Best Car Insurance in New Jersey

MoneyGeek’s 2025 analysis found that Plymouth Rock and Amica stand out among New Jersey auto insurers for different reasons. Plymouth Rock ranks first overall for affordability, offering the state’s lowest average monthly premiums and unique programs like SmartSense. 

Amica, by contrast, earns the highest marks for customer satisfaction, with policyholders praising its claims handling and dividend policy options. Drivers focused on minimizing costs may prefer Plymouth Rock, while those who value premium service and long-term benefits may find Amica the stronger choice.

Your insurance needs may differ from our general recommendations. Compare rates from our top five providers to find coverage that matches your profile.

*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.

Finding the right car insurance in New Jersey can be challenging. We've created this guide to help you choose coverage that fits your needs and budget.

The best auto insurance depends on location, coverage type, driver profile and driving history. Plymouth Rock is the top-rated company overall, while Amica and Selective Insurance are also good options for drivers in New Jersey.

Finding the right car insurance depends on your personal situation, so we'll help you choose the best coverage by answering common insurance questions.

We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in New Jersey. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.

Here's how we score each company:

• Affordability (60% of score): We look at quotes for different driver profiles and compare rates within New Jersey. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
• Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on New Jersey-specific feedback to get an accurate score.
• Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.