The Cheapest Car Insurance in New Jersey (January 2023)

Based on quotes collected for January 2023, GEICO is the cheapest car insurance provider in New Jersey. However, the most affordable option for you may depend on your coverage type, driving background and record.

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GEICO offers the cheapest minimum coverage policy as well as the cheapest policy for teens, drivers with a ticket and those with a sports car. Plymouth Rock offers the most affordable full coverage policy, as well as the cheapest policy for drivers in their 20s, drivers with a DUI and those with military backgrounds.

NJM has the lowest rates for seniors and drivers with an accident on their record, whereas Amica Mutual is ideal for drivers with poor credit.

The best auto insurance providers in New Jersey balance cost and customer service quality.

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2023

Cheapest Car Insurance New Jersey (January 2023)

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Methodology

Why Trust MoneyGeek? We evaluated New Jersey car insurance rates based on data and information from the New Jersey Department of Insurance and Quadrant Information Services.

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These rates were updated in January 2023 to reflect the cheapest car insurance quotes in New Jersey up to this month.

25,584

Quotes Analyzed

 
12

Companies Compared

 
53

ZIP Codes

Cheapest Minimum Liability Car Insurance in New Jersey (January 2023)

The following carriers offer the cheapest average auto insurance premiums, according to the state minimum requirements:

  • GEICO: $428 per year
  • Amica Mutual: $434 per year

MoneyGeek’s research revealed that Hanover is the priciest provider in New Jersey, with its minimum coverage policy costing roughly $1,716 per year.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $420
    $35
  • Amica Mutual
    $422
    $35
  • GEICO
    $428
    $36
  • Amica Mutual
    $434
    $36
  • NJM
    $442
    $37
  • Amica Mutual
    $460
    $38
  • Plymouth Rock Assurance
    $464
    $39
  • Plymouth Rock Assurance
    $479
    $40
  • GEICO
    $485
    $40
  • Plymouth Rock Assurance
    $491
    $41
  • NJM
    $503
    $42
  • NJM
    $605
    $50
  • Travelers
    $691
    $58
  • Allstate
    $692
    $58
  • Allstate
    $702
    $59
  • Progressive
    $714
    $60
  • Travelers
    $722
    $60
  • Allstate
    $763
    $64
  • State Farm
    $769
    $64
  • Travelers
    $786
    $66
  • NJM
    $798
    $66
  • State Farm
    $805
    $67
  • Progressive
    $823
    $69
  • Plymouth Rock Assurance
    $889
    $74
  • Plymouth Rock Assurance
    $895
    $75
  • NJM
    $911
    $76
  • GEICO
    $923
    $77
  • GEICO
    $928
    $77
  • Amica Mutual
    $963
    $80
  • Plymouth Rock Assurance
    $965
    $80
  • Mercury
    $968
    $81
  • Mercury
    $973
    $81
  • Mercury
    $977
    $81
  • State Farm
    $979
    $82
  • Progressive
    $1,000
    $83
  • New Jersey Skylands Insurance
    $1,017
    $85
  • Amica Mutual
    $1,020
    $85
  • New Jersey Skylands Insurance
    $1,034
    $86
  • New Jersey Skylands Insurance
    $1,038
    $87
  • GEICO
    $1,113
    $93
  • Amica Mutual
    $1,113
    $93
  • Foremost
    $1,158
    $96
  • Foremost
    $1,161
    $97
  • NJM
    $1,163
    $97
  • Travelers
    $1,222
    $102
  • Allstate
    $1,228
    $102
  • Allstate
    $1,257
    $105
  • State Farm
    $1,264
    $105
  • Travelers
    $1,269
    $106
  • Progressive
    $1,283
    $107
  • Travelers
    $1,293
    $108
  • State Farm
    $1,299
    $108
  • Foremost
    $1,301
    $108
  • Progressive
    $1,354
    $113
  • Allstate
    $1,419
    $118
  • Progressive
    $1,449
    $121
  • Mercury
    $1,523
    $127
  • Mercury
    $1,557
    $130
  • State Farm
    $1,600
    $133
  • Mercury
    $1,656
    $138
  • Hanover
    $1,699
    $142
  • Hanover
    $1,716
    $143
  • New Jersey Skylands Insurance
    $1,789
    $149
  • New Jersey Skylands Insurance
    $1,804
    $150
  • New Jersey Skylands Insurance
    $1,925
    $160
  • Hanover
    $1,990
    $166
  • Foremost
    $2,131
    $178
  • Foremost
    $2,193
    $183
  • Foremost
    $2,548
    $212
  • Hanover
    $3,226
    $269
  • Hanover
    $3,434
    $286
  • Hanover
    $4,043
    $337

With minimum coverage, you are protected against damages or injuries you inflict on others. Damage to your own vehicle, however, isn’t included. Full coverage, also known as comprehensive and collision insurance, can cover the cost to repair your car.

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Cheapest Full Coverage Car Insurance in New Jersey (January 2023)

On average, auto insurance companies with the cheapest full coverage rates are the following:

  • Plymouth Rock: $895 per year
  • NJM: $911 per year

Hanover provides the most expensive full coverage quotes in the Garden State at $3,434 each year.

Purchasing comprehensive and collision insurance is typically more expensive. In comparison to GEICO’s minimum coverage at $428 per year, a full coverage policy costs $500 more at $928 per year.

Although full coverage is usually the more expensive option, it provides robust protection. Damages to your vehicle from collisions or flooding are covered with a full coverage policy.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $420
    $35
  • Amica Mutual
    $422
    $35
  • GEICO
    $428
    $36
  • Amica Mutual
    $434
    $36
  • NJM
    $442
    $37
  • Amica Mutual
    $460
    $38
  • Plymouth Rock Assurance
    $464
    $39
  • Plymouth Rock Assurance
    $479
    $40
  • GEICO
    $485
    $40
  • Plymouth Rock Assurance
    $491
    $41
  • NJM
    $503
    $42
  • NJM
    $605
    $50
  • Travelers
    $691
    $58
  • Allstate
    $692
    $58
  • Allstate
    $702
    $59
  • Progressive
    $714
    $60
  • Travelers
    $722
    $60
  • Allstate
    $763
    $64
  • State Farm
    $769
    $64
  • Travelers
    $786
    $66
  • NJM
    $798
    $66
  • State Farm
    $805
    $67
  • Progressive
    $823
    $69
  • Plymouth Rock Assurance
    $889
    $74
  • Plymouth Rock Assurance
    $895
    $75
  • NJM
    $911
    $76
  • GEICO
    $923
    $77
  • GEICO
    $928
    $77
  • Amica Mutual
    $963
    $80
  • Plymouth Rock Assurance
    $965
    $80
  • Mercury
    $968
    $81
  • Mercury
    $973
    $81
  • Mercury
    $977
    $81
  • State Farm
    $979
    $82
  • Progressive
    $1,000
    $83
  • New Jersey Skylands Insurance
    $1,017
    $85
  • Amica Mutual
    $1,020
    $85
  • New Jersey Skylands Insurance
    $1,034
    $86
  • New Jersey Skylands Insurance
    $1,038
    $87
  • GEICO
    $1,113
    $93
  • Amica Mutual
    $1,113
    $93
  • Foremost
    $1,158
    $96
  • Foremost
    $1,161
    $97
  • NJM
    $1,163
    $97
  • Travelers
    $1,222
    $102
  • Allstate
    $1,228
    $102
  • Allstate
    $1,257
    $105
  • State Farm
    $1,264
    $105
  • Travelers
    $1,269
    $106
  • Progressive
    $1,283
    $107
  • Travelers
    $1,293
    $108
  • State Farm
    $1,299
    $108
  • Foremost
    $1,301
    $108
  • Progressive
    $1,354
    $113
  • Allstate
    $1,419
    $118
  • Progressive
    $1,449
    $121
  • Mercury
    $1,523
    $127
  • Mercury
    $1,557
    $130
  • State Farm
    $1,600
    $133
  • Mercury
    $1,656
    $138
  • Hanover
    $1,699
    $142
  • Hanover
    $1,716
    $143
  • New Jersey Skylands Insurance
    $1,789
    $149
  • New Jersey Skylands Insurance
    $1,804
    $150
  • New Jersey Skylands Insurance
    $1,925
    $160
  • Hanover
    $1,990
    $166
  • Foremost
    $2,131
    $178
  • Foremost
    $2,193
    $183
  • Foremost
    $2,548
    $212
  • Hanover
    $3,226
    $269
  • Hanover
    $3,434
    $286
  • Hanover
    $4,043
    $337

The amount of car insurance you need significantly affects the cost of your annual premium. MoneyGeek obtained quotes from insurers using a sample full coverage policy with the following liability limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident

Drivers in New Jersey who want to reduce their overall cost and select a lower liability limit, drop comprehensive and collision coverage or increase their deductible. Note that these cost-saving practices may be riskier if you find yourself in an accident.

How to Compare Cheap New Jersey Car Insurance Quotes Online

Although many insurance providers have online quote tools, it may take up to 15 minutes to input all the required personal information. When you’re comparing rates for multiple insurers, this process can take time.

MoneyGeek’s auto insurance calculator only requires a few personal details to quickly generate your estimated auto insurance quote. Simply input your driving record, gender and age to receive a personalized quote. Our tool serves as a starting point for New Jersey drivers looking for the cheapest auto insurance rates.

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GEICO

Cheapest Car Insurance in New Jersey for Teens and Their Families (January 2023)

These auto insurance companies provide the most affordable policies for teens on their family policy:

  • GEICO: $2,059 per year for male teens and $1,919 per year for female teens
  • Travelers: $2,743 per year for male teens and $2,469 per year for female teens

Foremost has the priciest quotes for teens, costing $4,635 per year for a female teen and $5,186 per year for a male teen. Both rates are for a 16-year-old on their parent’s policy.

With teens' car insurance rates decreasing with age, 19-year-old drivers can expect to get the lowest rates. New Jersey's cheapest provider for 19-year-old males is Travelers ($1,877).

Adding a teen to your family’s policy is significantly less expensive than purchasing an individual policy for them. For instance, by adding your son to your family plan instead of purchasing an individual policy, you could save an average of $2,000 per year.

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  • Company
    Family Plan Annual Premium
    Individual Plan Annual Premium
  • GEICO
    $904
    $1,261
  • GEICO
    $946
    $1,319
  • GEICO
    $979
    $1,366
  • State Farm
    $1,029
    $1,581
  • GEICO
    $1,111
    $1,550
  • State Farm
    $1,143
    $1,756
  • GEICO
    $1,149
    $1,196
  • Travelers
    $1,179
    $1,395
  • Travelers
    $1,208
    $1,408
  • State Farm
    $1,255
    $1,929
  • Travelers
    $1,293
    $1,507
  • Travelers
    $1,298
    $1,535
  • GEICO
    $1,319
    $1,600
  • Travelers
    $1,321
    $1,539
  • GEICO
    $1,322
    $1,375
  • Travelers
    $1,343
    $1,756
  • GEICO
    $1,359
    $1,415
  • Travelers
    $1,370
    $1,621
  • State Farm
    $1,377
    $2,116
  • Travelers
    $1,388
    $1,617
  • Travelers
    $1,403
    $1,894
  • Progressive
    $1,439
    $1,314
  • Travelers
    $1,471
    $1,740
  • Travelers
    $1,550
    $2,858
  • GEICO
    $1,557
    $1,675
  • Allstate
    $1,558
    $1,485
  • GEICO
    $1,580
    $1,644
  • GEICO
    $1,581
    $1,919
  • Travelers
    $1,589
    $2,076
  • Progressive
    $1,589
    $1,429
  • Allstate
    $1,589
    $1,494
  • Progressive
    $1,599
    $2,101
  • Travelers
    $1,614
    $3,112
  • Allstate
    $1,616
    $1,877
  • Progressive
    $1,622
    $2,149
  • Travelers
    $1,646
    $2,221
  • State Farm
    $1,668
    $1,721
  • Progressive
    $1,690
    $1,543
  • GEICO
    $1,739
    $1,870
  • GEICO
    $1,764
    $2,141
  • Allstate
    $1,775
    $2,080
  • Allstate
    $1,777
    $1,670
  • Progressive
    $1,790
    $1,610
  • Allstate
    $1,817
    $1,708
  • Travelers
    $1,836
    $2,400
  • Progressive
    $1,859
    $1,697
  • Travelers
    $1,877
    $2,532
  • Allstate
    $1,903
    $1,789
  • Travelers
    $1,904
    $3,510
  • GEICO
    $1,919
    $2,264
  • GEICO
    $1,919
    $2,264
  • GEICO
    $1,919
    $2,264
  • Progressive
    $1,928
    $1,735
  • Allstate
    $1,930
    $1,839
  • Progressive
    $1,940
    $2,549
  • State Farm
    $1,941
    $2,210
  • Allstate
    $1,967
    $1,875
  • GEICO
    $1,968
    $2,116
  • State Farm
    $2,000
    $2,063
  • GEICO
    $2,055
    $2,183
  • GEICO
    $2,059
    $2,187
  • GEICO
    $2,059
    $2,187
  • Travelers
    $2,062
    $3,976
  • Progressive
    $2,070
    $2,743
  • Allstate
    $2,075
    $1,978
  • Progressive
    $2,114
    $1,930
  • Allstate
    $2,152
    $2,500
  • Progressive
    $2,157
    $2,834
  • State Farm
    $2,158
    $2,457
  • Progressive
    $2,196
    $1,976
  • State Farm
    $2,225
    $2,296
  • State Farm
    $2,267
    $2,580
  • Progressive
    $2,286
    $7,305
  • Progressive
    $2,323
    $3,077
  • Allstate
    $2,423
    $2,839
  • Travelers
    $2,469
    $4,551
  • Progressive
    $2,480
    $7,865
  • State Farm
    $2,500
    $2,579
  • Allstate
    $2,547
    $2,959
  • State Farm
    $2,557
    $2,731
  • Travelers
    $2,743
    $5,288
  • State Farm
    $2,834
    $3,354
  • Allstate
    $2,863
    $3,292
  • State Farm
    $2,867
    $3,063
  • Allstate
    $2,874
    $3,368
  • State Farm
    $2,879
    $3,408
  • State Farm
    $2,911
    $3,445
  • Allstate
    $3,052
    $3,509
  • State Farm
    $3,082
    $3,293
  • Foremost
    $3,119
    $6,452
  • Foremost
    $3,141
    $2,944
  • Foremost
    $3,202
    $2,655
  • Foremost
    $3,227
    $2,688
  • Allstate
    $3,239
    $3,742
  • Foremost
    $3,266
    $2,708
  • Foremost
    $3,276
    $2,716
  • Foremost
    $3,315
    $6,856
  • Progressive
    $3,392
    $10,839
  • Foremost
    $3,396
    $2,816
  • Progressive
    $3,419
    $10,925
  • Foremost
    $3,431
    $2,858
  • Foremost
    $3,449
    $3,248
  • Allstate
    $3,460
    $3,998
  • Foremost
    $3,497
    $2,913
  • Foremost
    $3,502
    $7,251
  • Foremost
    $3,658
    $3,047
  • Progressive
    $3,674
    $11,650
  • Foremost
    $3,709
    $7,680
  • Progressive
    $3,712
    $11,774
  • Allstate
    $3,802
    $4,372
  • Foremost
    $4,000
    $3,749
  • State Farm
    $4,057
    $4,292
  • State Farm
    $4,091
    $4,328
  • State Farm
    $4,187
    $4,430
  • Foremost
    $4,324
    $4,053
  • Allstate
    $4,380
    $5,061
  • Foremost
    $4,628
    $4,359
  • Foremost
    $4,635
    $9,587
  • Foremost
    $4,899
    $4,614
  • Foremost
    $5,186
    $10,739
tip icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

To reduce your car insurance rate as a young driver, you can opt for an insurer that offers discounts. Companies like Allstate, Progressive, State Farm and Travelers provide discounts for students who live away from home. These insurers, in addition to GEICO, also offer good student discounts.

Cheapest Car Insurance in New Jersey for Young Adults (January 2023)

Auto insurance companies that provide the cheapest full coverage rates for New Jerseyans in their 20s are:

  • Plymouth Rock: $965 per year
  • GEICO: $1,113 per year

With policies that cost $4,043 annually, Hanover offers the most expensive policies for full coverage in the Garden State.

Drivers in their 20s typically pay higher premiums compared with middle-aged drivers. MoneyGeek’s research found that young drivers might pay roughly $70 more for the cheapest coverage.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $420
    $35
  • Amica Mutual
    $422
    $35
  • GEICO
    $428
    $36
  • Amica Mutual
    $434
    $36
  • NJM
    $442
    $37
  • Amica Mutual
    $460
    $38
  • Plymouth Rock Assurance
    $464
    $39
  • Plymouth Rock Assurance
    $479
    $40
  • GEICO
    $485
    $40
  • Plymouth Rock Assurance
    $491
    $41
  • NJM
    $503
    $42
  • NJM
    $605
    $50
  • Travelers
    $691
    $58
  • Allstate
    $692
    $58
  • Allstate
    $702
    $59
  • Progressive
    $714
    $60
  • Travelers
    $722
    $60
  • Allstate
    $763
    $64
  • State Farm
    $769
    $64
  • Travelers
    $786
    $66
  • NJM
    $798
    $66
  • State Farm
    $805
    $67
  • Progressive
    $823
    $69
  • Plymouth Rock Assurance
    $889
    $74
  • Plymouth Rock Assurance
    $895
    $75
  • NJM
    $911
    $76
  • GEICO
    $923
    $77
  • GEICO
    $928
    $77
  • Amica Mutual
    $963
    $80
  • Plymouth Rock Assurance
    $965
    $80
  • Mercury
    $968
    $81
  • Mercury
    $973
    $81
  • Mercury
    $977
    $81
  • State Farm
    $979
    $82
  • Progressive
    $1,000
    $83
  • New Jersey Skylands Insurance
    $1,017
    $85
  • Amica Mutual
    $1,020
    $85
  • New Jersey Skylands Insurance
    $1,034
    $86
  • New Jersey Skylands Insurance
    $1,038
    $87
  • GEICO
    $1,113
    $93
  • Amica Mutual
    $1,113
    $93
  • Foremost
    $1,158
    $96
  • Foremost
    $1,161
    $97
  • NJM
    $1,163
    $97
  • Travelers
    $1,222
    $102
  • Allstate
    $1,228
    $102
  • Allstate
    $1,257
    $105
  • State Farm
    $1,264
    $105
  • Travelers
    $1,269
    $106
  • Progressive
    $1,283
    $107
  • Travelers
    $1,293
    $108
  • State Farm
    $1,299
    $108
  • Foremost
    $1,301
    $108
  • Progressive
    $1,354
    $113
  • Allstate
    $1,419
    $118
  • Progressive
    $1,449
    $121
  • Mercury
    $1,523
    $127
  • Mercury
    $1,557
    $130
  • State Farm
    $1,600
    $133
  • Mercury
    $1,656
    $138
  • Hanover
    $1,699
    $142
  • Hanover
    $1,716
    $143
  • New Jersey Skylands Insurance
    $1,789
    $149
  • New Jersey Skylands Insurance
    $1,804
    $150
  • New Jersey Skylands Insurance
    $1,925
    $160
  • Hanover
    $1,990
    $166
  • Foremost
    $2,131
    $178
  • Foremost
    $2,193
    $183
  • Foremost
    $2,548
    $212
  • Hanover
    $3,226
    $269
  • Hanover
    $3,434
    $286
  • Hanover
    $4,043
    $337

Cheapest Car Insurance in New Jersey for Seniors (January 2023)

Senior drivers in New Jersey may obtain the cheapest full coverage policies from the following insurers:

  • NJM: $798 per year
  • Plymouth Rock: $889 per year

Hanover offers the most expensive premiums, costing an average of $3,226 per year.

Auto insurance premiums tend to be more expensive for drivers in their 70s and 80s. Compared with senior drivers, middle-aged drivers in the state pay $97 more per year.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $420
    $35
  • Amica Mutual
    $422
    $35
  • GEICO
    $428
    $36
  • Amica Mutual
    $434
    $36
  • NJM
    $442
    $37
  • Amica Mutual
    $460
    $38
  • Plymouth Rock Assurance
    $464
    $39
  • Plymouth Rock Assurance
    $479
    $40
  • GEICO
    $485
    $40
  • Plymouth Rock Assurance
    $491
    $41
  • NJM
    $503
    $42
  • NJM
    $605
    $50
  • Travelers
    $691
    $58
  • Allstate
    $692
    $58
  • Allstate
    $702
    $59
  • Progressive
    $714
    $60
  • Travelers
    $722
    $60
  • Allstate
    $763
    $64
  • State Farm
    $769
    $64
  • Travelers
    $786
    $66
  • NJM
    $798
    $66
  • State Farm
    $805
    $67
  • Progressive
    $823
    $69
  • Plymouth Rock Assurance
    $889
    $74
  • Plymouth Rock Assurance
    $895
    $75
  • NJM
    $911
    $76
  • GEICO
    $923
    $77
  • GEICO
    $928
    $77
  • Amica Mutual
    $963
    $80
  • Plymouth Rock Assurance
    $965
    $80
  • Mercury
    $968
    $81
  • Mercury
    $973
    $81
  • Mercury
    $977
    $81
  • State Farm
    $979
    $82
  • Progressive
    $1,000
    $83
  • New Jersey Skylands Insurance
    $1,017
    $85
  • Amica Mutual
    $1,020
    $85
  • New Jersey Skylands Insurance
    $1,034
    $86
  • New Jersey Skylands Insurance
    $1,038
    $87
  • GEICO
    $1,113
    $93
  • Amica Mutual
    $1,113
    $93
  • Foremost
    $1,158
    $96
  • Foremost
    $1,161
    $97
  • NJM
    $1,163
    $97
  • Travelers
    $1,222
    $102
  • Allstate
    $1,228
    $102
  • Allstate
    $1,257
    $105
  • State Farm
    $1,264
    $105
  • Travelers
    $1,269
    $106
  • Progressive
    $1,283
    $107
  • Travelers
    $1,293
    $108
  • State Farm
    $1,299
    $108
  • Foremost
    $1,301
    $108
  • Progressive
    $1,354
    $113
  • Allstate
    $1,419
    $118
  • Progressive
    $1,449
    $121
  • Mercury
    $1,523
    $127
  • Mercury
    $1,557
    $130
  • State Farm
    $1,600
    $133
  • Mercury
    $1,656
    $138
  • Hanover
    $1,699
    $142
  • Hanover
    $1,716
    $143
  • New Jersey Skylands Insurance
    $1,789
    $149
  • New Jersey Skylands Insurance
    $1,804
    $150
  • New Jersey Skylands Insurance
    $1,925
    $160
  • Hanover
    $1,990
    $166
  • Foremost
    $2,131
    $178
  • Foremost
    $2,193
    $183
  • Foremost
    $2,548
    $212
  • Hanover
    $3,226
    $269
  • Hanover
    $3,434
    $286
  • Hanover
    $4,043
    $337

Senior drivers in New Jersey might be able to obtain a discount with providers like Allstate, GEICO, NJM and Mercury. Weighing different insurer preferences is one way to choose the cheapest provider.

Cheapest Car Insurance in New Jersey After a Ticket, Accident or DUI (January 2023)

Drivers with a violation on their record usually pay more for auto insurance. In New Jersey, drivers with a speeding ticket, at-fault accident or DUI on their driving record will get the cheapest insurance from GEICO, NJM and Plymouth Rock, respectively.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: GEICO ($937 per year)
Cheapest after an accident: NJM ($938 per year)
Cheapest after a DUI: Plymouth Rock ($1,011 per year)

Cheapest Car Insurance in New Jersey After a Ticket

For drivers in New Jersey with a speeding ticket, the following companies offer the most affordable policies:

  • GEICO: $937 per year
  • Plymouth Rock: $1,011 per year

Hanover offers the highest annual premium at $3,434 per year.

Our research shows that drivers in New Jersey with a speeding ticket will pay an average of $136 more for car insurance than those with a clean driving history.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $420
    $35
  • GEICO
    $428
    $36
  • Amica Mutual
    $450
    $38
  • GEICO
    $485
    $40
  • Amica Mutual
    $499
    $42
  • NJM
    $501
    $42
  • Amica Mutual
    $519
    $43
  • Plymouth Rock Assurance
    $521
    $43
  • Plymouth Rock Assurance
    $523
    $44
  • Plymouth Rock Assurance
    $554
    $46
  • NJM
    $589
    $49
  • NJM
    $692
    $58
  • State Farm
    $769
    $64
  • State Farm
    $815
    $68
  • Progressive
    $821
    $68
  • Allstate
    $851
    $71
  • Allstate
    $851
    $71
  • Progressive
    $866
    $72
  • NJM
    $906
    $75
  • GEICO
    $923
    $77
  • Travelers
    $925
    $77
  • Allstate
    $929
    $77
  • GEICO
    $937
    $78
  • Mercury
    $968
    $81
  • Mercury
    $968
    $81
  • Mercury
    $973
    $81
  • State Farm
    $979
    $82
  • Travelers
    $1,007
    $84
  • Plymouth Rock Assurance
    $1,011
    $84
  • Plymouth Rock Assurance
    $1,017
    $85
  • Progressive
    $1,055
    $88
  • NJM
    $1,071
    $89
  • Amica Mutual
    $1,084
    $90
  • Plymouth Rock Assurance
    $1,111
    $93
  • GEICO
    $1,113
    $93
  • Travelers
    $1,181
    $98
  • New Jersey Skylands Insurance
    $1,220
    $102
  • New Jersey Skylands Insurance
    $1,241
    $103
  • Amica Mutual
    $1,243
    $104
  • New Jersey Skylands Insurance
    $1,246
    $104
  • Foremost
    $1,253
    $104
  • Foremost
    $1,256
    $105
  • State Farm
    $1,264
    $105
  • Amica Mutual
    $1,282
    $107
  • State Farm
    $1,316
    $110
  • NJM
    $1,335
    $111
  • Foremost
    $1,402
    $117
  • Progressive
    $1,431
    $119
  • Allstate
    $1,490
    $124
  • Mercury
    $1,523
    $127
  • Allstate
    $1,538
    $128
  • Mercury
    $1,540
    $128
  • State Farm
    $1,600
    $133
  • Progressive
    $1,609
    $134
  • Mercury
    $1,656
    $138
  • Hanover
    $1,699
    $142
  • Hanover
    $1,716
    $143
  • Allstate
    $1,722
    $144
  • Travelers
    $1,777
    $148
  • Travelers
    $1,778
    $148
  • Progressive
    $1,806
    $150
  • Travelers
    $1,980
    $165
  • Hanover
    $1,990
    $166
  • New Jersey Skylands Insurance
    $2,196
    $183
  • New Jersey Skylands Insurance
    $2,215
    $185
  • Foremost
    $2,365
    $197
  • New Jersey Skylands Insurance
    $2,379
    $198
  • Foremost
    $2,428
    $202
  • Foremost
    $2,800
    $233
  • Hanover
    $3,226
    $269
  • Hanover
    $3,434
    $286
  • Hanover
    $4,043
    $337

Cheapest Car Insurance in New Jersey After an Accident

The following auto insurance companies offer the cheapest rates to drivers after an at-fault accident:

  • NJM: $938 per year
  • Amica Mutual: $1,084 per year

The most expensive provider is Hanover with policies that start at $4,885 per year.

New Jersey auto insurance quotes can be $661 more expensive for drivers who are found at fault following an accident.

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  • Company
    Annual Premium
    Monthly Premium
  • NJM
    $442
    $37
  • Amica Mutual
    $450
    $38
  • Amica Mutual
    $499
    $42
  • NJM
    $517
    $43
  • Amica Mutual
    $519
    $43
  • Plymouth Rock Assurance
    $588
    $49
  • Plymouth Rock Assurance
    $591
    $49
  • GEICO
    $592
    $49
  • NJM
    $605
    $50
  • GEICO
    $606
    $51
  • Plymouth Rock Assurance
    $629
    $52
  • GEICO
    $660
    $55
  • NJM
    $798
    $66
  • NJM
    $938
    $78
  • Amica Mutual
    $1,084
    $90
  • Progressive
    $1,127
    $94
  • Allstate
    $1,143
    $95
  • Allstate
    $1,145
    $95
  • Travelers
    $1,148
    $96
  • Plymouth Rock Assurance
    $1,160
    $97
  • NJM
    $1,163
    $97
  • Plymouth Rock Assurance
    $1,166
    $97
  • Progressive
    $1,173
    $98
  • New Jersey Skylands Insurance
    $1,220
    $102
  • New Jersey Skylands Insurance
    $1,241
    $103
  • Amica Mutual
    $1,243
    $104
  • New Jersey Skylands Insurance
    $1,246
    $104
  • State Farm
    $1,254
    $104
  • Allstate
    $1,254
    $105
  • Travelers
    $1,267
    $106
  • Plymouth Rock Assurance
    $1,281
    $107
  • Amica Mutual
    $1,282
    $107
  • GEICO
    $1,329
    $111
  • State Farm
    $1,332
    $111
  • GEICO
    $1,361
    $113
  • Travelers
    $1,489
    $124
  • Progressive
    $1,504
    $125
  • GEICO
    $1,530
    $128
  • State Farm
    $1,611
    $134
  • Mercury
    $1,620
    $135
  • Mercury
    $1,628
    $136
  • Progressive
    $1,968
    $164
  • Mercury
    $2,002
    $167
  • Allstate
    $2,029
    $169
  • Travelers
    $2,061
    $172
  • State Farm
    $2,070
    $173
  • Allstate
    $2,087
    $174
  • Travelers
    $2,088
    $174
  • State Farm
    $2,157
    $180
  • Progressive
    $2,165
    $180
  • New Jersey Skylands Insurance
    $2,196
    $183
  • New Jersey Skylands Insurance
    $2,215
    $185
  • Travelers
    $2,344
    $195
  • Allstate
    $2,351
    $196
  • New Jersey Skylands Insurance
    $2,379
    $198
  • Hanover
    $2,461
    $205
  • Hanover
    $2,473
    $206
  • Foremost
    $2,489
    $207
  • Progressive
    $2,528
    $211
  • Foremost
    $2,571
    $214
  • State Farm
    $2,644
    $220
  • Foremost
    $2,673
    $223
  • Mercury
    $2,673
    $223
  • Hanover
    $2,765
    $230
  • Mercury
    $2,814
    $234
  • Mercury
    $3,240
    $270
  • Hanover
    $4,701
    $392
  • Foremost
    $4,839
    $403
  • Hanover
    $4,885
    $407
  • Foremost
    $4,942
    $412
  • Foremost
    $5,312
    $443
  • Hanover
    $5,607
    $467

Cheapest Car Insurance in New Jersey After a DUI

Those with a DUI on their record may get the cheapest policies from the following providers:

  • Plymouth Rock: $1,011 per year
  • NJM: $1,071 per year

Hanover offers the most expensive estimates for drivers with DUI — a policy can cost roughly $5,422 annually.

Drivers in New Jersey with a DUI will pay approximately $919 more per year than those with a clean driving record.

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  • Company
    Annual Premium
    Monthly Premium
  • NJM
    $501
    $42
  • Plymouth Rock Assurance
    $521
    $43
  • Plymouth Rock Assurance
    $523
    $44
  • Plymouth Rock Assurance
    $554
    $46
  • NJM
    $589
    $49
  • NJM
    $692
    $58
  • Progressive
    $794
    $66
  • Progressive
    $836
    $70
  • GEICO
    $844
    $70
  • GEICO
    $893
    $74
  • NJM
    $906
    $75
  • GEICO
    $927
    $77
  • Amica Mutual
    $966
    $80
  • Plymouth Rock Assurance
    $1,011
    $84
  • Allstate
    $1,012
    $84
  • Allstate
    $1,016
    $85
  • Plymouth Rock Assurance
    $1,017
    $85
  • Progressive
    $1,017
    $85
  • Amica Mutual
    $1,034
    $86
  • Travelers
    $1,069
    $89
  • NJM
    $1,071
    $89
  • Allstate
    $1,110
    $92
  • Plymouth Rock Assurance
    $1,111
    $93
  • Travelers
    $1,169
    $97
  • Amica Mutual
    $1,181
    $98
  • NJM
    $1,335
    $111
  • Mercury
    $1,347
    $112
  • Progressive
    $1,347
    $112
  • Mercury
    $1,358
    $113
  • Foremost
    $1,358
    $113
  • Foremost
    $1,360
    $113
  • Travelers
    $1,370
    $114
  • Mercury
    $1,464
    $122
  • Foremost
    $1,505
    $125
  • Progressive
    $1,521
    $127
  • Progressive
    $1,704
    $142
  • Allstate
    $1,765
    $147
  • Allstate
    $1,814
    $151
  • GEICO
    $1,933
    $161
  • Travelers
    $1,993
    $166
  • Travelers
    $2,004
    $167
  • GEICO
    $2,034
    $170
  • Allstate
    $2,039
    $170
  • GEICO
    $2,171
    $181
  • Travelers
    $2,240
    $187
  • New Jersey Skylands Insurance
    $2,248
    $187
  • Mercury
    $2,250
    $187
  • New Jersey Skylands Insurance
    $2,294
    $191
  • New Jersey Skylands Insurance
    $2,304
    $192
  • Mercury
    $2,391
    $199
  • Mercury
    $2,417
    $201
  • Amica Mutual
    $2,582
    $215
  • Foremost
    $2,706
    $226
  • Hanover
    $2,760
    $230
  • Foremost
    $2,765
    $230
  • Amica Mutual
    $2,779
    $232
  • Hanover
    $2,784
    $232
  • State Farm
    $2,957
    $246
  • Hanover
    $3,103
    $259
  • Foremost
    $3,140
    $262
  • State Farm
    $3,147
    $262
  • Amica Mutual
    $3,223
    $269
  • State Farm
    $3,835
    $320
  • New Jersey Skylands Insurance
    $4,121
    $343
  • New Jersey Skylands Insurance
    $4,158
    $346
  • New Jersey Skylands Insurance
    $4,499
    $375
  • State Farm
    $4,900
    $408
  • State Farm
    $5,114
    $426
  • Hanover
    $5,237
    $436
  • Hanover
    $5,422
    $452
  • Hanover
    $6,212
    $518
  • State Farm
    $6,308
    $526

Cheapest Car Insurance in New Jersey for Drivers With Poor Credit (January 2023)

The cheapest car insurance companies in New Jersey for drivers with poor credit are:

  • Amica Mutual: $1,301 per year
  • NJM: $1,551 per year

With Hanover, policyholders with poor credit will pay the most, at approximately $9,201 per year for a full coverage policy.

In New Jersey, drivers with good credit will pay approximately $1,092 less per year for car insurance than those with poor credit.

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  • Company
    Annual Premium
    Monthly Premium
  • Amica Mutual
    $525
    $44
  • Amica Mutual
    $631
    $53
  • Amica Mutual
    $674
    $56
  • NJM
    $738
    $62
  • NJM
    $884
    $74
  • Plymouth Rock Assurance
    $915
    $76
  • Plymouth Rock Assurance
    $920
    $77
  • GEICO
    $936
    $78
  • GEICO
    $956
    $80
  • Plymouth Rock Assurance
    $991
    $83
  • NJM
    $1,011
    $84
  • Progressive
    $1,081
    $90
  • GEICO
    $1,102
    $92
  • Progressive
    $1,124
    $94
  • NJM
    $1,294
    $108
  • Amica Mutual
    $1,301
    $108
  • Progressive
    $1,363
    $114
  • Allstate
    $1,467
    $122
  • Allstate
    $1,471
    $123
  • Mercury
    $1,535
    $128
  • NJM
    $1,551
    $129
  • Travelers
    $1,574
    $131
  • Foremost
    $1,580
    $132
  • New Jersey Skylands Insurance
    $1,584
    $132
  • Allstate
    $1,586
    $132
  • Mercury
    $1,592
    $133
  • Mercury
    $1,600
    $133
  • New Jersey Skylands Insurance
    $1,601
    $133
  • Foremost
    $1,602
    $134
  • Amica Mutual
    $1,611
    $134
  • State Farm
    $1,616
    $135
  • New Jersey Skylands Insurance
    $1,618
    $135
  • Travelers
    $1,710
    $143
  • State Farm
    $1,717
    $143
  • Amica Mutual
    $1,772
    $148
  • Foremost
    $1,777
    $148
  • Progressive
    $1,808
    $151
  • Travelers
    $1,862
    $155
  • Plymouth Rock Assurance
    $1,883
    $157
  • Plymouth Rock Assurance
    $1,897
    $158
  • NJM
    $1,913
    $159
  • Progressive
    $2,047
    $171
  • State Farm
    $2,083
    $174
  • Plymouth Rock Assurance
    $2,107
    $176
  • GEICO
    $2,177
    $181
  • GEICO
    $2,212
    $184
  • Progressive
    $2,220
    $185
  • Mercury
    $2,364
    $197
  • Allstate
    $2,459
    $205
  • Mercury
    $2,474
    $206
  • Allstate
    $2,544
    $212
  • New Jersey Skylands Insurance
    $2,610
    $217
  • Travelers
    $2,622
    $219
  • New Jersey Skylands Insurance
    $2,630
    $219
  • Mercury
    $2,639
    $220
  • Travelers
    $2,657
    $221
  • GEICO
    $2,665
    $222
  • State Farm
    $2,670
    $223
  • Foremost
    $2,736
    $228
  • Travelers
    $2,781
    $232
  • State Farm
    $2,784
    $232
  • New Jersey Skylands Insurance
    $2,809
    $234
  • Foremost
    $2,826
    $235
  • Allstate
    $2,832
    $236
  • Foremost
    $3,257
    $271
  • State Farm
    $3,421
    $285
  • Hanover
    $4,525
    $377
  • Hanover
    $4,571
    $381
  • Hanover
    $5,324
    $444
  • Hanover
    $8,629
    $719
  • Hanover
    $9,201
    $767
  • Hanover
    $10,874
    $906

Drivers with poor credit tend to pay more expensive rates since they’re more likely to file a claim. Although some states don’t permit insurers to consider a driver’s history when assessing rates, New Jersey allows this.

Improving your credit standing is a solid way to secure a cheaper premium. You can also compare insurer’s rates or maximize common discounts to obtain the cheapest policy.

Cheapest Car Insurance in New Jersey for Sports Cars (January 2023)

The cheapest auto insurance companies in New Jersey for sports car drivers are:

  • GEICO: $1,003 per year
  • Travelers: $1,117 per year

Foremost charges the most expensive premiums at around $2,199 per year. Car insurance for drivers of sports vehicles can be more expensive since repairs and replacement parts tend to cost more.

In New Jersey, it’s $121 more expensive to insure a sports car than a Toyota Camry LE.

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $348
    $29
  • GEICO
    $354
    $30
  • GEICO
    $399
    $33
  • Travelers
    $575
    $48
  • Travelers
    $583
    $49
  • Progressive
    $597
    $50
  • Travelers
    $634
    $53
  • Progressive
    $647
    $54
  • Allstate
    $662
    $55
  • Allstate
    $663
    $55
  • Progressive
    $675
    $56
  • Allstate
    $724
    $60
  • State Farm
    $743
    $62
  • State Farm
    $788
    $66
  • Foremost
    $922
    $77
  • Foremost
    $935
    $78
  • State Farm
    $944
    $79
  • GEICO
    $981
    $82
  • GEICO
    $1,003
    $84
  • Foremost
    $1,014
    $85
  • Travelers
    $1,117
    $93
  • Travelers
    $1,149
    $96
  • Progressive
    $1,188
    $99
  • GEICO
    $1,211
    $101
  • Travelers
    $1,220
    $102
  • Progressive
    $1,296
    $108
  • Allstate
    $1,343
    $112
  • State Farm
    $1,363
    $114
  • Progressive
    $1,402
    $117
  • State Farm
    $1,409
    $117
  • Allstate
    $1,411
    $118
  • Allstate
    $1,589
    $132
  • State Farm
    $1,724
    $144
  • Foremost
    $2,104
    $175
  • Foremost
    $2,199
    $183
  • Foremost
    $2,497
    $208

Although MoneyGeek used a Ford Mustang as a sample car, the annual premium cost generally varies per car model. Sports, electric and luxury vehicles tend to cost more to insure than other types of cars, but otherwise, your car’s model shouldn’t significantly impact your rates.

Cheapest Car Insurance in New Jersey for Military Drivers (January 2023)

Plymouth Rock is the cheapest insurance company that offers full coverage for military members and veterans. Its average annual premium costs $895.

USAA is also available to military personnel across all states in the U.S.

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MoneyGeek Top Pick
Plymouth Rock Assurance
  • $895 per year
  • Most affordable option among 12 companies

Cheapest Car Insurance in New Jersey by City

The city in which you live in New Jersey can have a significant impact on the cost of your auto insurance. Those who live in high-risk neighborhoods, such as ones with increased crime rates, tend to pay more for auto insurance.

Jersey City residents with a GEICO policy pay an average of $1,088 per year, making it the cheapest city in New Jersey for car insurance. Elizabeth is the second-cheapest city, with the average cost of $1,173 per year for a Plymouth Rock car insurance policy.

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  • City
    Cheapest Company
    Annual Premium
  • Elizabeth
    Plymouth Rock Assurance
    $1,173
  • Jersey City
    GEICO
    $1,088
  • Newark
    Plymouth Rock Assurance
    $1,179
  • Paterson
    Plymouth Rock Assurance
    $1,189

Car Insurance in New Jersey: What You Need to Know

All New Jersey drivers must have the minimum coverage which includes bodily injury liability, property damage liability, personal injury protection, and uninsured/underinsured motorist coverage. Understanding how much coverage you need ensures you’re sufficiently protected.

New Jersey Car Insurance Requirements

New Jersey law requires that all drivers have car insurance, either a basic policy or a standard policy. MoneyGeek’s rates were based on the standard policy requirement for 2022, which included bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured motorist coverage. Although purchasing basic coverage is less expensive, you’ll pay more out of pocket if you get in an accident.

To avoid paying high costs if you get in an accident, you can purchase more liability coverage for added protection.

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    Bodily Injury Liability

    If you’re found at fault in an accident, this will cover any medical expenses for those injured, up to $15,000 per person or $30,000 per accident. The minimum coverage limit will increase to $25,000 per person and $50,000 per accident in January 2023.

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    Property Damage Liability

    This covers the cost of repairs to another car or property if you’re at fault in an accident with minimum coverage. Since the state's limit is $5,000, drivers who exceed this amount must pay out of pocket. The state’s limit will increase to $25,000 in January 2023.

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    Personal Injury Protection

    New Jersey mandates drivers to purchase PIP, which covers medical, loss of income or funeral costs after a car accident. Regardless of who caused the accident, policyholders are covered up to $15,000. This coverage limit will remain the same in 2023.

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    Uninsured/Underinsured Motorist Coverage

    This coverage will pay for your medical expenses if you get into an accident with an uninsured or underinsured driver or experience a hit and run. A minimum coverage amount of $5,000 is required by state law. This coverage limit will increase in January 2023.

MoneyGeek recommends drivers increase their limits to $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance and $100,000 in property damage insurance per accident. Doing so offers extensive protection in the event of an accident.

Full coverage comes with comprehensive and collision insurance, which provides more protection. With collision insurance, damages to your car that involve collisions with trees, walls, fences or other objects are covered. Comprehensive insurance pays for non-collision incidents like natural disasters, fire, theft, vandalism and chipped glass on your car.

If you own a valuable car, we encourage purchasing full coverage, even if it isn’t required.

Car Insurance Alternatives in New Jersey

Though no alternative to car insurance in New Jersey is available, drivers may be able to purchase a basic car insurance policy that includes less coverage. A basic policy includes the following coverages and limits:

  • $5,000 property damage liability per accident
  • $15,000 personal injury protection per person or per accident

Bodily injury liability, collision and comprehensive coverage are available as optional add-ons with some insurers. Though a basic plan may cost less, you won’t be covered for costs if you’re found at fault in an accident.

MoneyGeek always recommends purchasing the maximum amount of coverage that fits within your budget, to avoid paying high out-of-pocket costs if you get into an accident.

FAQs About Car Insurance in New Jersey

Those comparison shopping for car insurance may have questions about affordability and quality between providers. MoneyGeek answered the most commonly asked questions to help you gain a better grasp of auto insurance in New Jersey.

Expert Advice on Finding Cheap Car Insurance in New Jersey

To help you find credible and accurate insight on car insurance in New Jersey, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in New Jersey should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in New Jersey take to find affordable car insurance?
Gerard Pinto
Gerard Pinto

Assistant Professor of Finance at Drew University

Sean Lovison, CPA
Sean Lovison, CPA

Principal at WJL Financial Advisors, LLC

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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