Plymouth Rock Insurance provides New Jersey's most affordable car insurance, with monthly rates of $66 for minimum coverage and $121 for full coverage. New Jersey drivers save $50 monthly (35%) compared to other major providers. Get quotes from Selective, NJM, Amica and Farmers too.
Cheapest Car Insurance in New Jersey
Updated: August 28, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in New Jersey for most drivers are Plymouth Rock Insurance, Selective Insurance and NJM Insurance, offering average savings of up to 35%.
Car insurance costs can be as low as $47 for minimum coverage and $86 for full coverage policies on average in New Jersey.
To get the cheapest car insurance in New Jersey, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in New Jersey?
| Plymouth Rock Insurance | $66 | $121 | -35% | $-50 |
| Selective Insurance | $70 | $126 | -32% | $-46 |
| NJM Insurance | $87 | $137 | -22% | $-32 |
| Amica | $86 | $152 | -17% | $-24 |
| Farmers | $103 | $142 | -15% | $-21 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN NEW JERSEY
We've created additional guides below to help you in your search for the best and cheapest car insurance in New Jersey:
Best Car Insurance Rates by Category in New Jersey
GEICO offers the cheapest rates for three driver categories in New Jersey, including young drivers and those with bad credit or low income, while Selective Insurance matches with three category wins of its own for seniors, speeders and drivers with older vehicles. Find your specific rates in the table:
| Young Drivers | Geico | $98 |
| Adult Drivers | Plymouth Rock Insurance | $67 |
| Senior Drivers | Selective Insurance | $70 |
| Drivers With An Accident | NJM Insurance | $93 |
| Drivers With A DUI | Plymouth Rock Insurance | $78 |
| Drivers With A Speeding Ticket | Selective Insurance | $70 |
| Drivers With Bad Credit | Geico | $85 |
| Drivers With Low Income | Geico | $57 |
| Drivers With Newer Cars | Travelers | $83 |
| Drivers With Old Cars | Selective Insurance | $60 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in New Jersey for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, NJM offers the lowest rates at $144 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| NJM Insurance | $144 | $1,732 | -56% | $-2,185 |
| Geico | $207 | $2,486 | -37% | $-1,431 |
| Plymouth Rock Insurance | $268 | $3,222 | -18% | $-696 |
| Travelers | $288 | $3,456 | -12% | $-462 |
| Selective Insurance | $289 | $3,465 | -12% | $-453 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in New Jersey by City
Where you live in New Jersey affects your insurance costs based on local crime, accidents and traffic density. Selective charges as little as $47 in Allenwood but Plymouth Rock costs $96 in Elizabethport. Here are the cheapest providers for every New Jersey city:
Data filtered by:Results filtered by:
Select
City:
| Newark | Plymouth Rock Insurance | $84 | -40% | $-80 |
| Jersey City | Plymouth Rock Insurance | $81 | -36% | $-65 |
| Paterson | Plymouth Rock Insurance | $85 | -39% | $-75 |
| Elizabeth | Plymouth Rock Insurance | $85 | -40% | $-78 |
| Toms River | NJM Insurance | $72 | -25% | $-32 |
| Trenton | Plymouth Rock Insurance | $72 | -32% | $-49 |
| Clifton | NJM Insurance | $85 | -35% | $-59 |
| Bayonne | Plymouth Rock Insurance | $71 | -37% | $-59 |
| East Orange | Plymouth Rock Insurance | $75 | -44% | $-82 |
| Camden | Plymouth Rock Insurance | $69 | -46% | $-82 |
| Passaic | Plymouth Rock Insurance | $80 | -40% | $-76 |
| Union City | Plymouth Rock Insurance | $72 | -43% | $-78 |
| Vineland | Plymouth Rock Insurance | $69 | -30% | $-41 |
| Irvington | Plymouth Rock Insurance | $81 | -40% | $-77 |
| North Bergen | Plymouth Rock Insurance | $77 | -42% | $-78 |
| Hoboken | Plymouth Rock Insurance | $77 | -36% | $-60 |
| New Brunswick | Plymouth Rock Insurance | $71 | -31% | $-45 |
| Perth Amboy | Plymouth Rock Insurance | $67 | -45% | $-76 |
| Sayreville | Plymouth Rock Insurance | $68 | -31% | $-43 |
| Kearny | Plymouth Rock Insurance | $72 | -40% | $-67 |
| Linden | Plymouth Rock Insurance | $76 | -38% | $-67 |
| Teaneck | NJM Insurance | $79 | -34% | $-54 |
| Hackensack | NJM Insurance | $81 | -38% | $-64 |
| West New York | Plymouth Rock Insurance | $72 | -43% | $-78 |
| Plainfield | Plymouth Rock Insurance | $80 | -38% | $-67 |
| East Brunswick | NJM Insurance | $69 | -31% | $-41 |
| Bloomfield | Plymouth Rock Insurance | $72 | -36% | $-57 |
| Mount Laurel | Selective Insurance | $57 | -34% | $-42 |
| Belleville | Plymouth Rock Insurance | $72 | -39% | $-66 |
| Parsippany | Selective Insurance | $56 | -31% | $-36 |
| North Brunswick | Plymouth Rock Insurance | $71 | -31% | $-44 |
| Fort Lee | NJM Insurance | $79 | -41% | $-74 |
| Fair Lawn | NJM Insurance | $81 | -32% | $-51 |
| Absecon | Plymouth Rock Insurance | $72 | -31% | $-45 |
| Adelphia | Plymouth Rock Insurance | $68 | -27% | $-36 |
| Allendale | Selective Insurance | $56 | -35% | $-42 |
| Allenhurst | Selective Insurance | $64 | -30% | $-39 |
| Allentown | Selective Insurance | $57 | -32% | $-38 |
| Allenwood | Selective Insurance | $47 | -43% | $-50 |
| Alpine | NJM Insurance | $72 | -33% | $-47 |
| Andover | Selective Insurance | $57 | -29% | $-33 |
| Annandale | Selective Insurance | $53 | -32% | $-36 |
| Asbury | Selective Insurance | $57 | -28% | $-31 |
| Asbury Park | Selective Insurance | $64 | -30% | $-39 |
| Atco | Plymouth Rock Insurance | $68 | -32% | $-45 |
| Atlantic City | Plymouth Rock Insurance | $65 | -47% | $-81 |
| Atlantic Highlands | Selective Insurance | $57 | -32% | $-38 |
| Audubon | Selective Insurance | $51 | -40% | $-49 |
| Augusta | Selective Insurance | $57 | -29% | $-33 |
| Avalon | Selective Insurance | $55 | -35% | $-41 |
| Avenel | Plymouth Rock Insurance | $68 | -32% | $-46 |
| Avon-by-the-Sea | Selective Insurance | $47 | -42% | $-47 |
| Baptistown | Selective Insurance | $57 | -28% | $-31 |
| Barnegat | Selective Insurance | $57 | -31% | $-36 |
| Barnegat Light | Selective Insurance | $57 | -31% | $-36 |
| Barrington | Plymouth Rock Insurance | $64 | -31% | $-40 |
| Basking Ridge | Selective Insurance | $53 | -33% | $-37 |
| Bayville | NJM Insurance | $72 | -25% | $-32 |
| Beachwood | NJM Insurance | $72 | -25% | $-32 |
| Bedminster | Selective Insurance | $53 | -35% | $-40 |
| Belford | Selective Insurance | $57 | -32% | $-38 |
| Belle Mead | Selective Insurance | $53 | -33% | $-37 |
| Bellmawr | Plymouth Rock Insurance | $64 | -32% | $-42 |
| Belmar | Selective Insurance | $47 | -41% | $-46 |
| Belvidere | Selective Insurance | $57 | -29% | $-33 |
| Bergenfield | NJM Insurance | $72 | -39% | $-62 |
| Berkeley Heights | Selective Insurance | $53 | -36% | $-42 |
| Berlin | Plymouth Rock Insurance | $68 | -32% | $-45 |
| Bernardsville | Selective Insurance | $53 | -33% | $-37 |
| Beverly | Plymouth Rock Insurance | $62 | -29% | $-36 |
| Birmingham | Selective Insurance | $57 | -34% | $-41 |
| Blackwood | Plymouth Rock Insurance | $64 | -33% | $-44 |
| Blairstown | Selective Insurance | $57 | -29% | $-33 |
| Blawenburg | Selective Insurance | $53 | -34% | $-38 |
| Bloomingdale | NJM Insurance | $66 | -29% | $-36 |
| Bloomsbury | Selective Insurance | $57 | -29% | $-33 |
| Bogota | NJM Insurance | $79 | -35% | $-57 |
| Boonton | Selective Insurance | $53 | -34% | $-39 |
| Bordentown | Selective Insurance | $57 | -32% | $-39 |
| Bound Brook | Plymouth Rock Insurance | $61 | -32% | $-40 |
| Bradley Beach | Selective Insurance | $64 | -29% | $-38 |
| Bradley Gardens | Selective Insurance | $53 | -36% | $-42 |
| Branchville | NJM Insurance | $66 | -27% | $-32 |
| Brick | NJM Insurance | $72 | -25% | $-32 |
| Bridgeport | Plymouth Rock Insurance | $61 | -29% | $-35 |
| Bridgeton | Plymouth Rock Insurance | $67 | -29% | $-39 |
| Brielle | Selective Insurance | $47 | -41% | $-46 |
| Brigantine | Plymouth Rock Insurance | $72 | -30% | $-44 |
| Broadway | Selective Insurance | $57 | -31% | $-35 |
| Brookside | Selective Insurance | $53 | -34% | $-39 |
| Browns Mills | Plymouth Rock Insurance | $66 | -26% | $-33 |
| Budd Lake | Selective Insurance | $56 | -31% | $-35 |
| Buena | Plymouth Rock Insurance | $68 | -32% | $-45 |
| Burlington | Selective Insurance | $57 | -34% | $-42 |
| Buttzville | Selective Insurance | $57 | -30% | $-34 |
| Caldwell | Plymouth Rock Insurance | $65 | -26% | $-32 |
| Califon | Selective Insurance | $53 | -33% | $-36 |
| Cape May | Selective Insurance | $54 | -35% | $-41 |
| Cape May Court House | Selective Insurance | $55 | -36% | $-43 |
| Cape May Point | Selective Insurance | $54 | -35% | $-41 |
| Carlstadt | Plymouth Rock Insurance | $69 | -35% | $-53 |
| Carneys Point | Plymouth Rock Insurance | $61 | -29% | $-36 |
| Carteret | Plymouth Rock Insurance | $76 | -36% | $-60 |
| Cedar Brook | Plymouth Rock Insurance | $68 | -29% | $-39 |
| Cedar Grove | NJM Insurance | $71 | -30% | $-40 |
| Cedar Knolls | Selective Insurance | $56 | -30% | $-34 |
| Cedarville | Plymouth Rock Insurance | $67 | -29% | $-39 |
| Changewater | Selective Insurance | $57 | -29% | $-32 |
| Chatham | Selective Insurance | $53 | -34% | $-38 |
| Chatsworth | Selective Insurance | $57 | -34% | $-42 |
| Cherry Hill Mall | Plymouth Rock Insurance | $62 | -31% | $-39 |
| Chester | Selective Insurance | $53 | -33% | $-36 |
| Chesterfield | Selective Insurance | $57 | -32% | $-38 |
| Clark | Selective Insurance | $58 | -37% | $-49 |
| Clarksboro | Plymouth Rock Insurance | $67 | -31% | $-42 |
| Clayton | NJM Insurance | $69 | -36% | $-50 |
| Cliffside Park | NJM Insurance | $79 | -42% | $-75 |
| Cliffwood | Plymouth Rock Insurance | $68 | -30% | $-41 |
| Clinton | Selective Insurance | $53 | -32% | $-36 |
| Closter | NJM Insurance | $72 | -33% | $-48 |
| Collingswood | Selective Insurance | $61 | -32% | $-40 |
| Cologne | Plymouth Rock Insurance | $72 | -25% | $-34 |
| Colonia | Plymouth Rock Insurance | $68 | -32% | $-45 |
| Colts Neck | Selective Insurance | $57 | -33% | $-40 |
| Columbia | Selective Insurance | $57 | -29% | $-33 |
| Columbus | Selective Insurance | $57 | -32% | $-38 |
| Convent Station | Selective Insurance | $53 | -34% | $-39 |
| Cookstown | Selective Insurance | $57 | -33% | $-40 |
| Cranbury | NJM Insurance | $70 | -28% | $-36 |
| Cranford | Selective Insurance | $58 | -37% | $-49 |
| Cream Ridge | Selective Insurance | $57 | -33% | $-41 |
| Cresskill | NJM Insurance | $72 | -33% | $-48 |
| Dayton | Plymouth Rock Insurance | $63 | -28% | $-35 |
| Deal | Selective Insurance | $64 | -30% | $-39 |
| Deepwater | Plymouth Rock Insurance | $61 | -29% | $-36 |
| Deerfield Street | Plymouth Rock Insurance | $67 | -31% | $-43 |
| Delmont | Plymouth Rock Insurance | $67 | -29% | $-38 |
| Demarest | NJM Insurance | $72 | -34% | $-49 |
| Dennisville | Selective Insurance | $55 | -37% | $-45 |
| Denville | Selective Insurance | $53 | -34% | $-38 |
| Dividing Creek | Plymouth Rock Insurance | $67 | -29% | $-39 |
| Dorchester | Plymouth Rock Insurance | $67 | -29% | $-39 |
| Dorothy | Selective Insurance | $71 | -27% | $-38 |
| Dover | Selective Insurance | $56 | -35% | $-42 |
| Dumont | NJM Insurance | $72 | -32% | $-46 |
| Dunellen | Selective Insurance | $58 | -36% | $-46 |
| East Hanover | Selective Insurance | $56 | -35% | $-43 |
| East Rutherford | Plymouth Rock Insurance | $72 | -32% | $-48 |
| Eatontown | Selective Insurance | $57 | -32% | $-38 |
| Edgewater | NJM Insurance | $79 | -41% | $-74 |
| Edison | Plymouth Rock Insurance | $61 | -37% | $-51 |
| Egg Harbor City | Plymouth Rock Insurance | $72 | -31% | $-44 |
| Egg Harbor Township | Plymouth Rock Insurance | $72 | -30% | $-43 |
| Elizabethport | Plymouth Rock Insurance | $96 | -40% | $-85 |
| Elmer | Selective Insurance | $62 | -30% | $-38 |
| Elmwood Park | Plymouth Rock Insurance | $76 | -37% | $-64 |
| Emerson | NJM Insurance | $72 | -31% | $-42 |
| Englewood | NJM Insurance | $79 | -40% | $-70 |
| Englewood Cliffs | NJM Insurance | $79 | -36% | $-59 |
| Englishtown | NJM Insurance | $70 | -30% | $-39 |
| Essex Fells | NJM Insurance | $71 | -32% | $-45 |
| Estell Manor | Selective Insurance | $71 | -27% | $-38 |
| Ewan | Plymouth Rock Insurance | $61 | -31% | $-39 |
| Fairfield | Plymouth Rock Insurance | $65 | -26% | $-32 |
| Fair Haven | Selective Insurance | $57 | -32% | $-38 |
| Fairton | Plymouth Rock Insurance | $67 | -29% | $-40 |
| Fairview | Plymouth Rock Insurance | $77 | -42% | $-78 |
| Fanwood | Selective Insurance | $58 | -39% | $-52 |
| Far Hills | Selective Insurance | $53 | -34% | $-38 |
| Farmingdale | Selective Insurance | $64 | -30% | $-38 |
| Flagtown | Selective Insurance | $53 | -39% | $-48 |
| Flanders | Selective Insurance | $53 | -33% | $-37 |
| Flemington | Selective Insurance | $53 | -33% | $-37 |
| Florence | Selective Insurance | $57 | -34% | $-42 |
| Florham Park | Selective Insurance | $53 | -34% | $-38 |
| Fords | Plymouth Rock Insurance | $68 | -32% | $-45 |
| Forked River | Selective Insurance | $57 | -32% | $-37 |
| Fort Dix | Selective Insurance | $57 | -34% | $-41 |
| Fortescue | Plymouth Rock Insurance | $67 | -29% | $-39 |
| Fort Monmouth | Selective Insurance | $57 | -32% | $-38 |
| Franklin | NJM Insurance | $66 | -29% | $-36 |
| Franklin Lakes | Selective Insurance | $56 | -35% | $-42 |
| Franklin Park | Plymouth Rock Insurance | $61 | -38% | $-52 |
| Franklinville | Plymouth Rock Insurance | $68 | -32% | $-45 |
| Freehold | Plymouth Rock Insurance | $68 | -27% | $-36 |
| Frenchtown | Selective Insurance | $57 | -28% | $-31 |
| Garfield | Plymouth Rock Insurance | $80 | -35% | $-60 |
| Garwood | Selective Insurance | $58 | -37% | $-49 |
| Gibbsboro | Plymouth Rock Insurance | $62 | -32% | $-41 |
| Gibbstown | Plymouth Rock Insurance | $61 | -29% | $-35 |
| Gillette | Selective Insurance | $53 | -33% | $-37 |
| Gladstone | Selective Insurance | $53 | -34% | $-38 |
| Glassboro | Plymouth Rock Insurance | $64 | -31% | $-41 |
| Glasser | Selective Insurance | $56 | -30% | $-34 |
| Glendora | Plymouth Rock Insurance | $64 | -31% | $-41 |
| Glen Gardner | Selective Insurance | $57 | -28% | $-31 |
| Glen Ridge | Plymouth Rock Insurance | $76 | -25% | $-35 |
| Glen Rock | Plymouth Rock Insurance | $67 | -28% | $-36 |
| Gloucester City | NJM Insurance | $69 | -30% | $-40 |
| Goshen | Selective Insurance | $55 | -39% | $-50 |
| Great Meadows | Selective Insurance | $57 | -29% | $-33 |
| Green Creek | Selective Insurance | $54 | -39% | $-49 |
| Greendell | Selective Insurance | $57 | -29% | $-33 |
| Green Village | Selective Insurance | $53 | -33% | $-37 |
| Greenwich | Plymouth Rock Insurance | $62 | -26% | $-31 |
| Grenloch | Plymouth Rock Insurance | $64 | -31% | $-41 |
| Hackettstown | Selective Insurance | $57 | -29% | $-33 |
| Haddonfield | Selective Insurance | $51 | -40% | $-48 |
| Haddon Heights | Selective Insurance | $51 | -40% | $-48 |
| Hainesport | Selective Insurance | $57 | -33% | $-40 |
| Hamburg | NJM Insurance | $66 | -29% | $-36 |
| Hamilton Square | Selective Insurance | $57 | -32% | $-38 |
| Hammonton | Plymouth Rock Insurance | $68 | -33% | $-49 |
| Hampton | Selective Insurance | $57 | -28% | $-31 |
| Hancocks Bridge | Plymouth Rock Insurance | $61 | -33% | $-43 |
| Harrington Park | NJM Insurance | $72 | -31% | $-44 |
| Harrison | Plymouth Rock Insurance | $72 | -40% | $-67 |
| Harrisonville | Plymouth Rock Insurance | $61 | -34% | $-44 |
| Hasbrouck Heights | Plymouth Rock Insurance | $69 | -35% | $-53 |
| Haskell | Plymouth Rock Insurance | $65 | -27% | $-33 |
| Haworth | NJM Insurance | $72 | -32% | $-44 |
| Hawthorne | NJM Insurance | $80 | -32% | $-50 |
| Hazlet | Plymouth Rock Insurance | $64 | -26% | $-31 |
| Heislerville | Plymouth Rock Insurance | $67 | -29% | $-39 |
| Helmetta | NJM Insurance | $69 | -31% | $-40 |
| Hewitt | Selective Insurance | $56 | -34% | $-42 |
| Hibernia | Selective Insurance | $53 | -35% | $-40 |
| High Bridge | Selective Insurance | $57 | -28% | $-31 |
| Highland Lakes | NJM Insurance | $66 | -30% | $-38 |
| Highland Park | Plymouth Rock Insurance | $61 | -38% | $-52 |
| Highlands | Selective Insurance | $57 | -33% | $-39 |
| Hightstown | Selective Insurance | $57 | -34% | $-41 |
| Hillsborough | Selective Insurance | $53 | -34% | $-38 |
| Hillsdale | Selective Insurance | $56 | -36% | $-44 |
| Hillside | Plymouth Rock Insurance | $75 | -38% | $-64 |
| Ho Ho Kus | Selective Insurance | $67 | -31% | $-43 |
| Holiday City-Berkeley | NJM Insurance | $72 | -25% | $-32 |
| Holmdel | Selective Insurance | $57 | -33% | $-39 |
| Hopatcong | Selective Insurance | $56 | -31% | $-36 |
| Hopewell | Selective Insurance | $53 | -34% | $-39 |
| Howell | Plymouth Rock Insurance | $68 | -28% | $-37 |
| Imlaystown | Selective Insurance | $57 | -32% | $-39 |
| Ironia | Selective Insurance | $53 | -34% | $-39 |
| Iselin | Plymouth Rock Insurance | $68 | -32% | $-46 |
| Island Heights | NJM Insurance | $72 | -24% | $-29 |
| Jackson | Plymouth Rock Insurance | $69 | -27% | $-37 |
| Jobstown | Selective Insurance | $57 | -33% | $-39 |
| Johnsonburg | Selective Insurance | $57 | -30% | $-34 |
| Juliustown | Selective Insurance | $57 | -33% | $-39 |
| Keansburg | Plymouth Rock Insurance | $68 | -25% | $-32 |
| Keasbey | Plymouth Rock Insurance | $68 | -32% | $-45 |
| Kendall Park | Plymouth Rock Insurance | $63 | -29% | $-37 |
| Kenilworth | NJM Insurance | $75 | -27% | $-36 |
| Kenvil | Selective Insurance | $53 | -34% | $-39 |
| Keyport | Plymouth Rock Insurance | $68 | -25% | $-33 |
| Kingston | Plymouth Rock Insurance | $60 | -30% | $-36 |
| Kingston Estates | Plymouth Rock Insurance | $62 | -31% | $-40 |
| Kinnelon | Selective Insurance | $56 | -31% | $-35 |
| Lafayette | Selective Insurance | $57 | -29% | $-33 |
| Lake Hiawatha | Selective Insurance | $56 | -31% | $-36 |
| Lake Hopatcong | Selective Insurance | $56 | -32% | $-37 |
| Lakehurst | NJM Insurance | $72 | -25% | $-31 |
| Lakewood | Plymouth Rock Insurance | $76 | -30% | $-47 |
| Lambertville | Selective Insurance | $53 | -33% | $-37 |
| Landing | Selective Insurance | $56 | -31% | $-36 |
| Landisville | Plymouth Rock Insurance | $68 | -31% | $-43 |
| Lanoka Harbor | Selective Insurance | $57 | -32% | $-37 |
| Lavallette | Plymouth Rock Insurance | $58 | -30% | $-35 |
| Lawnside | Plymouth Rock Insurance | $64 | -31% | $-40 |
| Lawrence Township | Plymouth Rock Insurance | $63 | -28% | $-34 |
| Layton | Selective Insurance | $57 | -29% | $-33 |
| Lebanon | Selective Insurance | $53 | -33% | $-37 |
| Ledgewood | Selective Insurance | $53 | -34% | $-38 |
| Leeds Point | Plymouth Rock Insurance | $72 | -29% | $-41 |
| Leesburg | Plymouth Rock Insurance | $67 | -29% | $-39 |
| Leonardo | Selective Insurance | $57 | -32% | $-38 |
| Leonia | NJM Insurance | $79 | -36% | $-60 |
| Liberty Corner | Selective Insurance | $53 | -33% | $-36 |
| Lincoln Park | Selective Insurance | $56 | -34% | $-41 |
| Lincroft | Selective Insurance | $57 | -32% | $-38 |
| Lindenwold | Plymouth Rock Insurance | $68 | -32% | $-46 |
| Linwood | Selective Insurance | $55 | -44% | $-61 |
| Little Ferry | NJM Insurance | $79 | -36% | $-59 |
| Little Silver | Selective Insurance | $57 | -32% | $-38 |
| Little York | Selective Insurance | $57 | -29% | $-32 |
| Livingston | NJM Insurance | $75 | -28% | $-39 |
| Lodi | NJM Insurance | $81 | -37% | $-62 |
| Long Branch | Selective Insurance | $64 | -29% | $-37 |
| Longport | Selective Insurance | $55 | -46% | $-66 |
| Long Valley | Selective Insurance | $53 | -33% | $-36 |
| Lumberton | Selective Insurance | $57 | -32% | $-39 |
| Lyndhurst | Plymouth Rock Insurance | $72 | -31% | $-46 |
| Lyons | Selective Insurance | $53 | -33% | $-36 |
| Madison | Selective Insurance | $53 | -33% | $-37 |
| Magnolia | Plymouth Rock Insurance | $64 | -31% | $-40 |
| Mahwah | Selective Insurance | $56 | -34% | $-42 |
| Malaga | Plymouth Rock Insurance | $68 | -32% | $-45 |
| Manasquan | Selective Insurance | $47 | -41% | $-46 |
| Manchester Township | NJM Insurance | $72 | -25% | $-32 |
| Mantoloking | Selective Insurance | $47 | -41% | $-46 |
| Mantua | Selective Insurance | $62 | -31% | $-40 |
| Manville | Selective Insurance | $53 | -36% | $-42 |
| Maple Shade | Plymouth Rock Insurance | $62 | -31% | $-39 |
| Maplewood | Plymouth Rock Insurance | $75 | -36% | $-58 |
| Margate City | Plymouth Rock Insurance | $72 | -31% | $-45 |
| Marlboro | Plymouth Rock Insurance | $68 | -27% | $-36 |
| Marlton | Selective Insurance | $57 | -36% | $-45 |
| Marmora | Selective Insurance | $55 | -36% | $-43 |
| Martinsville | Selective Insurance | $53 | -36% | $-42 |
| Matawan | Plymouth Rock Insurance | $68 | -28% | $-36 |
| Mauricetown | Plymouth Rock Insurance | $67 | -30% | $-40 |
| Mays Landing | Plymouth Rock Insurance | $72 | -31% | $-44 |
| Maywood | NJM Insurance | $72 | -37% | $-57 |
| Mc Afee | NJM Insurance | $66 | -32% | $-41 |
| McGuire AFB | Selective Insurance | $57 | -33% | $-40 |
| Medford | Selective Insurance | $57 | -34% | $-41 |
| Mendham | Selective Insurance | $53 | -33% | $-37 |
| Merchantville | NJM Insurance | $69 | -40% | $-61 |
| Metuchen | Plymouth Rock Insurance | $61 | -36% | $-49 |
| Mickleton | Plymouth Rock Insurance | $61 | -29% | $-35 |
| Middlesex | Plymouth Rock Insurance | $61 | -32% | $-41 |
| Middletown | Selective Insurance | $57 | -32% | $-38 |
| Middleville | Selective Insurance | $57 | -31% | $-36 |
| Midland Park | Selective Insurance | $56 | -36% | $-44 |
| Milford | Selective Insurance | $57 | -28% | $-31 |
| Millburn | NJM Insurance | $75 | -28% | $-38 |
| Millington | Selective Insurance | $53 | -33% | $-37 |
| Millstone Township | Selective Insurance | $57 | -36% | $-46 |
| Milltown | NJM Insurance | $69 | -33% | $-45 |
| Millville | Plymouth Rock Insurance | $67 | -29% | $-39 |
| Milmay | Plymouth Rock Insurance | $67 | -31% | $-42 |
| Mine Hill | Selective Insurance | $56 | -32% | $-37 |
| Minotola | Plymouth Rock Insurance | $68 | -31% | $-43 |
| Mizpah | Plymouth Rock Insurance | $72 | -28% | $-40 |
| Monmouth Beach | Selective Insurance | $57 | -33% | $-39 |
| Monmouth Junction | Plymouth Rock Insurance | $63 | -29% | $-37 |
| Monroe Township | Plymouth Rock Insurance | $68 | -28% | $-37 |
| Monroeville | Selective Insurance | $62 | -31% | $-39 |
| Montague | NJM Insurance | $66 | -29% | $-36 |
| Montclair | Plymouth Rock Insurance | $76 | -25% | $-35 |
| Montvale | Selective Insurance | $56 | -34% | $-41 |
| Montville | Selective Insurance | $56 | -34% | $-40 |
| Moonachie | NJM Insurance | $79 | -36% | $-58 |
| Moorestown-Lenola | Selective Insurance | $57 | -32% | $-39 |
| Morganville | Plymouth Rock Insurance | $68 | -27% | $-36 |
| Morris Plains | Selective Insurance | $56 | -30% | $-34 |
| Morristown | Selective Insurance | $53 | -34% | $-39 |
| Mountain Lakes | Selective Insurance | $53 | -34% | $-38 |
| Mountainside | Selective Insurance | $53 | -38% | $-46 |
| Mount Arlington | Selective Insurance | $56 | -32% | $-37 |
| Mount Ephraim | NJM Insurance | $69 | -30% | $-40 |
| Mount Freedom | Selective Insurance | $53 | -33% | $-37 |
| Mount Holly | Selective Insurance | $57 | -32% | $-39 |
| Mount Royal | Plymouth Rock Insurance | $61 | -29% | $-36 |
| Mount Tabor | Selective Insurance | $53 | -34% | $-38 |
| Mullica Hill | Plymouth Rock Insurance | $61 | -30% | $-37 |
| National Park | Selective Insurance | $62 | -31% | $-39 |
| Neptune | Selective Insurance | $64 | -30% | $-38 |
| Neshanic Station | Selective Insurance | $53 | -34% | $-38 |
| Netcong | Selective Insurance | $56 | -31% | $-36 |
| New Egypt | Selective Insurance | $57 | -33% | $-39 |
| Newfield | Plymouth Rock Insurance | $68 | -31% | $-44 |
| Newfoundland | Selective Insurance | $56 | -34% | $-41 |
| New Gretna | Selective Insurance | $57 | -35% | $-44 |
| New Lisbon | Selective Insurance | $57 | -35% | $-43 |
| New Milford | NJM Insurance | $72 | -36% | $-53 |
| Newport | Plymouth Rock Insurance | $67 | -29% | $-39 |
| New Providence | Selective Insurance | $53 | -36% | $-42 |
| Newton | Selective Insurance | $57 | -29% | $-33 |
| Newtonville | Plymouth Rock Insurance | $72 | -31% | $-44 |
| New Vernon | Selective Insurance | $53 | -33% | $-37 |
| Norma | Selective Insurance | $62 | -34% | $-46 |
| Normandy Beach | Selective Insurance | $47 | -41% | $-46 |
| North Arlington | Plymouth Rock Insurance | $72 | -33% | $-49 |
| North Beach Haven | Selective Insurance | $57 | -31% | $-36 |
| Northfield | Plymouth Rock Insurance | $72 | -31% | $-45 |
| North Haledon | NJM Insurance | $80 | -33% | $-53 |
| Northvale | NJM Insurance | $72 | -31% | $-44 |
| Norwood | NJM Insurance | $72 | -33% | $-48 |
| Nutley | Plymouth Rock Insurance | $72 | -31% | $-45 |
| Oakhurst | Selective Insurance | $57 | -33% | $-40 |
| Oakland | Selective Insurance | $56 | -36% | $-44 |
| Oak Ridge | Selective Insurance | $56 | -31% | $-36 |
| Oak Valley | NJM Insurance | $69 | -30% | $-39 |
| Ocean Acres | Selective Insurance | $57 | -31% | $-36 |
| Ocean City | Selective Insurance | $55 | -36% | $-44 |
| Ocean Gate | NJM Insurance | $72 | -25% | $-32 |
| Ocean Grove | Selective Insurance | $64 | -29% | $-38 |
| Oceanport | Selective Insurance | $57 | -32% | $-38 |
| Ocean View | Selective Insurance | $55 | -35% | $-41 |
| Oceanville | Plymouth Rock Insurance | $72 | -29% | $-42 |
| Ogdensburg | NJM Insurance | $66 | -29% | $-36 |
| Old Bridge | Plymouth Rock Insurance | $68 | -31% | $-42 |
| Oldwick | Selective Insurance | $53 | -36% | $-42 |
| Oradell | NJM Insurance | $72 | -33% | $-46 |
| Orange | Plymouth Rock Insurance | $75 | -44% | $-82 |
| Oxford | Selective Insurance | $57 | -29% | $-33 |
| Palisades Park | NJM Insurance | $79 | -42% | $-75 |
| Palmyra | Selective Insurance | $57 | -35% | $-43 |
| Paramus | NJM Insurance | $72 | -33% | $-48 |
| Park Ridge | Selective Insurance | $56 | -34% | $-41 |
| Parlin | Plymouth Rock Insurance | $68 | -32% | $-44 |
| Paulsboro | Selective Insurance | $62 | -31% | $-40 |
| Peapack | Selective Insurance | $53 | -33% | $-37 |
| Pedricktown | Plymouth Rock Insurance | $61 | -29% | $-35 |
| Pemberton | Selective Insurance | $57 | -34% | $-41 |
| Pennington | Selective Insurance | $53 | -35% | $-40 |
| Pennsauken | NJM Insurance | $69 | -40% | $-61 |
| Pennsville | Plymouth Rock Insurance | $61 | -29% | $-36 |
| Pequannock | Selective Insurance | $56 | -32% | $-38 |
| Phillipsburg | Selective Insurance | $57 | -29% | $-33 |
| Picatinny Arsenal | Selective Insurance | $56 | -32% | $-37 |
| Pine Beach | NJM Insurance | $72 | -25% | $-32 |
| Pine Brook | Selective Insurance | $56 | -34% | $-40 |
| Piscataway | Plymouth Rock Insurance | $61 | -37% | $-50 |
| Pitman | Plymouth Rock Insurance | $61 | -30% | $-38 |
| Pittstown | Selective Insurance | $53 | -32% | $-36 |
| Pleasantville | Plymouth Rock Insurance | $72 | -31% | $-45 |
| Pluckemin | Selective Insurance | $53 | -34% | $-38 |
| Point Pleasant | Selective Insurance | $47 | -41% | $-46 |
| Pomona | Plymouth Rock Insurance | $72 | -25% | $-34 |
| Pompton Lakes | Plymouth Rock Insurance | $65 | -27% | $-33 |
| Pompton Plains | Selective Insurance | $56 | -32% | $-38 |
| Port Elizabeth | Plymouth Rock Insurance | $67 | -30% | $-40 |
| Port Monmouth | Selective Insurance | $57 | -32% | $-38 |
| Port Murray | Selective Insurance | $57 | -29% | $-33 |
| Port Norris | Plymouth Rock Insurance | $67 | -29% | $-39 |
| Port Reading | Plymouth Rock Insurance | $68 | -32% | $-46 |
| Port Republic | Selective Insurance | $57 | -31% | $-36 |
| Pottersville | Selective Insurance | $53 | -32% | $-36 |
| Princeton | Plymouth Rock Insurance | $60 | -30% | $-36 |
| Princeton Junction | Plymouth Rock Insurance | $63 | -26% | $-32 |
| Princeton Meadows | Plymouth Rock Insurance | $63 | -28% | $-35 |
| Quakertown | Selective Insurance | $53 | -32% | $-36 |
| Rahway | Plymouth Rock Insurance | $76 | -36% | $-61 |
| Ramsey | Selective Insurance | $56 | -34% | $-41 |
| Rancocas | Selective Insurance | $57 | -34% | $-41 |
| Randolph | Selective Insurance | $53 | -34% | $-39 |
| Raritan | Selective Insurance | $53 | -36% | $-41 |
| Red Bank | Selective Insurance | $57 | -32% | $-38 |
| Richland | Plymouth Rock Insurance | $72 | -29% | $-42 |
| Ridgefield | NJM Insurance | $79 | -42% | $-75 |
| Ridgefield Park | NJM Insurance | $79 | -36% | $-59 |
| Ridgewood | Selective Insurance | $56 | -36% | $-45 |
| Ringoes | Selective Insurance | $53 | -32% | $-36 |
| Ringwood | Selective Insurance | $56 | -35% | $-43 |
| Rio Grande | Selective Insurance | $54 | -35% | $-41 |
| Riverdale | NJM Insurance | $63 | -28% | $-33 |
| River Edge | NJM Insurance | $72 | -33% | $-48 |
| Riverside | Plymouth Rock Insurance | $62 | -29% | $-36 |
| Riverton | Selective Insurance | $57 | -34% | $-42 |
| Rochelle Park | NJM Insurance | $72 | -37% | $-57 |
| Rockaway | Selective Insurance | $53 | -38% | $-45 |
| Rocky Hill | Plymouth Rock Insurance | $60 | -31% | $-37 |
| Roebling | Selective Insurance | $57 | -34% | $-42 |
| Roosevelt | Selective Insurance | $57 | -34% | $-42 |
| Roseland | NJM Insurance | $71 | -32% | $-43 |
| Roselle | Plymouth Rock Insurance | $76 | -38% | $-67 |
| Roselle Park | NJM Insurance | $75 | -38% | $-59 |
| Rosemont | Selective Insurance | $53 | -32% | $-36 |
| Rumson | Selective Insurance | $57 | -33% | $-39 |
| Runnemede | Plymouth Rock Insurance | $64 | -31% | $-41 |
| Rutherford | Plymouth Rock Insurance | $72 | -32% | $-47 |
| Saddle Brook | Plymouth Rock Insurance | $75 | -31% | $-49 |
| Salem | Plymouth Rock Insurance | $61 | -30% | $-36 |
| Schooleys Mountain | Selective Insurance | $53 | -33% | $-38 |
| Scotch Plains | Selective Insurance | $58 | -39% | $-52 |
| Sea Girt | Selective Insurance | $47 | -41% | $-46 |
| Sea Isle City | Selective Insurance | $55 | -35% | $-41 |
| Seaside Heights | Plymouth Rock Insurance | $58 | -33% | $-41 |
| Seaside Park | Plymouth Rock Insurance | $58 | -33% | $-41 |
| Secaucus | Plymouth Rock Insurance | $69 | -34% | $-51 |
| Sergeantsville | Selective Insurance | $53 | -32% | $-36 |
| Sewaren | Plymouth Rock Insurance | $68 | -32% | $-46 |
| Sewell | Plymouth Rock Insurance | $64 | -30% | $-39 |
| Shiloh | Plymouth Rock Insurance | $67 | -29% | $-39 |
| Short Hills | NJM Insurance | $75 | -28% | $-38 |
| Shrewsbury | Selective Insurance | $57 | -32% | $-38 |
| Sicklerville | Plymouth Rock Insurance | $68 | -32% | $-46 |
| Skillman | Selective Insurance | $53 | -34% | $-39 |
| Somerdale | Plymouth Rock Insurance | $62 | -31% | $-39 |
| Somerset | Plymouth Rock Insurance | $61 | -38% | $-52 |
| Somers Point | Plymouth Rock Insurance | $58 | -42% | $-59 |
| Somerville | Selective Insurance | $53 | -36% | $-41 |
| South Amboy | Plymouth Rock Insurance | $68 | -31% | $-43 |
| South Bound Brook | Plymouth Rock Insurance | $61 | -33% | $-42 |
| South Dennis | Selective Insurance | $55 | -37% | $-46 |
| South Hackensack | NJM Insurance | $79 | -36% | $-59 |
| South Orange | Plymouth Rock Insurance | $75 | -35% | $-58 |
| South Plainfield | Plymouth Rock Insurance | $61 | -38% | $-52 |
| South River | NJM Insurance | $69 | -32% | $-42 |
| South Seaville | Selective Insurance | $55 | -37% | $-45 |
| Sparta | Selective Insurance | $57 | -30% | $-34 |
| Spotswood | NJM Insurance | $69 | -30% | $-39 |
| Springdale | Plymouth Rock Insurance | $62 | -31% | $-40 |
| Springfield | NJM Insurance | $75 | -27% | $-36 |
| Spring Lake Heights | Selective Insurance | $47 | -41% | $-47 |
| Stanhope | Selective Insurance | $56 | -31% | $-36 |
| Stanton | Selective Insurance | $53 | -36% | $-42 |
| Stirling | Selective Insurance | $53 | -33% | $-37 |
| Stockholm | Selective Insurance | $56 | -31% | $-36 |
| Stockton | Selective Insurance | $53 | -32% | $-36 |
| Stone Harbor | Selective Insurance | $55 | -35% | $-41 |
| Stratford | Plymouth Rock Insurance | $62 | -31% | $-39 |
| Strathmere | Selective Insurance | $55 | -36% | $-43 |
| Succasunna | Selective Insurance | $53 | -33% | $-37 |
| Summit | Selective Insurance | $53 | -36% | $-42 |
| Sussex | NJM Insurance | $66 | -29% | $-36 |
| Swartswood | Selective Insurance | $57 | -29% | $-33 |
| Swedesboro | Plymouth Rock Insurance | $61 | -29% | $-35 |
| Tenafly | NJM Insurance | $72 | -34% | $-49 |
| Tennent | NJM Insurance | $70 | -24% | $-30 |
| Teterboro | Plymouth Rock Insurance | $69 | -33% | $-47 |
| Thorofare | Selective Insurance | $62 | -31% | $-39 |
| Three Bridges | Selective Insurance | $53 | -33% | $-37 |
| Titusville | Selective Insurance | $53 | -34% | $-38 |
| Totowa | NJM Insurance | $79 | -29% | $-42 |
| Towaco | Selective Insurance | $56 | -34% | $-41 |
| Township Of Washington | Selective Insurance | $56 | -36% | $-45 |
| Tranquility | Selective Insurance | $57 | -30% | $-34 |
| Tuckahoe | Selective Insurance | $55 | -36% | $-43 |
| Tuckerton | Selective Insurance | $57 | -31% | $-36 |
| Union | Plymouth Rock Insurance | $75 | -38% | $-64 |
| Upper Montclair | Plymouth Rock Insurance | $76 | -25% | $-35 |
| Upper Saddle River | Selective Insurance | $56 | -34% | $-41 |
| Vauxhall | Plymouth Rock Insurance | $75 | -38% | $-64 |
| Ventnor City | Plymouth Rock Insurance | $72 | -31% | $-45 |
| Vernon | NJM Insurance | $66 | -30% | $-38 |
| Vernon Valley | NJM Insurance | $66 | -30% | $-38 |
| Verona | NJM Insurance | $71 | -31% | $-42 |
| Vienna | Selective Insurance | $57 | -30% | $-34 |
| Villas | Selective Insurance | $54 | -36% | $-42 |
| Vincentown | Selective Insurance | $57 | -34% | $-41 |
| Voorhees | Plymouth Rock Insurance | $62 | -32% | $-41 |
| Waldwick | Selective Insurance | $56 | -35% | $-42 |
| Wallington | Plymouth Rock Insurance | $80 | -33% | $-57 |
| Wallpack Center | NJM Insurance | $66 | -26% | $-31 |
| Wanaque | NJM Insurance | $66 | -30% | $-37 |
| Waretown | Selective Insurance | $57 | -32% | $-38 |
| Warren | Selective Insurance | $53 | -36% | $-42 |
| Washington | Selective Insurance | $57 | -29% | $-33 |
| Watchung | Selective Insurance | $58 | -40% | $-55 |
| Waterford Works | Plymouth Rock Insurance | $68 | -31% | $-43 |
| Wayne | NJM Insurance | $71 | -33% | $-45 |
| Weehawken | Plymouth Rock Insurance | $77 | -36% | $-60 |
| West Berlin | NJM Insurance | $69 | -35% | $-48 |
| West Creek | Selective Insurance | $57 | -31% | $-36 |
| Westfield | Selective Insurance | $58 | -37% | $-48 |
| West Long Branch | Selective Insurance | $57 | -32% | $-38 |
| West Milford | Selective Insurance | $56 | -35% | $-42 |
| West Orange | Plymouth Rock Insurance | $75 | -34% | $-54 |
| Westville | NJM Insurance | $69 | -31% | $-41 |
| Westwood | Selective Insurance | $56 | -36% | $-45 |
| Wharton | Selective Insurance | $56 | -32% | $-37 |
| Whippany | Selective Insurance | $56 | -30% | $-34 |
| Whitehouse | Selective Insurance | $53 | -33% | $-37 |
| Whitehouse Station | Selective Insurance | $53 | -33% | $-37 |
| Wickatunk | Plymouth Rock Insurance | $68 | -23% | $-28 |
| Wildwood | Selective Insurance | $54 | -35% | $-41 |
| Williamstown | Plymouth Rock Insurance | $68 | -32% | $-46 |
| Willingboro | Plymouth Rock Insurance | $68 | -33% | $-48 |
| Windsor | Selective Insurance | $57 | -31% | $-36 |
| Winslow | Plymouth Rock Insurance | $68 | -33% | $-47 |
| Woodbine | Selective Insurance | $55 | -38% | $-47 |
| Woodbridge | Plymouth Rock Insurance | $68 | -32% | $-46 |
| Woodbury | NJM Insurance | $69 | -30% | $-39 |
| Woodbury Heights | NJM Insurance | $69 | -30% | $-38 |
| Woodcliff Lake | Selective Insurance | $56 | -35% | $-43 |
| Woodland Park | NJM Insurance | $79 | -29% | $-42 |
| Wood-Ridge | Plymouth Rock Insurance | $69 | -34% | $-51 |
| Woodstown | Selective Insurance | $62 | -30% | $-37 |
| Wrightstown | Selective Insurance | $57 | -32% | $-39 |
| Wyckoff | Selective Insurance | $56 | -35% | $-43 |
| Yardville | Selective Insurance | $57 | -32% | $-38 |
| Zarephath | NJM Insurance | $71 | -31% | $-42 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in New Jersey By Driver Age Group
We analyzed car insurance rates across New Jersey for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can find the lowest rates with GEICO, starting at $98 per month
- Adult drivers get the best deals from Plymouth Rock, with rates from $67 per month
- Senior drivers will find affordable coverage through Selective, starting at $70 per month
Cheapest Car Insurance For Young Drivers in New Jersey
Young drivers in New Jersey get their best rates from GEICO. Minimum coverage costs $98 per month, saving drivers 59% compared to other providers. NJM leads for full coverage at $216 monthly, saving young drivers 48%.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $98 | $1,177 | -59% | $-1,717 |
| NJM Insurance | $135 | $1,614 | -44% | $-1,280 |
| Plymouth Rock Insurance | $158 | $1,894 | -35% | $-1,001 |
| Amica | $176 | $2,116 | -27% | $-778 |
| Selective Insurance | $180 | $2,159 | -25% | $-736 |
Cheapest Car Insurance For Adult Drivers in New Jersey
Plymouth Rock offers New Jersey's lowest rates for adult drivers: $67 monthly for minimum coverage and $121 for full coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Plymouth Rock Insurance | $67 | $806 | -34% | $-409 |
| Selective Insurance | $68 | $814 | -33% | $-400 |
| NJM Insurance | $74 | $890 | -27% | $-325 |
| Geico | $82 | $980 | -19% | $-234 |
| Amica | $84 | $1,006 | -17% | $-208 |
Cheapest Car Insurance For Senior Drivers in New Jersey
Selective offers New Jersey seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,517 annually, while minimum coverage runs $838 per year.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Selective Insurance | $70 | $838 | -44% | $-660 |
| Amica | $83 | $996 | -34% | $-502 |
| Plymouth Rock Insurance | $93 | $1,112 | -26% | $-386 |
| NJM Insurance | $93 | $1,114 | -26% | $-384 |
| Geico | $115 | $1,381 | -8% | $-117 |
Cheapest Car Insurance For High-Risk Drivers in New Jersey
We studied four core areas for profiles insurers consider particularly high-risk in New Jersey including those with bad credit, DUIs, accidents, speeding tickets and texting while driving. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: GEICO (From $85/mo)
- Cheapest With a DUI: Plymouth Rock (From $78/mo)
- Cheapest With an Accident: NJM rance (From $93/mo)
- Cheapest With a Speeding Ticket: Selective (From $70/mo)
Cheapest Car Insurance For Bad Credit in New Jersey
GEICO offers New Jersey drivers with bad credit the most affordable car insurance rates. Annual premiums start at $1,063 for minimum liability coverage and $2,376 for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
Select
Driving Record:Clean
| Geico | $89 | $1,063 | -34% | $-549 |
| Travelers | $101 | $1,209 | -25% | $-403 |
| AIG | $105 | $1,262 | -22% | $-350 |
| Mercury Insurance | $114 | $1,371 | -15% | $-240 |
| Progressive | $117 | $1,408 | -13% | $-204 |
Cheapest Car Insurance With a DUI in New Jersey
Plymouth Rock ranks as the most affordable option for New Jersey drivers with DUIs, offering annual rates of $951. NJM provides the next best value with premiums of $1,080 per year.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Plymouth Rock Insurance | $79 | $951 | -60% | $-1,412 |
| NJM Insurance | $90 | $1,080 | -54% | $-1,283 |
| Geico | $115 | $1,381 | -42% | $-982 |
| Progressive | $125 | $1,500 | -37% | $-863 |
| Selective Insurance | $130 | $1,563 | -34% | $-800 |
Cheapest Car Insurance With an Accident in New Jersey
New Jersey drivers with an accident on their record can find the most affordable coverage through NJM at $80 per month ($959 annually).
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| NJM Insurance | $80 | $959 | -51% | $-988 |
| Plymouth Rock Insurance | $90 | $1,074 | -45% | $-873 |
| Geico | $100 | $1,202 | -38% | $-745 |
| Amica | $101 | $1,207 | -38% | $-740 |
| Selective Insurance | $117 | $1,399 | -28% | $-548 |
Cheapest Car Insurance With an Speeding Ticket
New Jersey drivers with speeding tickets can find the lowest insurance rates with Selective. The provider offers minimum coverage at $814 per year, while full coverage costs $1,478 annually.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Selective Insurance | $68 | $814 | -42% | $-594 |
| Plymouth Rock Insurance | $76 | $914 | -35% | $-494 |
| Geico | $82 | $980 | -30% | $-428 |
| NJM Insurance | $90 | $1,080 | -23% | $-328 |
| Amica | $101 | $1,207 | -14% | $-201 |
Cheapest Car Insurance With a Texting While Driving Violation
Plymouth Rock Insurance offers the most affordable rates for New Jersey drivers with a texting-while-driving violation. Minimum coverage averages about $82 per month, or $982 per year, which is roughly 40% cheaper than the state average.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Plymouth Rock Insurance | $82 | $982 | -40% | $-647 |
| NJM Insurance | $90 | $1,080 | -34% | $-549 |
| Selective Insurance | $92 | $1,106 | -32% | $-522 |
| Geico | $92 | $1,108 | -32% | $-521 |
| Travelers | $135 | $1,623 | 0% | $-6 |
How to Get the Cheapest Car Insurance in New Jersey
Finding the most affordable insurance companies is just one part of getting the best car insurance rates in New Jersey. Here are proven strategies to save the most on auto insurance.
- 1
Understand your policy choices
New Jersey drivers must choose between a Basic Policy and a Standard Policy. The Basic option is the least expensive but offers very limited protection. The Standard Policy costs more but allows higher liability limits and customizable PIP coverage, which most drivers find necessary for adequate protection.
- 2
Meet state minimum requirements
A Basic Policy includes:
- $5,000 property damage liability
- $15,000 Personal Injury Protection (PIP), with up to $250,000 for certain severe injuries
Bodily injury liability is optional under the Basic plan but mandatory with a Standard Policy, starting at 15/30 ($15,000 per person, $30,000 per accident).
- 3
Consider special programs
Low-income drivers may qualify for New Jersey’s Special Automobile Insurance Policy (SAIP), also called the Dollar-a-Day policy. It covers emergency medical treatment after a crash but excludes property damage and liability, making it a last-resort option for those with limited means.
- 4
Compare statewide insurers
Premiums vary widely between dense urban areas like Newark, Jersey City, and Camden, and suburban or rural regions. Always compare quotes from both national carriers and local mutual insurers to find the lowest rate for your ZIP code.
- 5
Bundle policies to save more
Homeowners, renters, and condo owners can unlock additional savings by bundling their auto insurance with property coverage.
- 6
Use discounts strategically
Completing a state-approved defensive driving course can reduce points on your license and lower your premium. Many New Jersey insurers also offer discounts for safe-driving telematics programs, good student performance, or paying your policy in full.
- 7
Last-resort coverage through PAIP
Drivers who are denied coverage in the voluntary market can still obtain required liability protection through the Personal Automobile Insurance Plan (PAIP), the state’s assigned-risk pool.
Risks of Getting the Cheapest Car Insurance in New Jersey
New Jersey requires drivers to carry liability insurance with minimum coverage of 15/30/5, plus $15,000 in Personal Injury Protection (PIP) coverage. As a no-fault state, New Jersey requires PIP to cover your medical expenses regardless of who causes an accident. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In New Jersey, average property damage claims hit $4,800 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
New Jersey gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reported significant weather-related property damage across New Jersey in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, flooding and falling objects that frequently impact the state.
Bodily injury damage is more likely to be higher than the minimum limits
New Jersey's minimum bodily injury coverage of $15,000 per person often isn't enough for serious accidents. Insurance Information Institute data shows average bodily injury claims in New Jersey reached $22,800 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
New Jersey has a low uninsured driver problem, with 3.1% of drivers lacking insurance according to the Insurance Information Institute. While lower than the national average, if an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in New Jersey, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in New Jersey
In New Jersey, drivers must carry auto insurance to legally operate a vehicle. The state uses a choice no-fault system, which means policyholders can select between limited or unlimited rights to sue after an accident. New Jersey offers two types of policies: the Basic Policy, which provides minimal protection, and the Standard Policy, which offers higher limits and more options. Meeting the state’s minimum requirements keeps you legal on the road, but many drivers purchase more coverage for better financial security.
Basic Policy Minimums
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability | Not required (optional $10,000 per accident available) |
Property Damage Liability | $5,000 per accident |
Personal Injury Protection (PIP) | $15,000 per person, per accident (up to $250,000 for certain severe injuries |
Standard Policy Minimums
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $25,000 per accident |
Personal Injury Protection (PIP) | $15,000 per person, per accident (higher limits available) |
Uninsured/Underinsured Motorist | $25,000 per person / $50,000 per accident |
Cheap Car Insurance in New Jersey: Bottom Line
Plymouth Rock Insurance stands out as New Jersey's most affordable car insurance provider across different coverage types and driver profiles. While choosing the lowest-cost option can help you save money, cheapest isn't always best for car insurance. Get as much coverage as you can afford to protect your finances if an accident happens.
Cheap Car Insurance in New Jersey: FAQ
Below we answer common questions about affordable car insurance in New Jersey to help you save money.
What are the cheapest car insurance companies in New Jersey?
Plymouth Rock provides the most affordable car insurance in New Jersey, with average annual rates of $792 for minimum coverage and $1,452 for full coverage. Selective, NJM, Amica and Farmers also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in New Jersey?
GEICO provides the most affordable rates for young drivers in New Jersey, with monthly premiums starting at $98 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in New Jersey?
Senior drivers in New Jersey can find the most competitive rates with Selective, offering policies for those 65 and older at an average of $70 per month for minimum coverage.
Who has the cheapest car insurance in New Jersey for bad credit?
GEICO provides the lowest rates for bad-credit drivers in New Jersey, with monthly premiums averaging $89 for minimum coverage.
Who has the cheapest car insurance in New Jersey with an accident?
NJM offers the most affordable car insurance rates for New Jersey drivers with an accident history, starting at $80 per month for minimum coverage.
Who has the cheapest car insurance in New Jersey with a DUI?
Plymouth Rock provides the cheapest car insurance after a DUI in New Jersey, with rates of $79 monthly for minimum coverage and $144 monthly for full coverage.
Who has the cheapest car insurance in New Jersey for those with a speeding ticket?
New Jersey drivers with a speeding ticket can find the lowest insurance rates with Selective, charging $68 monthly for minimum coverage and $123 for full coverage.
Should you buy the cheapest car insurance in New Jersey?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Plymouth Rock balances low prices with solid coverage options in New Jersey.
How We Found the Most Affordable Car Insurance in New Jersey
MoneyGeek collected auto insurance data from the New Jersey Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in New Jersey.
New Jersey Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in New Jersey
We compared car insurance companies in New Jersey that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in New Jersey.
The minimum coverage liability limits in New Jersey are:
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$15,000 per person for bodily injury
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$30,000 per accident for bodily injury
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$5,000 per accident for property damage
Plus required Personal Injury Protection coverage.
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
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.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed September 13, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed September 13, 2025.
- National Centers for Environmental Information. "Climate at a Glance ." Accessed September 13, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed September 13, 2025.