BestCar InsuranceNew JerseyBest Car Insurance in New Jersey (April 2023)
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Amica offers the best auto insurance in New Jersey for both full and minimum coverage, customer service, drivers with a moving violation, military members, young drivers and seniors. The top option for new cars is Travelers.
If affordability is your main priority, MoneyGeek lists the cheapest auto insurance in New Jersey.
BestCar InsuranceNew JerseyBest Car Insurance in New Jersey
Best Overall - Amica Mutual
Best for Service - Amica Mutual
Best for Minimum Coverage - Amica Mutual
Best for Young Adults - Amica Mutual
Best for Seniors - Amica Mutual
Best for Driving Offenses - Amica Mutual
Best for New Cars - Travelers
Best for Military - Amica Mutual
Best Overall for Car Insurance in New Jersey
The top full coverage auto insurance in New Jersey is provided by Amica. According to MoneyGeek's study, the best car insurance companies are:
- Amica: MoneyGeek score of 94 out of 100 (approximately $944 per year)
- NJM: MoneyGeek score of 92 out of 100 (approximately $922 per year)
Amica scored well for affordability and customer satisfaction.
New Jersey's average annual cost for full coverage car insurance is $1,674. If you want to save money, you can research the cheapest full coverage auto insurance in New Jersey.
MoneyGeek Top Pick
COMPANY HIGHLIGHTS
After earning top scores for customer satisfaction and cost, Amica is MoneyGeek's choice for the best auto insurance in New Jersey. It has the fourth-cheapest rate in the state, at an average of $944 per year.
The top-rated insurer in New Jersey is Amica. It provides both basic coverage and several of the most popular add-on options, like new car replacement, roadside assistance, gap insurance and accident forgiveness.
Amica's unique coverages include glass deductible modification and identity theft protection. Your deductible does not apply to repairs made with the glass deductible modification add-on if you incur damage to your car's windshield or windows. The company also safeguards your personal data against fraud by preventing identity theft.
The insurer scored well for affordability and customer satisfaction, but its claims and coverage scores were a bit lower. If you want a better claims processing experience or more coverage options, it’s worth looking into other insurers.
MoneyGeek Runner-Up
COMPANY HIGHLIGHTS
Due to its high scores for financial stability and affordability, NJM Insurance Group (NJM) was rated as the second-best car insurance provider in the state. With an average annual premium of $922 for full coverage insurance, NJM offers rideshare insurance.
NJM is among the cheapest auto insurance providers in New Jersey, making it a top option among drivers. The company boasts an extensive range of discounts such as bundling, multiple car, airbags, anti-theft systems and defensive driving. NJM also offers savings that other insurers do not, like the new vehicle discount and the autopay discount.
This Trenton, New Jersey-based company provides liability insurance, comprehensive and collision insurance, just like all other auto insurance providers. You can purchase standard add-on coverages like gap insurance and roadside assistance. However, NJM doesn't provide any special coverages, including those for custom parts.
NJM scored well for affordability, stability and satisfaction. However, it scored lower in coverage and claims.
How the Best Insurers in New Jersey Rank: MoneyGeek Scores and Costs
With its superior customer service and strong financial position, Amica bested the other insurance companies in New Jersey that MoneyGeek reviewed. NJM, which offers reasonable pricing as well, came in second but had a significantly lower client satisfaction score.
Since they are among the most affordable insurers, the two top companies may be ideal for New Jersey residents. To determine which is best for you, consider other factors, such as pricing and customer service.
Each component of the grading methodology needs to have enough data in order for an insurance company to receive a MoneyGeek overall score.
Best Car Insurance in New Jersey for Customer Service
In terms of customer service, Amica offers the best auto insurance in New Jersey. The following are MoneyGeek's top recommendations for service:
- Amica: MoneyGeek score of 92 out of 100 (approximately $944 per year)
- Foremost: MoneyGeek score of 90 out of 100 (approximately $2,193 per year)
Amica scored well in affordability and satisfaction. It is cheap compared to other insurers in the state.
pros
Ranked highly in customer satisfaction, costing an average of $944 annually
Among the most affordable in the state
High satisfaction score
cons
Weak claims handling score
Lower coverage score
COMPANY HIGHLIGHTS
Amica distinguishes itself by offering exceptional customer service, great benefits and no restrictions on repair facilities. These are some of the reasons why it is the best auto insurance in New Jersey for service. For instance, the company’s website has helpful features and resources, including a rate calculator, that can help customers. Both online bill payment and claim submission are also available through its mobile app.
Amica offers add-on coverages like new car replacement, accident forgiveness, full glass coverage and more. You can also take advantage of roadside assistance, rental car reimbursement and identity theft coverage.
The insurer scored lower in claims and coverages, so be aware of this if those are factors that are important to you in an insurance company.
What Makes an Insurer the Best for Customer Service?
Due to its outstanding features that provide excellent customer service, Amica also took MoneyGeek's top rank in this category.
The best insurer in New Jersey is the one that pays attention to concerns and solves them carefully. An insurer responding to concerns promptly and effectively is an indication of exceptional customer service. Amica did score lower than the runner-up in terms of customer service, but its claims score helped give it the edge.
Best Car Insurance in New Jersey for Minimum Coverage
Amica is the best auto insurance company in New Jersey for minimum coverage. It meets the lowest liability standards in the state and is the cheapest option. The following are the top insurers in this category:
- Amica: MoneyGeek score of 95 out of 100 (approximately $418 per year)
- NJM: MoneyGeek score of 92 out of 100 (approximately $509 per year)
Amica scored well in affordability and satisfaction.
The average cost of a minimum coverage policy in New Jersey is $1,018 a year. Keep in mind that minimum coverage offers the weakest protection against liability costs and limits coverage for damage.
pros
Ranked highest for affordability, at $418 annually
Excellent customer service
High financial stability score
Offers bundling and safe driving discounts
cons
Average claims handling rating
Lower coverage score
No deductible modification or better car replacement coverage
No new vehicle discount
COMPANY HIGHLIGHTS
Amica is affordable for New Jersey drivers purchasing minimum coverage. You can reduce the premium of an auto policy that is already reasonably priced by utilizing Amica's discounts. The company provides standard savings for bundling, defensive driving, full payment and airbags.
As the best minimum coverage car insurance provider, the insurer's special coverages include glass deductible modification and identity theft protection. Additionally, it offers both fundamental coverage and add-ons, including roadside assistance, new car replacement, accident forgiveness and gap insurance.
Among the more unique discounts offered by Amica is the advanced safety features discount. You can save if your car has features like electronic stability control, adaptive headlights and more. When paired with the company’s low rates, drivers can pay affordable premiums for minimum coverage.
What Makes an Insurer the Best for Minimum Coverage?
Amica provides excellent minimum coverage insurance that comes with advantages and easily accessible services. In addition to discounts that can further lower your rate, a good minimum coverage policy will offer the lowest prices for the coverage levels required.
You might not have the means to purchase full coverage, but insurance professionals recommend purchasing liability limits above the state minimum for a greater level of financial protection in the event of an at-fault accident.
MONEYGEEK EXPERT TIP
It's not uncommon for drivers to assume they cannot afford to add comprehensive and collision coverage to their auto insurance policy to have full coverage. But, adding comprehensive to a standard auto policy costs less than $250 a year on average, and adding collision averages more than $500 a year. When you consider the financial protection these coverages provide for your vehicle, and that the cost isn't that prohibitive, they are worth getting if you can afford it. Insurance professionals recommend a full coverage policy over minimum coverage or liability-only. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Best Car Insurance in New Jersey for Young Adults
Amica provides the best car insurance in New Jersey for young adults. The insurers below offer the most affordable premiums and superior service for drivers in their 20s. The top companies for young drivers include:
- Amica: MoneyGeek score of 94 out of 100 (approximately $1,113 per year)
- Travelers: MoneyGeek score of 92 out of 100 (approximately $1,163 per year)
While often cheaper than for teens, auto insurance premiums for drivers in their 20s are frequently higher than for middle-aged adults. To get the best car insurance for young adults in New Jersey and save more, MoneyGeek suggests comparing prices.
pros
Ranked highly in affordability, at roughly $1,113 per year
High financial stability score
Offers unique coverages
Scored well in satisfaction
Offers distant student, good student and driver’s education discounts
cons
Some common add-on coverages are not offered
Lower claims handling score
Scored low in coverage options
COMPANY HIGHLIGHTS
Amica has some of the cheapest insurance rates in New Jersey for young adults. Its strong financial stability and unique coverage options are also strong backbones for this insurer’s standing as the best auto insurance in the Garden State for young drivers.
Even with low insurance premiums already, young adults can still maximize the wide range of discounts that Amica provides. Some of its special discounts are for choosing automatic payments, maintaining continuous insurance and homeownership.
For young adults specifically, the insurer offers distant student, good student and driver’s education discounts to help lower rates. The distant student discount is available to those who go to school full time away from home, while the good student discount is offered to those who go to school full time and have a B-average GPA or better.
What Makes an Insurer the Best for Young Adults?
Amica is MoneyGeek's top pick for young adults in New Jersey because of its affordable prices and discounts for young drivers. It also scored higher than most other insurers in the majority of categories we evaluated.
Discounts and top-notch service are what make the best insurance. Because insurers usually charge young adults greater prices, look for one that offers discounts.
Best Car Insurance in New Jersey for Seniors
The best auto insurance in New Jersey for senior drivers is available from Amica. Leading insurance companies for motorists in their 60s that offer affordability and quality for full coverage policies in the state include:
- Amica: MoneyGeek score of 93 out of 100 (approximately $1,020 per year)
- NJM: MoneyGeek score of 92 out of 100 (approximately $798 per year)
Amica scored well for affordability and customer satisfaction. In their 60s, insurance prices are comparable to those in their 30s until their 50s, but they rise once they reach 70 due to an increased accident frequency rate. Through comparison shopping of multiple companies, it is possible to find the most affordable senior auto insurance.
pros
Ranked second in customer satisfaction
Among the most affordable rates in New Jersey, at approximately $1,020 annually
Offers gap insurance
cons
Doesn’t provide some popular coverages
Lower score for claims handling
COMPANY HIGHLIGHTS
Amica offers the best auto insurance for senior drivers. The company offers several discounts in order to further reduce the cost of insurance. Discounts for bundling, anti-theft system, full payment, defensive driving, paperless and airbags are available to seniors in the Garden State.
The company also offers some unique coverages, such as glass deductible modification and identity theft protection. For glass deductible modification, your deductible does not apply to repairs if your car's windows or windshield are damaged. Identity theft protection safeguards your private information against fraud by preventing identity theft and offers support in the event of fraud.
Amica scored well for affordability and customer satisfaction, but policyholders might find the coverage options and claims management process lacking.
What Makes an Insurer the Best for Seniors?
Seniors are among the safest drivers on the road, but they are more likely to suffer major injuries in collisions. A trusted auto insurance company provides seniors with affordable full coverage insurance that includes personal injury protection (PIP), which is required in New Jersey, to help pay for medical costs.
Amica is the best option for elderly drivers in New Jersey because it provides a number of incentives to help seniors cut their rates while providing them with enough coverage, but the runner-up did earn a higher affordability score.
Best Car Insurance in New Jersey for Drivers With Offenses
Amica is the best auto insurance for drivers in New Jersey who have driving offenses. Insurers in this category were evaluated based on affordability and service quality. The best options are:
- Amica: MoneyGeek score of 93 out of 100 (approximately $1,583 per year)
- NJM: MoneyGeek score of 92 out of 100 (approximately $1,027 per year)
Although both leading providers got the same MoneyGeek score, Amica is a more reliable option because of its strong customer satisfaction rating.
It's crucial for drivers with violations to compare prices on auto insurance. After a speeding ticket or an at-fault accident, New Jersey's average premiums increase by $135 or $661, respectively. With a DUI, the cost goes up by around $918, plus a $1,000 surcharge is added to the premium for three years for a first-time DUI offense ($3,000 total); it increases to a $1,500 annual surcharge for a second offense.
pros
Scored well for customer satisfaction
Affordable rates costing around $1,583 annually
Offers roadside assistance, rental car reimbursement, accident forgiveness and new car replacement coverage
cons
No better car replacement or deductible modification, unlike other insurers
Lower score for claims handling
Scored lower for coverage options
COMPANY HIGHLIGHTS
Drivers in New Jersey who have driving records with a speeding ticket, an at-fault accident or a DUI can find the best auto insurance from Amica. Although there are cheaper options in the state, the company boasts excellent customer service that these driver types could benefit from. Being able to get affordable rates after a moving violation is important in order to ensure you don’t break the bank on your insurance coverage costs.
You could lower the price of your insurance since Amica provides a number of discounts. Drivers may get a discount for having airbags, paying in full, bundling, anti-theft systems and more.
Useful coverages offered for drivers with violations include rental car reimbursement, roadside assistance and new car replacement coverage.
What Makes an Insurer the Best for Drivers With Offenses?
Insurance costs for high-risk drivers are often substantially higher. A good insurance company after a driving offense will offer an affordable rate, discount opportunities and common optional coverages.
Amica is the best for New Jersey drivers with offenses since it offers discounts and great coverage options. Keep in mind the runner-up does offer lower rates by around $500 annually, on average.
Best Car Insurance in New Jersey for Drivers With New Cars
The top auto insurance for new drivers in New Jersey is offered by Travelers. The following insurers provide coverage for new or better car replacement coverage for drivers in the state with a 2022 model car:
- Travelers: MoneyGeek score of 76 out of 100 (approximately $1,345 per year)
- Allstate: MoneyGeek score of 68 out of 100 (approximately $1,594 per year)
With superior ratings for affordability and financial stability, Travelers outperforms its counterparts. New or better car replacement coverage is a useful add-on because it will assist you in purchasing a new car if your vehicle is totaled in a collision.
pros
Ranked number 1 in affordability, costing an average of $1,345 annually
Offers common and unique discounts
Highest financial stability score
Scored well in coverage options
cons
Lower score for customer satisfaction
Weak claims handling
COMPANY HIGHLIGHTS
Travelers offers New Jersey residents who own new cars the best insurance. Although its plans are the most affordable, a wide range of discounts are available, which could further reduce the price of your auto insurance.
Common add-on insurance coverages are offered by Travelers, just like other insurers. These include gap insurance, new car replacement, roadside assistance and accident forgiveness. Regarding distinctive coverages, Travelers does not provide any that could set it apart from competitors. It also does not provide better car replacement.
The insurer’s new car replacement coverage will pay to replace your new car (as long as it’s no more than five years old) with a new car of the same make and model. It calls this coverage Premier New Car Replacement.
What Makes an Insurer the Best for Drivers With New Cars?
You need the right insurance to safeguard your large investment so the best provider is one that will give you beneficial coverages and advantages.
Since Travelers offers many of the most popular coverages, including new car replacement and gap insurance, it is advantageous for drivers with new cars. This is particularly true given its rates and coverage options. That said, the runner-up did score better in customer satisfaction.
Best Car Insurance in New Jersey for Military Drivers
With a MoneyGeek rating of 85 out of 100, Amica topped MoneyGeek’s list of the top auto insurance in New Jersey for members of the military community. At $944 a year, it offers the most affordable full coverage rate in the state.
USAA provides affordable insurance and coverages that are tailored to the requirements of active-duty military members, veterans and their families, but quotes were not available in New Jersey.
You may also consider GEICO since the company offers exclusive discounts for active and retired military personnel and Reserves and National Guard members.
pros
Among the cheapest insurance rates, at $944 a year
Strong customer service
cons
Claims handling is average
Lower coverage options score
COMPANY HIGHLIGHTS
Even for military drivers, Amica emerged as the best auto insurance in New Jersey. The company may not have the cheapest rates in the state, but it has a considerable number of discounts that could help offset the costs. Drivers can qualify for discounts like full payment, anti-theft system, airbags, defensive driving and bundling, among others. Apart from its discounts, Amica also has strong customer service, which is a good characteristic of an auto insurer.
Policyholders with the company can take advantage of coverage options like roadside assistance, glass deductible modification, new car replacement coverage and gap insurance.
Keep in mind that Amica has low scores in coverage options and claims handling. Evaluate the coverages you need and make sure the insurer offers them before purchasing a policy.
How to Find the Best Car Insurance in New Jersey for You
Cost, customer service, claims handling, coverages and the financial stability of the company should all be taken into account when choosing the top auto insurance in New Jersey.
MoneyGeek has gathered all of this information to help you complete the process, but you can do your own research using the steps below.
1
Research customer service reputations in New Jersey
MoneyGeek looked at customer reviews for New Jersey's top auto insurance providers. You can browse the various providers’ features by looking up J.D. Power’s satisfaction ratings and the National Association of Insurance Commissioners (NAIC) complaint statistics in New Jersey. The New Jersey Division of Insurance is another source of information.
2
Compare quotes
The quotes we used are averages for a sample New Jersey driver. To receive an accurate estimate of your auto insurance costs, you should compare at least three offers using your unique details.
3
Find the coverages you want in New Jersey
Insurance companies promote the discounts or coverages they offer to customers, but these advantages are occasionally not available in all states. To verify if an insurer has the deal you are searching for in your area in New Jersey, you can get in touch with the company directly.
4
Check financial stability ratings
Verifying an insurance company's financial stability is essential, whether a regional or nationwide company. It will reflect their capacity to pay claims. You may consider choosing a different insurer if they have a low rating.
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FAQs About the Best Car Insurance in New Jersey
Your needs and preferences will determine the best auto insurance for you. We’ve answered some of the most frequently asked questions about car insurance in New Jersey.
About Mark Fitzpatrick
