Who Has the Cheapest Car Insurance Quotes in New Jersey?

Who Has the Cheapest Car Insurance Quotes in New Jersey?

We reviewed all of the top auto insurance companies in New Jersey and found that State Farm has the best rates for drivers with a minimum coverage rate of $367.

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Read on for our analysis of the cheapest insurers in the state, or enter your ZIP code above to compare rates. And if you're not shopping based on cost, we also rated the best companies in the state based on customer service quality.

Cheapest car insurance companies in New Jersey

The average cost of minimum coverage car insurance in New Jersey is $812 per year, or $68 per month.

The cheapest minimum coverage car insurance quotes in New Jersey are offered by State Farm, which charges an average of $367 per year. State Farm's rates cost 55% less than the statewide average for minimum coverage.

Alternatively, drivers may find cheap car insurance in New Jersey from Geico, Progressive and Travelers. These three auto insurers have average car insurance rates of $697 per year, or about $58 per month.

Cheapest auto insurance in New Jersey

Find Cheap Auto Insurance Quotes in New Jersey

Currently insured?
Insurer
Annual cost
Monthly cost
State Farm logo
State Farm$367$31
Geico logo
Geico$561$47
Progressive logo
Progressive$739$62
Travelers logo
Travelers$790$66
NJM logo
NJM$918$77
Show All Rows

Learn how we conducted this analysis in our methodology

Minimum coverage auto insurance policies meet New Jersey's minimum state legal requirements. 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 forgo comprehensive and collision coverage.

Cheapest full coverage auto insurance in New Jersey: Geico

The average cost of full coverage in New Jersey is $2,809 per year, or $234 per month — more than three times greater than the cost of a liability-only policy.

The cheapest full coverage auto insurance company in New Jersey is Geico, where coverage costs an average of $1,349 per year — or $112 per month. Alternatively, drivers can find cheap coverage from State Farm and NJM, which all offer coverage for less than $2,000 per year.

Rank
Insurer
Annual cost
Monthly cost
1Geico$1,349$112
2State Farm$1,640$137
3NJM$1,898$158
4Progressive$2,141$178
5Palisades$2,970$248
6Travelers$4,479$373
7Allstate$5,185$432

Comprehensive and collision coverages are included in full coverage policies and reimburse damage to your car following most accidents, thefts, natural disasters and vandalism.

Cheap car insurance for drivers with prior incidents

In most cases, the average cost of car insurance in New Jersey increases for drivers who have one prior incident on their records. Drivers who have been in an at-fault accident or who have received a citation for speeding or a after a DUI will likely see higher rates than those who haven't. For this reason, ValuePenguin found the most affordable coverage for drivers with a variety of characteristics.

Find Cheap Auto Insurance Quotes in New Jersey

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Cheapest full coverage auto insurance in New Jersey with a prior accident: NJM

Having just one accident on your driving record can increase your auto insurance quotes substantially. New Jersey drivers with an accident on their driving record may still be able to find cheap full coverage car insurance quotes at NJM, where rates were 58% cheaper than average. Notably, NJM was the only insurer not to raise its premiums after one accident.

Insurer
Annual cost
Monthly cost
NJM$1,898$158
Geico$1,906$159
State Farm$2,685$224
Average in New Jersey$4,539$378

Quotes are for an at-fault accident where the injured driver makes a liability claim.

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Cheapest for people with a speeding ticket: Geico

Receiving a speeding ticket can raise the cost of car insurance, but not as much as being involved in an accident does. New Jersey drivers who have one speeding ticket on their records may be able to find the cheapest full coverage car insurance quotes with Geico, which offers coverage for $1,349 per year.

While NJM didn't increase its rates after one at-fault accident, it's important to note that it did raise its premiums after a speeding ticket. Rates may still be affordable compared to the rest of the insurers in the state.

Insurer
Annual cost
Monthly cost
Geico$1,349$112
State Farm$1,640$137
NJM$2,335$195
Average in New Jersey$3,186$265
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Cheapest car insurance for drivers with a DUI: NJM

After a DUI, the cost of car insurance in New Jersey can sharply increase by nearly $1,679 per year. Drivers who have been cited for a DUI might still find cheap car insurance in New Jersey from NJM. Car insurance from NJM costs 48% less than average after a driver gets a DUI.

Insurer
Annual cost
Monthly cost
NJM$2,335$195
Progressive$2,461$205
Geico$2,762$230
Average in New Jersey$4,488$374
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest car insurance for drivers with a DUI: NJM\u003C\/h3\u003E\n\n\u003Cp\u003EAfter a DUI, the cost of car insurance in New Jersey can sharply increase by nearly $1,679 per year.\nDrivers who have been cited for a DUI might still find cheap car insurance in New Jersey from \u003Cstrong\u003ENJM\u003C\/strong\u003E. Car insurance from NJM costs 48% less than average after a driver gets a DUI.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENJM\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,335\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$195\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,461\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$205\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,762\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$230\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAverage in New Jersey\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,488\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$374\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"NJM\",\"$2,335\",\"$195\"],[\"Progressive\",\"$2,461\",\"$205\"],[\"Geico\",\"$2,762\",\"$230\"],[\"Average in New Jersey\",\"$4,488\",\"$374\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n","padding":"double"}

Cheapest car insurance for married drivers: Geico

It's common for insurers to offer slightly cheaper rates to married drivers. In New Jersey, the cost of full coverage auto insurance is $100 cheaper for married drivers than unmarried. Geico remains the cheapest option for most people, even though the insurer actually raised its rates for married individuals — likely to encourage bundling.

Insurer
Annual cost
Monthly cost
Geico$1,474$123
State Farm$1,640$137
NJM$1,792$149
Average in New Jersey$2,710$226
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIt's common for insurers to offer slightly cheaper rates to \u003Cspan class=\"ReactComponent--root\"\u003E\n \u003Cspan class=\"js-react-component-rendered js-react-component-Tooltip\" data-component-name=\"Tooltip\"\u003E\n \u003Cspan class=\"Root-sc-1s0tjjv iFkEyL\"\u003E\u003Cspan class=\"TriggerContent-sc-6l8ey JCLIs\"\u003Emarried drivers.\u003C!-- --\u003E \u003C\/span\u003E\u003C\/span\u003E\n \u003C\/span\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"Tooltip\"\u003E\n {\"content\":\"Married drivers tend to pay slightly less for car insurance because there's a correlation between \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"being married\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/car-insurance-for-couples\\\"\\u003Ebeing married\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E and lower accident rates.\",\"icon\":\"\",\"label\":\"\",\"triggerText\":\"married drivers.\"}\n \u003C\/script\u003E\n\u003C\/span\u003E\n In New Jersey, the cost of full coverage auto insurance is $100 cheaper for married drivers than unmarried. \u003Cstrong\u003EGeico\u003C\/strong\u003E remains the cheapest option for most people, even though the insurer actually raised its rates for married individuals \u2014 likely to encourage bundling.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,474\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$123\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,640\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$137\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENJM\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,792\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$149\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAverage in New Jersey\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,710\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$226\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"Geico\",\"$1,474\",\"$123\"],[\"State Farm\",\"$1,640\",\"$137\"],[\"NJM\",\"$1,792\",\"$149\"],[\"Average in New Jersey\",\"$2,710\",\"$226\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n","padding":"double"}

Cheapest car insurance for young drivers: Geico

In New Jersey, car insurance is more expensive for young drivers: the average cost of car insurance for young drivers in New Jersey is $5,022 more expensive per year than for most people.

For minimum coverage, the average cost of car insurance for 18-year-old drivers in New Jersey is $2,309, nearly three times greater than for older drivers. For full coverage, the average cost of coverage is $7,831 per year, or $653 per month.

Young drivers could get the full coverage with Geico, which offers coverage for $2,972 per year — 62% cheaper than average. The insurer is also the cheapest option for minimum coverage, with an annual premium of $1,138, or $95 per month.

Rank
Insurer
Full coverage
Minimum coverage
1Geico$2,972$1,138
2NJM$3,807$1,844
3State Farm$5,291$1,219
4Progressive$8,751$3,427
5Travelers$9,863$1,619
6Allstate$11,317$2,407
7Palisades$12,819$4,506

Rates are for an 18-year-old driver, and are ordered by full coverage.

If their situation allows it, young drivers 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 standalone policy.

Find Cheap Auto Insurance Quotes in New Jersey

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Cheapest car insurance for young drivers with an accident: Geico

As with older drivers, one accident causes rates to increase significantly. The cheapest car insurance for young drivers with one prior accident comes from Geico, which offered coverage for 72% less than average. Along with Geico, NJM and State Farm are the only insurers to quote less than $10,000 for coverage.

Insurer
Annual cost
Monthly cost
Geico$3,424$285
NJM$3,807$317
State Farm$8,834$736
Average in New Jersey$12,350$1,029

Cheapest car insurance for young drivers with a speeding ticket: Geico

After receiving a speeding ticket, drivers may find the cheapest car insurance from Geico. The insurer charges an average rate of $2,972, which is 65% cheaper than the statewide mean. Notably, Geico didn't change its rates for young drivers after they received a ticket for speeding.

Insurer
Annual cost
Monthly cost
Geico$2,972$248
NJM$4,759$397
State Farm$5,291$441
Average in New Jersey$8,535$711
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nIn New Jersey, car insurance is more expensive for young drivers: the average cost of car insurance for young drivers in New Jersey is $5,022 more expensive per year than for most people.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EFor minimum coverage, the average cost of car insurance for 18-year-old drivers in New Jersey is \u003Cstrong\u003E$2,309\u003C\/strong\u003E, nearly three times greater than for older drivers. For full coverage, the average cost of coverage is $7,831 per year, or $653 per month.\u003C\/p\u003E\n\n\u003Cp\u003EYoung drivers could get the full coverage with \u003Cstrong\u003EGeico\u003C\/strong\u003E, which offers coverage for $2,972 per year \u2014 62% cheaper than average. The insurer is also the cheapest option for minimum coverage, with an annual premium of $1,138, or $95 per month.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EFull coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMinimum coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,972\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,138\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENJM\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,807\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,844\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,291\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,219\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,751\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,427\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETravelers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$9,863\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,619\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$11,317\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,407\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E7\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPalisades\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$12,819\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,506\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003ERates are for an 18-year-old driver, and are ordered by full coverage.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"Insurer\",\"Full coverage\",\"Minimum coverage\"],[\"1\",\"Geico\",\"$2,972\",\"$1,138\"],[\"2\",\"NJM\",\"$3,807\",\"$1,844\"],[\"3\",\"State Farm\",\"$5,291\",\"$1,219\"],[\"4\",\"Progressive\",\"$8,751\",\"$3,427\"],[\"5\",\"Travelers\",\"$9,863\",\"$1,619\"],[\"6\",\"Allstate\",\"$11,317\",\"$2,407\"],[\"7\",\"Palisades\",\"$12,819\",\"$4,506\"]],\"footnote\":\"Rates are for an 18-year-old driver, and are ordered by full coverage.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIf their situation allows it, young drivers should try to stay on their \u003Cspan class=\"ReactComponent--root\"\u003E\n \u003Cspan class=\"js-react-component-rendered js-react-component-Tooltip\" data-component-name=\"Tooltip\"\u003E\n \u003Cspan class=\"Root-sc-1s0tjjv iFkEyL\"\u003E\u003Cspan class=\"TriggerContent-sc-6l8ey JCLIs\"\u003Eparents' policy.\u003C!-- --\u003E \u003C\/span\u003E\u003C\/span\u003E\n \u003C\/span\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"Tooltip\"\u003E\n {\"content\":\"Adding a teen to a \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"parent's policy\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/best-car-insurance-teen-drivers\\\"\\u003Eparent's policy\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E will raise rates, but will end up being cheaper overall in most cases.\",\"icon\":\"\",\"label\":\"\",\"triggerText\":\"parents' policy.\"}\n \u003C\/script\u003E\n\u003C\/span\u003E\n The cost of adding an 18-year-old driver to an existing policy is much more affordable than the cost of a standalone policy.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-QuoteWizardQuoteForm\" data-component-name=\"QuoteWizardQuoteForm\"\u003E\n \u003Cdiv class=\"QuoteWizardQuoteForm--root\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--form-container\"\u003E\u003Ch3 class=\"QuoteWizardQuoteForm--title\"\u003EFind Cheap Auto Insurance Quotes in New Jersey\u003C\/h3\u003E\u003Cform id=\"QuoteWizardQuoteForm--671\" class=\"QuoteWizardQuoteForm--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C30088\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\" value=\"_best-cheap-car-insurance-new-jersey\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"VPT1\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--fields\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--product\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field \"\u003E\u003Cselect aria-label=\"Insurance Type\" class=\"InputDropdown--select\" name=\"Insurance Type\"\u003E\u003Coption selected=\"\" value=\"auto\"\u003EAutomotive\u003C\/option\u003E\u003Coption value=\"home\"\u003EHomeowners\u003C\/option\u003E\u003Coption value=\"life\"\u003ELife\u003C\/option\u003E\u003Coption value=\"motorcycle\"\u003EMotorcycle\u003C\/option\u003E\u003Coption value=\"renters\"\u003ERenters\u003C\/option\u003E\u003Coption value=\"health\"\u003EHealth\u003C\/option\u003E\u003Coption value=\"medicare\"\u003EMedicare\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--zip-code\"\u003E\u003Cdiv class=\"ZipCodeInput--root \"\u003E\u003Cdiv class=\"TextInput--root TextInput--required ZipCodeInput--input\"\u003E\u003Cdiv class=\"TextInput--field TextInput--none TextInput--field-container\"\u003E\u003Cinput type=\"tel\" aria-label=\"zip\" class=\"TextInput--input\" name=\"zip\" placeholder=\"Zip Code\" required=\"\" style=\"width:100%\" tabindex=\"0\" value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--age\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field \"\u003E\u003Cselect aria-label=\"age\" class=\"InputDropdown--select\" name=\"age\"\u003E\u003Coption selected=\"\" value=\"age\"\u003EAge\u003C\/option\u003E\u003Coption value=\"16\"\u003E16-20\u003C\/option\u003E\u003Coption value=\"21\"\u003E21-24\u003C\/option\u003E\u003Coption value=\"25\"\u003E25-34\u003C\/option\u003E\u003Coption value=\"35\"\u003E35-44\u003C\/option\u003E\u003Coption value=\"45\"\u003E45-54\u003C\/option\u003E\u003Coption value=\"55\"\u003E55-65\u003C\/option\u003E\u003Coption value=\"66\"\u003E65+\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-title\"\u003ECurrently insured?\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-field\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field \"\u003E\u003Cselect aria-label=\"Prior Insurance Status\" class=\"InputDropdown--select\" name=\"Prior Insurance Status\"\u003E\u003Coption selected=\"\" value=\"1\"\u003EYes\u003C\/option\u003E\u003Coption value=\"0\"\u003ENo\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--submit\"\u003E\u003Cbutton aria-label=\"NJ Quotes\" class=\"Button--root Button--primary \" type=\"submit\" value=\"NJ Quotes\"\u003ENJ Quotes\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"NJ Quotes\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--671\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"isZipGeolocated\":false,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":false,\"style\":\"\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in New Jersey\",\"trackingKey\":\"_best-cheap-car-insurance-new-jersey\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest car insurance for young drivers with an accident: Geico\u003C\/h3\u003E\n\n\u003Cp\u003EAs with older drivers, one accident causes rates to increase significantly. The cheapest car insurance for young drivers with one prior accident comes from \u003Cstrong\u003EGeico\u003C\/strong\u003E, which offered coverage for 72% less than average. Along with Geico, \u003Cstrong\u003ENJM\u003C\/strong\u003E and \u003Cstrong\u003EState Farm\u003C\/strong\u003E are the only insurers to quote less than $10,000 for coverage.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,424\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$285\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENJM\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,807\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$317\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,834\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$736\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAverage in New Jersey\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$12,350\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,029\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"Geico\",\"$3,424\",\"$285\"],[\"NJM\",\"$3,807\",\"$317\"],[\"State Farm\",\"$8,834\",\"$736\"],[\"Average in New Jersey\",\"$12,350\",\"$1,029\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest car insurance for young drivers with a speeding ticket: Geico\u003C\/h3\u003E\n\n\u003Cp\u003EAfter receiving a speeding ticket, drivers may find the cheapest car insurance from Geico. The insurer charges an average rate of $2,972, which is 65% cheaper than the statewide mean. Notably, Geico didn't change its rates for young drivers after they received a ticket for speeding.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,972\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$248\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENJM\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,759\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$397\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,291\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$441\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAverage in New Jersey\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,535\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$711\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"Geico\",\"$2,972\",\"$248\"],[\"NJM\",\"$4,759\",\"$397\"],[\"State Farm\",\"$5,291\",\"$441\"],[\"Average in New Jersey\",\"$8,535\",\"$711\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n","padding":"double"}

Best car insurance companies in New Jersey

Customer service and reviews are an important part of evaluating the quality of a car insurance policy. For this reason, ValuePenguin commissioned a survey from policyholders about their opinions regarding their insurance providers.

In this survey, State Farm was the most highly rated insurer. Seventy-three percent of policyholders reported being extremely satisfied with their most recent claim. Also, 46% rated State Farm's customer service as excellent.

Overall rank*
Group
Claim satisfaction rating
Customer service rating
1State Farm73%46%
2Allstate72%47%
3Progressive74%34%
4Geico64%42%
5Travelers63%33%
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*Overall rank takes both claim satisfaction and customer service ratings into account. Explanation of ratings are in the Methodology section.

According to the Complaint Index, published by the National Association of Insurance Commissioners (NAIC), the best auto insurance companies in New Jersey from our study are Palisades and NJM, though these aren't necessarily the cheapest options for most people.

Insurer
2019 NAIC complaint index
2020 J.D. Power Claims Satisfaction
AM Best Rating
Palisades0.06A
NJM Insurance0.08909A+
Travelers0.26861A++
Allstate0.27876A+
State Farm0.30881A++
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The Complaint Index measures the number of complaints a company receives compared to the average insurer in the state. An index of 1.0 is average, while one that's less than 1.0 signifies fewer than the average number of complaints.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003ECustomer service and reviews are an important part of evaluating the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"quality of a car insurance policy\" href=\"https:\/\/www.valuepenguin.com\/best-auto-insurance\"\u003Equality of a car insurance policy\u003C\/a\u003E\u003C\/span\u003E. For this reason, ValuePenguin commissioned a survey from policyholders about their opinions regarding their insurance providers.\u003C\/p\u003E\n\n\u003Cp\u003EIn this survey, \u003Cstrong\u003EState Farm\u003C\/strong\u003E was the most highly rated insurer. Seventy-three percent of policyholders reported being extremely satisfied with their most recent claim. Also, 46% rated State Farm's customer service as excellent.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EOverall rank*\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EGroup\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EClaim satisfaction rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECustomer service rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E73%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E46%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E72%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E47%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E74%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E34%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E64%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E42%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETravelers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E63%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E33%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv role=\"button\" class=\"StyledExpander-sc-1gnrutu gvWduk\"\u003EShow All Rows\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Overall rank*\",\"Group\",\"Claim satisfaction rating\",\"Customer service rating\"],[\"1\",\"State Farm\",\"73%\",\"46%\",\"\"],[\"2\",\"Allstate\",\"72%\",\"47%\",\"\"],[\"3\",\"Progressive\",\"74%\",\"34%\",\"\"],[\"4\",\"Geico\",\"64%\",\"42%\",\"\"],[\"5\",\"Travelers\",\"63%\",\"33%\",\"\"],[\"N\\\/A\",\"NJM\",\"\\u2014\",\"\\u2014\"],[\"N\\\/A\",\"Palisades\",\"\\u2014\",\"\\u2014\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\",\"maxDefaultRows\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003E*Overall rank takes both claim satisfaction and customer service ratings into account. Explanation of ratings are in the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Methodology\" href=\"#methodology\"\u003EMethodology\u003C\/a\u003E\u003C\/span\u003E section.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EAccording to the Complaint Index, published by the National Association of Insurance Commissioners (NAIC), the best auto insurance companies in New Jersey from our study are \u003Cstrong\u003EPalisades\u003C\/strong\u003E and \u003Cstrong\u003ENJM\u003C\/strong\u003E, though these aren't necessarily the cheapest options for most people.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2019 NAIC complaint index\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2020 J.D. Power Claims Satisfaction\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAM Best Rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPalisades\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.06\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENJM Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.08\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E909\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETravelers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.26\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E861\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.27\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.30\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E881\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv role=\"button\" class=\"StyledExpander-sc-1gnrutu gvWduk\"\u003EShow All Rows\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"2019 NAIC complaint index\",\"2020 J.D. Power Claims Satisfaction\",\"AM Best Rating\"],[\"Palisades\",\"0.06\",\"\\u2014\",\"A\"],[\"NJM Insurance\",\"0.08\",\"909\",\"A+\"],[\"Travelers\",\"0.26\",\"861\",\"A++\"],[\"Allstate\",\"0.27\",\"876\",\"A+\"],[\"State Farm\",\"0.30\",\"881\",\"A++\"],[\"Progressive\",\"0.40\",\"856\",\"A+\"],[\"Geico\",\"0.76\",\"871\",\"A++\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\",\"maxDefaultRows\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root ShortcodeBorder--with-padding\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe Complaint Index measures the number of complaints a company receives compared to the average insurer in the state. An index of 1.0 is average, while one that's less than 1.0 signifies fewer than the average number of complaints.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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 comprehensive and collision insurance, though availability differs by insurers.

Liability 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 per person/$30,000 per accident

The minimum coverage limits in the table above apply to both standard and basic auto insurance policies.

With minimum coverage, 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.

  • Picking a limited right to sue usually means paying lower premiums.
  • An unlimited right to sue 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 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 body part loss, major disfigurement or scarring, a displaced fracture, a loss of a fetus, permanent injury to a body part or organ such that it can't heal normally, and 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 average cost of full coverage car insurance in New Jersey is $2,809 per year, or $234 per month. However, your location plays a major part in determining auto insurance rates. As such, we recommend that New Jersey drivers compare at least three quotes online from multiple insurance companies in their area.

Rank
City
Annual cost
Difference from average
1Denville$2,416-14%
2Mount Tabor$2,416-14%
3Madison$2,422-14%
4Brielle$2,432-13%
5Dover Beaches North$2,432-13%
Show All Rows

Rates are ordered from cheapest to most expensive.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EThe average cost of full coverage car insurance in New Jersey is $2,809 per year, or $234 per month. However, your location plays a major part in determining auto insurance rates. As such, we recommend that New Jersey drivers compare at least three \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"quotes online\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance-quotes\"\u003Equotes online\u003C\/a\u003E\u003C\/span\u003E from multiple insurance companies in their area.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECity\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EDifference from average\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDenville\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,416\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-14%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMount Tabor\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,416\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-14%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMadison\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,422\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-14%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EBrielle\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,432\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-13%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDover Beaches North\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,432\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-13%\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv role=\"button\" class=\"StyledExpander-sc-1gnrutu gvWduk\"\u003EShow All Rows\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003ERates are ordered from cheapest to most expensive.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"City\",\"Annual cost\",\"Difference from average\"],[\"1\",\"Denville\",\"$2,416\",\"-14%\"],[\"2\",\"Mount Tabor\",\"$2,416\",\"-14%\"],[\"3\",\"Madison\",\"$2,422\",\"-14%\"],[\"4\",\"Brielle\",\"$2,432\",\"-13%\"],[\"5\",\"Dover Beaches North\",\"$2,432\",\"-13%\"],[\"6\",\"Lavallette\",\"$2,432\",\"-13%\"],[\"7\",\"Manasquan\",\"$2,432\",\"-13%\"],[\"8\",\"Mantoloking\",\"$2,432\",\"-13%\"],[\"9\",\"Normandy Beach\",\"$2,432\",\"-13%\"],[\"10\",\"Bay Head\",\"$2,432\",\"-13%\"],[\"11\",\"Point Pleasant\",\"$2,432\",\"-13%\"],[\"12\",\"Point Pleasant Beach\",\"$2,432\",\"-13%\"],[\"13\",\"Sea Girt\",\"$2,432\",\"-13%\"],[\"14\",\"Liberty Corner\",\"$2,436\",\"-13%\"],[\"15\",\"Lyons\",\"$2,436\",\"-13%\"],[\"16\",\"Mountain Lakes\",\"$2,443\",\"-13%\"],[\"17\",\"Pottersville\",\"$2,445\",\"-13%\"],[\"18\",\"Annandale\",\"$2,445\",\"-13%\"],[\"19\",\"Asbury\",\"$2,445\",\"-13%\"],[\"20\",\"Baptistown\",\"$2,445\",\"-13%\"],[\"21\",\"Clinton\",\"$2,445\",\"-13%\"],[\"22\",\"Glen Gardner\",\"$2,445\",\"-13%\"],[\"23\",\"Hampton\",\"$2,445\",\"-13%\"],[\"24\",\"High Bridge\",\"$2,445\",\"-13%\"],[\"25\",\"Milford\",\"$2,445\",\"-13%\"],[\"26\",\"New Vernon\",\"$2,446\",\"-13%\"],[\"27\",\"Belmar\",\"$2,446\",\"-13%\"],[\"28\",\"Lake Como\",\"$2,446\",\"-13%\"],[\"29\",\"West Belmar\",\"$2,446\",\"-13%\"],[\"30\",\"Ringoes\",\"$2,447\",\"-13%\"],[\"31\",\"Rosemont\",\"$2,447\",\"-13%\"],[\"32\",\"Sergeantsville\",\"$2,447\",\"-13%\"],[\"33\",\"Stockton\",\"$2,447\",\"-13%\"],[\"34\",\"Frenchtown\",\"$2,447\",\"-13%\"],[\"35\",\"Pittstown\",\"$2,447\",\"-13%\"],[\"36\",\"Quakertown\",\"$2,447\",\"-13%\"],[\"37\",\"Basking Ridge\",\"$2,449\",\"-13%\"],[\"38\",\"Califon\",\"$2,450\",\"-13%\"],[\"39\",\"Changewater\",\"$2,450\",\"-13%\"],[\"40\",\"Glasser\",\"$2,450\",\"-13%\"],[\"41\",\"Gillette\",\"$2,454\",\"-13%\"],[\"42\",\"Green Village\",\"$2,454\",\"-13%\"],[\"43\",\"Millington\",\"$2,454\",\"-13%\"],[\"44\",\"Stirling\",\"$2,454\",\"-13%\"],[\"45\",\"Cedar Knolls\",\"$2,454\",\"-13%\"],[\"46\",\"Morris Plains\",\"$2,454\",\"-13%\"],[\"47\",\"Whippany\",\"$2,454\",\"-13%\"],[\"48\",\"Bloomsbury\",\"$2,454\",\"-13%\"],[\"49\",\"Chester\",\"$2,458\",\"-13%\"],[\"50\",\"Boonton\",\"$2,461\",\"-12%\"],[\"51\",\"Long Valley\",\"$2,461\",\"-12%\"],[\"52\",\"Belvidere\",\"$2,465\",\"-12%\"],[\"53\",\"Mountain Lake\",\"$2,465\",\"-12%\"],[\"54\",\"Blairstown\",\"$2,465\",\"-12%\"],[\"55\",\"Columbia\",\"$2,465\",\"-12%\"],[\"56\",\"Brass Castle\",\"$2,465\",\"-12%\"],[\"57\",\"Washington\",\"$2,465\",\"-12%\"],[\"58\",\"Hainesport\",\"$2,465\",\"-12%\"],[\"59\",\"Alpha\",\"$2,465\",\"-12%\"],[\"60\",\"Delaware Park\",\"$2,465\",\"-12%\"],[\"61\",\"Phillipsburg\",\"$2,465\",\"-12%\"],[\"62\",\"Upper Pohatcong\",\"$2,465\",\"-12%\"],[\"63\",\"Stewartsville\",\"$2,465\",\"-12%\"],[\"64\",\"Lake Hiawatha\",\"$2,467\",\"-12%\"],[\"65\",\"Parsippany\",\"$2,467\",\"-12%\"],[\"66\",\"Barnegat\",\"$2,468\",\"-12%\"],[\"67\",\"Ocean Acres\",\"$2,468\",\"-12%\"],[\"68\",\"Barnegat Light\",\"$2,468\",\"-12%\"],[\"69\",\"Beach Haven\",\"$2,468\",\"-12%\"],[\"70\",\"Harvey Cedars\",\"$2,468\",\"-12%\"],[\"71\",\"North Beach Haven\",\"$2,468\",\"-12%\"],[\"72\",\"Ship Bottom\",\"$2,468\",\"-12%\"],[\"73\",\"Surf City\",\"$2,468\",\"-12%\"],[\"74\",\"Beach Haven West\",\"$2,468\",\"-12%\"],[\"75\",\"Manahawkin\",\"$2,468\",\"-12%\"],[\"76\",\"Mystic Island\",\"$2,468\",\"-12%\"],[\"77\",\"Tuckerton\",\"$2,468\",\"-12%\"],[\"78\",\"West Creek\",\"$2,468\",\"-12%\"],[\"79\",\"Port Republic\",\"$2,468\",\"-12%\"],[\"80\",\"Avon-by-the-Sea\",\"$2,468\",\"-12%\"],[\"81\",\"Buttzville\",\"$2,470\",\"-12%\"],[\"82\",\"Layton\",\"$2,470\",\"-12%\"],[\"83\",\"Oxford\",\"$2,470\",\"-12%\"],[\"84\",\"Port Murray\",\"$2,470\",\"-12%\"],[\"85\",\"Bernardsville\",\"$2,472\",\"-12%\"],[\"86\",\"Andover\",\"$2,475\",\"-12%\"],[\"87\",\"Augusta\",\"$2,475\",\"-12%\"],[\"88\",\"Great Meadows\",\"$2,475\",\"-12%\"],[\"89\",\"Greendell\",\"$2,475\",\"-12%\"],[\"90\",\"Beattystown\",\"$2,475\",\"-12%\"],[\"91\",\"Hackettstown\",\"$2,475\",\"-12%\"],[\"92\",\"Panther Valley\",\"$2,475\",\"-12%\"],[\"93\",\"Lafayette\",\"$2,475\",\"-12%\"],[\"94\",\"Crandon Lakes\",\"$2,475\",\"-12%\"],[\"95\",\"Newton\",\"$2,475\",\"-12%\"],[\"96\",\"Swartswood\",\"$2,475\",\"-12%\"],[\"97\",\"Flanders\",\"$2,476\",\"-12%\"],[\"98\",\"Succasunna\",\"$2,476\",\"-12%\"],[\"99\",\"Riverdale\",\"$2,476\",\"-12%\"],[\"100\",\"Randolph\",\"$2,478\",\"-12%\"],[\"101\",\"Mount Freedom\",\"$2,479\",\"-12%\"],[\"102\",\"Schooleys Mountain\",\"$2,479\",\"-12%\"],[\"103\",\"Tranquility\",\"$2,481\",\"-12%\"],[\"104\",\"Vienna\",\"$2,481\",\"-12%\"],[\"105\",\"Lake Mohawk\",\"$2,482\",\"-12%\"],[\"106\",\"Spring Lake\",\"$2,483\",\"-12%\"],[\"107\",\"Spring Lake Heights\",\"$2,483\",\"-12%\"],[\"108\",\"Chatham\",\"$2,485\",\"-12%\"],[\"109\",\"Chesterfield\",\"$2,486\",\"-11%\"],[\"110\",\"Sparta\",\"$2,489\",\"-11%\"],[\"111\",\"Budd Lake\",\"$2,492\",\"-11%\"],[\"112\",\"Florham Park\",\"$2,496\",\"-11%\"],[\"113\",\"Johnsonburg\",\"$2,497\",\"-11%\"],[\"114\",\"Wallpack Center\",\"$2,497\",\"-11%\"],[\"115\",\"Kenvil\",\"$2,499\",\"-11%\"],[\"116\",\"Columbus\",\"$2,501\",\"-11%\"],[\"117\",\"Peapack\",\"$2,502\",\"-11%\"],[\"118\",\"Ledgewood\",\"$2,502\",\"-11%\"],[\"119\",\"Lambertville\",\"$2,503\",\"-11%\"],[\"120\",\"Flemington\",\"$2,503\",\"-11%\"],[\"121\",\"Lebanon\",\"$2,503\",\"-11%\"],[\"122\",\"Little York\",\"$2,503\",\"-11%\"],[\"123\",\"Hopatcong\",\"$2,504\",\"-11%\"],[\"124\",\"Lumberton\",\"$2,507\",\"-11%\"],[\"125\",\"Mount Holly\",\"$2,507\",\"-11%\"],[\"126\",\"Bordentown\",\"$2,507\",\"-11%\"],[\"127\",\"Fieldsboro\",\"$2,507\",\"-11%\"],[\"128\",\"Allenwood\",\"$2,507\",\"-11%\"],[\"129\",\"Landing\",\"$2,508\",\"-11%\"],[\"130\",\"Netcong\",\"$2,508\",\"-11%\"],[\"131\",\"Pluckemin\",\"$2,508\",\"-11%\"],[\"132\",\"Brookside\",\"$2,508\",\"-11%\"],[\"133\",\"Whitehouse\",\"$2,509\",\"-11%\"],[\"134\",\"Whitehouse Station\",\"$2,509\",\"-11%\"],[\"135\",\"Belle Mead\",\"$2,510\",\"-11%\"],[\"136\",\"Dover Beaches South\",\"$2,510\",\"-11%\"],[\"137\",\"Seaside Heights\",\"$2,510\",\"-11%\"],[\"138\",\"Seaside Park\",\"$2,510\",\"-11%\"],[\"139\",\"Three Bridges\",\"$2,510\",\"-11%\"],[\"140\",\"Moorestown\",\"$2,511\",\"-11%\"],[\"141\",\"Moorestown-Lenola\",\"$2,511\",\"-11%\"],[\"142\",\"Butler\",\"$2,512\",\"-11%\"],[\"143\",\"Kinnelon\",\"$2,512\",\"-11%\"],[\"144\",\"Morristown\",\"$2,512\",\"-11%\"],[\"145\",\"Convent Station\",\"$2,512\",\"-11%\"],[\"146\",\"Mendham\",\"$2,514\",\"-11%\"],[\"147\",\"Ironia\",\"$2,514\",\"-11%\"],[\"148\",\"Allentown\",\"$2,515\",\"-10%\"],[\"149\",\"Groveville\",\"$2,515\",\"-10%\"],[\"150\",\"Yardville\",\"$2,515\",\"-10%\"],[\"151\",\"Robbinsville\",\"$2,515\",\"-10%\"],[\"152\",\"Hibernia\",\"$2,517\",\"-10%\"],[\"153\",\"Franklin\",\"$2,518\",\"-10%\"],[\"154\",\"Hamburg\",\"$2,518\",\"-10%\"],[\"155\",\"Ogdensburg\",\"$2,518\",\"-10%\"],[\"156\",\"Stanhope\",\"$2,519\",\"-10%\"],[\"157\",\"New Egypt\",\"$2,519\",\"-10%\"],[\"158\",\"Broadway\",\"$2,520\",\"-10%\"],[\"159\",\"Middleville\",\"$2,522\",\"-10%\"],[\"160\",\"Pequannock\",\"$2,523\",\"-10%\"],[\"161\",\"Pompton Plains\",\"$2,523\",\"-10%\"],[\"162\",\"Oak Ridge\",\"$2,523\",\"-10%\"],[\"163\",\"Avalon\",\"$2,523\",\"-10%\"],[\"164\",\"Cape May\",\"$2,523\",\"-10%\"],[\"165\",\"Erma\",\"$2,523\",\"-10%\"],[\"166\",\"North Cape May\",\"$2,523\",\"-10%\"],[\"167\",\"West Cape May\",\"$2,523\",\"-10%\"],[\"168\",\"Cape May Point\",\"$2,523\",\"-10%\"],[\"169\",\"Ocean View\",\"$2,523\",\"-10%\"],[\"170\",\"Rio Grande\",\"$2,523\",\"-10%\"],[\"171\",\"Sea Isle City\",\"$2,523\",\"-10%\"],[\"172\",\"Stone Harbor\",\"$2,523\",\"-10%\"],[\"173\",\"North Wildwood\",\"$2,523\",\"-10%\"],[\"174\",\"West Wildwood\",\"$2,523\",\"-10%\"],[\"175\",\"Wildwood\",\"$2,523\",\"-10%\"],[\"176\",\"Wildwood Crest\",\"$2,523\",\"-10%\"],[\"177\",\"Hillsborough\",\"$2,524\",\"-10%\"],[\"178\",\"Millstone\",\"$2,524\",\"-10%\"],[\"179\",\"Neshanic Station\",\"$2,524\",\"-10%\"],[\"180\",\"Shrewsbury\",\"$2,526\",\"-10%\"],[\"181\",\"Fort Monmouth\",\"$2,526\",\"-10%\"],[\"182\",\"Fair Haven\",\"$2,526\",\"-10%\"],[\"183\",\"Atlantic Highlands\",\"$2,526\",\"-10%\"],[\"184\",\"Navesink\",\"$2,526\",\"-10%\"],[\"185\",\"Little Silver\",\"$2,526\",\"-10%\"],[\"186\",\"Oceanport\",\"$2,526\",\"-10%\"],[\"187\",\"Forked River\",\"$2,528\",\"-10%\"],[\"188\",\"Mine Hill\",\"$2,528\",\"-10%\"],[\"189\",\"Lake Hopatcong\",\"$2,529\",\"-10%\"],[\"190\",\"Mount Arlington\",\"$2,529\",\"-10%\"],[\"191\",\"Wharton\",\"$2,529\",\"-10%\"],[\"192\",\"Hamilton Square\",\"$2,529\",\"-10%\"],[\"193\",\"Raritan\",\"$2,530\",\"-10%\"],[\"194\",\"Red Bank\",\"$2,532\",\"-10%\"],[\"195\",\"Belford\",\"$2,532\",\"-10%\"],[\"196\",\"Eatontown\",\"$2,532\",\"-10%\"],[\"197\",\"Leonardo\",\"$2,532\",\"-10%\"],[\"198\",\"Lincroft\",\"$2,532\",\"-10%\"],[\"199\",\"Middletown\",\"$2,532\",\"-10%\"],[\"200\",\"North Middletown\",\"$2,532\",\"-10%\"],[\"201\",\"Port Monmouth\",\"$2,532\",\"-10%\"],[\"202\",\"West Long Branch\",\"$2,532\",\"-10%\"],[\"203\",\"Cookstown\",\"$2,533\",\"-10%\"],[\"204\",\"Blawenburg\",\"$2,534\",\"-10%\"],[\"205\",\"Oldwick\",\"$2,535\",\"-10%\"],[\"206\",\"Somerville\",\"$2,535\",\"-10%\"],[\"207\",\"Picatinny Arsenal\",\"$2,537\",\"-10%\"],[\"208\",\"Titusville\",\"$2,541\",\"-10%\"],[\"209\",\"Lakehurst\",\"$2,542\",\"-10%\"],[\"210\",\"Waretown\",\"$2,544\",\"-9%\"],[\"211\",\"Lanoka Harbor\",\"$2,545\",\"-9%\"],[\"212\",\"Stockholm\",\"$2,547\",\"-9%\"],[\"213\",\"Rockaway\",\"$2,548\",\"-9%\"],[\"214\",\"White Meadow Lake\",\"$2,548\",\"-9%\"],[\"215\",\"Branchville\",\"$2,550\",\"-9%\"],[\"216\",\"Newfoundland\",\"$2,550\",\"-9%\"],[\"217\",\"Wrightstown\",\"$2,551\",\"-9%\"],[\"218\",\"Kingston\",\"$2,555\",\"-9%\"],[\"219\",\"Princeton\",\"$2,555\",\"-9%\"],[\"220\",\"Ten Mile Run\",\"$2,555\",\"-9%\"],[\"221\",\"Far Hills\",\"$2,556\",\"-9%\"],[\"222\",\"Gladstone\",\"$2,556\",\"-9%\"],[\"223\",\"Princeton Junction\",\"$2,556\",\"-9%\"],[\"224\",\"Oakhurst\",\"$2,557\",\"-9%\"],[\"225\",\"Marmora\",\"$2,557\",\"-9%\"],[\"226\",\"Strathmere\",\"$2,557\",\"-9%\"],[\"227\",\"Jobstown\",\"$2,559\",\"-9%\"],[\"228\",\"Juliustown\",\"$2,559\",\"-9%\"],[\"229\",\"Bedminster\",\"$2,562\",\"-9%\"],[\"230\",\"Windsor\",\"$2,563\",\"-9%\"],[\"231\",\"Greenwich\",\"$2,566\",\"-9%\"],[\"232\",\"Medford\",\"$2,569\",\"-9%\"],[\"233\",\"Medford Lakes\",\"$2,569\",\"-9%\"],[\"234\",\"Bloomingdale\",\"$2,569\",\"-9%\"],[\"235\",\"McGuire AFB\",\"$2,573\",\"-8%\"],[\"236\",\"Stanton\",\"$2,574\",\"-8%\"],[\"237\",\"Bradley Gardens\",\"$2,575\",\"-8%\"],[\"238\",\"Bridgewater\",\"$2,575\",\"-8%\"],[\"239\",\"Finderne\",\"$2,575\",\"-8%\"],[\"240\",\"Green Knoll\",\"$2,575\",\"-8%\"],[\"241\",\"Manville\",\"$2,575\",\"-8%\"],[\"242\",\"Sussex\",\"$2,579\",\"-8%\"],[\"243\",\"Montague\",\"$2,579\",\"-8%\"],[\"244\",\"Beverly\",\"$2,580\",\"-8%\"],[\"245\",\"Riverside\",\"$2,580\",\"-8%\"],[\"246\",\"Riverton\",\"$2,580\",\"-8%\"],[\"247\",\"Ramsey\",\"$2,581\",\"-8%\"],[\"248\",\"Florence\",\"$2,581\",\"-8%\"],[\"249\",\"Roebling\",\"$2,581\",\"-8%\"],[\"250\",\"New Lisbon\",\"$2,583\",\"-8%\"],[\"251\",\"Rancocas\",\"$2,585\",\"-8%\"],[\"252\",\"Dayton\",\"$2,585\",\"-8%\"],[\"253\",\"Cape May Court House\",\"$2,586\",\"-8%\"],[\"254\",\"Whitesboro\",\"$2,586\",\"-8%\"],[\"255\",\"Tuckahoe\",\"$2,586\",\"-8%\"],[\"256\",\"Villas\",\"$2,586\",\"-8%\"],[\"257\",\"Island Heights\",\"$2,586\",\"-8%\"],[\"258\",\"Dover\",\"$2,588\",\"-8%\"],[\"259\",\"Victory Gardens\",\"$2,588\",\"-8%\"],[\"260\",\"Burlington\",\"$2,589\",\"-8%\"],[\"261\",\"Bayville\",\"$2,589\",\"-8%\"],[\"262\",\"Beachwood\",\"$2,589\",\"-8%\"],[\"263\",\"Ocean 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Park\",\"$3,190\",\"14%\"],[\"640\",\"Smithville\",\"$3,192\",\"14%\"],[\"641\",\"Absecon\",\"$3,195\",\"14%\"],[\"642\",\"Pleasantville\",\"$3,198\",\"14%\"],[\"643\",\"Fair Lawn\",\"$3,220\",\"15%\"],[\"644\",\"Roselle Park\",\"$3,222\",\"15%\"],[\"645\",\"Secaucus\",\"$3,231\",\"15%\"],[\"646\",\"North Brunswick\",\"$3,238\",\"15%\"],[\"647\",\"Nutley\",\"$3,253\",\"16%\"],[\"648\",\"Haledon\",\"$3,254\",\"16%\"],[\"649\",\"North Haledon\",\"$3,254\",\"16%\"],[\"650\",\"Prospect Park\",\"$3,254\",\"16%\"],[\"651\",\"Lyndhurst\",\"$3,258\",\"16%\"],[\"652\",\"Wood Ridge\",\"$3,261\",\"16%\"],[\"653\",\"Wood-Ridge\",\"$3,261\",\"16%\"],[\"654\",\"New Brunswick\",\"$3,262\",\"16%\"],[\"655\",\"New Milford\",\"$3,273\",\"17%\"],[\"656\",\"Rutherford\",\"$3,286\",\"17%\"],[\"657\",\"Hasbrouck Heights\",\"$3,294\",\"17%\"],[\"658\",\"North Arlington\",\"$3,313\",\"18%\"],[\"659\",\"East Rutherford\",\"$3,316\",\"18%\"],[\"660\",\"Rahway\",\"$3,356\",\"19%\"],[\"661\",\"West Orange\",\"$3,360\",\"20%\"],[\"662\",\"Fairview\",\"$3,362\",\"20%\"],[\"663\",\"Carteret\",\"$3,407\",\"21%\"],[\"664\",\"Teaneck\",\"$3,407\",\"21%\"],[\"665\",\"South Orange\",\"$3,420\",\"22%\"],[\"666\",\"Bayonne\",\"$3,421\",\"22%\"],[\"667\",\"Carlstadt\",\"$3,423\",\"22%\"],[\"668\",\"Bogota\",\"$3,434\",\"22%\"],[\"669\",\"Bergenfield\",\"$3,448\",\"23%\"],[\"670\",\"Maplewood\",\"$3,449\",\"23%\"],[\"671\",\"Bloomfield\",\"$3,472\",\"24%\"],[\"672\",\"Brookdale\",\"$3,472\",\"24%\"],[\"673\",\"Wallington\",\"$3,531\",\"26%\"],[\"674\",\"Leonia\",\"$3,577\",\"27%\"],[\"675\",\"South Hackensack\",\"$3,579\",\"27%\"],[\"676\",\"Moonachie\",\"$3,580\",\"27%\"],[\"677\",\"Little Ferry\",\"$3,600\",\"28%\"],[\"678\",\"Ridgefield Park\",\"$3,600\",\"28%\"],[\"679\",\"North Plainfield\",\"$3,625\",\"29%\"],[\"680\",\"Plainfield\",\"$3,625\",\"29%\"],[\"681\",\"Lodi\",\"$3,642\",\"30%\"],[\"682\",\"Elmwood 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Auto insurance rate changes in New Jersey

In New Jersey, auto insurance rates have decreased by an average of 1.6% across the largest insurers for 2020. The primary reason for this decrease is due to the coronavirus pandemic, which reduced driving overall in the United States. This led to a record-low number of auto insurance claims, allowing auto companies to offer cheaper policies. Below you can see that State Farm reduced its premium by the most during the past year, cutting policy costs by 16.8%.

Insurer
Premiums written (millions) 2019
Rate Change 2019
Rate Change 2020
Geico$1,853.2-0.7%2.0%
New Jersey Manufacturers$1,070.72.9%0.0%
Progressive$1,005.5-0.5%-5.0%
Allstate$857.52.8%-0.3%
Palisades$639.93.1%0.0%
Show All Rows


Recap of the cheapest auto insurance in New Jersey

  • Minimum coverage: State Farm
  • Full coverage: Geico
  • After an at-fault accident: NJM
  • After a speeding ticket: Geico
  • After a DUI: NJM
  • Married couples: Geico
  • Young drivers: Geico
  • Young drivers with one accident: Geico
  • Young drivers with speeding ticket: Geico

What is the average cost of car insurance in New Jersey?

The average cost of auto insurance in New Jersey is $812 per year, or $68 per month, for a minimum coverage policy. The average cost for a full coverage policy is $234 per month.

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 $1,138 per year for a minimum coverage policy.

How much car insurance do I need in New Jersey?

For a Basic car insurance policy in New Jersey, all drivers must carry property damage liability ($5,000 per accident) and personal injury protection ($15,000 per person or accident). However, if you opt for a Basic plan, you limit your right to sue the other party after an accident. If you opt for the Standard policy, you will not have a limited right to sue but will be required to carry bodily injury liability coverage.

Methodology

We collected thousands of rates from ZIP codes across New Jersey for the largest 10 insurers. 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 liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage$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 quoted a policy with the minimum required limits in New Jersey, above.

For other rates analyses (age, accident history and marriage status) the base policy listed above was alternated 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.

ValuePenguin commissioned a survey and asked current policyholders across major car insurance companies about their satisfaction with claims and the customer service of their insurer. In our table, the Claim Satisfaction Rating represents the percentage of respondents who were extremely satisfied with their most recent claim experience. The Customer Service Rating represents the percentage of respondents who rated the customer service of their insurance company as "excellent."