Who Has the Cheapest Car Insurance Quotes in New Jersey?
Who Has the Cheapest Car Insurance Quotes in New Jersey?
Geico has the best cheap car insurance for New Jersey drivers, averaging $44 per month for minimum liability quotes.
Find Cheap Auto Insurance Quotes in New Jersey
Best cheap car insurance companies in New Jersey
To help you choose the best cheap car insurance in New Jersey, our editorial team gathered quotes from every ZIP code for some of the largest car insurance companies in the state. We ranked the top companies in New Jersey based on convenience, customer service and coverage availability. We also rated the best companies based on cost for multiple driver profiles.
To find the cheapest insurers, we averaged quotes for liability-only coverage, which meets the state minimum requirements in New Jersey: $15,000 in bodily injury liability per person and $30,000 per accident, and $5,000 in property damage coverage, along with $15,000 in personal injury protection (PIP).
Quotes for full-coverage policies include higher liability limits than state minimums, along with collision and comprehensive coverage.
Cheapest car insurance quotes in New Jersey: Geico
Geico has the cheapest minimum coverage car insurance quotes in New Jersey, which averages $530 per year. Geico's policies cost nearly 50% less than the statewide average for minimum coverage.
The average cost of minimum coverage car insurance in New Jersey is $979 per year, or $82 per month.
Find Cheap Auto Insurance Quotes in New Jersey
Drivers may also find cheap car insurance in New Jersey from NJM and Plymouth Rock. Both offer average car insurance rates of $69 per month.
Company | Monthly rate | |
|---|---|---|
| Geico | $44 |
| Plymouth Rock | $69 |
| NJM | $69 |
| State Farm | $81 |
| Allstate | $99 |
| Progressive | $100 |
| Travelers | $108 |
*USAA is only available to current and former military members and their families.
Minimum coverage auto insurance quotes meet New Jersey's minimum state legal requirements, which includes $15,000 in bodily injury liability per person and $30,000 per accident, $5,000 in property damage coverage and $15,000 of personal injury protection (PIP).
Unlike full coverage policies, minimum coverage doesn't include comprehensive and collision insurance. Although minimum coverage costs less, you might not have enough protection after an accident because you have less liability coverage and you skip comprehensive and collision coverage.
Cheapest full coverage auto insurance in New Jersey: Geico
The average cost of full coverage in New Jersey is $1,969 per year, or $164 per month — more than twice as expensive as a liability-only policy.
The cheapest full coverage auto insurance company in New Jersey is Geico, where coverage costs an average of $1,153 per year — or $96 per month. Alternatively, drivers can find cheap rates from Plymouth Rock, which also offers car insurance quotes for $1,560 per year.
Company | Monthly rate |
|---|---|
| Geico | $96 |
| Plymouth Rock | $130 |
| State Farm | $137 |
| NJM | $145 |
| Progressive | $157 |
| Allstate | $220 |
| Travelers | $263 |
*USAA is only available to current and former military members and their families.
Comprehensive and collision coverages are included in full coverage policies and reimburse damage to your car after most accidents, thefts, natural disasters and vandalism.
Cheap car insurance quotes for New Jersey drivers with prior incidents
The cost of car insurance in New Jersey will typically increase for drivers after a driving incident. Drivers who have been in an at-fault accident or who have received a citation for speeding or after a DUI will likely see higher rates than those who haven't.
Find Cheap Auto Insurance Quotes in New Jersey
Cheapest quotes for people with a speeding ticket: Geico
New Jersey drivers who have one speeding ticket on their record may be able to find the cheapest full coverage car insurance quotes with Geico, which offers coverage for $1,153 per year — the same price you'd pay if you hadn't gotten a speeding ticket.
Plymouth Rock also keeps the same rates after a first speeding ticket. Its average price is $1,560 per year — $407 more expensive per year than Geico.
Receiving a speeding ticket can raise the cost of car insurance by about 15% on average, while being involved in an accident raises the cost by 57% on average.
Company | Monthly rate |
|---|---|
| Geico | $96 |
| Plymouth Rock | $130 |
| State Farm | $137 |
| NJM | $177 |
| Progressive | $208 |
| Allstate | $266 |
| Travelers | $314 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance after an accident: Geico
New Jersey drivers with an accident on their driving record may still be able to find cheap full coverage car insurance quotes at Geico, where the average price is $1,613 — 50% cheaper than average for car insurance after an accident.
Having just one accident on your driving record can increase your auto insurance quotes substantially, as a driver who's gotten in one crash is more likely to get in another in the future. New Jersey drivers pay 64% more after an at-fault accident.
Company | Monthly rate |
|---|---|
| Geico | $134 |
| NJM | $145 |
| Plymouth Rock | $196 |
| State Farm | $224 |
| Progressive | $253 |
| Travelers | $419 |
| Allstate | $513 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance rates after a DUI: Plymouth Rock
Drivers who have been cited for a DUI can still find cheap car insurance quotes in New Jersey from Plymouth Rock. Car insurance from Plymouth Rock costs $2,003 — 30% less than the average DUI rate.
After a DUI, the cost of car insurance in New Jersey can sharply increase to $2,841 per year for full coverage. That's an $872 jump compared to quotes for a driver with a clean record.
Company | Monthly rate |
|---|---|
| Plymouth Rock | $167 |
| NJM | $177 |
| Progressive | $188 |
| Geico | $193 |
| Travelers | $380 |
| State Farm | $527 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for married drivers: Geico
In New Jersey, Geico remains the cheapest option for married drivers, even though the insurer actually raises its rates for married individuals — likely to encourage bundling. In the state overall, the cost of full coverage auto insurance is 3% cheaper for married drivers than unmarried drivers.
It's common for insurers to offer slightly cheaper quotes to married drivers.
Company | Monthly rate |
|---|---|
| Geico | $105 |
| Plymouth Rock | $128 |
| State Farm | $137 |
| NJM | $137 |
| Progressive | $139 |
| Allstate | $207 |
| Travelers | $264 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for young drivers in New Jersey: Geico
18-year-old drivers in New Jersey should consider getting quotes from Geico, which offers minimum coverage for $1,017 per year — that's 62% cheaper than average. Geico is also the cheapest option for full coverage, with an annual premium of $2,488 per year.
In New Jersey, the average cost of minimum covergae car insurance for young drivers in New Jersey is $2,377, nearly three times as much as for an older driver. For full coverage, the average cost of coverage is $6,219 per year — 240% more than for an 30-year old driver.
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $1,017 | $2,488 |
| NJM | $1,733 | $3,538 |
| Travelers | $2,538 | $6,150 |
| Allstate | $2,669 | $7,749 |
| State Farm | $2,974 | $4,865 |
| Plymouth Rock | $3,152 | $5,770 |
| Progressive | $4,833 | $8,754 |
*USAA is only available to current and former military members and their families.
If possible, a young driver should try to stay on their parents' policy. The cost of adding an 18-year-old driver to an existing policy is much more affordable than the cost of a stand-alone policy.
Cheapest car insurance quotes for young drivers with a speeding ticket: Geico
Geico offers the cheapest car insurance for young drivers after they receive a speeding ticket. The insurer charges an average rate of $1,017 per year for minimum coverage, which is 66% cheaper than the statewide average. Notably, Geico doesn't increase quotes for young drivers after they receive a ticket for speeding.
Company | Monthly rate |
|---|---|
| Geico | $85 |
| NJM | $181 |
| State Farm | $248 |
| Travelers | $255 |
| Plymouth Rock | $263 |
| Allstate | $278 |
| Progressive | $431 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for teen drivers after an accident: Geico
Geico is also the cheapest car insurance company for young drivers with one prior at-fault accident, which offers coverage for 72% less than average. Along with Geico, NJM is the only other insurer to quote less than $2,000 per year for minimum coverage.
Company | Monthly rate |
|---|---|
| Geico | $96 |
| NJM | $144 |
| Travelers | $341 |
| Plymouth Rock | $377 |
| State Farm | $413 |
| Progressive | $478 |
| Allstate | $565 |
*USAA is only available to current and former military members and their families.
Best car insurance companies in New Jersey
NJM is the best car insurance company overall in New Jersey based on low rates, dependable service and great coverage.
State Farm also received an excellent rating of 4.5/5 stars. As the nation's largest insurer, State Farm offers dependable coverage in nearly every state in the country and offers robust online tools alongside affordable rates.
Customer service and coverage options are an important part of evaluating the quality of a car insurance policy. While finding an affordable rate for insurance is key, ultimately insurance is a service, and getting dependable coverage you can count on is equally essential.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| NJM | 867 | A+ | |
| State Farm | 852 | A++ | |
| Geico | 835 | A++ | |
| Travelers | 836 | A++ | |
| Progressive | 834 | A+ | |
| Allstate | 830 | A+ | |
| Plymouth Rock | 827 | A- |
New Jersey auto insurance coverage requirements
New Jersey drivers have the option of choosing between two types of policies: standard or basic. Uninsured/underinsured motorist coverage is available under a standard policy but not a basic policy. Additionally, some basic policies do not include the option for comprehensive and collision insurance, though availability differs by insurers.
Coverage | Minimum requirements |
|---|---|
| Bodily injury liability | $15,000 per person/$30,000 per accident |
| Property damage liability | $5,000 per accident |
| Personal injury protection (PIP) | $15,000 |
With minimum coverage or a basic plan, drivers can reduce the cost of their policies. However, full coverage auto insurance may be more appropriate for some drivers.
We recommend New Jersey drivers consider higher liability limits than they need for the state's minimum coverage laws, as well as comprehensive and collision coverage. Minimum coverage plans may not be enough to fully cover the cost of damage in an expensive accident.
Limited vs. unlimited right to sue for noneconomic losses
There's a unique feature to New Jersey's car insurance regulations that gives you the choice of a limited or unlimited right to sue for noneconomic losses after a car crash, which means the ability to sue for pain and suffering.
- Picking a limited right to sue (basic policies) usually means paying lower premiums.
- An unlimited right to sue (standard policies) can cost about 30% more than the limited option.
What are noneconomic losses?
Noneconomic losses are typically referred to as "pain and suffering" losses that are more subjective (e.g., loss of companionship/pleasure in life). This is different from suing for quantifiable damages, such as income loss from missing work or medical payments to cover your hospital bills.
What's the difference between a limited and unlimited right to sue?
A limited right to sue means you agree beforehand not to sue for pain and suffering. You can only sue for pain and suffering if your injury results in the loss of a limb, major disfigurement or scarring, a displaced fracture, the loss of a fetus, permanent injury to a body part or organ such that it can't heal normally, or death.
You can still sue for economic losses, but you have to pick between a limited right to sue or an unlimited right to sue for noneconomic losses.
Average cost of car insurance in New Jersey by city
The most expensive city in New Jersey for car insurance is Irvington, at $2,936 per year for full coverage. One of the cheapest cities is Frenchtown, at $1,715 per year.
The average cost of full coverage car insurance in New Jersey is $1,969 per year, or $164 per month. However, your city and ZIP play a major part in determining auto insurance rates, which is why we recommend that New Jersey drivers compare quotes online from multiple insurance companies in their area.
City | Average monthly cost | Percent from average |
|---|---|---|
| Absecon | $181 | 10% |
| Adelphia | $162 | -1% |
| Allendale | $156 | -5% |
| Allenhurst | $159 | -3% |
| Allentown | $148 | -10% |
Recap of the cheapest auto insurance quotes in New Jersey
- Minimum coverage: Geico
- Full coverage: Geico
- After a speeding ticket: Geico
- After an at-fault accident: Geico
- After a DUI: Plymouth Rock
- Poor credit history: Geico
- Married drivers: Geico
- Young drivers: Geico
- Young drivers after a ticket: Geico
- Young drivers after an accident: Geico
Frequently asked questions
What is the average cost of car insurance in New Jersey?
The average cost of auto insurance in New Jersey is $979 per year, or $82 per month, for a minimum coverage policy. The average cost for a full coverage policy is $164 per month, or $1,969 per year.
Which company offers the cheapest auto insurance in New Jersey for young drivers?
Geico offers the cheapest auto insurance in New Jersey for young drivers at $1,017 per year for a minimum coverage policy.
How much car insurance do I need in New Jersey?
For a typical car insurance policy, you are required to have at least $15,000 per person and $30,000 per accident of bodily injury liability coverage
Methodology
We collected thousands of rates from ZIP codes across New Jersey for the largest insurers in the state. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
The base policy for the study was a full coverage policy with the following limits:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $15,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum coverage policy, we received quotes for a policy with the minimum required limits in New Jersey. We used minimum coverage rates for our young driver quotes, except where noted.
For other rates analyses (such as accident history and marital status), the base policy listed above was altered to reflect the new driver.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.