Auto Insurance Basics

Auto Insurance Companies in New Jersey

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There are approximately 40 major auto insurance companies licensed in New Jersey to sell policies. Many of them range from nationally recognized giants, including State Farm, GEICO, and Allstate, to more local and state-specific companies such as the New Jersey Manufacturers Group and New Jersey Skylands Insurance, just to name a few. Below is a listing of the car insurance companies in New Jersey, ranked from the largest to the smallest. There are a number to choose from, so we'll highlight some of the local and useful features most applicable to Garden State drivers, and provide their contact information.


Known for its slogan, “15 minutes could save you 15 percent or more on car insurance”, the Government Employees Insurance Company (GEICO) is the second largest auto insurer in the United States, but insures the most cars on the road in New Jersey. While GEICO primarily provides auto insurance quotes online, they do have local agents in five locations in New Jersey for drivers looking for personal assistance: Cherry Hill, Hackensack, Hamilton, Monmouth, and Somerset-Middlesex. 

NJM Group

The New Jersey Manufacturers Insurance Company (NJM) is headquartered in West Trenton, NJ with two other branches in Parsippany and Hammonton. NJM only insures select drivers, but their list of partner organizations is quite long. You must be employed by the state of New Jersey or belong to one of the roughly 20,000 organizations in the New Jersey Business & Industry Association (NJBIA). NJM insures the second most amount of cars on New Jersey roads and have received a financial rating of A++ (Superior rating) from A.M. Best Company, the nation’s leading insurance rating agency.

Allstate Group

Allstate is the third largest car insurer in New Jersey, and one of the largest (and our top pick for) agent-based auto insurance companies. They have a large network of agents and local offices all over the Garden State, which makes it one of the more convenient insurers for motorists who prefer an in-person relationship with their company. The company's headquarters in New Jersey is in Bridgewater at 695 US Highway 202/206.

State Farm Group

Like a good neighbor, State Farm is there at (800) 782-8332. Headquartered in Illinois, State Farm is the largest auto insurer in America with about one in every five cars on the road being insured by the company. Aside from its online quoting system, State Farm also operates a large network of local agents to provide personal customer service for consumers alongside their online quotes. One discount available to New Jersey drivers is the Personal Injury Protection Additional Cars Discount, which is only valid if the owner is the only licensed driver in the house who operates two or more cars insured by State Farm.

Progressive Group

Headquartered in Ohio, Progressive’s main New Jersey service center is located in South Plainfield at 152 West Street. Progressive operates one service center in South Plainfield, NJ (there's one across the border in Willow Grove, PA too). Service centers are one-stop shops where customers who have been in a collision can get their cars fixed and pick up a new rental car as seamlessly as possible. Progressive entered New Jersey in September 2005 and has been growing ever since. 

Plymouth Rock

Located in Red Bank, NJ with offices in New Hampshire, Connecticut and Massachusetts, Plymouth Rock can be contacted at (732) 978-6000. High Point Insurance, Palisades Insurance and Teachers’ Insurance Plan of NJ have all become part of the Plymouth Rock Assurance brand to operate more efficiently. Plymouth Rock is invested in the state; it is a founding sponsor of the Jersey Doesn’t Stink movement, which supports establishing scenic roadways for drives in New Jersey. 

Liberty Mutual Group

Based in Boston Massachusetts, Liberty Mutual Group has 15 local offices in New Jersey. Liberty Mutual is the third largest property and casualty insurer and owns many local insurance companies across the globe. This insurer also offers discounts to numerous New Jersey college alumni, certain employers and groups, and State of New Jersey employees. These groups are larger organizations, such as Rutgers University or Fairleigh Dickinson, which mean that a large number of motorists in New Jersey might be able to save on their auto insurance costs with Liberty Mutual. 

USAA Group

The United Services Automobile Association is a Texas-based insurer that only offers insurance to people and families that are serving or have served in the United States military. Although USAA serves a smaller portion of the population, it has high ratings for customer service. This is great news for personnel and officers stationed at army bases such as Fort Dix and Picatinny Arsenal in the Garden States, as drivers may be able to get auto insurance from one of the more consistently affordable companies in the nation.

Travelers Group

state. Headquartered in New York City with their largest location in Connecticut, Travelers Group's offices can be found all over the world. In New Jersey, there are four major field offices in Edison, Marlton, Parsippany, and Morris Plains. Outside of the field offices, a number of independent agencies can provide quotes for Travelers - there are six in Newark, NJ alone.

AAA / California State Auto Group

American Automobile Association (AAA) has four branch locations in Florham Park, Roxbury, West Caldwell, and Union, with other types of offices around New Jersey. AAA itself is an automobile association, but California State Auto Group, an affiliated company, underwrites the auto insurance policies. Members in New Jersey are part of the Southern New England division, and can get special discounts at movie theaters, amusement parks, and more. To be considered for these special discounts, there is an annual fee ranging from $15 to $52 depending on where in the state you live. AAA also provides 24-hour roadside assistance through online requests or phone calls for drivers needing help. 

21st Century Group

21st Century Group is part of the Farmers Insurance Group of Companies headquartered in Wilmington, DE. They do not have local agents, and sell auto insurance directly to consumers online. 21st Century is a 9-time ACE (Achievement in Customer Excellence) winner and in 2015 they won the Best Use of Feedback Solutions in the Contact Center. 

Esurance Insurance Company

Esurance gained its footing in New Jersey in 2005. A subsidiary of Allstate, Esurance sells car insurance online and over the phone. CoverageMyWay is a feature on their website that helps people looking for quotes find the best insurance policy by highlighting certain coverages that may be useful based on consumers’ profiles. 

Citizens United Reciprocal Exchange (CURE)

With offices located in Princeton and Hamilton, CURE is a different kind of auto insurance company. Its quotes are based on how well members drive, and not other factors like education or credit score that insurers typically review. This is a unique in New Jersey, as it is an opportunity for people to obtain affordable insurance who may not necessarily have the greatest credit scores or advanced educational degrees that other insurers look favorably on. Another unique feature is that customers can pay by text. 

American Commerce Insurance Company

Commerce Insurance Company is a subsidiary of MAPFRE, a Spanish insurance group. Local agents can be found in Marlton, Long Branch, Florham Park, Vineland, Pleasantville, Egg Harbor Township, and Cherry Hill. MAPFRE can cover private passenger autos, conversion vehicles, classic, antique, and exhibition cars, all the way to golf carts. An option for reduced rates is teenSMART, a defensive driving course for teens to learn the six factors that cause most teen collisions. 

Encompass Auto

Encompass Auto is a subsidiary of Allstate and was established in 2000. Encompass Insurance is available at independent agencies throughout New Jersey, who work together to provide a personalized insurance policy. Their most popular discount is the Encompass One Policy, which combines homeowners and auto insurance policies and allows members to have one bill and agent for insurance.  

Selective Auto Insurance Company of NJ

Selective Insurance Group’s corporate headquarters is in Branchville, NJ and it provides a broad range of auto insurance. Rated A by A.M. Best Company, Selective requests that all members work with an agent to ensure that they are getting the right coverages. 

Hanover Insurance Company

Agents can be reached at Hanover Insurance's main New Jersey office located in Somerset. This insurer provides many different levels of auto insurance coverage depending on consumers’ needs, including: the Hanover Platinum Experience with products like Platinum Auto Essential, Platinum Auto Advantage, and Platinum Auto Elite. Hanover Insurance even offers Pet Injury Protection if a driver’s cat or dog is injured or killed in an accident. 

The Hartford Group

Headquartered in Hartford, Connecticut, Hartford Group mostly sells through agents and is the partner insurance underwriter for AARP, a huge plus for mature drivers who enjoy a personalized interaction with an agent. The Hartford offers options such as No-Drop Promise and Disappearing Deductible for collisions that reward New Jerseyans who maintain a clean driving record.

Other Car Insurers in NJ

Beyond the car insurance companies highlighted and discussed above, here are a number of other providers licensed in New Jersey:

Company Telephone Number
Metropolitan Group (MetLife) (800) 422-4272
Farmers Group (800) 493-4917
Amica Group (800) 242-6422
Personal Service Insurance Company (800) 954-2442 
IFA Insurance Company (877) 432-0292 
NJ Skylands Association (866) 279-7688 
Mercury Indemnity Company of America (800) 956-3728
Founders Insurance Company (800) 766-2245
IDS Property and Casualty (920) 330-5100
Chubb Insurance Company of NJ (800) 252-4670
American National Financial Group (518) 431-5000

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