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 18, 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% |
| Selective Insurance | $70 | $126 | -32% |
| NJM Insurance | $87 | $137 | -22% |
| Amica | $86 | $152 | -17% |
| Farmers | $103 | $142 | -15% |
*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:
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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.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| NJM Insurance | $144 | $1,732 | -56% |
| Geico | $207 | $2,486 | -37% |
| Plymouth Rock Insurance | $268 | $3,222 | -18% |
| Travelers | $288 | $3,456 | -12% |
| Selective Insurance | $289 | $3,465 | -12% |
*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:
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City:Absecon
| Absecon | Plymouth Rock Insurance | $72 | -31% |
*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% |
| NJM Insurance | $135 | $1,614 | -44% |
| Plymouth Rock Insurance | $158 | $1,894 | -35% |
| Amica | $176 | $2,116 | -27% |
| Selective Insurance | $180 | $2,159 | -25% |
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:
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Plymouth Rock Insurance | $67 | $806 | -34% |
| Selective Insurance | $68 | $814 | -33% |
| NJM Insurance | $74 | $890 | -27% |
| Geico | $82 | $980 | -19% |
| Amica | $84 | $1,006 | -17% |
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:
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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
| Selective Insurance | $70 | $838 | -44% |
| Amica | $83 | $996 | -34% |
| Plymouth Rock Insurance | $93 | $1,112 | -26% |
| NJM Insurance | $93 | $1,114 | -26% |
| Geico | $115 | $1,381 | -8% |
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 and speeding tickets. 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
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Driving Record:Clean
| Geico | $89 | $1,063 | -34% |
| Travelers | $101 | $1,209 | -25% |
| AIG | $105 | $1,262 | -22% |
| Mercury Insurance | $114 | $1,371 | -15% |
| Progressive | $117 | $1,408 | -13% |
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:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
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Credit Alignment:Good
| Plymouth Rock Insurance | $79 | $951 | -60% |
| NJM Insurance | $90 | $1,080 | -54% |
| Geico | $115 | $1,381 | -42% |
| Progressive | $125 | $1,500 | -37% |
| Selective Insurance | $130 | $1,563 | -34% |
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% |
| Plymouth Rock Insurance | $90 | $1,074 | -45% |
| Geico | $100 | $1,202 | -38% |
| Amica | $101 | $1,207 | -38% |
| Selective Insurance | $117 | $1,399 | -28% |
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:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Selective Insurance | $68 | $814 | -42% |
| Plymouth Rock Insurance | $76 | $914 | -35% |
| Geico | $82 | $980 | -30% |
| NJM Insurance | $90 | $1,080 | -23% |
| Amica | $101 | $1,207 | -14% |
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
Compare multiple providers through various means
Compare quotes from multiple providers on our list, since our estimates may vary from provider-provided pricing. Your quotes will also vary depending on your method of getting them, such as captive agents, independent agents, comparison sites and provider websites.
- 2
Decide on your coverage needs before buying
Knowing what coverage you need helps you avoid paying for unnecessary add-ons while ensuring adequate financial protection.
- 3
Choose to get a lower coverage amount if appropriate
Depending on how much car insurance you need and what you can afford, lowering your coverage level and deductibles if you want full coverage can save you money. However, evaluate your risk based on your finances, driving habits, where you live and even your vehicle before doing this.
- 4
Research costs and take advantage of discounts
Researching average auto insurance costs for your specific profile gives you a measuring stick for how much you'll be saving. Look also into discounts you qualify for and compare home and auto insurance bundle prices and other policy type combinations to get the best deal.
- 5
Consider auto insurance alternatives
Traditional auto insurance isn't your only option; alternative policies exist. For example, pay-per-mile car insurance charges are based on how much you drive, and telematics insurance tracks driving behaviors to determine your pricing or provide a discount if it's just a separate program. Also, look into your automaker's insurance program if it has one to see if you can get lower rates than with a regular provider.
- 6
Improve your risk profile
Improving your credit and practicing safe driving habits can lead to lower rates overall, making car insurance and other insurance much more affordable.
- 7
Get a cheaper car to insure
If you're in the market, getting an older and cheaper car to insure will save you money on your coverage. Reliable cars also cost less to repair, which lowers your insurance rates.
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.
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:
$15,000 per person for bodily injury
$30,000 per accident for bodily injury
$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 August 20, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed August 20, 2025.
- National Centers for Environmental Information. "Climate at a Glance ." Accessed August 20, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 20, 2025.