Plymouth Rock Insurance offers the cheapest liability-only car insurance in New Jersey at $66 monthly or $794 annually, providing the most affordable option in one of the nation's most expensive insurance markets. New Jersey's high population density and strict regulations contribute to elevated baseline costs across all providers.
Selective Insurance ($70 monthly) and NJM Insurance ($87 monthly) offer competitive alternatives, while Amica ($86 monthly) and Farmers ($103 monthly) round out the top five. Even the cheapest options in New Jersey cost significantly more than most other states as of October 2025.