Who Has the Cheapest Car Insurance Quotes in New Jersey?

Find Cheap Auto Insurance Quotes in New Jersey

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The average cost of a New Jersey minimum-coverage car insurance policy is $1,182 per year, or about $99 per month. But prices will differ greatly by company, and we've analyzed which insurers are the most affordable in different situations.


Cheapest for minimum liability

State Farm logo
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Cheapest for full coverage

GEICO logo
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Cheapest for drivers with an accident

NJM logo
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Best for customer service

NJM logo
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Read on for our analysis of these insurers or enter your ZIP code above to compare rates.

Cheapest car insurance companies in New Jersey

The cheapest minimum-coverage car insurance quotes in New Jersey are offered by:

  • State Farm
  • GEICO
  • New Jersey Manufacturers (NJM)
This graph shows the three cheapest auto insurance companies in New Jersey compared to the state average.
This graph shows the three cheapest auto insurance companies in New Jersey compared to the state average.

Find Cheap Auto Insurance Quotes in New Jersey

Currently insured?
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These three auto insurers have average car insurance rates of $714 per year, or about $60 per month—which is 40% cheaper than the New Jersey average.

The auto insurance companies with the most expensive quotes in New Jersey were:

  • Travelers
  • Palisades Group
  • Allstate

In New Jersey, these companies had an average annual quote of $1,685, or 43% more than the state average.

RankInsurerCar insurance quote
1State Farm$596
2GEICO$629
3New Jersey Manufacturers$918
4Progressive$1,075
5Allstate$1,131
6Palisades Group$1,344
7Travelers$2,580

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.

Collision and comprehensive insurance protects your car from damage as a result of a collision, theft, vandalism or natural disaster — regardless of who's at fault.

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.

The average difference in cost between full- and minimum-coverage car insurance in New Jersey is $1,831 per year, or $153 per month.

How much is full-coverage auto insurance in New Jersey?

The cheapest full-coverage auto insurance companies in New Jersey were:

  • GEICO: $1,456
  • NJM: $1,918
  • State Farm: $2,267

These three carriers were the most affordable in New Jersey for full coverage, offering quotes of $1,880 on average, or 38% less than the state average of $3,013.

The insurance companies with the most expensive auto quotes for full coverage in New Jersey are:

  • Allstate: $5,263
  • Travelers: $4,583
  • Palisades Group: $3,272

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

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

New Jersey drivers with an accident on their driving record may be able to find cheap full-coverage car insurance quotes at NJM, GEICO and Palisades Group.

These three insurers offer average annual rates of $2,521 per year, 44% cheaper than the New Jersey average of $4,542, for full-coverage policies with a prior accident history.

RankInsurerQuote before accidentQuote after accidentDifference
1New Jersey Manufacturers$1,918$1,918$0
2GEICO$1,456$2,063$607
3Palisades Group$3,272$3,583$311
4State Farm$2,267$3,614$1,347
5Progressive$2,331$3,756$1,425
6Travelers$4,583$6,446$1,863
7Allstate$5,263$10,413$5,150
Quotes are for an at-fault accident causing $2,000 worth of property damage.

NJM distinguished itself by not charging higher rates for New Jersey drivers with previous accidents.

Having just one accident on your driving record can increase your auto insurance quotes substantially.

The annual difference in car insurance quotes in New Jersey for a full-coverage policy with no accident history versus a plan with one accident was $1,529.

Accident historyAnnual rate
No accidents$3,013
One accident$4,542

Best car insurance companies in New Jersey

Customer service and reviews are an important part of evaluating the quality of a car insurance policy. The best auto insurance companies in New Jersey from our study are:

  • NJM
  • Travelers
  • GEICO

The top-rated car insurance companies in New Jersey, based on a measure of customer satisfaction known as the Complaint Index, were not always the cheapest in our analysis. Customers filed fewer complaints with these insurers than others relative to their market share.

RankInsurerComplaint Index
1Amica0
1Chubb0
1Hanover0
1Encompass0
1Ameriprise (IDS)0
1Hartford0
1Founders0
1American National (Farm Family)0
1California Casualty0
10NJM0.370
11Travelers0.294
12GEICO0.513
13Plymouth Rock0.662
14Selective0.872
15State Farm0.984
16Allstate1.066
17Esurance1.127
18Farmers1.256
19Progressive1.438
20CSAA1.595
21Nationwide1.619
22USAA1.625
23Metropolitan1.921
24AmTrust1.935
25CURE2.006
26Liberty Mutual2.328
27Mercury4.219
28Foremost4.590
29MAPFRE (American Commerce)11.834
30Personal Service16.839

The list above includes the top companies in the Garden State ranked by their Complaint Index, which measures how many complaints a company gets compared to the average insurer in the state. Complaint data was drawn from the New Jersey Division of Insurance.

An index of 1.0 is average, while index numbers greater than 1.0 indicate a greater number of complaints. An index less than 1.0 implies fewer than the average number of complaints.

New Jersey auto insurance coverage requirements

Auto insurance is required in New Jersey. Below, we break down the minimum requirements for each policy type.

Of note, 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 coverageMinimum 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 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 in nature (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.

Cheap car insurance in New Jersey by city

Your best car insurance quotes in New Jersey differ depending on where you live. Typically, however, the cheapest auto insurers in New Jersey cities for a full-coverage policy are:

  • GEICO
  • NJM
  • State Farm

Your actual rates will differ based on factors such as past driving history, your vehicle, discount eligibility and the amount of liability coverage you need.

Here is a list of cheap car insurance companies in New Jersey's largest cities with their annual quotes for a full-coverage policy.

CityInsurerCar insurance quote
Atlantic CityGEICO$1,907
State Farm$2,506
New Jersey Manufacturers$2,529
BayonneGEICO$1,588
New Jersey Manufacturers$2,182
State Farm$2,842
BergenfieldGEICO$1,470
New Jersey Manufacturers$1,875
State Farm$2,589
BridgetonGEICO$1,378
New Jersey Manufacturers$2,027
State Farm$2,115
CamdenGEICO$1,890
New Jersey Manufacturers$2,339
State Farm$3,094
CarteretGEICO$1,557
New Jersey Manufacturers$2,151
Progressive$2,999
Cliffside ParkGEICO$1,974
New Jersey Manufacturers$2,067
Progressive$3,059
CliftonGEICO$1,857
New Jersey Manufacturers$2,181
Progressive$2,946
DoverGEICO$1,339
New Jersey Manufacturers$1,671
State Farm$2,050
DumontGEICO$1,470
New Jersey Manufacturers$1,875
Progressive$2,276
East OrangeGEICO$2,151
New Jersey Manufacturers$2,500
State Farm$3,494
ElizabethGEICO$1,977
New Jersey Manufacturers$2,537
State Farm$3,486
Elmwood ParkGEICO$1,857
New Jersey Manufacturers$2,181
Progressive$2,946
EnglewoodGEICO$1,708
New Jersey Manufacturers$2,067
State Farm$3,052
Fair LawnGEICO$1,708
New Jersey Manufacturers$2,127
Progressive$2,623
Fort LeeGEICO$1,761
New Jersey Manufacturers$2,067
Progressive$3,059
GarfieldGEICO$1,857
New Jersey Manufacturers$2,352
Progressive$2,946
GlassboroGEICO$1,497
New Jersey Manufacturers$1,886
State Farm$2,115
HackensackGEICO$1,671
New Jersey Manufacturers$2,127
Progressive$2,946
HawthorneGEICO$1,857
New Jersey Manufacturers$2,142
Progressive$2,623
HobokenGEICO$1,605
New Jersey Manufacturers$2,182
State Farm$2,902
Jersey CityGEICO$1,605
New Jersey Manufacturers$2,182
Progressive$3,041
KearnyGEICO$1,875
New Jersey Manufacturers$2,067
Progressive$3,088
LindenGEICO$1,945
New Jersey Manufacturers$2,151
Progressive$2,999
LodiGEICO$1,857
New Jersey Manufacturers$2,127
State Farm$2,889
Long BranchGEICO$1,338
State Farm$1,945
New Jersey Manufacturers$1,994
MadisonGEICO$1,219
New Jersey Manufacturers$1,719
State Farm$1,856
New BrunswickGEICO$1,522
New Jersey Manufacturers$2,143
Progressive$2,361
New MilfordGEICO$1,708
New Jersey Manufacturers$1,875
Progressive$2,276
NewarkGEICO$2,197
New Jersey Manufacturers$2,761
State Farm$3,508
North PlainfieldGEICO$1,728
New Jersey Manufacturers$2,261
State Farm$2,773
Palisades ParkGEICO$1,974
New Jersey Manufacturers$2,067
Progressive$3,059
ParamusGEICO$1,708
New Jersey Manufacturers$1,875
Progressive$2,276
PassaicGEICO$2,078
New Jersey Manufacturers$2,724
State Farm$3,266
PatersonGEICO$2,051
New Jersey Manufacturers$2,687
State Farm$3,369
Perth AmboyGEICO$1,715
New Jersey Manufacturers$2,566
State Farm$3,081
PleasantvilleGEICO$1,577
New Jersey Manufacturers$2,130
Progressive$2,437
PrincetonGEICO$1,312
New Jersey Manufacturers$1,837
State Farm$1,917
RahwayGEICO$1,945
New Jersey Manufacturers$2,151
Progressive$2,999
RidgewoodGEICO$1,464
New Jersey Manufacturers$1,711
Progressive$2,056
RoselleGEICO$1,945
New Jersey Manufacturers$2,151
Progressive$2,999
RutherfordGEICO$1,520
New Jersey Manufacturers$2,067
Progressive$2,467
SayrevilleGEICO$1,557
New Jersey Manufacturers$1,975
State Farm$2,322
SecaucusGEICO$1,520
New Jersey Manufacturers$2,067
Progressive$2,467
South PlainfieldGEICO$1,522
New Jersey Manufacturers$1,923
Progressive$2,361
South RiverGEICO$1,457
New Jersey Manufacturers$1,750
State Farm$2,204
TrentonGEICO$1,704
New Jersey Manufacturers$2,177
Progressive$2,770
Union CityGEICO$1,882
New Jersey Manufacturers$2,512
Progressive$3,294
VinelandGEICO$1,378
New Jersey Manufacturers$2,083
State Farm$2,198
WestfieldGEICO$1,416
New Jersey Manufacturers$1,845
State Farm$2,088

When looking for the best rate, we recommend New Jersey drivers compare at least three quotes online from multiple insurance companies. To help you find good auto rates in New Jersey, we identified the cheapest insurers for a full-coverage policy in:

Cheap car insurance in Newark, New Jersey

  • Average annual auto insurance quote in Newark = $4,614
  • 53% more expensive than the New Jersey average

A year's worth of full-coverage car insurance in Newark was the most expensive in the state of New Jersey. For cheap auto insurance quotes in Newark, we recommend GEICO, NJM and State Farm, which quoted $2,822 per year on average, or 39% less than the Newark mean.

Cheap car insurance in Jersey City, New Jersey

  • Average annual auto insurance quote in Jersey City = $3,942
  • 31% more costly than the New Jersey average

Jersey City's rates were substantially more expensive than the New Jersey average. However, drivers should still compare quotes, as a premium with the most expensive insurer was five times the cost of a premium with the cheapest insurer.

Cheap car insurance in Paterson, New Jersey

  • Average annual auto insurance quote in Paterson = $4,457
  • 48% more costly than the New Jersey average

Car insurance costs in Paterson were significantly more expensive than the New Jersey state average, though motorists can still benefit from comparing rates from several companies. The cheapest insurer in our analysis, GEICO ($2,051), cost $5,178 less per year than the most expensive carrier, Allstate ($7,229).

Cheap car insurance in Elizabeth, New Jersey

  • Average annual auto insurance quote in Elizabeth = $4,412
  • 46% more expensive than the New Jersey average

Choosing a policy from the cheapest auto insurer in Elizabeth, GEICO ($1,977), could save you more than $2,435 annually relative to the city average.

Cheap car insurance in Clifton, New Jersey

  • Average annual auto insurance quote in Clifton = $3,886
  • 29% more expensive than New Jersey average

We still recommend that drivers compare quotes, as the three cheapest insurers in Clifton offered a 40% discount to the city average. Further, an annual policy with the most expensive insurer in our sample cost $5,166 more than a policy with the cheapest insurer.

Average cost of car insurance in New Jersey

The average cost of full-coverage car insurance in New Jersey is $3,013 per year, or $251 per month.

The cheapest cities in New Jersey for full coverage are:

  • Madison
  • Princeton
  • Dover

The most expensive New Jersey cities for full coverage are:

  • Newark
  • East Orange
  • Paterson

Where you live is a major factor in determining auto insurance rates. New Jersey cities are ranked from those with the cheapest auto insurance rates to the most expensive per year.

RankCityAuto insurance quote
1Madison$2,524
2Princeton$2,660
3Dover$2,723
4Westfield$2,850
5Ridgewood$2,867
6Glassboro$2,905
7Bridgeton$2,956
8South River$2,969
9Dumont$3,070
10Vineland$3,072
11Sayreville$3,075
12South Plainfield$3,103
13Paramus$3,152
14Hawthorne$3,303
15Pleasantville$3,381
16Secaucus$3,384
17New Milford$3,395
18Fair Lawn$3,402
19New Brunswick$3,404
20Trenton$3,441
21Rutherford$3,443
22Rahway$3,560
23Bayonne$3,581
24Bergenfield$3,587
25Carteret$3,616
26Long Branch$3,801
27North Plainfield$3,801
28Hackensack$3,827
29Lodi$3,830
30Elmwood Park$3,834
31Englewood$3,854
32Clifton$3,886
33Kearny$3,899
34Garfield$3,925
35Hoboken$3,927
36Linden$3,928
37Roselle$3,928
38Jersey City$3,942
39Perth Amboy$3,991
40Fort Lee$4,066
41Camden$4,105
42Cliffside Park$4,110
43Palisades Park$4,110
44Atlantic City$4,126
45Passaic$4,158
46Union City$4,264
47Elizabeth$4,412
48Paterson$4,457
49East Orange$4,471
50Newark$4,614

Methodology

We collected auto insurance quotes for New Jersey cities from seven auto insurance companies.

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

Unless otherwise noted, our sample driver held full-coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
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 a minimum-coverage policy, our sample driver had coverage equivalent to the minimum state legal requirements in New Jersey.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.