120+ more*Quotes generated for Insurify users from New Jersey within the last 10 days. Last updated on March 23, 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 March 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Drivers in New Jersey pay an average of $219 per month for car insurance, which is significantly higher than the national average of $136. Full coverage in New Jersey averages $255 per month, compared to the national average of $173.
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 driver categories and coverage types.
Driver Category | Cheapest Insurance Company in NJ | Cheapest Monthly Quote in NJ |
|---|---|---|
| Overall | CSAA | $100 |
| State-minimum coverage | CSAA | $100 |
| Full coverage | NJM | $169 |
| Drivers with a clean record | CSAA | $100 |
| After a speeding ticket | CSAA | $132 |
| After an at-fault accident | CSAA | $138 |
| After a DUI | CSAA | $155 |
| Teen/new drivers | CSAA | $154 |
| Seniors | CSAA | $81 |
| Bad credit | CSAA | $116 |
New Jersey drivers have two options for liability-only car insurance — the Basic Policy and the Standard Policy.
The Basic Policy is a much cheaper option, but it offers bare-bones protection and is meant for drivers without significant assets. The Standard Policy includes bodily injury liability, which the Basic Policy lacks. Both policies meet New Jersey’s minimum insurance requirements.[2]
CSAA has the cheapest liability insurance in New Jersey, with an average rate of $100 per month.
The table below shows the companies with the cheapest liability-only quotes in New Jersey.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $100 |
| NJM | $143 |
| Plymouth Rock | $156 |
| Progressive | $160 |
| Bristol West | $170 |
| Mercury | $201 |
| GEICO | $248 |
| Liberty Mutual | $290 |
| State Farm | $335 |
| Travelers | $433 |
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Brett Clendenen
Sales Manager at Insurify, Insurify
New Jersey’s Basic Policy is intended for drivers who might otherwise struggle to afford insurance. Although it satisfies the state’s minimum requirements, it isn’t true liability coverage because it doesn’t include bodily injury liability — only PIP and property damage liability.
Since 2004, New Jersey has averaged well over 200,000 crashes per year, except in 2020 during the pandemic.[3] For this reason, many drivers in the state can benefit from full-coverage car insurance, which helps pay to repair or replace your vehicle after an at-fault accident.
In New Jersey, NJM has the cheapest full-coverage rates, averaging $169 per month.
Below, you can see the insurers with the cheapest full-coverage car insurance rates in New Jersey.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| NJM | $169 |
| CSAA | $195 |
| Plymouth Rock | $234 |
| Progressive | $238 |
| Mercury | $277 |
| GEICO | $294 |
| Liberty Mutual | $312 |
| State Farm | $394 |
| Travelers | $509 |
*Quotes generated for Insurify users from New Jersey within the last 10 days. Last updated on March 23, 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 March 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.
| User Reviews | 4.2 |
|---|---|
| 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 /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. | $143/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. | $169/mo |
Drivers appreciate the friendly service and efficient claim handling but dislike the significant rate increases and overall high prices.
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
| 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. | NR |
| 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. | $156/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. | $234/mo |
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
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
Special perks for New Jersey teachers
Great selection of car insurance discounts
Many available endorsements to tailor coverage
| 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. | $160/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. | $238/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
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
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 largest 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 is predicted to climb by 1.4%, according to Insurify data, reaching a new high of $3,024 per year for full coverage.
The table below shows how auto insurance premiums in New Jersey have changed over the past five years.
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Liability quotes in New Jersey start at $100/mo.
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 |
New Jersey car insurance premiums vary depending on where you live. For example, Newark, the state’s largest city, has the highest average rates. Besides high population density and traffic density, the New York-Newark-Jersey City metropolitan area experienced a 6% increase in vehicle thefts between 2022 and 2023.
In the table below, you can see the average cost of car insurance in different cities across New Jersey.
City | Average Monthly Quote |
|---|---|
| Jersey City | $226 |
| Newark | $305 |
| Trenton | $239 |
New Jersey drivers with good credit and a clean driving record pay an average of $219 per month for insurance, with liability-only coverage averaging $184 per month.
Below are the cheapest rates for drivers with good credit and a clean driving record in New Jersey.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $105 |
| NJM | $139 |
| Progressive | $167 |
| Bristol West | $167 |
| Plymouth Rock | $168 |
| Mercury | $200 |
| GEICO | $249 |
| Liberty Mutual | $304 |
| State Farm | $325 |
| Travelers | $417 |
About 2.74% of New Jersey drivers have a speeding ticket on their record, according to Insurify data. Fines for speeding in New Jersey range from $85 to $260, depending on how much you were driving over the posted speed limit. You’ll also have between two and five points assessed against your license.[4]
Insurance for drivers in New Jersey with a speeding ticket costs an average of $293 per month, with liability-only coverage averaging $247.
The following table shows which companies have the cheapest car insurance quotes in New Jersey for drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $132 |
| NJM | $206 |
| Progressive | $214 |
| Plymouth Rock | $214 |
| Bristol West | $221 |
| Mercury | $289 |
| GEICO | $335 |
| Liberty Mutual | $381 |
| State Farm | $440 |
| Travelers | $581 |
More than 5% of New Jersey drivers have an at-fault accident on their record, Insurify data shows.
Because New Jersey is a no-fault state, your auto insurance policy automatically covers your medical expenses, regardless of who caused the crash.[5] In 2023, nearly 245,000 traffic accidents occurred across the Garden State. Middlesex County had the highest number of accidents.
Insurance in New Jersey for drivers with an accident averages $210 per month for a liability policy.
In the following table, you can see the cheapest car insurance quotes for drivers with an at-fault accident in New Jersey.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $138 |
| Progressive | $183 |
| NJM | $186 |
| Plymouth Rock | $193 |
| Bristol West | $208 |
| Mercury | $285 |
| GEICO | $300 |
| Liberty Mutual | $359 |
| State Farm | $412 |
| Travelers | $543 |
Roughly 0.5% of New Jersey drivers have been convicted of driving under the influence (DUI), according to Insurify data.
If your blood alcohol content is greater than 0.08% but below 0.10%, you’ll lose your license for three months and pay nearly $4,000 in fines. You could also face up to 30 days in jail.[6]
A DUI in New Jersey raises insurance premiums more than any other violation, with New Jersey drivers paying an average of $353 per month. The following table shows the cheapest car insurance rates for drivers with a DUI in New Jersey.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $155 |
| NJM | $232 |
| Plymouth Rock | $242 |
| Progressive | $258 |
| Bristol West | $263 |
| Mercury | $323 |
| GEICO | $380 |
| Liberty Mutual | $449 |
| State Farm | $519 |
| Travelers | $670 |
High-risk drivers in New Jersey may need to prove they have at least state-minimum coverage after a DUI or other serious violation. To do this, their insurer files an SR-22 certificate with the New Jersey Motor Vehicle Commission. The form is usually required for three years and shows that the driver has the minimum required car insurance.
Insurance for drivers in New Jersey who need an SR-22 averages $238 per month for a liability-only policy.
Below, you can see the cheapest car insurance rates for drivers with an SR-22 in New Jersey.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $129 |
| NJM | $185 |
| Plymouth Rock | $201 |
| Progressive | $207 |
| Bristol West | $220 |
| Mercury | $260 |
| GEICO | $320 |
| Liberty Mutual | $374 |
| State Farm | $433 |
| Travelers | $559 |
Monthly rates start at $135 for drivers with an incident
Under New Jersey’s Graduated Driver Licensing (GDL) system, teens in New Jersey can get a learner’s permit at age 16, a probationary driver’s license at age 17, and a driver’s license at age 18. The GDL program helped reduce teen driver fatalities by 50% between 2010 and 2020.[7]
The average monthly liability-only premium for teen drivers in New Jersey is $287, and a full-coverage policy averages $398 per month.
The following table shows the cheapest car insurance quotes for teen drivers in New Jersey.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $154 |
| Progressive | $250 |
| Plymouth Rock | $271 |
| NJM | $279 |
| Bristol West | $282 |
| Mercury | $347 |
| GEICO | $412 |
| Liberty Mutual | $474 |
| State Farm | $608 |
| Travelers | $845 |
In 2023, New Jersey drivers 65 and older were involved in 148 fatal car accidents.[8]
Still, older drivers tend to be safer, obeying the speed limit and often driving fewer miles. Senior drivers in New Jersey pay an average of $189 $159 per month for liability coverage.
Below, you can see the cheapest car insurance premiums for senior drivers in New Jersey.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $81 |
| NJM | $102 |
| Plymouth Rock | $135 |
| Progressive | $138 |
| Bristol West | $141 |
| Mercury | $160 |
| GEICO | $197 |
| Liberty Mutual | $242 |
| State Farm | $263 |
| Travelers | $345 |
Car insurance companies in New Jersey may use your credit-based insurance score when determining your premium, but not as the only factor.[9] Drivers with bad credit typically pay higher premiums because insurers view them as more likely to file claims.
Drivers with poor credit in New Jersey pay an average of $218 per month for liability-only coverage. Full coverage averages $302 per month.
The table below highlights insurers with the cheapest rates for drivers with bad credit in New Jersey.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $116 |
| NJM | $172 |
| Plymouth Rock | $189 |
| Progressive | $190 |
| Bristol West | $204 |
| Mercury | $239 |
| GEICO | $297 |
| Liberty Mutual | $338 |
| State Farm | $471 |
| Travelers | $519 |
Let us do the work getting quotes from 120+ companies. You sit back and save!
For more information on New Jersey car insurance, see answers to the frequently asked questions below.
In New Jersey, drivers pay an average of $219 per month for car insurance, with full coverage averaging $255 per month and liability only averaging $184.
CSAA has the cheapest car insurance in New Jersey, based on Insurify data. Its liability-only coverage averages $100 per month, according to Insurify data.
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.
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.
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.
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:
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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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Featured in
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
