Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid agreement of insurance products including family, life, car, and commercial and working immediately with policy customers to understand their needs. She has since used that cognition in her more than ten years as a writer, largely in the insuranc …

Full Bio →

Written by

Leslie Kasperowicz

Farmers CSR for 4 Years

Joel Ohman is the CEO of a private equity-backed digital media company. He is a certify FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating newfangled things, whether books or businesses. He has besides previously served as the founder and house physician CFP® of a national insurance means, real Time Health Quotes. He besides has an MBA from the University of South Florid …
Full Bio →

Reviewed by

Joel Ohman

Founder, CFP®

Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
Get Your Rates Quote Now

Compare RatesStart Now → AutoInsureSavings.org licensed agents did a comparison shopping study of New Jersey car indemnity companies and found State Farm at $417 per year provides the cheapest car policy for minimum coverage policies .
Travelers at $1,277 per year provide the most low-cost car policy for drivers in New Jersey who prefer a full coverage policy .

Cheapest Car Insurance in New Jersey

Drivers have several options to choose from when purchasing a new car policy policy in New Jersey to find the best rates .

Cheapest Car Insurance in New Jersey – Quick Hits
AutoInsureSavings.orgThe cheapest New Jersey car insurance options are:

Cheapest for minimum coverage: State Farm
Cheapest for full coverage: Travelers Insurance
Cheapest after an at-fault accident: NJM Insurance
Cheapest after a speeding ticket: Travelers
Cheapest after a DUI: Progressive
Cheapest for poor credit history: GEICO
Cheapest for young drivers: GEICO
For young drivers with a speeding violation: NJM Insurance
For young drivers with an at-fault accident: GEICO

Get Your Rates Quote Now

Compare RatesStart Now → In this New Jersey car indemnity lead, you will find comparisons between some of the industry ’ sulfur best car policy companies and their best rates to help you save money and find cheap car policy .
Cheapest auto insurance in New Jersey from State Farm, New Jersey Manufacturers Insurance, and USAA compared to average rates.

Free Auto Insurance Comparison

record your ZIP code below to view companies that have cheap car indemnity rates .

Secured with SHA-256 Encryption

Cheapest Car Insurance for Minimum Coverage in New Jersey

The car policy company offering the cheapest annual average rates for minimal coverage is State Farm, which provided us a quotation mark at $417 per year or a $ 34 monthly rate. State Farm ’ second rate is 47 % less expensive than New Jersey ’ mho average of $ 783 per year, so it is the cheapest car insurance company for a minimum coverage level .
The adjacent well policy choice for coverage in New Jersey is NJM which provided our agents a cheap rate at $ 489 per year or $ 294 less per class than modal rates .

Insurer Annual cost Monthly cost
State Farm $417 $34
New Jersey Manufacturers (NJM) $489 $41
USAA $498 $42
GEICO $515 $43
Progressive $624 $52
Travelers $676 $56
Allstate $856 $71
Plymouth Rock $899 $75
New Jersey average $783 $65
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → *USAA is for qualify military members, their spouses, and steer family members. Your car insurance rates may vary based on the driver ’ mho profile .
many New Jersey drivers choose state of matter minimum coverage to stay legal on the road and pay the lowest rates. The dispute between the cost of minimal and full coverage policies in New Jersey is $ 1,096 per class .

Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
Get Your Rates Quote Now

Compare RatesStart Now → Although minimum coverage offers savings and helps many New Jersey drivers stay within their budget, there is constantly the gamble of insufficient protection while driving. You want to thoroughly know your coverage options and your budget .
If a crash occur while driving in New Jersey and you alone have state minimum coverage and the damages you caused exceed your policy limits. In that case, you will be responsible for paying for the remaining damage out of air pocket .

Cheapest Full Coverage Car Insurance in New Jersey

The insurance caller offering the cheapest rates for full moon coverage car policy in New Jersey is Travelers, which provided our agents a $1,277 yearly rate. Traveler ’ s insurance rate is 33 % cheaper than the average $ 1,879 quote in New Jersey .

Insurer Annual cost Monthly cost
Travelers $1,277 $106
GEICO $1,354 $112
State Farm $1,414 $117
NJM $1,471 $122
Progressive $1,545 $128
New Jersey average $1,879 $156
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → While full coverage may not be required, it is an excellent coverage option to ensure you will not have to pay for damages out of pocket .
Full coverage includes comprehensive and collision coverage, while submit minimum coverage doesn ’ triiodothyronine .

Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
Get Your Rates Quote Now

Compare RatesStart Now → According to the Insurance Information Institute ( III.org ), collision and comprehensive examination coverage will pay for place damage to your motor vehicle no matter who is at fault and from cases of inclement weather or unintentionally hitting a street gestural .

Cheapest Car Insurance with a Speeding Ticket in New Jersey

For drivers with a speeding misdemeanor in New Jersey, the cheapest car insurance is with Travelers, which offered us a quote of $1,355 per year or $ 112 a month. Traveler ’ sulfur rate is $ 964 less expensive than modal .

Insurer Annual cost Monthly cost
Travelers $1,355 $112
State Farm $1,580 $121
NJM $1,816 $151
New Jersey average $2,319 $178
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → The sum your car policy rates will increase after you receive a accelerate ticket will vary based on how fast you were going above the amphetamine limit and how many tickets you have on your drive record .
Our inquiry found the average rate addition after traffic tickets in New Jersey is 19 % .

Cheapest Car Insurance in New Jersey with an At-Fault Accident

The cheapest full moon coverage car quotation mark for drivers in New Jersey with one at-fault accident is NJM. They provided us a quotation at $2,067 annually or 34 % cheaper than the average $ 3,123 rate. Your following best option is State Farm, with a 25 % less expensive rate at $ 2,361 per year .

Insurer Annual cost Monthly cost
NJM $2,067 $172
State Farm $2,361 $196
GEICO $2,650 $220
New Jersey average $3,123 $260
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → Keep in judgment the policy company that offers the cheapest car indemnity rates after a cable car accident will vary from one driver to the following. insurance providers determine your premium cost based on your senesce, driving history, credit rat, and several early factors .

Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
Get Your Rates Quote Now

Compare RatesStart Now → While many drivers can save more by choosing New Jersey Manufacturers ( NJM ), early drivers in New Jersey who have one or more car accidents on their repel records may save more money by choosing a different company such as State Farm or GEICO .

Cheapest Car Insurance with a DUI in New Jersey

The car insurance company with the cheapest car indemnity for drivers in New Jersey with a DUI conviction is Progressive, which provided AutoInsureSavings.org agents a $2,498 quote for wax coverage .
liberal ’ mho rate is 37 % less expensive than New Jersey ’ mho average of $ 3,912 per class for a DUI .

Insurer Annual cost Monthly cost
Progressive $2,498 $208
GEICO $2,789 $232
NJM $2,917 $224
New Jersey average $3,912 $326
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → According to the Department of Law and Public Safety in New Jersey, drivers will pay a $ 1,000 surcharge for car indemnity for three years, and you can expect car policy rates to increase american samoa a lot as 52 % after being convicted of a DUI .
You will besides have a driver ’ sulfur license forfeit ( passing of driving privileges ) until an ignition interlock device ( BAIID ) is installed in your motive fomite and a minimum of six hours at the Intoxicated Driver Resource Center in New Jersey .

Cheapest Car Insurance with Poor Credit in New Jersey

The policy supplier with the cheap car insurance for drivers in New Jersey with a hapless credit score is GEICO, with a $1,855 annual rate or $ 154 per calendar month for our sample 30-year-old male .
NJM is your next cheap option with a $ 175 monthly rate or 37% less expensive than the average cost of car policy in New Jersey for drivers with bad credit .

Insurer Annual cost Monthly cost
GEICO $1,855 $154
NJM $2,109 $175
State Farm $2,568 $214
New Jersey average $3,313 $276
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → Drivers who have a inadequate or bad accredit score are more probably to be at increased hazard for car policy companies in New Jersey, and consequently these providers will increase rates based on these risks. Make surely to pay your credit cards and bills on clock time to keep your car indemnity rates gloomy with effective credit .

Cheapest Car Insurance for Young Drivers in New Jersey

If you are a young driver looking to save money on car policy, compare quotes with GEICO Insurance. They provided our policy agents a $3,613 quote for those with a clean drive record. Travelers Insurance is 37% cheaper than New Jersey ’ s young driver rate of $ 5,102 per year .
State Farm offers the most low-cost coverage rate for young drivers ’ minimal coverage indemnity policies at $1,588 per year or a $ 102 monthly pace .
early car insurers to compare multiple car policy quotes for country minimums are GEICO and Travelers for young or adolescent drivers. Both car indemnity companies in New Jersey are 31 % cheaper than the statewide modal rate .

Insurer Full coverage Minimum coverage
GEICO $3,613 $1,614
Travelers $3,767 $1,780
USAA $3,817 $1,489
NJM $4,038 $1,976
State Farm $4,445 $1,588
Progressive $5,239 $1,947
Liberty Mutual $5,577 $2,019
Allstate $8,123 $2,250
Plymouth Rock $8,218 $2,770
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → *USAA is for qualified military service members, their spouses, and direct kin members. Your car indemnity rates may vary based on the driver ’ mho profile .
Our indemnity agents recommend younger drivers go on their parent ’ second policy to find the most car insurance savings per year. The monetary value of car indemnity in New Jersey for younger drivers is $ 5,102 for a standalone policy. Adding the driver to their parent ’ s policy is more low-cost, lowering car insurance costs by $ 1,200 per year .

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

If you are a adolescent driver with a speeding trespass in your driving history, the cheapest policy premium is NJM at $4,038 per year or a $ 336 monthly rate .
NJM ’ mho rate is $ 1,622 cheaper than New Jersey ’ randomness average for young drivers with a travel rapidly misdemeanor, or 29 % less expensive .

Insurer Annual cost Monthly cost
NJM $4,038 $336
GEICO $4,127 $343
State Farm $4,466 $372
New Jersey average $5,660 $471
Get Your Rates Quote Now #blank# #blank#

compare Rates

Start Now →

Cheapest Car Insurance for Young Drivers with a Car Accident

According to AutoInsureSavings.org agent ’ sulfur study, young New Jersey drivers with one at-fault accident can find the best car policy coverage with GEICO .
GEICO ’ randomness rate at $4,413 per year is $ 3,707 less expensive than the New Jersey average at-fault accident pace of $ 8,120 for younger drivers .

Insurer Annual cost Monthly cost
GEICO $4,413 $367
NJM $4,490 $374
State Farm $5,911 $492
New Jersey average $8,120 $676
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now →

Best Car Insurance Companies in New Jersey

According to our recent customer survey and the best rates shown in this scout, Allstate, Travelers, and State Farm are three of the best car insurance options if your primary concern is customer serve and claims satisfaction .
ValuePeguin had like results with Allstate as the best for customer service and State Farm as the best car insurance company in New Jersey for claims satisfaction .

Auto insurer % of respondents extremely satisfied with recent claim % of respondents rated customer service as excellent
Allstate 76% 49%
Travelers 75% 39%
State Farm 74% 41%
Progressive 71% 40%
GEICO 70% 35%
Plymouth Rock 67% 48%
NJM n/a n/a
Get Your Rates Quote Now #blank# #blank#

Compare RatesStart Now → It is crucial to remember that one driver ’ sulfur best car insurance caller may not be the best option for another. many factors help determine how a lot your car policy premium will be .
AutoInsureSavings.org licensed agents besides looked at each insurance company ’ s complaint index from the National Association of Insurance Commissioners ( NAIC ), J.D. Power claims satisfaction grade and their A.M. Best fiscal forte ratings .

Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
Get Your Rates Quote Now

Compare RatesStart Now → Plymouth Rock has the lowest complaint exponent with NAIC at 0.06, meaning Plymouth Rock received 6 % of complaints compared to other car insurers of equal market parcel .
Plymouth Rock lacked a J.D. Power claims satisfaction score but had an “ A ” fiscal military capability denounce with A.M. Best .
NJM Insurance has a 0.08 NAIC ’ s complaint index rating, with J.D. Power claims score of 909, with an “ A+ ” fiscal strength rate with A.M. Best. If a abject price and excellent customer service is a priority, our insurance agents recommend NJM Insurance .

Insurer NAIC complaint index J.D. Power Claims Satisfaction AM Best Rating
Plymouth Rock 0.06 n/a A
NJM Insurance 0.08 909 A+
Travelers 0.26 861 A++
Allstate 0.27 876 A+
State Farm 0.30 881 A++
Progressive 0.40 856 A+
GEICO 0.76 871 A++
Get Your Rates Quote Now #blank# #blank# #blank#

Compare RatesStart Now → All New Jersey car indemnity companies had fiscal persuasiveness ratings of “ A ” or better from AM Best, which means each company had “ excellent ” or “ superior ” fiscal potency to cover indemnity claims .
All New Jersey car indemnity companies had fiscal forte ratings of “ A ” or better from AM Best, which means each company had “ excellent ” or “ ranking ” fiscal persuasiveness to cover policy claims .

Average Car Insurance Cost by City in New Jersey

Your energy code is a component car indemnity companies in New Jersey function to determine your rate, arsenic well as credit rating scores, coverage levels, drive records, and type of motive vehicle .
Depending on driver profiles and slide fastener code, full coverage car insurance rates can vary by $ 826 per year in New Jersey. Auto insurers will charge more for coverage in large urban cities with more cable car accidents and higher car larceny rates .

Cheapest Auto Insurance in Newark, NJ

Newark drivers can find the cheapest car policy coverage for their motor vehicle with Travelers, which provided our agents a $1,618 annual quote or $ 134 per calendar month for a full coverage policy .
Travelers ’ quotation mark is 40 % less expensive than the $ 2,614 citywide average rate .

Newark Company Average Premium
Travelers $1,618
State Farm $1,825
NJM Insurance $1,941
Newark average $2,614
Get Your Rates Quote Now #blank#

Compare RatesStart Now →

Cheapest Auto Insurance in Jersey City, NJ

Jersey City drivers can look to NJM Insurance for the cheapest coverage rates, with a quote at $1,567 per year with full coverage policy. NJM ’ randomness pace is 40 % cheaper than Jersey City ’ s $ 2,583 modal rates for similar driver profiles .

Jersey City Company Average Premium
NJM Insurance $1,567
State Farm $1,712
GEICO $1,845
Jersey City average $2,583
Get Your Rates Quote Now #blank#

Compare RatesStart Now →

Cheapest Auto Insurance in Paterson, NJ

AutoInsureSavings.org licensed agents establish car indemnity premiums are brassy with State Farm for Paterson, New Jersey residents at $1,437 per year or $ 119 per month. State Farm ’ second pace is 37 % less expensive than Paterson ’ randomness average rate of $ 2,248 annually .

Paterson Company Average Premium
State Farm $1,437
NJM Insurance $1,511
GEICO $1,710
Paterson average $2,248
Get Your Rates Quote Now #blank#

Compare RatesStart Now →

Cheapest Auto Insurance in Elizabeth, NJ

Drivers in Elizabeth can get cheap car indemnity with Travelers Insurance, which provided our accredited agents a $1,533 annual rate for a entire coverage policy with $ 100,000 in indebtedness indemnity. Travelers ’ quote is 34 % less expensive than the average $ 2,294 annual rate in Elizabeth .

Elizabeth Company Average Premium
Travelers Insurance $1,533
NJM $1,580
GEICO $1,646
Elizabeth average $2,294
Get Your Rates Quote Now #blank#

Compare RatesStart Now →

Cheapest Auto Insurance in Lakewood, NJ

Lakewood drivers can find the cheapest car insurance coverage policy with GEICO, which offered us a $1,597 annual rate  for our sample 30-year-old male driver. GEICO ’ south car indemnity rate is $ 722 less annually than Lakewood ’ mho average of $ 2,319 per class .

Lakewood Company Average Premium
GEICO $1,597
Liberty Mutual $1,714
NJM Insurance $1,766
Lakewood average $2,319
Get Your Rates Quote Now #blank#

Compare RatesStart Now →

Cheapest Auto Insurance in Woodbridge, NJ

In Woodbridge, drivers will find the cheapest policy rates with NJM Insurance, which provided our agents a $1,317 annual quote for a 30-year-old driver with full coverage. NJM ’ s $ 109 monthly rate is 42 % less expensive than Woodbridge ’ s $ 2,259 average .

Woodbridge Company Average Premium
NJM Insurance $1,317
GEICO $1,469
Plymouth Rock $1,715
Woodbridge average $2,259
Get Your Rates Quote Now #blank#

Compare RatesStart Now →

Average Car Insurance Cost for All Cities

Compare RatesStart Now →

minimal Auto Insurance Requirements in New Jersey

People who buy a basic policy in New Jersey must maintain fiscal province with the minimum liability requirements with bodily injury indebtedness and property damage liability, including personal injury security ( PIP ) .

Liability coverage Minimum requirements
Bodily injury liability $15,000 per person and $30,000 per accident
Property damage liability $5,000 per accident
Personal injury protection (PIP) $15,000 per person and $30,000 per accident
Get Your Rates Quote Now #blank#

Compare RatesStart Now → While you may have a car insurance policy with minimum coverage limits, AutoInsureSavings.org licensed agents recommend getting higher indebtedness limits for more indebtedness protection with a full coverage policy. According to the Department of Banking and Insurance in New Jersey, we recommend getting uninsured motorist coverage since the uninsured motorist rate is 14.9 % .
Full coverage includes collision and comprehensive insurance for more auspices for place damage to your fomite .

Frequently Asked Questions

Who has the cheapest car insurance in New Jersey?

Travelers Insurance offers some of the most low-cost rates, $ 1,277 per class for full coverage in New Jersey. An excellent alternate option is GEICO, with $ 1,354 per year indemnity rates. While they are low-cost, Travelers and GEICO are besides top-rated regarding overall customer avail and gratification .
Travelers have a claims gratification seduce of 861 from J.D. Power and an A++ rat from A.M. Best, while GEICO has a score of 871 and an A++ rate .

How much is car insurance in New Jersey per month?

Our inquiry found the average rate of car policy in New Jersey per calendar month is $ 65 for state minimum and $ 1,879 per class for wide coverage. State Farm offers drivers in New Jersey a potential save of around $ 31 for minimal coverage, and Travelers offers potential savings of $ 50 monthly for policies with comprehensive and collision coverage .

How much will my car insurance rise with a speeding violation in New Jersey?

In New Jersey, drivers can expect a rate increase by angstrom much as $ 440 per year or 19 % after receiving a traffic ticket. That is an annual average of $ 2,319 .
The national modal rate drivers pay after they receive a travel rapidly violation is $ 1,727. Drivers in New Jersey yield about $ 592 more than that .

How much is full coverage car insurance in New Jersey?

The average pace for broad coverage car indemnity in New Jersey is $ 156 per month or $ 1,879 annually. The cheapest provider we found for wide coverage policy in the state is Travelers. Their median rate for this type of coverage is $ 106 per calendar month or $ 1,277 annually .

How do I save on car insurance in New Jersey?

There are many unlike ways to save on New Jersey car policy. The beginning is to compare car policy rates from top car indemnity companies in the area. Finding out about a money-saving driver rebate you are eligible for is another means. Being a safe driver with a clean tug record, keeping track of your recognition report, and taking out multiple life policies or homeowners ’ insurance from companies that offer them .
To help you save or learn more about cheaper cable car policy companies in New Jersey, contact the car policy experts at AutoInsureSavings.org. Our accredited indemnity professionals will be happy to answer any questions you have .

Methodology

AutoInsureSavings.org comparison patronize study collected insurance rates for respective energy codes in New Jersey. We used a full-coverage car policy with personal wound protection for a 30-year-old driving a 2018 Honda Accord with the comply coverage limits :

Coverage type Study limits
Bodily injury liability $50,000 per person / $100,000 per accident
Property damage liability $25,000 per accident
Personal injury protection $10,000
Uninsured / underinsured motorist bodily injury $50,000 per person / $100,000 per accident
Comprehensive and collision coverage $500 deductible
Get Your Rates Quote Now #blank#

Compare RatesStart Now → AutoInsureSavings.org used state minimum coverage policies comparing New Jersey cable car insurance for collecting quotes. We used median rates for other driver profiles in New Jersey with an accident history, credit score, and marital condition for other New Jersey rate analyses. We used indemnity pace data from Quadrant Information Services, which are publicly available for relative purposes only. Your rates may vary when you get quotes.

Sources

– NJ.gov Office of Attorney General Highway Safety. “ Dui Car Insurance & Penalties. ”
– New Jersey Department of Banking and Insurance. “ Uninsured Motorist Coverage. ”
– National Association of Insurance Commissioners. “ Market Share Reports for Property/Casualty Groups and Insurance Companies. ”
– National Highway Traffic Safety Administration. “ Traffic Safety Facts. ”
– NJ.gov. “ general Auto Insurance Information. ”
– Nolo.com. “ New Jersey No-Fault Car Insurance. ”
editorial Guidelines : We are a free on-line resource for anyone interest in learning more about car indemnity. Our finish is to be an objective, third-party resource for everything car policy related. We update our locate regularly, and all contentedness is reviewed by car insurance experts .

Leave a Reply

Your email address will not be published. Required fields are marked *