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Types of Coverage Offered
- Liability
- Comprehensive
- Collision
- Uninsured/underinsured motorist
- Medical payments
- Roadside assistance
- Loan/lease payoff
- Rental car reimbursement
- Customer parts and equipment value
- Rideshare coverage
- Deductible savings bank
Discounts Available
- Multi-policy
- Multi-car
- Continuous insurance
- Safe driver
- Teen driver
- Good student
- Distant student
- Homeowner
- Quote and sign online
- Paperless billing
- Pay in full
- Automatic payment
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* Data provided by Bankrate.com
**J.D. Power ’ s 2021 U.S. Auto Insurance Study rating for the middle atlantic region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in New Jersey
New Jersey car insurance rates can be high, which could be partially due to its dense traffic and high cost of live. Based on 2021 average quoted premiums from Bankrate.com, drivers in New Jersey can expect to pay an average of $ 847 per year for the state ’ s minimal liability insurance ( for the “ standard policy ” coverage level ), while a full-coverage policy costs around $ 1,757 per class. It can be helpful to shop around when choosing an insurance carrier — rates can vary by hundreds of dollars from one provider to the future. other factors that will help determine your indemnity rate include your long time, driving history, fomite, and credit score ( in states where allowed ).
Top 3 Cheapest Car Insurance Companies in New Jersey
| Company | Average Annual Premium for Full Coverage |
| Selective | $1,085 |
| Palisades | $1,135 |
| State Farm | $1,244 |
Top 3 Most Expensive Car Insurance Companies in New Jersey
| Company | Average Annual Premium for Full Coverage |
| The Hanover | $4,638 |
| American Independent | $3,414 |
| Farmers | $2,803 |
Top 3 Cheapest Cities for Car Insurance in New Jersey
| City | Average Annual Full Coverage Premium |
| Manasquan | $1,434 |
| Brielle | $1,434 |
| Sea Girt | $1,434 |
Top 3 Most Expensive Cities for Car Insurance in New Jersey
| City | Average Annual Full Coverage Premium |
| Irvington | $2,628 |
| Newark | $2,624 |
| East Orange | $2,573 |
Key Things to Know About Car Insurance in New Jersey
While the Garden State is one of the smallest states in the U.S., it is dumbly populated. This means that traffic-heavy roads present a higher risk of crashes and fatalities. here ’ s what you need to know about driving and car policy in New Jersey .
- In 2019, New Jersey’s rate of death for drivers was 0.71 deaths per 100 million vehicle miles traveled. This is slightly below the national average of 1.11.
- A total of 1,391 car crashes that occurred in New Jersey were linked to cell phone use while driving in 2019.
- In New Jersey, 276,861 accidents happened in 2019, slightly less than the 278,413 recorded in 2018.
In addition, New Jersey experiences episodic extreme weather, including hurricanes, tropical storms, wildfires, winter storms, and flooding. As a result, it can be important for drivers to have the right types of cable car insurance to protect their fomite against these risks. here are some things to consider when it comes to severe upwind in New Jersey :
- During Hurricane Sandy in 2012, an estimated 100,000-250,000 vehicles in use were destroyed by flood waters.
- Every year, there are an average of 1,500 wildfires in New Jersey that damage or destroy 7,000 acres, including homes, vehicles, and personal property.
New Jersey Car Insurance Requirements
New Jersey has two unlike minimum coverage car policy options : the basic policy and the standard policy. The coverage types and limits required are as follows : basic policy :
- Up to $10,000 in optional bodily injury liability per accident
- $5,000 property damage liability per accident
- $15,000 personal injury protection (PIP)
basic policies do not have an uninsured or underinsured motorist option. Depending on the policy company, drivers with basic policies may besides not be able to add comprehensive examination or collision coverage. standard policy :
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $15,000 personal injury protection (PIP)
- $15,000 uninsured motorist bodily injury liability per person
- $30,000 uninsured motorist bodily injury liability per accident
- $15,000 underinsured motorist bodily injury liability per person
- $30,000 underinsured motorist bodily injury liability per accident
Comprehensive and collision coverage are available on standard policies.
Read more: The 7 Best Car Insurance Companies (2022)
Car Insurance Coverage Options
While a basic policy is all you need to drive legally in New Jersey, there are early coverages that could provide greater fiscal protection. For example, if you have a lend or lease on your vehicle, your fiscal mental hospital likely requires you to carry comprehensive and collision coverages. other coverages you may want to consider include :
- Uninsured/underinsured motorist: This coverage, required in New Jersey with a standard policy, protects you from financial losses if you’re in an accident with another driver who doesn’t have insurance or does not have enough insurance to pay for your damages.
- Roadside assistance: Most insurance companies offer this optional coverage you can use to get a towing service, tire change, and more in the event your car breaks down.
- Gap coverage: This optional coverage covers any financial losses you might experience when you total your new vehicle and the claim payout of the car is lower than the remaining amount on your loan or lease.
accident forgiveness : car indemnity rates normally increase after an accident. With optional accident forgiveness coverage, your rates won ’ metric ton increase after just one accident.
Frequently asked questions
What is the minimum car insurance required in New Jersey?
New Jersey law requires drivers to carry at least a basic policy with the follow coverage : basic policy :
- Up to $10,000 in optional bodily injury liability per accident
- $5,000 property damage liability per accident
- $15,000 personal injury protection (PIP)
New Jersey drivers can besides purchase a standard policy, which provides more coverage than a basic policy. In addition to liability insurance and PIP, the standard policy includes uninsured/underinsured motorist coverage. collision and comprehensive indemnity are offered as optional endorsements. If you choose a standard policy, you must purchase a minimum sum of coverage .
What is the average auto insurance cost in New Jersey?
Drivers in New Jersey can expect to pay an average of $ 847 for a standard minimal coverage policy and $ 1,757 for full moon coverage car indemnity .
What is the cheapest car insurance company in New Jersey?
Selective has the lowest average fully coverage car indemnity rates in New Jersey, with an average agio of $ 1,085 per year, according to 2021 quote premium data from Bankrate.com
Methodology
Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car indemnity companies in New Jersey, our editorial team compared affordability, customer patronize, coverage options, customer satisfaction scores and on-line resources from each company and averaged the scores to produce our very own Reviews.com rat. These scores were created with our readers in judgment and are meant to be a helpful creature to simplify the march of choosing which car policy caller is best for you. As for average price, we used Bankrate.com ’ s data of car policy in New Jersey, based on the profiles of a 40-year male and female. For entire coverage, the details used were the surveil :
- $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 bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimal coverage that meets New Jersey ’ sulfur standard policy choice requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum. These are sample distribution rates and should only be used for comparative purposes.
About the Authors
Elizabeth Rivelli Contributing Writer Elizabeth Rivelli is an insurance writer for Reviews.com. Over the stopping point year, she has covered policy providers, best policies, industry trends and more. Elizabeth has been featured in The simple Dollar, Bankrate and Coverage.com, among others. She holds a knight bachelor ‘s degree in Communication Studies from Northeastern University in Boston, MA. The Best term Life Insurance Companies is Elizabeth ’ s darling recapitulation on Reviews.com .