Cheap Car Insurance in New Jersey for 2022 – NerdWallet

car indemnity is an crucial purchase, but finding brassy car insurance in New Jersey international relations and security network ’ thymine always comfortable. That ’ s why it ’ sulfur important to compare rates from multiple insurers. The average cost of entire coverage car indemnity in New Jersey is $ 1,971 per year, or about $ 164 per month, according to NerdWallet ’ s analysis. minimum coverage in New Jersey is $ 973 per year on average, but we found you can likely get a cheaper policy. For model, Geico offers the cheapest rates in New Jersey at $ 541 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean repel record .

Cheapest cable car insurance company overall in New Jersey
Plymouth Rock Reading: Cheap Car Insurance in New Jersey for 2022 – NerdWallet	$ 87/month	4.5 NerdWallet rat NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Cheapest for minimum coverage
Geico	$ 45/month	4.5 NerdWallet evaluation NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Cheapest for young drivers
NJM	$ 179/month	5.0 NerdWallet rate NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Cheapest for drivers with poor recognition
selective	$ 87/month	not so far rated .

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How we chose the cheapest companies in New Jersey

NerdWallet ’ s editorial team analyzed car insurance rates from 18 car insurers in New Jersey and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimal coverage, we looked at rates that reflect the minimum requirements in New Jersey. For full coverage, we used the below coverage limits :

• $ 100,000 bodily injury liability per person .
• $ 300,000 bodily injury liability per accident .
• $ 50,000 property damage liability per accident .
• $ 100,000 uninsured motorist coverage per person .
• $ 300,000 uninsured motorist coverage per accident .
• Collision coverage with a $ 1,000 deductible .
• comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a set of quotes to find bum cable car policy. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. still, some companies routinely have better insurance rates for young drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in New Jersey for 20-year-olds

Drivers in New Jersey with clean drive records may want to consider the keep up companies, which had the lowest average rates :

1. NJM : $ 2,144 per year, or about $ 179 per calendar month .
2. Geico : $ 2,246 per class, or about $ 187 per month .
3. country grow : $ 2,725 per year, or about $ 227 per calendar month .
4. selective : $ 2,807 per class, or about $ 234 per calendar month .
5. Plymouth Rock : $ 2,837 per year, or about $ 236 per month .

Cheapest minimum coverage car insurance in New Jersey for 20-year-olds

Drivers in New Jersey who want precisely the department of state minimum coverage may want to check with these companies, which had the lowest average rates :

1. Geico : $ 897 per year, or about $ 75 per month .
2. NJM : $ 963 per year, or about $ 80 per calendar month .
3. Amica : $ 1,029 per year, or about $ 86 per month .
4. Plymouth Rock : $ 1,277 per year, or about $ 106 per calendar month .
5. Allstate : $ 1,324 per year, or about $ 110 per calendar month .

Cheapest auto insurance in New Jersey for 20-year-olds with poor credit

Drivers with poor credit in New Jersey should look at the following insurers with the lowest average rates for minimum coverage :

1. selective : $ 1,486 per class, or about $ 124 per month .
2. NJM : $ 1,608 per year, or about $ 134 per month .
3. Amica : $ 1,665 per year, or about $ 139 per calendar month .
4. Geico : $ 1,960 per year, or about $ 163 per calendar month .
5. first : $ 2,482 per class, or about $ 207 per calendar month .

Cheapest auto insurance in New Jersey for 20-year-old drivers with one at-fault crash

For drivers with a late accident in New Jersey, here are the companies with the lowest modal rates for minimum coverage :

1. NJM : $ 963 per year, or about $ 80 per month .
2. Geico : $ 1,048 per year, or about $ 87 per calendar month .
3. Amica : $ 1,159 per year, or about $ 97 per month .
4. selective : $ 1,525 per year, or about $ 127 per month .
5. Plymouth Rock : $ 1,826 per year, or about $ 152 per calendar month .

Cheapest auto insurance in New Jersey for 20-year-old drivers after a DUI

The cheapest car insurance we found after a DUI is shown here, alongside the insurers ‘ average rates for minimal coverage .

1. NJM : $ 1,178 per class, or about $ 98 per calendar month .
2. Geico : $ 1,289 per year, or about $ 107 per month .
3. Plymouth Rock : $ 1,572 per year, or about $ 131 per calendar month .
4. progressive : $ 1,696 per class, or about $ 141 per month .
5. Allstate : $ 1,972 per year, or about $ 164 per month .

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. inactive, factors like a person ’ randomness drive record and car make and exemplar can increase prices. Drivers in their 30s can get lower rates by shopping approximately and taking advantage of any car policy discounts.

Cheapest full coverage car insurance in New Jersey for 30-year-olds

Drivers in New Jersey with blank force records may get the lowest rates from these companies :

1. Plymouth Rock : $ 1,063 per year, or about $ 89 per calendar month .
2. Geico : $ 1,274 per year, or about $ 106 per calendar month .
3. selective : $ 1,379 per class, or about $ 115 per calendar month .
4. NJM : $ 1,416 per year, or about $ 118 per calendar month .
5. country grow : $ 1,442 per class, or about $ 120 per calendar month .

Cheapest minimum coverage car insurance in New Jersey for 30-year-olds

Drivers in New Jersey who want their state ‘s minimum coverage can check with the following companies, which had the lowest average rates :

1. Geico : $ 544 per year, or about $ 45 per month .
2. Amica : $ 549 per class, or about $ 46 per month .
3. Plymouth Rock : $ 556 per year, or about $ 46 per month .
4. NJM : $ 644 per year, or about $ 54 per month .
5. selective : $ 751 per class, or about $ 63 per calendar month .

Cheapest auto insurance in New Jersey for 30-year-olds with poor credit

Drivers with inadequate credit in New Jersey should consider the following companies with the lowest average rates for full coverage :

1. selective : $ 1,513 per class, or about $ 126 per month .
2. NJM : $ 2,207 per year, or about $ 184 per month .
3. progressive : $ 2,619 per year, or about $ 218 per calendar month .
4. Plymouth Rock : $ 2,665 per year, or about $ 222 per calendar month .
5. Geico : $ 2,727 per class, or about $ 227 per month .

Cheapest auto insurance in New Jersey for 30-year-old drivers with one at-fault crash

For drivers in New Jersey with a late accident, here are the lowest average rate options for entire coverage :

1. Plymouth Rock : $ 1,132 per year, or about $ 94 per calendar month .
2. NJM : $ 1,416 per year, or about $ 118 per month .
3. selective : $ 1,549 per year, or about $ 129 per calendar month .
4. Geico : $ 1,691 per year, or about $ 141 per month .
5. Travelers : $ 2,288 per class, or about $ 191 per calendar month .

Cheapest auto insurance in New Jersey for 30-year-old drivers after a DUI

For the cheapest car policy after a DUI, we found the follow options for fully coverage .

1. NJM : $ 1,698 per year, or about $ 142 per month .
2. Plymouth Rock : $ 1,757 per year, or about $ 146 per calendar month .
3. progressive : $ 1,834 per year, or about $ 153 per month .
4. selective : $ 2,080 per class, or about $ 173 per month .
5. Geico : $ 2,210 per year, or about $ 184 per month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better policy rates than their younger counterparts on average, but even pay more than older age groups. Shopping around for bum car indemnity quotes with multiple insurers is the best way to find lower rates. good drivers who don ’ triiodothyronine catch behind the wheel much might want to consider pay-per-mile indemnity, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in New Jersey for 40-year-olds

Drivers in New Jersey with blank drive records may want to think about the follow companies, which had the lowest average rates :

1. Plymouth Rock : $ 1,030 per year, or about $ 86 per calendar month .
2. Geico : $ 1,237 per year, or about $ 103 per month .
3. selective : $ 1,241 per class, or about $ 103 per calendar month .
4. NJM : $ 1,330 per class, or about $ 111 per calendar month .
5. state farm : $ 1,424 per year, or about $ 119 per month .

Cheapest minimum coverage car insurance in New Jersey for 40-year-olds

Drivers in New Jersey who want good the minimum coverage may want to check prices from these companies, which had the lowest average rates :

1. Amica : $ 539 per year, or about $ 45 per month .
2. Geico : $ 540 per class, or about $ 45 per month .
3. Plymouth Rock : $ 545 per year, or about $ 45 per calendar month .
4. NJM : $ 628 per class, or about $ 52 per month .
5. selective : $ 676 per year, or about $ 56 per month .

Cheapest auto insurance in New Jersey for 40-year-olds with poor credit

Drivers with poor people credit in New Jersey can check out the following insurers with the lowest modal rates for full coverage :

1. selective : $ 1,358 per year, or about $ 113 per month .
2. NJM : $ 2,065 per year, or about $ 172 per month .
3. progressive : $ 2,500 per year, or about $ 208 per calendar month .
4. Plymouth Rock : $ 2,552 per year, or about $ 213 per calendar month .
5. Geico : $ 2,636 per year, or about $ 220 per calendar month .

Cheapest auto insurance in New Jersey for 40-year-old drivers with one at-fault crash

For drivers with a late accident support in New Jersey, here are the companies with the lowest average rates for entire coverage :

1. Plymouth Rock : $ 1,095 per class, or about $ 91 per month .
2. NJM : $ 1,330 per class, or about $ 111 per calendar month .
3. selective : $ 1,390 per year, or about $ 116 per calendar month .
4. Geico : $ 1,639 per year, or about $ 137 per month .
5. Penn National : $ 2,258 per year, or about $ 188 per month .

Cheapest auto insurance in New Jersey for 40-year-old drivers after a DUI

The cheapest fully coverage car policy we found for drivers with a DUI came from the following companies .

1. NJM : $ 1,588 per year, or about $ 132 per calendar month .
2. Plymouth Rock : $ 1,689 per year, or about $ 141 per calendar month .
3. liberal : $ 1,754 per year, or about $ 146 per calendar month .
4. selective : $ 1,854 per year, or about $ 154 per calendar month .
5. Geico : $ 2,137 per year, or about $ 178 per month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other senesce groups on average. Prices will continue to drop as they inch toward their 60s and gain more drive experience. Rates can still vary depending on other factors such as a driver ’ randomness gender and placement, so it ’ mho smart to shop around to find the best pace. Our list of the best cheap cable car indemnity companies is a good place to start.

Cheapest full coverage car insurance in New Jersey for 50-year-olds

Drivers in New Jersey with clean drive records may want to get quotes from these insurers, which had the lowest average rates :

1. Plymouth Rock : $ 1,077 per year, or about $ 90 per calendar month .
2. selective : $ 1,178 per year, or about $ 98 per calendar month .
3. Geico : $ 1,192 per year, or about $ 99 per month .
4. NJM : $ 1,245 per year, or about $ 104 per calendar month .
5. Travelers : $ 1,374 per class, or about $ 114 per month .

Cheapest minimum coverage car insurance in New Jersey for 50-year-olds

Drivers in New Jersey who opt for the state of matter minimal coverage may want to consider the take after companies, with the lowest average rates :

1. Amica : $ 516 per year, or about $ 43 per calendar month .
2. Geico : $ 529 per year, or about $ 44 per month .
3. Plymouth Rock : $ 577 per year, or about $ 48 per month .
4. NJM : $ 592 per year, or about $ 49 per month .
5. selective : $ 631 per class, or about $ 53 per calendar month .

Cheapest auto insurance in New Jersey for 50-year-olds with poor credit

Drivers with poor credit in New Jersey can check with the following companies, which showed the lowest average rates for wide coverage :

1. selective : $ 1,287 per year, or about $ 107 per month .
2. NJM : $ 1,917 per year, or about $ 160 per calendar month .
3. Plymouth Rock : $ 2,132 per year, or about $ 178 per calendar month .
4. progressive : $ 2,266 per class, or about $ 189 per month .
5. Geico : $ 2,522 per year, or about $ 210 per calendar month .

Cheapest auto insurance in New Jersey for 50-year-old drivers with one at-fault crash

For drivers living in New Jersey with a late accident, here are the insurers with the lowest average full coverage rates :

1. Plymouth Rock : $ 1,148 per year, or about $ 96 per month .
2. NJM : $ 1,245 per year, or about $ 104 per calendar month .
3. selective : $ 1,318 per year, or about $ 110 per month .
4. Geico : $ 1,600 per year, or about $ 133 per month .
5. Penn National : $ 2,097 per year, or about $ 175 per month .

Cheapest auto insurance in New Jersey for 50-year-old drivers after a DUI

The cheapest car policy we found for drivers with a recent DUI comes from the following companies, listed with rates for wax coverage .

1. NJM : $ 1,481 per year, or about $ 123 per month .
2. Plymouth Rock : $ 1,573 per year, or about $ 131 per calendar month .
3. progressive : $ 1,641 per year, or about $ 137 per month .
4. selective : $ 1,753 per year, or about $ 146 per month .
5. Geico : $ 2,112 per year, or about $ 176 per calendar month .

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well compare personalized rates to see how a lot trade car indemnity could save you.

ZIP Code

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car policy rates than many early senesce groups on modal, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make surely to shop around to find the best rate. Drivers in this senesce group should besides take advantage of any available discounts for elder citizens.

Cheapest full coverage car insurance in New Jersey for 60-year-olds

Drivers in New Jersey with clean drive records may want to think about getting quotes from these companies, which had the lowest average rates :

1. selective : $ 1,166 per class, or about $ 97 per month .
2. NJM : $ 1,172 per year, or about $ 98 per month .
3. Plymouth Rock : $ 1,175 per year, or about $ 98 per month .
4. Geico : $ 1,201 per year, or about $ 100 per month .
5. state farm : $ 1,329 per year, or about $ 111 per calendar month .

Cheapest minimum coverage car insurance in New Jersey for 60-year-olds

Drivers in New Jersey who want merely the state minimum coverage may want to check with these insurers, which had the lowest average rates :

1. Geico : $ 532 per class, or about $ 44 per month .
2. Amica : $ 534 per class, or about $ 44 per month .
3. NJM : $ 560 per year, or about $ 47 per calendar month .
4. selective : $ 602 per year, or about $ 50 per month .
5. Plymouth Rock : $ 603 per year, or about $ 50 per calendar month .

Cheapest auto insurance in New Jersey for 60-year-olds with poor credit

Drivers with poor credit rating in New Jersey can look at the following companies with the lowest average rates for full coverage :

1. selective : $ 1,274 per class, or about $ 106 per calendar month .
2. NJM : $ 1,788 per year, or about $ 149 per month .
3. Plymouth Rock : $ 2,086 per year, or about $ 174 per month .
4. progressive : $ 2,234 per class, or about $ 186 per calendar month .
5. Geico : $ 2,546 per year, or about $ 212 per month .

Cheapest auto insurance in New Jersey for 60-year-old drivers with one at-fault crash

For drivers with a holocene accident living in New Jersey, here are the companies with the lowest modal rates for full coverage :

1. NJM : $ 1,172 per class, or about $ 98 per month .
2. Plymouth Rock : $ 1,255 per year, or about $ 105 per calendar month .
3. selective : $ 1,305 per year, or about $ 109 per month .
4. Geico : $ 1,615 per year, or about $ 135 per calendar month .
5. Penn National : $ 2,099 per year, or about $ 175 per month .

Cheapest auto insurance in New Jersey for 60-year-old drivers after a DUI

The cheapest car policy we found after a DUI came from the following companies, shown with their average rates for full coverage .

1. NJM : $ 1,388 per year, or about $ 116 per calendar month .
2. Plymouth Rock : $ 1,500 per year, or about $ 125 per month .
3. progressive : $ 1,623 per year, or about $ 135 per month .
4. selective : $ 1,738 per year, or about $ 145 per month .
5. Geico : $ 2,136 per year, or about $ 178 per month .

Minimum car insurance requirements in New Jersey

New Jersey is a no-fault state, requiring drivers to carry personal injury protection, or PIP, in addition to liability indemnity. New Jersey is singular in that it offers a choice between two sets of requirements for minimal policy coverage, in the form of a basic policy and a standard policy. The state says most drivers opt for Standard, but the basic policy is cheaper and has the lowest possible limits you can buy in the express. basic policy :

• $ 5,000 property wrong indebtedness per accident .
• $ 15,000 personal injury protection .

Bodily wound liability isn ’ metric ton required for the basic policy, but should you choose to buy it, the minimum is $ 10,000 per accident. standard policy :

• $ 15,000 bodily wound indebtedness per person .
• $ 30,000 bodily injury indebtedness total per accident .
• $ 5,000 property damage liability per accident .
• $ 15,000 personal injury protection .

liability car insurance covers the cost of any damage, injuries or deaths you cause in a cable car accident, astir to your policy ’ randomness predefined limits. personal wound protective covering will cover your medical bills and expenses if you ’ re injured in a car crash, up to your policy limits, no matter whose blame it was. Depending on your state, PIP may besides pay for :

• Lost wages if you ’ re ineffective to work due to injuries from an accident .
• Services you can no longer perform, like theater clean or child worry, because of your injuries .
• funeral costs if an accident-related injury leads to death .
• A minor death benefit as a cash payout .

even though these minimums will allow you to drive legally, you may want to buy more liability coverage to better guard your savings and assets against lawsuits. For case, if you total another person ’ mho car, the damage could well exceed a $ 5,000 property damage liability limit on your policy. The difference would have to come out of your pocket. It ’ second besides fresh to consider coarse optional coverages such as collision and comprehensive, which keep you from paying out of pocket if, say, you skid on ice and hit a tree, or your vehicle is stolen. Learn more about your want and optional New Jersey coverages with our guide to express car insurance requirements.

Alternative car insurance in New Jersey

If DUIs, inadequate accredit or other factors are preventing you from getting car indemnity on the voluntary market, you can seek coverage through the New Jersey Automobile Insurance Plan. For more aid finding competitive car policy quotes in New Jersey, try NerdWallet ‘s cable car policy comparison creature .

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