Temporary Car Insurance in New Jersey (2026)
GEICO, State Farm, and Progressive are the cheapest temporary car insurance companies in New Jersey.
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Written byA.M. Steinbach
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A.M. SteinbachFreelance Personal Finance Writer
Full-time writer for 5+ years
Two-time Emmy Award nominee
A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
Table of contents
Some New Jersey drivers may only need temporary car insurance in certain situations, such as for a quick weekend trip or a weeklong business trip.
A standard car insurance policy typically lasts six to 12 months. New Jersey drivers pay average rates of $180 per month for standard liability and $257 for full-coverage car insurance, which exceeds the national averages of $98 for liability and $186 for full coverage.
Here’s what you need to know about your temporary car insurance options in New Jersey.
Quick Facts
Popular pay-per-mile and usage-based options, like Hugo and Mile Auto, aren’t available in New Jersey.
One way to get temporary car insurance is by canceling a standard policy early, which most insurers allow. But you may have to pay a cancellation fee.
Some low-income drivers in New Jersey can qualify for the state’s Special Automobile Insurance Policy (SAIP) program, which costs $365 per year, or $1 per day.
Best temporary car insurance in New Jersey
Most New Jersey auto insurers don’t offer temporary car insurance with terms of less than six months, but you still have options. Many insurers will let you cancel your standard policy early without a fee.
Here are three of the best short-term car insurance coverage options in New Jersey.
GEICO: Best for overall value
| User Reviews | 3.9 |
|---|---|
| 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. | 9.2 /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. | $231/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. | $301/mo |
3.9
A solid option in New JerseyBased on 17,786 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from New Jersey drivers - See all 7,677 GEICO reviews
Jean
Verified Review
Can't afford it
Reviewed in New Jersey on April 27, 2026
I haven't had any accidents, and I've been with you a long time, yet my insurance went up $100. I will be looking around.
Rachel
Verified Review
Customer service was very helpful and helped me cut the cost of my expenses
Reviewed in New Jersey on April 25, 2026
It is fair.
Jesse
Verified Review
They don't care about you.
Reviewed in New Jersey on April 24, 2026
I've been with Geico for 25 years. They don't care about you; you're just a monthly payment to them. Zero points, zero at-fault accidents, yet the premium keeps going up and up. I had one accident where I was hit from behind, and they wouldn't help me get my deductible back from the other driver's insurance company. They told me to do it myself! When I finally got a supervisor on the phone, after a few hours, she told me it's not worth their time and money to help me because it was only $2800 in damages to my car. Maybe not worth it to them, but the $1000 deductible I paid out of pocket was a big hit for me when I was the victim. What am I paying them for? When comparing rates, I found several policies that were less for the same coverage and with a $500 deductible compared to $1000 with Geico. When I asked them to match the price and deductible, they said go ahead and switch! So much for being a faithful customer for 2 1/2 decades.
Kayla
Verified Purchase
Get their money
Reviewed in New Jersey on April 20, 2026
Sign up and you only get a cost without knowing your coverage. They don't even send you a full description of your policy.
Romaiky
Verified Review
Not the best
Reviewed in New Jersey on April 18, 2026
They don't give discounts to established customers, even though other places give me more than a 50% discount.
Vincent
Verified Review
Too Expensive!
Reviewed in New Jersey on April 16, 2026
It's gotten too expensive and we've been long-term customers.
Richard
Verified Review
Best Auto Insurance Value: GEICO
Reviewed in New Jersey on March 23, 2026
Excellent. More coverage at a lower cost than any other company!
Bienvenido
Verified Review
Mixed
Reviewed in New Jersey on March 18, 2026
They doubled my rate with a clean record because of my age.
Tina
Verified Review
5
Reviewed in New Jersey on March 17, 2026
Very helpful but insurance is too high in New Jersey.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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++Why we picked this company
GEICO offers some of the cheapest car insurance in New Jersey. Canceling a standard policy early is one way to get temporary car insurance. Fortunately, GEICO won’t charge a cancellation fee if you decide to end your policy early.[1]
GEICO also offers non-owner car insurance, which is a useful option for drivers who need car insurance on a temporary basis.
Pros
Low rates
Offers non-owner insurance
Cons
No pay-per-mile insurance option
Below-average J.D. Power customer satisfaction rating in New Jersey
State Farm: Best for non-owner insurance
| User Reviews | 4.0 |
|---|---|
| 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. | 9.3 /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. | $299/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. | $379/mo |
4.0
Best choice in New JerseyBased on 17,568 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Customer service
Competitive rates
Discounts for safe drivers
Showing 39 reviews from New Jersey drivers - See all 7,465 State Farm reviews
Norman
Verified Review
Car Insurance
Reviewed in New Jersey on April 29, 2026
The company is good, but the agent you pick is what makes the difference.
June
Verified Review
Service was prompt and efficient. The only reason I’m looking for another insurance company is the cost.
Reviewed in New Jersey on April 25, 2026
Service was prompt and efficient. The only reason I’m looking for another insurance company is the cost.
Luvann
Verified Review
Too High
Reviewed in New Jersey on April 24, 2026
It's just way too much money, even with my mom being a customer for so many years.
Mario
Verified Review
Good
Reviewed in New Jersey on April 24, 2026
They have been really good these two years.
Frederico
Verified Review
Decent Coverage for Everyday Needs
Reviewed in New Jersey on April 24, 2026
My experience with my current car insurance was really good. Just wish that my policy price would drop somewhat, that's all.
Josif
Verified Review
Thank You for Service!
Reviewed in New Jersey on April 24, 2026
Very good service.
Artur
Verified Review
Price Change Warning
Reviewed in New Jersey on April 22, 2026
They gave me one price, and a month later it was increased!
Just
Verified Review
Excellent
Reviewed in New Jersey on April 14, 2026
I always received answers to my questions.
Norman
Verified Review
Lower my payments
Reviewed in New Jersey on April 8, 2026
So far, so good, but I would like to lower my payments per month.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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++Why we picked this company
If you’re borrowing a car from a friend or driving a car you don’t own, you might want non-owner insurance. If so, State Farm is a popular option. While State Farm is one of the more expensive insurers in New Jersey, the company’s wide selection of coverage makes it a good choice for drivers seeking flexibility.
Pros
Offers non-owner insurance
Rideshare and rental coverage available
Cons
No pay-per-mile insurance option
Below-average J.D. Power customer satisfaction rating in New Jersey
Progressive: Best for discounts
| 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. | $192/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. | $255/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in New Jersey for
Competitive rates
Easy buying process
Telematics program
Showing 58 reviews from New Jersey drivers - See all 8,433 Progressive reviews
Marcia
Verified Review
Minor accident, never asked me any questions but raised my rate.
Reviewed in New Jersey on April 25, 2026
No accidents, no tickets, still... a higher renewal cost.
Samuel
Verified Review
Fuming!
Reviewed in New Jersey on April 22, 2026
The price is extremely high. Despite having my license for over forty years and renewing it in December of last year, I am being treated and charged like I'm a new driver.
Debra
Verified Review
Nothing seems like it really is
Reviewed in New Jersey on April 19, 2026
You sign up and get a good rate, but after 6 months, your rates go back up again. So don't bother to switch.
Bruce
Verified Review
Jersey Auto Insurance Issues
Reviewed in New Jersey on April 17, 2026
They all start off lower than the last, then creep up, adding money to payments as time goes on.
Maryann
Verified Review
Excellent
Reviewed in New Jersey on April 16, 2026
The agent was very helpful.
Joseph
Verified Review
No issues except it's too costly for a car that's 26 years old and driving less than 50 miles per day.
Reviewed in New Jersey on April 11, 2026
No issues except it's too costly for a car that's 26 years old and driving less than 50 miles per day.
Curt
Verified Review
They are good (for a while)!
Reviewed in New Jersey on April 8, 2026
Discounts are applicable but only for perfect drivers! If you have a claim, not so much! Prices do go up (not too much) every renewal. Claims are taken care of without even noticing!
Louie
Verified Review
No Progressive
Reviewed in New Jersey on April 5, 2026
It was a good price 5 years ago, but now the prices have doubled. I was supposed to be at a discontinued diamond level, but that’s not the case!
John
Verified Review
Progressive drove me to find another company
Reviewed in New Jersey on April 2, 2026
Rates keep going up - billing is rudely done. I went hunting and got a better rate from Progressive than I currently have, so by the end of this billing cycle, I will be with another carrier.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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+Why we picked this company
Progressive is a great option for New Jersey drivers looking to save on coverage through discounts. The company has helpful driver-based discounts for safe drivers, good students, college students, and homeowners. It also rewards drivers for how they receive quotes and buy coverage, with discounts for online quotes, paperless policies, and automatic payments.
Potential policyholders can also use the Progressive Name Your Price tool to learn how much coverage they can buy with the amount of money they’re willing to spend each month.
Pros
Offers non-owner insurance
Below-average number of complaints filed with the National Association of Insurance Commissioners (NAIC)
Cons
Below-average J.D. Power customer satisfaction rating in New Jersey
May charge a policy cancellation fee
We chose the best temporary car insurance companies above by comparing several New Jersey insurers’ IQ Scores, average rates, selection of insurance products, customer service record, J.D. Power scores, AM Best scores, and online customer reviews. For temporary insurance, we placed a special focus on short-term coverage options and cancellation fees.
Cheapest short-term car insurance in New Jersey
While New Jersey drivers pay above-average car insurance premiums, you can still find affordable car insurance. Rates start as low as $100 per month for liability-only insurance. Factors like your age, vehicle type, marital status, coverage level, ZIP code, driving record, and more affect your rates.[2]
The table below outlines the cheapest car insurance companies in New Jersey. The following insurers either offer a form of short-term insurance, including non-owner car insurance, or don’t have coverage cancellation fees.
The below rates in New Jersey are estimated rates current as of: Wednesday, April 22 at 12:00 PM PDT.
Insurance Company | Average Quote: Liability Only |
|---|---|
| Progressive | $192 |
| GEICO | $231 |
| Liberty Mutual | $260 |
| State Farm | $299 |
| Travelers | $386 |
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.
Find Cheap Car Insurance in New Jersey
Liability-only quotes start at $100 per month
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Options for temporary car insurance
If you need car insurance only on a temporary basis, you have options. You can choose from pay-as-you-go car insurance, non-owner car insurance, pay-per-mile car insurance, and rental car insurance depending on your unique needs.
Pay-as-you-go car insurance: Best for safe drivers
Pay-as-you-go car insurance uses telematics to track your driving behavior and mileage. Your car insurance costs will be lower if you drive fewer miles and practice safe driving habits. With distracted driving on the rise, telematics has become a popular way for drivers to lower the chance of an accident or claim.
Pay-as-you-go car insurance usually has a base rate plus additional costs based on mileage. In some cases, your car insurance rates may rise if your mileage increases or if you don’t drive safely. Some drivers also might not want their insurer collecting their driving data. Telematics programs are voluntary and may be a good idea for low-mileage drivers.[3]
Non-owner car insurance: Best for borrowing a vehicle
Non-owner car insurance offers liability coverage whenever you drive a vehicle you don’t own. For instance, if you’re borrowing a friend’s car for a few days or renting a car, non-owner car insurance might fit your needs.
Non-owner car insurance has a six-month or 12-month policy term. It’s 37% cheaper than standard liability-only car insurance and 69% cheaper than full-coverage car insurance, according to Insurify data. Several major auto insurance companies offer non-owner car insurance, including GEICO, State Farm, Progressive, and Allstate.
If you regularly borrow a car or use car-sharing services like Zipcar, a non-owner car insurance policy might come in handy. While non-owner policies have standard policy terms, they’re significantly cheaper than standard policies. This makes a non-owner policy the right financial choice for drivers who need insurance on a periodic basis.
Pay-per-mile car insurance: Best for low-mileage drivers
In recent years, brands like Mile Auto and Hugo have started offering pay-per-mile auto insurance. With Mile Auto, drivers send in their odometer readings at the end of the month. Then, the company determines rates based on how many miles policyholders drove.
Pay-per-mile car insurance is a good idea for low-mileage drivers. These auto policies are also more privacy-friendly, as your insurer isn’t tracking your driving behavior — just your mileage.
Unfortunately, very few car insurance companies offer pay-per-mile insurance. Hugo and Mile Auto aren’t currently available in New Jersey. Allstate’s pay-per-mile program, Milewise, is only available in six states.
Stored car insurance: Best for occasional drivers
Many car insurance companies offer a significant discount to drivers who store their vehicles for long periods of time. For example, USAA offers major discounts to deployed policyholders who won’t drive their vehicles for a while.
Some car insurance companies offer a separate car storage insurance product, which is essentially a comprehensive-only policy that protects your stored car in the event of severe weather or vandalism. Talk to an insurance agent for more information on stored car insurance.
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Pros and cons of temporary car insurance
Deciding on the right type of auto coverage to meet your needs as a driver is important. You’ll have to consider how frequently you drive, your annual mileage, how you like to pay for car insurance, and more.
Here are a few benefits and drawbacks of temporary auto insurance to consider.
Pros
Helps you out in short-term driving situations
Cheaper than a standard policy
Flexible options, from non-owner insurance to pay-as-you-go coverage
Cons
Many insurers don’t offer temporary insurance
Few one-day insurance options
You may still end up buying more coverage than you need
Temporary car insurance in New Jersey FAQs
New Jersey drivers have options when it comes to temporary car insurance. Here are some answers to questions you might have about temporary car insurance in New Jersey.
Can you get temporary insurance in New Jersey?
Standard car insurance policies in New Jersey are six to 12 months long. New Jersey drivers can get temporary insurance by canceling a standard insurance policy early, purchasing non-owner car insurance, or purchasing pay-per-mile car insurance.
How can you get $1-a-day insurance in New Jersey?
Low-income drivers in New Jersey may qualify for the state’s Special Automobile Insurance Policy (SAIP) program, which costs $365 per year and covers medical expenses after an accident. This isn’t a temporary insurance policy, and drivers must pay the $365 premium up front in one or two installments.[4]
Is temporary car insurance legit?
Only a few legit car insurance companies offer temporary policies. Most companies sell coverage only in term lengths of six or 12 months. If a company is offering policies with a shorter time frame, do your research to make sure the company isn’t a scam. Checking customer reviews and the Better Business Bureau website can give you some answers.
What is the cheapest car insurance company in New Jersey?
CSAA is the cheapest car insurance company in New Jersey, with an average rate of $100 per month for liability-only car insurance. Other cheap insurers include NJM and Plymouth Rock, with respective average monthly liability rates of $128 and $152.
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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Sources
- GEICO. "How to Cancel Your GEICO Car Insurance Policy."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Background on: Pay-as-you drive auto insurance (telematics)."
- State of New Jersey Department of Banking and Insurance. "Special Automobile Insurance Policy (SAIP)."
)
A.M. SteinbachFreelance Personal Finance Writer
Full-time writer for 5+ years
Two-time Emmy Award nominee
A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
Featured in
A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.