Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in New Jersey
| City | Premium | Percent Increase |
| Princeton | $1,422 | 0.0% |
| Freehold | $1,529 | 7.5% |
| Wayne | $1,570 | 10.4% |
| Brick | $1,594 | 12.1% |
| Toms River | $1,598 | 12.4% |
| Cherry Hill | $1,599 | 12.5% |
| Jackson | $1,638 | 15.2% |
| Piscataway | $1,645 | 15.7% |
| Edison | $1,664 | 17.1% |
| New Brunswick | $1,746 | 22.8% |
| Sicklerville | $1,855 | 30.5% |
| Lakewood | $1,871 | 31.6% |
| Trenton | $1,886 | 32.7% |
| Vineland | $1,890 | 33.0% |
| Bayonne | $1,930 | 35.8% |
| Jersey City | $2,069 | 45.5% |
| Plainfield | $2,074 | 45.9% |
| Union | $2,086 | 46.7% |
| Clifton | $2,189 | 54.0% |
| Perth Amboy | $2,228 | 56.7% |
| Camden | $2,238 | 57.5% |
| Union City | $2,262 | 59.1% |
| West New York | $2,262 | 59.1% |
| Elizabeth | $2,290 | 61.1% |
| East Orange | $2,303 | 62.0% |
| Newark | $2,313 | 62.7% |
| Irvington | $2,316 | 62.9% |
| North Bergen | $2,320 | 63.2% |
| Paterson | $2,333 | 64.1% |
| Passaic | $2,336 | 64.3% |
Factors That Affect Car Insurance in New Jersey
Although mature drivers pay less for car indemnity than teens, older drivers start to see their rates go up as they enter their aged years. Comparing car indemnity rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in New Jersey
7 Tips for How to Get Cheap Car Insurance in New Jersey
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In New Jersey, regional insurers like Erie Insurance and The Hartford might have lower rates than national companies like Geico and State Farm, along with comparable customer satisfaction ratings.
2. Know the factors affecting insurance in New Jersey
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose coverage that is right for you
You need
5. Search for discounts
Top car insurance companies in New Jersey have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
6. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in New Jersey. On average, drivers in the
7. Try usage-based insurance
New Jersey uses public transportation more than any other state in the country except New York. Around 11% of New Jersey residents use public transportation, which means they are probably driving less than the average American.
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $5,000 in property damage liability per accident, and $15,000 in personal injury protection, as required by New Jersey’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage and $15,000 of personal injury protection.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible and $15,000 of personal injury protection.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged New Jersey insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap car indemnity companies in New Jersey is based on data from the New Jersey DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for New Jersey drivers in a solicitation of key categories. For each profile, WalletHub compared quotes among top New Jersey cable car indemnity companies by averaging premiums from 32 zip up codes that represent at least 20 % of New Jersey ‘s population. Military-specific companies like USAA were only considered for the military-specific class, ascribable to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ randomness analysis, in addition to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and particular characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged New Jersey insurance quotes across 40 unlike driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. person rates will be different.
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