Although GEICO is the cheapest car insurance company in New Jersey for MoneyGeek ’ s average driver, senesce, driving history, coverage sum, credit score, and other factors affect your car indemnity rate in New Jersey. For case, New Jersey drivers with a regretful credit score or who have a DUI on their criminal record get the best car policy rate through New Jersey Manufacturers .iconribbon cheap car indemnity

New Jersey 2022

The Cheapest Car Insurance in New Jersey

Cheapest Minimum Liability Car Insurance in New Jersey

Some New Jersey drivers may wish to get a liability coverage policy to meet the state of matter ’ south minimal car indemnity requirements. This package covers the other party ’ second expenses in an at-fault accident but not your own costs. On average, the cheapest cable car insurance companies in New Jersey for minimal coverage are :

  • GEICO: $499 per year
  • New Jersey Manufacturers: $769 per year

The most expensive car policy caller for minimum coverage in New Jersey is Mercury, costing an modal of $ 1,407 per class .

Cheapest Minimum Car Insurance in New Jersey
  • caller per annum monthly
  • 1 .GEICO $ 499 $ 42
  • 2. New Jersey Manufacturers $ 769 $ 64
  • 3 .Allstate $ 828 $ 69
  • 4 .Amica Mutual $ 877 $ 73
  • 5 .Progressive $ 879 $ 73
  • 6 .MetLife $ 1,022 $ 85
  • 7 .Travelers $ 1,220 $ 102
  • 8 .Esurance $ 1,322 $ 110
  • 9 .State Farm $ 1,362 $ 114
  • 10 .Mercury $ 1,407 $ 117

These prices are only estimates based on rates for an average New Jersey driver and should not be used to compare insurance prices. Loading …moneygeek-logo Loading …

Cheapest Full Coverage Car Insurance in New Jersey

A entire coverage policy with higher liability limits and comprehensive and collision indemnity can safeguard you against most incidents in New Jersey. Its rate is higher than the cost of minimum coverage, but it protects against the expenses of repairing damages to your cable car, not precisely the other driver ’ s vehicle. It ’ s recommended to compare cable car insurance quotes so you can find the least expensive prices. The most low-cost car policy providers in New Jersey for full coverage are :

  • GEICO: $1,035 per year
  • New Jersey Manufacturers: $1,362 per year

Esurance is the most expensive company for broad coverage, with modal annual costs of $ 2,302 .

Cheapest Full Coverage Car Insurance in New Jersey
  • company annually monthly
  • 1 .GEICO $ 1,035 $ 86
  • 2. New Jersey Manufacturers $ 1,362 $ 114
  • 3 .MetLife $ 1,404 $ 117
  • 4 .Allstate $ 1,490 $ 124
  • 5 .Progressive $ 1,505 $ 125
  • 6 .Amica Mutual $ 1,610 $ 134
  • 7 .Travelers $ 1,824 $ 152
  • 8 .State Farm $ 2,071 $ 173
  • 9 .Mercury $ 2,137 $ 178
  • 10 .Esurance $ 2,302 $ 192

Please remember that your prices will be unlike than these examples. The rates are for a policy with comprehensive examination and collision insurance, along with $ 100,000 in bodily injury liability coverage per person, $ 300,000 in bodily injury liability coverage per accident and $ 100,000 in property damage coverage per accident.

How to Compare Cheap New Jersey Car Insurance Quotes Online

Most insurance providers offer an easy-to-use on-line quote instrument that gives sanely accurate prices. You should ideally identify the coverage total you need so you can compare insurers with consistent limits. For case, if you get a quote for $ 50,000 in bodily indebtedness indemnity per accident from one carrier, you should ensure to use the lapp figure to get rates from another company. MoneyGeek ’ s cable car insurance calculator can give you a quote for an median driver without entering any personal information. To get a individualized quote, you do need to include more information. The three cheapest companies on average in New Jersey are GEICO, New Jersey Manufacturers and Allstate, and you can start by getting quotes from these providers .

Auto Insurance Calculator

department of state New Jersey historic period 40 drive record clean credit seduce excellent Vehicle Type compress Vehicle year 2020 Liability Coverage express Min Comprehensive and Collision Insurance none sex female Click the section of the wheel in your price roll to see options. low end on modal high end Click your preferable monetary value range to see company options. Click an insurance company below to visit their review page or continue to your personalize quotation. company modal annual Rates 1 .GEICO $ 548 2. New Jersey Manufacturers $ 799 3 .Amica Mutual $ 859 4 .Allstate $ 864

Cheapest Car Insurance for Drivers With a DUI in New Jersey

Drivers with a severe driving rape like a DUI on their record pay higher cable car policy rates. In New Jersey, a driver with a DUI needs to pay an average of $ 3,320 per class for their car indemnity, compared to $ 1,674 for those with a clean record. The cheapest car policy companies in New Jersey for a driver with a DUI and broad coverage are :

  • New Jersey Manufacturers: $1,631 per year
  • Progressive: $1,732 per year

Although GEICO is the cheapest insurance company for New Jersey drivers with a clean and jerk record, New Jersey Manufacturers and Progressive has lower rates for those with a DUI .

Average Car Insurance Rates With a DUI
  • company annually monthly
  • 1. New Jersey Manufacturers $ 1,631 $ 136
  • 2 .Progressive $ 1,732 $ 144
  • 3 .GEICO $ 2,054 $ 171
  • 4 .Allstate $ 2,096 $ 175
  • 5 .Esurance $ 2,936 $ 245
  • 6 .Travelers $ 2,939 $ 245
  • 7 .Mercury $ 3,091 $ 258
  • 8 .MetLife $ 4,138 $ 345
  • 9 .Amica Mutual $ 4,827 $ 402
  • 10 .State Farm $ 7,753 $ 646

Getting a DUI will impact the cost of your car insurance. The share of adults who reported drive after drinking excessively much ( in the 30 days anterior to being surveyed ) was 1.0 % in New Jersey, according to a learn done by the Centers for Disease Control and Prevention. additionally, 1,459 people were killed in alcohol-related car crashes in New Jersey from 2009-2018 .
The fiscal repercussions of getting a DUI are costly and can range from court and legal fees to alcohol education treatment programs. Your policy rate will besides see a spike in price in addition to the legal fees. The above car insurance rates show what drivers who receive a DUI in New Jersey can expect to pay for insurance. While each indemnity company calculates premiums differently, getting a DUI could cost you up to $ 40,000 over the course of 13 years. Your rate increase will depend on your policy company, placement and force record. To avoid increase premiums, do n’t drink and drive.

Cheapest Car Insurance in New Jersey for Drivers With an At-Fault Accident

An at-fault accident can significantly increase your cable car policy rate in New Jersey. MoneyGeek ’ second data shows that drivers with an at-fault accident on their record pay an median of $ 2,766 per annum for an car insurance policy. The best cheap car insurance for people with an at-fault accident in New Jersey are :

  • New Jersey Manufacturers: $1,362 per year
  • GEICO: $1,437 per year

With New Jersey Manufacturers or GEICO, you may save arsenic much as $ 2,500 after an accident compared to early policy companies ’ modal car indemnity rates in New Jersey .

Cheapest Car Insurance With an At-Fault Accident
  • company annually monthly
  • 1. New Jersey Manufacturers $ 1,362 $ 114
  • 2 .GEICO $ 1,437 $ 120
  • 3 .Amica Mutual $ 2,155 $ 180
  • 4 .Allstate $ 2,422 $ 202
  • 5 .Progressive $ 2,574 $ 215
  • 6 .Travelers $ 3,094 $ 258
  • 7 .State Farm $ 3,279 $ 273
  • 8 .MetLife $ 3,658 $ 305
  • 9 .Mercury $ 3,678 $ 307
  • 10 .Esurance $ 4,004 $ 334

Cheapest Car Insurance for Drivers With Tickets in New Jersey

Drivers need to avoid even minor offenses, as a speeding ticket can increase their car indemnity prices. New Jersey drivers with a speeding tag on their record pay an average of $ 2,259 per year, $ 585 more than a driver with a houseclean record typically pays. The cable car indemnity carriers that offer the least expensive full coverage car indemnity with a speeding ticket in New Jersey are :

  • GEICO: $1,035 per year
  • New Jersey Manufacturers: $1,631 per year

department of state farm is the least low-cost insurance company in New Jersey for drivers with speed tickets, as they charge an modal rate of $ 3,476 .

Average Car Insurance Rates With a Ticket
  • ship’s company per annum monthly
  • 1 .GEICO $ 1,035 $ 86
  • 2. New Jersey Manufacturers $ 1,631 $ 136
  • 3 .Allstate $ 1,791 $ 149
  • 4 .Progressive $ 1,935 $ 161
  • 5 .Amica Mutual $ 1,937 $ 161
  • 6 .MetLife $ 2,127 $ 177
  • 7 .Travelers $ 2,447 $ 204
  • 8 .Esurance $ 3,032 $ 253
  • 9 .Mercury $ 3,184 $ 265
  • 10 .State Farm $ 3,476 $ 290

The National Highway Traffic Safety Administration reports that 525 crashes in New Jersey were caused by distracted drive. Getting a ticket because of distracted drive or speed can cause your car indemnity rates to increase since distract drivers are more probable to get into an accident. here ‘s what drivers in New Jersey might pay for car policy if they get a ticket for speeding or distracted drive. Getting a slate for speed or for distract tug could cause your car insurance rates to go up. If you want to avoid rate increases, stay focused on the road and do n’t speed.

Cheapest Car Insurance Companies in New Jersey for Drivers With Bad Credit

car policy providers besides use a driver ’ mho accredit sexual conquest to determine their premiums. therefore, it ’ s recommended to maintain a goodly credit score as it can reduce your rates. In New Jersey, drivers with poor credit necessitate to pay an median annual cost of $ 3,409 for their car insurance coverage, compared to $ 1,674 for the average driver with dependable credit. The most low-cost car insurance firms in New Jersey for a driver with poor accredit and full coverage are :

  • New Jersey Manufacturers: $2,166 per year
  • GEICO: $2,310 per year

These two carriers besides offer the cheapest broad coverage for drivers with good credit .

Average Car Insurance Rates for Drivers With Bad Credit
  • company annually monthly
  • 1. New Jersey Manufacturers $ 2,166 $ 181
  • 2 .GEICO $ 2,310 $ 193
  • 3 .Amica Mutual $ 2,379 $ 198
  • 4 .Progressive $ 2,545 $ 212
  • 5 .Allstate $ 3,058 $ 255
  • 6 .Mercury $ 3,468 $ 289
  • 7 .Travelers $ 3,928 $ 327
  • 8 .State Farm $ 4,144 $ 345
  • 9 .Esurance $ 4,486 $ 374
  • 10 .MetLife $ 5,615 $ 468

Data from Experian shows that the average FICO score in New Jersey is 714. It ‘s not uncommon for policy agencies to look at credit scores when determining premiums. This is because research has shown that credit scores can be indicators of your likelihood of filing an policy claim. The above breakdown shows estimates of car policy prices for people with bad credit scores. Want lower car insurance rates ? Take the time to raise your credit sexual conquest. Doing this could help you save money in the long run.

Cheapest Car Insurance in New Jersey for Seniors

In New Jersey, senior drivers need to pay less for car indemnity than the average 40-year-old driver. The cost for senior drivers is $ 1,465 per year on average, $ 209 less than a typical driver. The cheapest car policy providers in New Jersey for elder drivers with fully coverage are :

  • GEICO: $937 per year
  • New Jersey Manufacturers: $1,140 per year

GEICO and New Jersey Manufacturers besides present the cheapest entire coverage options for the modal driver who is 40 years old .

Average Car Insurance Rates for Seniors
  • company annually monthly
  • 1 .GEICO $ 937 $ 78
  • 2. New Jersey Manufacturers $ 1,140 $ 95
  • 3 .Allstate $ 1,218 $ 102
  • 4 .State Farm $ 1,345 $ 112
  • 5 .Amica Mutual $ 1,383 $ 115
  • 6 .Progressive $ 1,472 $ 123
  • 7 .MetLife $ 1,500 $ 125
  • 8 .Travelers $ 1,672 $ 139
  • 9 .Esurance $ 1,786 $ 149
  • 10 .Mercury $ 2,195 $ 183

In a cogitation done by National Highway Traffic Safety Administration, 16 % of fatal car crashes in New Jersey in 2017 were caused by drivers older than 65 .
senior drivers in New Jersey who want to get the best rates should ask for discounts if they complete driver base hit courses, drive infrequently or have a vehicle with guard features. Taking the clock to compare cable car policy rates can besides ensure they get the most low-cost policy for their needs .
The following chart shows estimates of how much seniors in New Jersey can expect to pay for car policy. According to NOLO, New Jersey does not have particular provisions for senior drivers. Like other drivers, senior drivers in New Jersey must renew their licenses every four years.

Cheapest Car Insurance in New Jersey for Young Drivers

new drivers are much less have than people who have been driving for a while, so they pay more for car insurance. MoneyGeek ’ mho data shows that a policy for a 16-year-old costs an average of $ 4,172 per annum ; a 25-year-old pays, on median, for the like policy, $ 1,734 per year. MoneyGeek ’ second analysis shows that GEICO is the most low-cost indemnity ship’s company for young drivers between 16-25 years previous .

Annual Car Insurance In New Jersey for Young Drivers

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young drivers typically pay high rates for car insurance ascribable to their inexperience behind the rack. Helping your adolescent in New Jersey comparison shop class for indemnity before you add them to your policy can help keep costs low-cost. Raising your deductible is another way to lower premiums for a young driver. Just keep in mind that you pay more out of pouch if you raise your deductible and your adolescent gets into an accident.

Insurance Rate Information for Military Drivers and Veterans

New Jersey has more than than 7,000 active-duty military personnel living in the state along with over 400,000 veterans. Most car indemnity companies voluntarily offer military discounts both to show taste for those who serve and to stay competitive with other policy companies. Because your vehicle ‘s worth and your drive criminal record are factors in setting your insurance rate, it pays to shop around before buying coverage. once you have policy on the vehicle, you besides enjoy particular benefits with the New Jersey DMV. If you join the U.S. Armed Forces and already have a valid New Jersey registration, you can get a refund for the end of the registration period by writing a letter and submitting a form. Service-disabled or blind veterans can qualify for free registration under certain conditions .

Average Rates for New Jersey service members

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Car Insurance in New Jersey: What You Need to Know

All motor vehicle owners in New Jersey must have insurance to legally operate a fomite on submit roads .

Proof of Insurance in New Jersey

All drivers must show proof of insurance when registering a car or hand truck with the New Jersey Motor Vehicle Commission or when stopped by a police officer. failure to show proof of indemnity can lead to driver ‘s license suspension and revoke registration. proof of indemnity can consist of a newspaper or electronic New Jersey Insurance Identification Card for each vehicle under your policy .

Minimum Liability Insurance Requirements in New Jersey

New Jersey police has some of the lowest indebtedness indemnity requirements in the state, but it besides requires personal injury auspices. Drivers can select a basic policy that offers very little liability protection and a standard policy that offers more. The state says this option should alone be considered “ by those with few syndicate responsibilities and few real assets, ” but it is available to all drivers. A basic policy provides the bare minimal car indemnity coverage mandated by the country :

  • No bodily injury liability coverage included
  • $5,000 property damage liability per accident
  • $15,000 of personal injury protection per person or accident (up to $250,000 of personal injury protection for severe or permanent injuries)

With a standard policy, you get a minimum of :

  • $15,000 of bodily injury liability insurance per person; $30,000 per accident
  • $5,000 of property damage liability per accident
  • $15,000 of personal injury protection per person or accident (up to $250,000 of personal injury protection for severe or permanent injuries)

If you choose the standard policy, you besides have to check a box choosing between an outright or limited right to sue. If you do not make a option, the express insurance department warns that you may have only a limited right to sue following a car accident. As for the basic policy, only the “ limited correct to sue ” option is available .

Alternatives to Insurance in New Jersey

car insurance is mandate in New Jersey, but the type and price of that coverage can vary importantly. The Automobile Insurance Cost Reduction Act mandated that a basic policy be available to all drivers .

High-Risk Auto Insurance Program in New Jersey

NJPAIP Insurance is the assign hazard pool for drivers unable to obtain coverage in the New Jersey car indemnity voluntary commercialize .

How Much Coverage Do You Need in New Jersey?

Experts advise that you get much higher indebtedness coverage than the state requires if you can afford it. Consumer and insurance experts recommend liability coverage of $ 100,000 per wound and $ 300,000 per accident. You may besides want to consider comprehensive and collision insurance to protect your car, vitamin a well as uninsured motorist coverage in case a driver hits you without indemnity.

Cheapest Car Insurance in New Jersey by City

In New Jersey, car insurance rates differ between cities. For case, people who live in Newark pay an median of $ 1,775 every year for a wax coverage policy. For the residents of Jersey City, a broad coverage car policy costs an average of $ 1,573 per annum. Click on your city to discover more information about car indemnity rates in the area .

Average Insurance Rate by City in New Jersey

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  • City annually monthly
  • 1 .Jersey City $ 1,573 $ 131
  • 2 .Newark $ 1,775 $ 148

FAQs About Car Insurance in New Jersey

here are the answers to some normally asked queries about car insurance coverage and prices in New Jersey to help consumers make the right choice .

GEICO is the cheapest car insurance firm in New Jersey, with average annual rates of $ 499 for liability coverage. New Jersey Manufacturers is the next-best choice, with average costs of $ 769 per year .

As per MoneyGeek ’ s inquiry, New Jersey Manufacturers and GEICO are the best car policy companies in New Jersey, judging by their scores for affordability, customer gratification and claims avail .

In NJ, the average cost of car insurance is $ 1,674 per year or about $ 140 per month .

New Jersey drivers can reduce their car indemnity premiums by getting the correct coverage level for their needs and comparing the costs of respective insurers to find the lowest rates.

Expert Advice on Finding Cheap Car Insurance in New Jersey

To help you find trustworthy and accurate information on cable car indemnity in New Jersey, MoneyGeek received expert advice from prove professionals. The perspectives and opinions expressed are those of the individual subscriber .

  1. What are the key factors drivers in New Jersey should look for when searching for the best car insurance coverage ?
  2. What steps can drivers in New Jersey take to find low-cost car insurance ?

Gerard PintoGerard Pinto Gerard Pinto Assistant Professor of Finance at Drew University Loading … About the writerexpert-profileexpert-profile Laura Longero is an award-winning writer, content strategist, and communications drawing card with 15 years of feel in journalism, populace relations and market for start-ups to global companies. A give storyteller, she leads creative teams to produce target, high-quality contentedness. Highly organized and detail-oriented with a diagonal for legal action, she has a strong smell of urgency in driving projects to completion and enjoys creating holy order from chaos. Laura possesses especial experience in build up and leading teams – with a cutting eye for impregnable talent, particularly in cultivating future leaders .

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