Plymouth Rock ranks as the best car insurance company in New Jersey, earning a MoneyGeek score of 4.75 out of 5 for its excellent affordability, strong customer service and comprehensive coverage options. Since insurance needs vary by individual circumstances, we also recommend considering Amica, Selective Insurance, Travelers and NJM.
Best Car Insurance in New Jersey
Updated: August 24, 2025
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Key Takeaways
The best overall car insurance provider in New Jersey is Plymouth Rock, ranking first for its excellent affordability and comprehensive coverage options with a MoneyGeek score of 4.75 out of 5.
Travelers offers the best coverage for drivers with bad credit and low-income residents in New Jersey, while Amica provides the highest customer service ratings in the state.
To get the best car insurance in New Jersey, decide on coverage beforehand, research costs and providers, and compare plenty of quotes.
Best Car Insurance Companies in New Jersey
| Plymouth Rock | 4.75 | $94 | 3 | 1 |
| Amica | 4.56 | $119 | 1 | 6 |
| Selective Insurance | 4.47 | $98 | 10 | 2 |
| Travelers | 4.32 | $131 | 2 | 5 |
| NJM | 4.32 | $112 | 4 | 7 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in New Jersey by Driver Profile
Plymouth Rock leads in five out of ten categories for New Jersey drivers, including adult drivers and those with driving violations. Travelers stands out for bad credit and low-income drivers, while Amica excels for young and senior drivers.
| Young Drivers | Amica | 4 | 1 | 6 |
| Adult Drivers | Plymouth Rock | 1 | 3 | 1 |
| Senior Drivers | Amica | 2 | 1 | 6 |
| Drivers With An Accident | Plymouth Rock | 2 | 3 | 1 |
| Drivers With A DUI | Plymouth Rock | 1 | 3 | 1 |
| Drivers With A Speeding Ticket | Plymouth Rock | 2 | 3 | 1 |
| Drivers With Bad Credit | Travelers | 2 | 2 | 5 |
| Drivers With Low Income | Travelers | 2 | 2 | 5 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 5 |
| Drivers With Old Cars | Plymouth Rock | 3 | 3 | 1 |
*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.
Personalized Best New Jersey Car Insurance Recommendations
Your insurance needs may differ from our general recommendations. Compare rates from our top five providers to find coverage that matches your profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| NJM | 4.51 | $144 | 4 | 7 |
| Plymouth Rock | 4.40 | $268 | 3 | 1 |
| Amica | 4.34 | $318 | 1 | 6 |
| Travelers | 4.32 | $288 | 2 | 5 |
| GEICO | 4.18 | $207 | 8 | 8 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best New Jersey Car Insurance Reviews
See detailed service comparisons for our top-rated insurance providers below.
Plymouth Rock Insurance
Best Cheap Overall in New Jersey
MoneyGeek Rating
4.7/ of 5
5/5Affordability
4.2/5Customer Experience
5/5Coverage Options
Average Monthly Full Coverage Cost
$121For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$66For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
N/AAggregated across all captive and independent agentsMost Unique Coverage Add-on
SmartSense Program
Amica
Best Customer Experience in New Jersey
MoneyGeek Rating
4.6/ of 5
4.5/5Affordability
5/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Cost
$152For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$86For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
N/AAggregated across all captive and independent agentsMost Unique Coverage Add-on
StreetSmart Rewards Program
How to Find the Best Car Insurance in New Jersey
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.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance is not knowing what coverage you need. Consider your driving habits, location and finances when deciding the level of auto insurance you need while meeting New Jersey required minimums.
- 2
Research average costs and discounts you may qualify for
Start by researching average car insurance costs in New Jersey to understand typical pricing for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can provide additional savings on your premium.
- 3
Look through provider customer experiences and coverage options thoroughly
Insurance providers differ in more than just its rates. Research customer reviews and claims handling processes to avoid companies with poor service records. Review available add-on coverages to ensure the provider can meet any specialized protection needs you may have.
- 4
Consider non-standard coverage options
Look into specialized options like non-owner car insurance or pay-per-mile policies that might better suit your specific situation. These alternatives often provide more cost-effective coverage for certain drivers.
- 5
Compare plenty of quotes through multiple means
Getting multiple quotes is crucial for finding the cheapest option possible. Obtain quotes through different channels including independent agents, direct from insurers and comparison websites to ensure you're seeing all available options.
- 6
Reassess annually
Insurance rates change frequently due to market conditions and other factors. Review your coverage and shop for new quotes each year to ensure your current policy still offers the best value for your needs.
Best New Jersey Auto Insurance: Bottom Line
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.
Best Auto Insurance in New Jersey: FAQ
Finding the right car insurance depends on your personal situation, so we'll help you choose the best coverage by answering common insurance questions.
What is the best car insurance company in New Jersey?
Plymouth Rock leads New Jersey auto insurance providers, earning a MoneyGeek score of 4.7 out of 5 and offering full coverage at an average monthly rate of $121 per month.
What is the best car insurance company for minimum coverage in New Jersey?
Plymouth Rock leads for minimum coverage in New Jersey with an average rate of $794 per year.
What is the best car insurance in New Jersey for young drivers?
Amica is the top choice for young adults in New Jersey, combining strong customer service with competitive rates at $176 per month for minimum coverage.
What is the best car insurance for New Jersey drivers who value customer service?
Amica ranks highest for customer experience in New Jersey with a score of 5 out of 5. The company excels in all service areas, from its streamlined buying process to responsive claims handling and user-friendly policy tools.
What is the best car insurance in New Jersey if you have driving offenses?
Plymouth Rock offers the best rates for New Jersey drivers with violations, charging $75 monthly for minimum coverage and $139 for full coverage policies.
How We Rated the Best Car Insurance in New Jersey
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.