Advertiser disclosure While searching for low-cost car insurance can be difficult, our review team helps you understand New Jersey car policy quotes by taking a closer look at the cost of New Jersey car policy, the state minimum car insurance requirements, and more to answer your questions about policy in the Garden State. While finding the right cable car indemnity may be difficult, getting a free New Jersey car insurance quote is n’t. Whether you are shopping for new cable car policy or looking to switch providers, we recommend getting quotes from several different insurers and comparing them to be certain you ’ re getting car indemnity coverage for the best possible price. Use the instrument below to get matched with the best New Jersey cable car policy providers in your energy code or call our team at (844) 246-8209   to get free, personalize quotes seven days a week.

In this article:

New Jersey Car Insurance Minimum Requirements

Every country has unlike minimal requirements when it comes to car policy. New Jersey is a 15/30/5 submit, which means every driver needs :

  • $15,000 in bodily injury liability per person
  • $30,000 in bodily injury liability per accident
  • $5,000 in property damage liability

New Jersey besides requires that motorists carry personal injury protective covering ( PIP ) indemnity and uninsured/underinsured motorist coverage ( UM/UIM ). Drivers in NJ need at least the follow amounts :

  • $15,000 in PIP coverage per person
  • $5,000 in UM/UIM

When you reach out for car insurance quotes in NJ, you will see other criterion types of car insurance including collision, comprehensive examination, and aesculapian payments, ampere well as a few extras like wayside aid and gap policy. These coverages are not required by law but can be very valuable to have. New Jersey is a no-fault express, meaning that your own indemnity company covers your checkup expenses careless of which party caused the collision. This besides limits your right to sue in certain situations.

Factors That Affect Your New Jersey Car Insurance Quotes

The cost of car indemnity depends on your personal information, vehicle information, and more. Auto insurance rates in New Jersey are calculated based on the postdate :

  • Demographic factors including your age, gender, and marital status
  • Motor vehicle make, model, and year
  • Vehicle mileage
  • Your driving record
  • Number of claims you’ve filed in the past
  • The location where you park your car
  • Credit-based insurance score
  • And more

How Much Is Car Insurance Per Month In New Jersey?

unfortunately for New Jersey drivers, the state of matter is one of the most expensive for car insurance. According to the NAIC, the cost of New Jersey car insurance was $ 1,350.28 in 2017, while the national average was $ 1,004.68. That breaks devour to about $ 112.52 per calendar month. here ’ s a breakdown of the coverage costs that year based on data from the Insurance Information Institute :

Type of Coverage Average Annual Expenditure in 2017
Liability coverage $932.43
Collision coverage $403.19
Comprehensive coverage $129.12
Total cost $1,350.28

*To calculate average expenditures, NAIC assumed that all guarantee vehicles would carry indebtedness insurance but not necessarily collision or comprehensive. sum cost per class measures what consumers actually spent. Keep in mind that some drivers purchased only the state of matter minimal coverage, while others opted for full coverage.

How To Get Cheap Liability Coverage In New Jersey

It ‘s hard to find cheap car indemnity in New Jersey ascribable to the state ’ randomness population density, among early factors. here are a few tips to save when you ’ re searching for New Jersey car indemnity quotes.

  • Ask about discounts: While discount opportunities differ from provider to provider, some common discount opportunities include good driver discounts, good student discounts, bundling discounts, and multiple vehicle discounts.
  • Increase your deductible: A higher deductible usually means a lower insurance premium. This is an easy way to save money on your liability coverage, but keep in mind that you will need to pay that deductible if you ever cause an auto accident.
  • Improve your credit score: Data from the Federal Trade Commission suggests that drivers with low credit tend to file more claims than drivers with a high credit history. Because of this, many auto insurance companies take their customers’ credit scores into consideration when determining the cost of premiums.

record your travel rapidly code in the form below or call (844) 246-8209   to find the cheapest car insurance rates in your sphere.

What If I Can’t Afford The Minimum Insurance In NJ?

policy is required for all motorists in the state of matter of New Jersey. If a motorist is caught driving without indemnity, they could face good repercussions. NJ takes has some of the toughest penalties for motorists driving without indemnity, including :

First Offense Second and Subsequent Offenses
$ 300– $ 1,000 in fines with $ 250 surcharge assessment over three years

$ 500– $ 5,000 in fines with $ 250 surcharge assessment over three years
Driver ’ south license pause for one year Driver ’ s license abeyance for two years with reinstatement up to the DMV director
Community service for an sum of fourth dimension determined by the court up to 180 hours of community avail
possible vehicle impoundment if proof of insurance is not portray within 24 hours of citation potential vehicle impoundment if proof of indemnity is not presented within 24 hours of quotation
  Up to 14 days in jail

Our Recommendations For NJ Car Insurance Quotes

When shopping about for the cheapest New Jersey car policy quotes, it ’ second chic to get quotes from more than one provider. here are our top choices for New Jersey. learn more about each supplier in our best New Jersey car policy article. *You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into explanation countrywide factors, while our ranking for this article looks specifically at what indemnity providers are best for car policy in New Jersey.

Our Top Choice For New Jersey Car Insurance: USAA

In our USAA policy review, we found that USAA is a great insurance provider option for military personnel and their families. With an AM Best fiscal potency denounce of A++ ( Superior ) and a 900 out of a potential 1,000 rat on JD Power ’ randomness 2019 U.S. Auto Claims Satisfaction Study, USAA has a firm reputation in the car insurance industry and big customer reviews. USAA besides ranked highly across the board in the 2020 U.S. Auto Insurance Study. USAA offers car indemnity coverage in all 50 states and has assorted discounts for New Jersey drivers. While USAA is the acme provider in the department of state, we recommend getting a quote from each insurance company and comparing car insurance policies. Enter your energy code in our tool below or call (844) 246-8209 to start comparing personalized cable car indemnity quotes :


In an campaign to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of car indemnity providers to formulate rankings of the best insurers. Companies receive a score in each of the succeed categories, deoxyadenosine monophosphate well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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