you are to file a claim. New Jersey’s average credit score is 724, which is good.[4] If yours is lower than average, working to improve it could also improve your chances of finding a lower car insurance rate.
Compare Car Insurance Quotes in New Jersey
Minimum-coverage rates start as low as $125/mo. in Jersey
Find quotes for your driver profile in New Jersey
If you’re looking for more detailed information on New Jersey car insurance, here’s what to know about insurance shopping and driving in the Garden State.
New Jersey car insurance quotes for drivers with violations
How car insurance costs in New Jersey have changed
Although car insurance premiums decreased nationwide last year, drivers in the Garden State weren’t so lucky. New Jersey’s average car insurance premium rose by 20% between 2024 and 2025 — the greatest increase in the country.
This increase is largely due to the state’s higher minimum coverage requirements, but rising accident rates also contribute to the issue. By the end of 2026, the average cost of car insurance in New Jersey could climb by 1.4%, according to Insurify data, reaching a new high of $3,024 per year for full coverage.
Average car insurance costs in New Jersey over time
The graph below shows how auto insurance premiums in New Jersey have changed over the past five years.
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New Jersey car insurance FAQs
For more information on New Jersey car insurance, see answers to the frequently asked questions below.
What is the average car insurance cost in New Jersey?
In New Jersey, drivers pay an average of $218 per month for car insurance, with full coverage averaging $254 per month and liability-only coverage averaging $182. But young drivers and those with violations like at-fault accidents, DUIs, and speeding tickets will pay higher-than-average rates.
Which company has the cheapest car insurance in New Jersey?
NJM has the cheapest car insurance in New Jersey, based on Insurify data. Its liability-only coverage averages $125 per month.
What are the minimum car insurance requirements in New Jersey?
A Basic Policy meets New Jersey’s minimum car insurance requirements, but it includes only $5,000 in property damage liability coverage per accident and $15,000 in PIP per person, per accident.
What are the best car insurance companies in New Jersey?
Some of the best car insurance companies in New Jersey are State Farm, The General, and GEICO. But the best car insurer for you depends on your coverage needs and preferences. It’s a good idea to compare quotes from several insurers to find the best one for your situation.
How can you get cheaper car insurance in New Jersey?
You can get cheaper car insurance in New Jersey by dropping your comprehensive and collision coverage or raising your deductibles. You can also increase your PIP deductible or choose your own health insurance as your primary medical coverage.
If you’re eligible, you can also consider the New Jersey Special Automotive Insurance Policy (SAIP), also called dollar-a-day car insurance. It provides medical-only coverage for $365 per year to eligible drivers enrolled in Federal Medicaid with hospitalization.
Is NJM cheaper than GEICO in New Jersey?
NJM’s average monthly rates for full-coverage and liability-only car insurance tend to be lower than GEICO’s rates. NJM’s full-coverage average is currently $169 per month, and liability coverage averages $143 monthly. GEICO’s monthly averages in New Jersey are $290 and $225, respectively. Keep in mind that rates fluctuate, and factors unique to you, like your age, gender, driving history, and more, all affect your premium.
What’s a good price for car insurance in NJ?
New Jersey’s average car insurance costs are $254 per month for full coverage and $182 for minimum coverage (liability-only). If you find rates lower than average, you could consider that a good price.
What insurance company has the best rates in New Jersey?
NJM consistently offers the best rates for most New Jersey drivers, Insurify data shows. But since every insurer weighs rating factors differently, you may be able to find even cheaper rates with other companies.
Can you get a policy in New Jersey with a bad driving record?
You can get car insurance with a bad driving record in New Jersey. In fact, to legally drive, you’re required to have car insurance. A bad driving record may prompt multiple insurers to deny you coverage. If that happens, you can turn to the New Jersey Personal Automobile Insurance Plan (NJPAIP), an assigned-risk pool. NJPAIP rates are likely to be higher than standard auto insurance policy rates.
What’s the average premium for full-coverage car insurance in New Jersey?
The average cost of full-coverage car insurance in New Jersey is $254 per month, according to Insurify’s proprietary database of more than 250 million auto insurance quotes.
Sources
- United States Census Bureau. "Highest Density."
- New Jersey Department of Banking & Insurance. "Get Legal with New Jersey's Basic Auto Insurance Policy."
- New Jersey Department of Banking & Insurance. "Special Automobile Insurance Policy (SAIP)."
- Experian. "What Is the Average Credit Score in the US?."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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