Cheapest Auto Insurance in New Jersey (2025)
With monthly liability quotes of $100, CSAA is the cheapest car insurance company in New Jersey.
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Written byA.M. Steinbach
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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 bySarah Archambault
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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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.
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Table of contents
- Cheapest car insurance companies in NJ
- Affordable car insurance in NJ
- Liability-only car insurance in NJ
- Full-coverage car insurance in NJ
- NJ car insurance requirements
- Car insurance quotes by history
- Car insurance quotes for seniors
- Car insurance quotes for teens
- Car insurance quotes by credit tier
- FAQs
Table of contents
New Jersey drivers pay an overall average of $220 per month for car insurance. This rate is about the same as the nationwide monthly average of $138.
Many factors influence car insurance costs in a state, including its population density, auto theft rates, and frequency of natural disasters.
Here’s what you should know about comparing quotes and finding affordable coverage in the Garden State.
Quick Facts
CSAA, Plymouth Rock, and NJM have the cheapest car insurance in New Jersey.
Liability insurance in New Jersey costs an average of $178 per month, and full coverage costs an average of $263 per month.
New Jersey is a no-fault state, which means both drivers file claims after an accident.
3 of the cheapest car insurance companies in New Jersey
Car insurance quotes vary based on a variety of factors, including your age, driving history, type of car, ZIP code, and more. While the companies listed below offer affordable rates to many New Jersey drivers, the best insurance policy for you depends on your specific financial situation and needs as a driver.
Insurance Company | 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. | Average Quote: Full Coverage | Average Quote: Liability Only | Best For |
|---|---|---|---|---|
| NJM | 9.0 | $176 | $154 | People with driving incidents |
| CSAA | 8.5 | $193 | $100 | Liability coverage |
| Plymouth Rock | N/A | $214 | $149 | Senior drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for people with driving incidents: NJM
| User Reviews | 4.3 |
|---|---|
| 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. | $154/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. | $176/mo |
4.3
Best choiceBased on 98 verified guest reviews and ratings
How drivers feel about NJ Manufacturers
Drivers appreciate the friendly service and efficient claim handling but dislike the significant rate increases and overall high prices.
AI-generated from the text of verified reviews collected by Insurify
Best For
New Jersey drivers
Good claims process
Robust discounts
How drivers feel about NJ Manufacturers
Drivers appreciate the friendly service and efficient claim handling but dislike the significant rate increases and overall high prices.
AI-generated from the text of verified reviews collected by Insurify
Best For
New Jersey drivers
Good claims process
Robust discounts
Reviews (17)
David
Verified Review
Boo NJM
Reviewed in New Jersey on October 2025
I was a customer for 25 years until they raised my premium by over $300 a year.
John
Verified Review
Excellent
Reviewed in New Jersey on September 2025
Okay, but I want a lower rate.
Luciano
Verified Review
Excellent
Reviewed in Connecticut on July 2025
Competitive rates.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
711NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.19A.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
Getting an at-fault accident or traffic violation on your record usually leads to higher rates, but NJM has affordable rates in New Jersey for drivers with an accident.
The company offers New Jersey drivers a three-year discount after enrolling in a defensive driver course. Other discounts, like for paperless payments, electronic payments, and paying in full, can help you find a lower rate.
Pros
Several available discounts
Above-average J.D. Power customer satisfaction score in Mid-Atlantic region
Cons
Coverage limited to Northeast U.S.
Rates higher than average for drivers with incidents on their record
Best insurer for liability coverage: CSAA
| User Reviews | 4.5 |
|---|---|
| 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. | 8.5 /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. | $100/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. | $193/mo |
4.5
Best choiceBased on 2,293 verified guest reviews and ratings
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (482)
Sandra
Verified Review
I've been with them for some time now and I'm not sure if they're the best for me right
Reviewed in Minnesota on November 2025
I feel the rates really went up after we had claims that weren't our fault, but otherwise, it was alright.
Catherine
Verified Review
AAA is great
Reviewed in Pennsylvania on November 2025
Very good to deal with.
Patricia
Verified Review
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
Reviewed in Illinois on October 2025
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28A.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).
AWhy we picked this company
CSAA’s average liability-only rates are less than the state average. While liability-only insurance is a less robust car insurance policy, it can still be a good choice for drivers of older cars. Unfortunately, CSAA has below-average customer satisfaction scores and requires an AAA membership to enroll. But membership comes with additional perks and discounts.
Pros
Some of the lowest liability-only rates in the state
Many discounts available through AAA membership
Cons
Below-average J.D. Power customer satisfaction score in Mid-Atlantic region
AAA membership required to enroll
Best insurer for senior drivers: Plymouth Rock
| 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. | $149/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. | $214/mo |
3.9
A solid optionBased on 271 verified guest reviews and ratings
How drivers feel about Plymouth Rock
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
AI-generated from the text of verified reviews collected by Insurify
Best For
Unique loyalty rewards
Group discount programs
Competitive pricing
How drivers feel about Plymouth Rock
Drivers appreciate the competitive rates and efficient customer service but dislike the frequent rate increases and the mandatory tracking app.
AI-generated from the text of verified reviews collected by Insurify
Best For
Unique loyalty rewards
Group discount programs
Competitive pricing
Reviews (131)
Fabio
Verified Review
I'm leaving as soon as I find a better rate.
Reviewed in Connecticut on September 2025
This insurance was the only option available with a good monthly premium that was affordable for me. However, when I needed their assistance for a claim, they sent an adjuster who was unhelpful. My car was vandalized while it was parked, and they increased my premium. How is that even fair?
Roseann
Verified Review
Expensive
Reviewed in Massachusetts on August 2025
My monthly bill is way too high.
Joseph
Verified Review
Insurance Review
Reviewed in Massachusetts on July 2025
Full coverage is expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.29A.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).
NRWhy we picked this company
Plymouth Rock offers seniors low average rates in New Jersey. Senior drivers older than 60 may qualify for its mature driver discount after completing an approved defensive driving course.
You can save additional money by bundling home and auto insurance, going accident-free over an extended period, or insuring multiple vehicles. But if you’re looking for top customer service, you may want to consider alternatives.
Pros
Several available discounts
Loyal customer benefits
Cons
Coverage limited to Northeast U.S.
Mixed customer reviews
How to get the cheapest car insurance in New Jersey
New Jersey drivers looking for the cheapest car insurance rates may want to consider the following options:[1]
Take advantage of discounts. Most companies offer discounts for safe driving, home and auto bundling, or adding multiple cars to your auto policy.
Choose a safe vehicle. Cars with advanced safety features and impressive safety records are cheaper to insure.
Improve your credit. New Jersey allows insurers to weigh your credit information when determining rates.
Raise your deductible. Drivers who choose a higher deductible generally pay lower monthly rates.
Compare quotes. Different insurance companies offer a range of rates. So, it’s a good idea to compare quotes from at least three different insurers.
New Jersey Special Automobile Insurance Policy (SAIP)
New Jersey’s Special Automobile Insurance Policy is an initiative to make auto insurance more affordable for low-income drivers in the state. If you’re a New Jersey resident enrolled in federal Medicaid with hospitalization, you may be eligible for the program, which costs $365 per year. Most insurance agencies can help you buy this coverage.
Drivers with a suspended license or registration aren’t eligible for the program.
Find Cheap Car Insurance in New Jersey
Liability rates start at $100 per month
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest liability-only car insurance quotes in New Jersey: CSAA
When an accident is your fault, liability insurance only covers repairs and medical expenses for the other driver. You can’t use liability coverage to fix your own vehicle or pay your medical bills. But without liability insurance, you’d be entirely responsible for paying the other driver’s costs out of pocket.
Liability insurance in New Jersey costs $178 per month, on average. The table below highlights the cheapest liability-only insurers in the state.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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 |
| Plymouth Rock | $149 |
| NJM | $154 |
| Bristol West | $156 |
| Mercury | $198 |
| Progressive | $226 |
| GEICO | $258 |
| Liberty Mutual | $326 |
| State Farm | $360 |
| Travelers | $465 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in New Jersey: NJM
Full-coverage car insurance includes collision coverage and comprehensive coverage in addition to liability insurance.
Collision insurance and comprehensive insurance offer a greater level of financial protection, helping cover the cost of repairs to your vehicle after an accident or non-collision event, like severe weather. Lenders may require drivers of financed vehicles to have full coverage.
New Jersey drivers pay a monthly average of $263 for full-coverage insurance. Here are some cheap full-coverage options in New Jersey.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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 | $176 |
| CSAA | $193 |
| Plymouth Rock | $214 |
| Mercury | $269 |
| GEICO | $294 |
| Progressive | $342 |
| Liberty Mutual | $379 |
| State Farm | $410 |
| Travelers | $531 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in New Jersey
Drivers using Insurify have found quotes as cheap as $92/mo for liability only and $138/mo for full coverage in New Jersey.
*Quotes generated for Insurify users within the last 10 days. Last updated on December 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on December 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in New Jersey
New Jersey is a “choice no-fault” state. This means you’re required to carry no-fault insurance, also known as personal injury protection.
In New Jersey, PIP covers medical bills after an accident, regardless of fault. When you purchase your policy, you can also add an “unlimited right to sue” option, which allows you to sue the other driver after an accident, depending on your injuries.[2]
Here’s a closer look at the coverage required in New Jersey for basic policies:[3]
Coverage | Minimum Requirements |
|---|---|
| Property damage liability | $5,000 per accident |
| Personal injury protection | $15,000 per person, per accident |
New Jersey insurance laws/programs
New Jersey drivers are required to present authorities with proof of insurance before an inspection, after an accident, and during a traffic stop or “spot check.” Driving without insurance can result in fines, community service, or a license suspension.
New Jersey’s “No-Pay, No-Play” law specifies that drivers who sue after an accident will be unable to gain “non-economic damages” if they were uninsured at the time of the accident.
Cheapest car insurance companies in NJ for drivers with an incident
People with traffic violations on their driving record often pay higher insurance rates. Certain types of incidents make you a high-risk driver, including speeding tickets, driving under the influence, and at-fault accidents.
Shop for Car Insurance in New Jersey
Monthly rates start at $132 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest car insurance quotes for drivers with a speeding ticket: Plymouth Rock
Insurers see drivers with speeding tickets on their records as having a higher risk for future insurance claims. Speeding is closely linked to serious traffic accidents, according to the National Safety Council. So, if you have a speeding ticket in your driving record, you may have to look a bit harder to find competitive rates.[4]
New Jersey drivers with a speeding ticket on their record pay an average of $239 per month for liability coverage and $352 for full coverage. Explore the cheapest car insurance options for drivers with speeding tickets in the table below.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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 | Avg. Quote With Clean Driving Record | Avg. Quote With Speeding Ticket |
|---|---|---|
| CSAA | $100 | $131 |
| Plymouth Rock | $149 | $196 |
| NJM | $154 | $220 |
| Bristol West | $156 | $202 |
| Mercury | $198 | $284 |
| Progressive | $226 | $303 |
| GEICO | $258 | $347 |
| Liberty Mutual | $326 | $429 |
| State Farm | $360 | $468 |
| Travelers | $465 | $618 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for drivers with an at-fault accident: Plymouth Rock
Insurers view drivers with at-fault accidents on their records as more likely to file claims in the future. In order to avoid future losses, car insurance companies charge these drivers higher monthly premiums.
Liability insurance costs an average of $209 per month for New Jersey drivers with an accident on their record. The following table highlights cheap car insurance in New Jersey for drivers with this incident.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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 | Avg. Quote With Clean Driving Record | Avg. Quote With Accident |
|---|---|---|
| CSAA | $100 | $134 |
| Plymouth Rock | $149 | $187 |
| NJM | $154 | $198 |
| Bristol West | $156 | $193 |
| Mercury | $198 | $281 |
| Progressive | $226 | $266 |
| GEICO | $258 | $311 |
| Liberty Mutual | $326 | $409 |
| State Farm | $360 | $444 |
| Travelers | $465 | $584 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for drivers with a DUI: CSAA
Driving under the influence (DUIs) can lead to serious, expensive accidents — and insurers manage this risk by charging higher rates for drivers with a DUI.
Liability insurance for drivers in New Jersey costs an average of $287 per month. That average increases to $423 per month for full coverage.
Here are the best options in New Jersey for drivers with a DUI.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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 | Avg. Quote With Clean Driving Record | Avg. Quote With DUI |
|---|---|---|
| CSAA | $100 | $154 |
| Plymouth Rock | $149 | $230 |
| NJM | $154 | $247 |
| Bristol West | $156 | $241 |
| Mercury | $198 | $315 |
| Progressive | $226 | $364 |
| GEICO | $258 | $394 |
| Liberty Mutual | $326 | $503 |
| State Farm | $360 | $556 |
| Travelers | $465 | $718 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for seniors: CSAA
Auto insurance rates often start higher for young drivers, then decrease around age 35 — but increase again once you hit 70. Senior drivers may face higher rates due to slowing mental fitness, deteriorating vision, and a greater risk of injury in the event of an accident. But it’s still possible for seniors to qualify for discounts.
Senior drivers in New Jersey pay $152 per month for liability coverage and $224 per month for full coverage, on average.
The table below highlights other cheap insurance options for seniors in New Jersey.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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 Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| NJM | $125 | $110 |
| CSAA | $152 | $79 |
| Plymouth Rock | $183 | $127 |
| Mercury | $216 | $159 |
| GEICO | $233 | $204 |
| Progressive | $292 | $193 |
| Liberty Mutual | $315 | $271 |
| State Farm | $321 | $282 |
| Travelers | $422 | $370 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for teens: CSAA
Teen drivers are less experienced behind the wheel and have a higher crash rate.[5] Car insurers charge teen drivers higher rates to account for this risk.
In New Jersey, teen drivers pay monthly averages of $249 for liability policies and $367 for full-coverage policies.
To get the best insurance rates, teens can stay on their parent’s insurance, get a safe car, or qualify for good student discounts. Teen drivers looking to save should also consider the insurers in the following table.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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 Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| CSAA | $281 | $146 |
| NJM | $333 | $291 |
| Plymouth Rock | $356 | $248 |
| Mercury | $440 | $324 |
| GEICO | $469 | $412 |
| Progressive | $478 | $316 |
| Liberty Mutual | $590 | $507 |
| State Farm | $705 | $619 |
| Travelers | $980 | $859 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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New Jersey car insurance quotes by credit tier
Auto insurance companies in New Jersey can use your credit history when determining rates. Drivers with less-than-perfect credit often pay higher rates.
The table below shows how much New Jersey drivers pay on average for car insurance based on credit tier.
Quotes by Credit Tier
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.
Car insurance rates across New Jersey cities
Car insurance rates in New Jersey vary widely based on your ZIP code. This is because distinct areas represent different levels of risk based on vehicle crime rates, weather patterns, and traffic levels. Below is a table with various cities in New Jersey and their average car insurance rates.
- CityFull CoverageLiability Only
Camden $374 $232 East Orange $355 $230 Jersey City $265 $177 Newark $371 $235 Trenton $303 $177 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
New Jersey car insurance FAQs
If you’re shopping for car insurance in the Garden State, this additional information may help as you research your coverage options.
How much is car insurance in New Jersey?
Car insurance in New Jersey costs an average of $178 per month for liability coverage and $263 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in New Jersey?
CSAA has the cheapest car insurance in New Jersey, with monthly liability rates as low as $100. Plymouth Rock and NJM also offer affordable coverage, with respective monthly liability rates of $149 and $154.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in New Jersey?
With an above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region, an AM Best financial strength rating of A+ (Superior), and an IQ Score of 9.0 out of 5, NJM is the best car insurance company in New Jersey.
Other top insurers to consider include CSAA and Plymouth Rock.
Is NJM cheaper than GEICO?
No. NJM is more expensive than GEICO. It has an average liability-only rate of $154 per month, compared to GEICO’s average monthly liability rate of $90.
What are the minimum car insurance requirements in New Jersey?
New Jersey requires drivers to carry $5,000 in property damage liability and $15,000 in personal injury protection coverage. But purchasing coverage beyond these limits can give you greater financial protection.
Methodology
Insurify data scientists analyzed more than 90 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
- Insurance Information Institute. "How to save money on car insurance."
- Nolo.com. "New Jersey No-Fault Car Insurance."
- New Jersey Department of Banking & Insurance. "Get Legal with New Jersey's Basic Auto Insurance Policy."
- National Safety Council. "Injury Facts."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
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A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
A.M. has been a contributor at Insurify since December 2022.
Edited bySarah Archambault
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, 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.