Compare Rates and Save on Auto Insurance

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GEICO is the cheapest insurance provider for residents of New Jersey. NJM and Plymouth Rock Assurance also offer low rates, depending on the profile and type of driver.

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

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2023

Table of Contents

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

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

  • GEICO: $478 per year
  • Plymouth Rock: $502 per year

MoneyGeek’s research revealed that Hanover is the priciest provider in New Jersey, with its minimum coverage policy costing roughly $1,780 per year.

Company
Annual Premium
Monthly Premium

GEICO

$470

$39

GEICO

$478

$40

Plymouth Rock Assurance

$487

$41

Plymouth Rock Assurance

$502

$42

Plymouth Rock Assurance

$521

$43

NJM

$534

$44

GEICO

$543

$45

NJM

$603

$50

Travelers

$696

$58

Allstate

$700

$58

Allstate

$709

$59

Travelers

$719

$60

NJM

$751

$63

Allstate

$773

$64

Travelers

$785

$65

Progressive

$793

$66

NJM

$824

$69

Amica Mutual

$845

$70

Amica Mutual

$897

$75

Progressive

$906

$76

NJM

$940

$78

Mercury

$962

$80

Mercury

$969

$81

Plymouth Rock Assurance

$972

$81

Mercury

$975

$81

Plymouth Rock Assurance

$977

$81

New Jersey Skylands Insurance

$1,017

$85

New Jersey Skylands Insurance

$1,034

$86

New Jersey Skylands Insurance

$1,038

$87

GEICO

$1,043

$87

Amica Mutual

$1,049

$87

GEICO

$1,049

$87

Plymouth Rock Assurance

$1,062

$88

Progressive

$1,080

$90

State Farm

$1,088

$91

Allstate

$1,133

$94

State Farm

$1,139

$95

Foremost

$1,158

$96

Foremost

$1,161

$97

Allstate

$1,162

$97

NJM

$1,202

$100

Travelers

$1,244

$104

GEICO

$1,258

$105

Travelers

$1,291

$108

Foremost

$1,301

$108

Allstate

$1,308

$109

Travelers

$1,326

$111

State Farm

$1,385

$115

Progressive

$1,481

$123

Progressive

$1,549

$129

Progressive

$1,624

$135

Mercury

$1,654

$138

Amica Mutual

$1,669

$139

State Farm

$1,688

$141

Mercury

$1,689

$141

State Farm

$1,735

$145

Hanover

$1,763

$147

Amica Mutual

$1,778

$148

Hanover

$1,780

$148

New Jersey Skylands Insurance

$1,789

$149

Amica Mutual

$1,796

$150

New Jersey Skylands Insurance

$1,804

$150

Mercury

$1,839

$153

New Jersey Skylands Insurance

$1,925

$160

Hanover

$2,064

$172

Foremost

$2,131

$178

State Farm

$2,137

$178

Foremost

$2,193

$183

Foremost

$2,548

$212

Hanover

$3,349

$279

Hanover

$3,565

$297

Hanover

$4,197

$350

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, which includes comprehensive and collision coverage, can cover the cost to repair your car.

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

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

  • NJM: $940 per year
  • Plymouth Rock: $977 per year

Hanover provides the most expensive full coverage quotes in the Garden State at $3,565 each year.

Purchasing comprehensive and collision insurance is typically more expensive. Plymouth Rock's full coverage policy costs $475 more per year than its minimum coverage policy.

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

Company
Annual Premium
Monthly Premium

GEICO

$470

$39

GEICO

$478

$40

Plymouth Rock Assurance

$487

$41

Plymouth Rock Assurance

$502

$42

Plymouth Rock Assurance

$521

$43

NJM

$534

$44

GEICO

$543

$45

NJM

$603

$50

Travelers

$696

$58

Allstate

$700

$58

Allstate

$709

$59

Travelers

$719

$60

NJM

$751

$63

Allstate

$773

$64

Travelers

$785

$65

Progressive

$793

$66

NJM

$824

$69

Amica Mutual

$845

$70

Amica Mutual

$897

$75

Progressive

$906

$76

NJM

$940

$78

Mercury

$962

$80

Mercury

$969

$81

Plymouth Rock Assurance

$972

$81

Mercury

$975

$81

Plymouth Rock Assurance

$977

$81

New Jersey Skylands Insurance

$1,017

$85

New Jersey Skylands Insurance

$1,034

$86

New Jersey Skylands Insurance

$1,038

$87

GEICO

$1,043

$87

Amica Mutual

$1,049

$87

GEICO

$1,049

$87

Plymouth Rock Assurance

$1,062

$88

Progressive

$1,080

$90

State Farm

$1,088

$91

Allstate

$1,133

$94

State Farm

$1,139

$95

Foremost

$1,158

$96

Foremost

$1,161

$97

Allstate

$1,162

$97

NJM

$1,202

$100

Travelers

$1,244

$104

GEICO

$1,258

$105

Travelers

$1,291

$108

Foremost

$1,301

$108

Allstate

$1,308

$109

Travelers

$1,326

$111

State Farm

$1,385

$115

Progressive

$1,481

$123

Progressive

$1,549

$129

Progressive

$1,624

$135

Mercury

$1,654

$138

Amica Mutual

$1,669

$139

State Farm

$1,688

$141

Mercury

$1,689

$141

State Farm

$1,735

$145

Hanover

$1,763

$147

Amica Mutual

$1,778

$148

Hanover

$1,780

$148

New Jersey Skylands Insurance

$1,789

$149

Amica Mutual

$1,796

$150

New Jersey Skylands Insurance

$1,804

$150

Mercury

$1,839

$153

New Jersey Skylands Insurance

$1,925

$160

Hanover

$2,064

$172

Foremost

$2,131

$178

State Farm

$2,137

$178

Foremost

$2,193

$183

Foremost

$2,548

$212

Hanover

$3,349

$279

Hanover

$3,565

$297

Hanover

$4,197

$350

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 by Age (November 2023)

Age is one of the biggest factors affecting car insurance rates in New Hampshire. MoneyGeek found that GEICO, Plymouth Rock or NJM offer the cheapest options, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: GEICO
Cheapest for young adults: Plymouth Rock
Cheapest for seniors: NJM

Cheapest Car Insurance in New Jersey for Teens and Their Families (November 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, and without parental or a guardian's consent to co-sign, most teens under the age of 18 cannot legally get their own auto policy. Cost-wise, for example, adding your son to your family policy instead of purchasing an individual policy could save an average of $2,854 per year.

provider
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

mglogo icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens because teen boys have a higher incidence of at-fault accidents and moving violations than teen girls. This rate difference is not as notable when drivers reach their 20s and beyond. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

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 (November 2023)

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

  • Plymouth Rock: $1,062 per year
  • NJM: $1,202 per year

With policies that cost $4,197 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 due to higher accident frequency and a greater incidence of moving violations. MoneyGeek’s research found that young drivers might pay roughly $122 more for the cheapest coverage.

Company
Annual Premium
Monthly Premium

GEICO

$470

$39

GEICO

$478

$40

Plymouth Rock Assurance

$487

$41

Plymouth Rock Assurance

$502

$42

Plymouth Rock Assurance

$521

$43

NJM

$534

$44

GEICO

$543

$45

NJM

$603

$50

Travelers

$696

$58

Allstate

$700

$58

Allstate

$709

$59

Travelers

$719

$60

NJM

$751

$63

Allstate

$773

$64

Travelers

$785

$65

Progressive

$793

$66

NJM

$824

$69

Amica Mutual

$845

$70

Amica Mutual

$897

$75

Progressive

$906

$76

NJM

$940

$78

Mercury

$962

$80

Mercury

$969

$81

Plymouth Rock Assurance

$972

$81

Mercury

$975

$81

Plymouth Rock Assurance

$977

$81

New Jersey Skylands Insurance

$1,017

$85

New Jersey Skylands Insurance

$1,034

$86

New Jersey Skylands Insurance

$1,038

$87

GEICO

$1,043

$87

Amica Mutual

$1,049

$87

GEICO

$1,049

$87

Plymouth Rock Assurance

$1,062

$88

Progressive

$1,080

$90

State Farm

$1,088

$91

Allstate

$1,133

$94

State Farm

$1,139

$95

Foremost

$1,158

$96

Foremost

$1,161

$97

Allstate

$1,162

$97

NJM

$1,202

$100

Travelers

$1,244

$104

GEICO

$1,258

$105

Travelers

$1,291

$108

Foremost

$1,301

$108

Allstate

$1,308

$109

Travelers

$1,326

$111

State Farm

$1,385

$115

Progressive

$1,481

$123

Progressive

$1,549

$129

Progressive

$1,624

$135

Mercury

$1,654

$138

Amica Mutual

$1,669

$139

State Farm

$1,688

$141

Mercury

$1,689

$141

State Farm

$1,735

$145

Hanover

$1,763

$147

Amica Mutual

$1,778

$148

Hanover

$1,780

$148

New Jersey Skylands Insurance

$1,789

$149

Amica Mutual

$1,796

$150

New Jersey Skylands Insurance

$1,804

$150

Mercury

$1,839

$153

New Jersey Skylands Insurance

$1,925

$160

Hanover

$2,064

$172

Foremost

$2,131

$178

State Farm

$2,137

$178

Foremost

$2,193

$183

Foremost

$2,548

$212

Hanover

$3,349

$279

Hanover

$3,565

$297

Hanover

$4,197

$350

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

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

  • NJM: $824 per year
  • Plymouth Rock: $972 per year

Hanover offers the most expensive premium to senior drivers aged 60+, costing an average of $3,349 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 $116 more per year.

Company
Annual Premium
Monthly Premium

GEICO

$470

$39

GEICO

$478

$40

Plymouth Rock Assurance

$487

$41

Plymouth Rock Assurance

$502

$42

Plymouth Rock Assurance

$521

$43

NJM

$534

$44

GEICO

$543

$45

NJM

$603

$50

Travelers

$696

$58

Allstate

$700

$58

Allstate

$709

$59

Travelers

$719

$60

NJM

$751

$63

Allstate

$773

$64

Travelers

$785

$65

Progressive

$793

$66

NJM

$824

$69

Amica Mutual

$845

$70

Amica Mutual

$897

$75

Progressive

$906

$76

NJM

$940

$78

Mercury

$962

$80

Mercury

$969

$81

Plymouth Rock Assurance

$972

$81

Mercury

$975

$81

Plymouth Rock Assurance

$977

$81

New Jersey Skylands Insurance

$1,017

$85

New Jersey Skylands Insurance

$1,034

$86

New Jersey Skylands Insurance

$1,038

$87

GEICO

$1,043

$87

Amica Mutual

$1,049

$87

GEICO

$1,049

$87

Plymouth Rock Assurance

$1,062

$88

Progressive

$1,080

$90

State Farm

$1,088

$91

Allstate

$1,133

$94

State Farm

$1,139

$95

Foremost

$1,158

$96

Foremost

$1,161

$97

Allstate

$1,162

$97

NJM

$1,202

$100

Travelers

$1,244

$104

GEICO

$1,258

$105

Travelers

$1,291

$108

Foremost

$1,301

$108

Allstate

$1,308

$109

Travelers

$1,326

$111

State Farm

$1,385

$115

Progressive

$1,481

$123

Progressive

$1,549

$129

Progressive

$1,624

$135

Mercury

$1,654

$138

Amica Mutual

$1,669

$139

State Farm

$1,688

$141

Mercury

$1,689

$141

State Farm

$1,735

$145

Hanover

$1,763

$147

Amica Mutual

$1,778

$148

Hanover

$1,780

$148

New Jersey Skylands Insurance

$1,789

$149

Amica Mutual

$1,796

$150

New Jersey Skylands Insurance

$1,804

$150

Mercury

$1,839

$153

New Jersey Skylands Insurance

$1,925

$160

Hanover

$2,064

$172

Foremost

$2,131

$178

State Farm

$2,137

$178

Foremost

$2,193

$183

Foremost

$2,548

$212

Hanover

$3,349

$279

Hanover

$3,565

$297

Hanover

$4,197

$350

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 for Higher Risk Drivers (November 2023)

Drivers with a violation on their record usually pay more for auto insurance. In New Jersey, drivers with a speeding ticket or DUI on their driving record will get the cheapest insurance from Plymouth Rock. Drivers with an at-fault accident, as well as people with poor credit, will find the most affordable insurance from NJM.

Sports car owners will find GEICO cheapest.

CHEAPEST FOR HIGHER RISK DRIVERS

Cheapest after a ticket: GEICO ($1,059 per year)
Cheapest after an accident: NJM ($968 per year)
Cheapest after a DUI: Plymouth Rock ($1,104 per year)
Cheapest for poor credit: NJM ($1,603 per year)
Cheapest for sports cars: GEICO ($1,131 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: $1,059 per year
  • Plymouth Rock: $1,104 per year

Hanover offers the highest annual premium at $3,565 per year.

Our research shows that drivers in New Jersey with a speeding ticket will pay an average of $148 more for car insurance than those with a clean driving history.

Company
Annual Premium
Monthly Premium

GEICO

$470

$39

GEICO

$478

$40

GEICO

$543

$45

Plymouth Rock Assurance

$549

$46

Plymouth Rock Assurance

$549

$46

Plymouth Rock Assurance

$588

$49

NJM

$605

$50

NJM

$706

$59

NJM

$859

$72

Allstate

$861

$72

Allstate

$862

$72

Amica Mutual

$884

$74

Progressive

$905

$75

Travelers

$934

$78

NJM

$935

$78

Allstate

$942

$78

Amica Mutual

$948

$79

Mercury

$953

$79

Progressive

$963

$80

Mercury

$969

$81

Mercury

$975

$81

Amica Mutual

$975

$81

Travelers

$1,008

$84

GEICO

$1,043

$87

GEICO

$1,059

$88

State Farm

$1,088

$91

Plymouth Rock Assurance

$1,104

$92

NJM

$1,105

$92

Plymouth Rock Assurance

$1,113

$93

State Farm

$1,153

$96

Progressive

$1,165

$97

Travelers

$1,186

$99

New Jersey Skylands Insurance

$1,220

$102

Plymouth Rock Assurance

$1,223

$102

New Jersey Skylands Insurance

$1,241

$103

New Jersey Skylands Insurance

$1,246

$104

Foremost

$1,253

$104

Foremost

$1,256

$105

GEICO

$1,258

$105

Allstate

$1,370

$114

NJM

$1,380

$115

State Farm

$1,385

$115

Foremost

$1,402

$117

Allstate

$1,418

$118

Allstate

$1,585

$132

Progressive

$1,640

$137

Mercury

$1,654

$138

Mercury

$1,670

$139

State Farm

$1,688

$141

State Farm

$1,757

$146

Amica Mutual

$1,758

$146

Hanover

$1,763

$147

Hanover

$1,780

$148

Travelers

$1,815

$151

Travelers

$1,828

$152

Mercury

$1,839

$153

Progressive

$1,859

$155

Amica Mutual

$1,972

$164

Travelers

$2,024

$169

Amica Mutual

$2,026

$169

Hanover

$2,064

$172

Progressive

$2,073

$173

State Farm

$2,137

$178

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

$3,349

$279

Hanover

$3,565

$297

Hanover

$4,197

$350

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: $968 per year
  • Plymouth Rock: $1,269 per year

The most expensive provider is Hanover with policies that start at $5,072 per year.

New Jersey auto insurance quotes can be $825 more expensive for drivers who are found at fault following an accident.

Company
Annual Premium
Monthly Premium

NJM

$534

$44

Plymouth Rock Assurance

$620

$52

NJM

$621

$52

Plymouth Rock Assurance

$621

$52

GEICO

$662

$55

Plymouth Rock Assurance

$669

$56

GEICO

$678

$57

GEICO

$737

$61

NJM

$751

$63

NJM

$824

$69

Amica Mutual

$884

$74

Amica Mutual

$948

$79

NJM

$968

$81

Amica Mutual

$975

$81

Travelers

$1,149

$96

Allstate

$1,159

$97

Allstate

$1,162

$97

NJM

$1,202

$100

New Jersey Skylands Insurance

$1,220

$102

New Jersey Skylands Insurance

$1,241

$103

New Jersey Skylands Insurance

$1,246

$104

Progressive

$1,250

$104

Travelers

$1,257

$105

Plymouth Rock Assurance

$1,269

$106

Allstate

$1,275

$106

Plymouth Rock Assurance

$1,277

$106

Progressive

$1,310

$109

Plymouth Rock Assurance

$1,413

$118

Travelers

$1,482

$124

GEICO

$1,501

$125

GEICO

$1,537

$128

Mercury

$1,637

$136

Mercury

$1,665

$139

Progressive

$1,667

$139

GEICO

$1,727

$144

Amica Mutual

$1,758

$146

State Farm

$1,773

$148

Allstate

$1,861

$155

State Farm

$1,885

$157

Allstate

$1,918

$160

Amica Mutual

$1,972

$164

Amica Mutual

$2,026

$169

Mercury

$2,074

$173

Travelers

$2,106

$176

Travelers

$2,118

$176

Allstate

$2,156

$180

New Jersey Skylands Insurance

$2,196

$183

New Jersey Skylands Insurance

$2,215

$185

Progressive

$2,277

$190

State Farm

$2,280

$190

New Jersey Skylands Insurance

$2,379

$198

Travelers

$2,379

$198

Foremost

$2,489

$207

Progressive

$2,520

$210

Hanover

$2,553

$213

Hanover

$2,566

$214

Foremost

$2,571

$214

Foremost

$2,673

$223

State Farm

$2,764

$230

Hanover

$2,868

$239

State Farm

$2,883

$240

Progressive

$2,921

$243

Mercury

$2,938

$245

Mercury

$3,141

$262

State Farm

$3,532

$294

Mercury

$3,560

$297

Foremost

$4,839

$403

Hanover

$4,880

$407

Foremost

$4,942

$412

Hanover

$5,072

$423

Foremost

$5,312

$443

Hanover

$5,821

$485

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: $1,104 per year
  • NJM: $1,105 per year

State Farm offers the most expensive estimates for drivers with DUI — a policy can cost roughly $6,833 annually.

Drivers in New Jersey with a DUI will pay approximately $1,294 more per year than those with a clean driving record.

Company
Annual Premium
Monthly Premium

Plymouth Rock Assurance

$549

$46

Plymouth Rock Assurance

$549

$46

Plymouth Rock Assurance

$588

$49

NJM

$605

$50

NJM

$706

$59

NJM

$859

$72

Progressive

$875

$73

Progressive

$930

$77

NJM

$935

$78

GEICO

$944

$79

GEICO

$998

$83

Allstate

$1,025

$85

Allstate

$1,030

$86

GEICO

$1,037

$86

Travelers

$1,077

$90

Plymouth Rock Assurance

$1,104

$92

NJM

$1,105

$92

Plymouth Rock Assurance

$1,113

$93

Progressive

$1,123

$94

Allstate

$1,127

$94

Travelers

$1,168

$97

Plymouth Rock Assurance

$1,223

$102

Mercury

$1,352

$113

Foremost

$1,358

$113

Foremost

$1,360

$113

Travelers

$1,372

$114

NJM

$1,380

$115

Mercury

$1,381

$115

Mercury

$1,499

$125

Foremost

$1,505

$125

Progressive

$1,545

$129

Amica Mutual

$1,568

$131

Allstate

$1,621

$135

Amica Mutual

$1,659

$138

Allstate

$1,670

$139

Progressive

$1,758

$146

Amica Mutual

$1,851

$154

Allstate

$1,874

$156

Progressive

$1,957

$163

Travelers

$2,044

$170

Travelers

$2,046

$170

GEICO

$2,184

$182

New Jersey Skylands Insurance

$2,248

$187

Travelers

$2,286

$190

New Jersey Skylands Insurance

$2,294

$191

GEICO

$2,298

$192

New Jersey Skylands Insurance

$2,304

$192

GEICO

$2,453

$204

Mercury

$2,481

$207

Mercury

$2,670

$222

Mercury

$2,683

$224

Foremost

$2,706

$226

Foremost

$2,765

$230

Hanover

$2,863

$239

Hanover

$2,888

$241

Foremost

$3,140

$262

Hanover

$3,219

$268

Amica Mutual

$3,791

$316

Amica Mutual

$4,058

$338

New Jersey Skylands Insurance

$4,121

$343

New Jersey Skylands Insurance

$4,158

$346

State Farm

$4,181

$348

State Farm

$4,454

$371

New Jersey Skylands Insurance

$4,499

$375

Amica Mutual

$4,660

$388

State Farm

$5,428

$452

Hanover

$5,437

$453

Hanover

$5,629

$469

Hanover

$6,449

$537

State Farm

$6,543

$545

State Farm

$6,833

$569

State Farm

$8,428

$702

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

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

  • NJM: $1,603 per year
  • Amica Mutual: $2,052 per year

With Hanover, policyholders with poor credit will pay the most, at approximately $9,553 per year for a full coverage policy.

In New Jersey, drivers with good credit will pay approximately $1,406 less per year for car insurance than those with poor credit.

Company
Annual Premium
Monthly Premium

NJM

$881

$73

Plymouth Rock Assurance

$966

$81

Plymouth Rock Assurance

$969

$81

Amica Mutual

$984

$82

GEICO

$1,048

$87

NJM

$1,048

$87

Plymouth Rock Assurance

$1,057

$88

GEICO

$1,069

$89

Amica Mutual

$1,124

$94

Amica Mutual

$1,179

$98

Progressive

$1,184

$99

GEICO

$1,234

$103

Progressive

$1,242

$103

NJM

$1,246

$104

NJM

$1,337

$111

Allstate

$1,476

$123

Allstate

$1,479

$123

Progressive

$1,491

$124

Mercury

$1,518

$126

Mercury

$1,550

$129

Travelers

$1,564

$130

Mercury

$1,572

$131

Foremost

$1,580

$132

New Jersey Skylands Insurance

$1,584

$132

Allstate

$1,599

$133

New Jersey Skylands Insurance

$1,601

$133

Foremost

$1,602

$134

NJM

$1,603

$134

New Jersey Skylands Insurance

$1,618

$135

Travelers

$1,681

$140

Foremost

$1,777

$148

Travelers

$1,831

$153

NJM

$1,978

$165

Amica Mutual

$2,052

$171

Progressive

$2,057

$171

Plymouth Rock Assurance

$2,065

$172

Plymouth Rock Assurance

$2,085

$174

Allstate

$2,277

$190

State Farm

$2,285

$190

Plymouth Rock Assurance

$2,332

$194

Progressive

$2,351

$196

Allstate

$2,359

$197

State Farm

$2,430

$203

GEICO

$2,459

$205

Amica Mutual

$2,472

$206

GEICO

$2,499

$208

Progressive

$2,523

$210

Mercury

$2,532

$211

New Jersey Skylands Insurance

$2,610

$217

Allstate

$2,622

$218

New Jersey Skylands Insurance

$2,630

$219

Mercury

$2,637

$220

Travelers

$2,638

$220

Amica Mutual

$2,688

$224

Travelers

$2,700

$225

Foremost

$2,736

$228

Travelers

$2,797

$233

New Jersey Skylands Insurance

$2,809

$234

Foremost

$2,826

$235

Mercury

$2,886

$241

State Farm

$2,948

$246

GEICO

$3,011

$251

Foremost

$3,257

$271

State Farm

$3,565

$297

State Farm

$3,720

$310

State Farm

$4,570

$381

Hanover

$4,694

$391

Hanover

$4,742

$395

Hanover

$5,524

$460

Hanover

$8,958

$747

Hanover

$9,553

$796

Hanover

$11,289

$941

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 credit 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 (November 2023)

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

  • GEICO: $1,131 per year
  • Travelers: $1,147 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 $141 more expensive to insure a Toyota Camry LE than a sports car.

Company
Annual Premium
Monthly Premium

GEICO

$470

$39

GEICO

$478

$40

Plymouth Rock Assurance

$487

$41

Plymouth Rock Assurance

$502

$42

Plymouth Rock Assurance

$521

$43

NJM

$534

$44

GEICO

$543

$45

NJM

$603

$50

Travelers

$696

$58

Allstate

$700

$58

Allstate

$709

$59

Travelers

$719

$60

NJM

$751

$63

Allstate

$773

$64

Travelers

$785

$65

Progressive

$793

$66

Amica Mutual

$845

$70

Amica Mutual

$897

$75

Progressive

$906

$76

Mercury

$962

$80

Mercury

$969

$81

Mercury

$975

$81

New Jersey Skylands Insurance

$1,017

$85

New Jersey Skylands Insurance

$1,034

$86

New Jersey Skylands Insurance

$1,038

$87

Amica Mutual

$1,049

$87

Progressive

$1,080

$90

State Farm

$1,088

$91

GEICO

$1,107

$92

GEICO

$1,131

$94

State Farm

$1,139

$95

Travelers

$1,147

$96

Foremost

$1,158

$96

Foremost

$1,161

$97

Travelers

$1,180

$98

Allstate

$1,244

$104

Travelers

$1,262

$105

Foremost

$1,301

$108

Allstate

$1,309

$109

Progressive

$1,361

$113

GEICO

$1,367

$114

State Farm

$1,385

$115

Allstate

$1,473

$123

Progressive

$1,487

$124

Progressive

$1,616

$135

Hanover

$1,763

$147

Hanover

$1,780

$148

State Farm

$1,819

$152

State Farm

$1,881

$157

Hanover

$2,064

$172

Foremost

$2,104

$175

Foremost

$2,199

$183

State Farm

$2,302

$192

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 (November 2023)

NJM is the cheapest insurance company that offers full coverage for military members and veterans. Its average annual premium costs $940.

USAA is also available to military personnel in New Jersey and across the U.S. And you may consider getting a policy with GEICO to take advantage of its military discounts.

mglogo
MoneyGeek Top Pick
NJM Insurance Co
  • $940 per year

NJM offers rental car and/or travel reimbursement, roadside assistance, accident forgiveness, Original Equipment Manufacturer (OEM) coverage, new car replacement and glass deductible modification as endorsements to its policyholders.

Cheapest Car Insurance in New Jersey by City

The city in which you live in New Jersey, and even your ZIP code, 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 an NJM policy pay an average of $1,158 per year, making it the cheapest city in New Jersey for car insurance. Elizabeth is the second-cheapest city, with an average cost of $1,295 per year for a Plymouth Rock Assurance policy.

City
Cheapest Company
Annual Premium

Elizabeth

Plymouth Rock Assurance

$1,295

Jersey City

NJM

$1,158

Newark

Plymouth Rock Assurance

$1,303

Paterson

Plymouth Rock Assurance

$1,319

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 2023, 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 and be financially at risk from an at-fault accident.

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

  • male icon

    Bodily Injury Liability

    If you’re found at fault in an accident, this will cover any medical expenses for those injured, up to $25,000 per person or $50,000 per accident. The minimum coverage limit increased to $25,000 per person and $50,000 per accident for policies issued or renewed on or after January 1, 2023.

  • accident2 icon

    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 $25,000, drivers who exceed this amount must pay out of pocket. The state’s limit increased to $25,000 in January 2023.

  • hospital icon

    Personal Injury Protection

    New Jersey mandates drivers to purchase personal injury protection (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 remains the same in 2023.

  • carInsurance icon

    Uninsured/Underinsured Motorist Coverage

    This mandatory coverage in New Jersey will pay for your medical expenses if you get into an accident with an uninsured or underinsured driver or experience a hit and run. The coverage limit increased to $25,000 for policies issued or renewed on or after January 1, 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 financial protection in the event of an at-fault accident.

Full coverage includes comprehensive and collision insurance, which provides a much greater level of financial 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 a cracked windshield 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?
Sean Lovison, CPA
Sean Lovison, CPA

Principal at WJL Financial Advisors, LLC

Gerard Pinto
Gerard Pinto

Assistant Professor of Finance at Drew University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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