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.
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.
Find Cheap Auto Insurance Quotes in New Jersey
Rank | Insurer | Annual cost | Monthly cost |
|---|---|---|---|
| 1 | State Farm | $367 | $31 |
| 2 | Geico | $561 | $47 |
| 3 | Progressive | $739 | $62 |
| 4 | Travelers | $790 | $66 |
| 5 | NJM | $918 | $77 |
| 6 | Allstate | $1,133 | $94 |
| 7 | Palisades (Plymouth Rock) | $1,178 | $98 |
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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 |
|---|---|---|---|
| 1 | Geico | $1,349 | $112 |
| 2 | State Farm | $1,640 | $137 |
| 3 | NJM | $1,898 | $158 |
| 4 | Progressive | $2,141 | $178 |
| 5 | Palisades | $2,970 | $248 |
| 6 | Travelers | $4,479 | $373 |
| 7 | Allstate | $5,185 | $432 |
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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 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
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 |
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Cheapest car insurance for drivers with poor credit: Geico
The cost of car insurance in New Jersey can increase by a significant amount for drivers with poor credit. On average, Geico offers drivers with poor credit the cheapest car insurance. Consumers may find full coverage for $2,182 per year — 34% cheaper than average.
Insurer | Annual cost | Monthly cost |
|---|---|---|
| Geico | $2,182 | $182 |
| NJM | $2,608 | $217 |
| Progressive | $2,695 | $225 |
| Average in New Jersey | $3,289 | $274 |
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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 |
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New Jersey drivers with an accident on their driving record may still be able to find cheap full coverage car insurance quotes at \u003Cstrong\u003ENJM\u003C\/strong\u003E, where rates were 58% cheaper than average. Notably, \u003Cstrong\u003ENJM\u003C\/strong\u003E was the only insurer not to raise its premiums after one accident.\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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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$1,898\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$158\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$1,906\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$159\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$2,685\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$224\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$4,539\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$378\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003EQuotes are for an at-fault accident where the injured driver makes a liability claim.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"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\"]],\"footnote\":\"Quotes are for an at-fault accident where the injured driver makes a liability claim.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"speeding\"\u003ECheapest for people with a speeding ticket: Geico\u003C\/h3\u003E\n\n\u003Cp\u003EReceiving 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 \u003Cstrong\u003EGeico\u003C\/strong\u003E, which offers coverage for $1,349 per year.\u003C\/p\u003E\n\n\u003Cp\u003EWhile \u003Cstrong\u003ENJM\u003C\/strong\u003E 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.\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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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$1,349\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$112\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$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\"\u003EAverage in New Jersey\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,186\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$265\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\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"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\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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\n \u003Cdiv 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\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest car insurance for drivers with poor credit: Geico\u003C\/h3\u003E\n\n\u003Cp\u003EThe cost of car insurance in New Jersey can increase by a significant amount for drivers with poor credit. On average, \u003Cstrong\u003EGeico\u003C\/strong\u003E offers drivers with poor credit the cheapest car insurance. Consumers may find full coverage for $2,182 per year \u2014 34% cheaper than average.\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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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$2,182\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$182\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$2,608\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$217\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$2,695\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$225\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$3,289\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$274\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\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"Geico\",\"$2,182\",\"$182\"],[\"NJM\",\"$2,608\",\"$217\"],[\"Progressive\",\"$2,695\",\"$225\"],[\"Average in New Jersey\",\"$3,289\",\"$274\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch2 id=\"marriage\"\u003ECheapest car insurance for married drivers: Geico\u003C\/h2\u003E\n\n\u003Cp\u003EIt'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. \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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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\n \u003Cdiv 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\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\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 |
|---|---|---|---|
| 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 |
Rates are for an 18-year-old driver, and are ordered by full coverage.
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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
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 |
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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 |
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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.
Rank | Insurer | % of respondents overall extremely satisfied with most recent claim | % of respondents who rated customer service as "excellent" | |
|---|---|---|---|---|
| 1 | State Farm | 73% | 46% | |
| 2 | Allstate | 72% | 47% | |
| 3 | Progressive | 74% | 34% | |
| 4 | Geico | 64% | 42% | |
| 5 | Travelers | 63% | 33% | |
| N/A | NJM | — | — | |
| N/A | Palisades | — | — |
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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 |
|---|---|---|---|
| Palisades | 0.06 | — | 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++ |
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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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E% of respondents overall extremely satisfied with most recent claim\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E% of respondents who rated customer service as \"excellent\"\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003E\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\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\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\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\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\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\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\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"Insurer\",\"% of respondents overall extremely satisfied with most recent claim\",\"% of respondents who rated customer service as \\\"excellent\\\"\",\"\"],[\"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\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2019 NAIC complaint index\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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 width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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\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\"\u003E0.40\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E856\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\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.76\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E871\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\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv 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\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\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 |
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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 |
|---|---|---|---|
| 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% |
Show All Rows
Rates are ordered from cheapest to most expensive.
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Point","$3,085","10%"],["612","Richland","$3,095","10%"],["613","Little Falls","$3,108","11%"],["614","Singac","$3,108","11%"],["615","Woodland Park","$3,108","11%"],["616","Totowa","$3,108","11%"],["617","Hawthorne","$3,109","11%"],["618","Egg Harbor Township","$3,119","11%"],["619","Alpine","$3,122","11%"],["620","Merchantville","$3,131","11%"],["621","Pennsauken","$3,131","11%"],["622","Demarest","$3,131","11%"],["623","Watchung","$3,133","12%"],["624","Estell Manor","$3,134","12%"],["625","Saddle Brook","$3,136","12%"],["626","Northfield","$3,139","12%"],["627","Margate City","$3,139","12%"],["628","Longport","$3,139","12%"],["629","Ventnor City","$3,139","12%"],["630","Tenafly","$3,140","12%"],["631","Newtonville","$3,141","12%"],["632","Oceanville","$3,144","12%"],["633","Elwood","$3,148","12%"],["634","Hammonton","$3,148","12%"],["635","Brigantine","$3,181","13%"],["636","Egg Harbor City","$3,186","13%"],["637","Mays Landing","$3,186","13%"],["638","Maywood","$3,190","14%"],["639","Rochelle 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 Park","$3,645","30%"],["683","Hackensack","$3,652","30%"],["684","Union","$3,656","30%"],["685","Vauxhall","$3,656","30%"],["686","Hillside","$3,656","30%"],["687","East Newark","$3,677","31%"],["688","Harrison","$3,677","31%"],["689","Kearny","$3,677","31%"],["690","Englewood","$3,678","31%"],["691","Belleville","$3,679","31%"],["692","Silver Lake","$3,679","31%"],["693","Clifton","$3,685","31%"],["694","Garfield","$3,720","32%"],["695","Hoboken","$3,731","33%"],["696","Weehawken","$3,731","33%"],["697","Linden","$3,731","33%"],["698","Roselle","$3,731","33%"],["699","Jersey City","$3,752","34%"],["700","Englewood Cliffs","$3,753","34%"],["701","Perth Amboy","$3,785","35%"],["702","Fort Lee","$3,871","38%"],["703","Camden","$3,882","38%"],["704","Edgewater","$3,884","38%"],["705","Cliffside Park","$3,905","39%"],["706","Palisades Park","$3,905","39%"],["707","Ridgefield","$3,905","39%"],["708","Atlantic City","$3,913","39%"],["709","Union City","$4,020","43%"],["710","Guttenberg","$4,020","43%"],["711","West New York","$4,020","43%"],["712","Elizabeth","$4,176","49%"],["713","Elizabethport","$4,176","49%"],["714","North Bergen","$4,192","49%"],["715","East Orange","$4,217","50%"],["716","Orange","$4,217","50%"],["717","Paterson","$4,232","51%"],["718","Passaic","$4,293","53%"],["719","Newark","$4,376","56%"],["720","Irvington","$4,376","56%"]],"footnote":"Rates are ordered from cheapest to most expensive.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
{"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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECity\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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\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\"\u003ELavallette\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\"\u003E7\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EManasquan\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\"\u003E8\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMantoloking\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\"\u003E9\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENormandy Beach\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\"\u003E10\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EBay Head\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\"\u003E11\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPoint Pleasant\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\"\u003E12\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPoint Pleasant Beach\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 ckEygv\"\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\n \u003Cdiv 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 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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 | $1,070.7 | 2.9% | 0.0% |
| Progressive | $1,005.5 | -0.5% | -5.0% |
| Allstate | $857.5 | 2.8% | -0.3% |
| Palisades | $639.9 | 3.1% | 0.0% |
| State Farm | $598.7 | 0.1% | -16.8% |
| Liberty Mutual | $547.5 | 6.2% | 0.0% |
| USAA | $322.3 | 0.0% | 1.0% |
| Travelers | $295.8 | 2.4% | 0.0% |
| Farmers | $193.3 | 9.8% | 0.0% |
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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
- Poor credit history: Geico
- Very good credit history: Geico
- Married couples: Geico
- Young drivers: Geico
- Young drivers with one accident: Geico
- Young drivers with speeding ticket: Geico
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
- Average credit
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 |
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For our minimum-coverage policy, we quoted a policy with the minimum required limits in New Jersey, above.
For other rates analyses (age, credit score, 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.