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Car Insurance

New Jersey: Cheapest cities to drive

Whether you’re moving to New Jersey or looking for a new carrier, you’ll want to compare quotes and read our list of cheapest cities to drive in order to save the most money on auto insurance.

New Jersey has the densest system of highways in the U.S., which provides plenty of room for the state’s citizens, including The Boss, who were born to run...or drive in this case.If you’re making the move to the Garden State, it’d be best to compare quotes from top companies in order to start saving on your auto insurance.

It’s important to know that the state average for car insurance is just over $2,228 with the minimum state requirements. Even with this average, you can still end up spending more or less depending on where you live.

The cheapest cities in New Jersey to insure your vehicle:

  1. Hillsborough - $1,538

  2. Bridgewater - $1,563

  3. Toms River - $1,770

  4. Long Branch - $1,788

  5. Cherry Hill - $1,812

  6. Gloucester Township - $1,839

  7. Gloucester - $1,911

  8. Hamilton - $1,927

  9. Montclair - $1,947

  10. Woodbridge - $1,999

The above cities are some of the largest in the state and based on the listing, you’ll be able to approximate the cost of your insurance. Data from this study has also gone to show that the larger and more densely populated the city, the higher the annual costs for car insurance. Reasons for this vary but essentially, the more people there are, the more cars there will be. More cars mean a higher chance for accidents to occur and, in turn, a higher amount of claims for insurance companies to fulfill. Insurance companies like to avoid claims because it costs them money and when they have to continually pay out, they raise premiums. This rule of thumb applies to most insurance companies and cities.

Something that is unique to New Jersey is the ability for you to choose between a limited or unlimited right to sue for non-economic losses. Non-economic losses are usually synonymous with the phrase “pain and suffering” which can be subjective in the way that it can refer to the loss of a loved one or an erasure of the joy and pleasure you experienced previously. This is different from a lawsuit for any missed paychecks due to hospitalization post-accident.

With a limited right to sue you end up paying about 30% less than the unlimited option but you also give up your right to sue for non-economic losses. You’ll be able to sue for injuries and the usual, but you will only be able to sue for pain and suffering if what you suffer results in one of the following: loss of a body part, major scarring, displaced fracture, loss of a fetus, permanent injury to an organ that affects and halts its ability to heal, and death.

As for the second option, you’ll have the ability to sue for any pain or suffering incurred from an accident, both economic and non-economic losses without any strings attached. Keep in mind that with this option you do end up paying significantly more for this coverage.

New Jersey is a no fault state and therefore requires you to carry PIP insurance. So while you’re shopping around, remember that you must carry the state minimum coverage that includes liability to cover your own medical and property damage expenses regardless of whether or not you were at fault. The state minimum has been set at 15/30/5 which includes: $15,000 coverage for bodily injury per person, $30,000 total coverage for bodily injury per accident, and $5,000 coverage for property damage. You might want to consider buying more than the state minimum if you’re worried you won’t be able to pay for uncovered bills out of pocket.

Start shopping with a comparison site that makes it easy to customize your coverage and earn discounts. Insurify’s intelligent, virtual agent can help assess what liability exactly fits your needs and give you the power to compare all carriers within your region to get you the best rate possible.