Compare car insurance in New Jersey

Compare New Jersey car insurance

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Optional			Yes	All 50 states	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from The Hartford		Optional			Yes	All 50 states	Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.	Get quotes More Info	Compare	loading Fetching your data...
Metromile		Optional			49%	AZ, CA, IL, NJ, OR, PA, VA, WA	Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.	Get quotes More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	Get quotes More Info	Compare	loading Fetching your data...

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Most popular New Jersey auto insurance companies list

Average car insurance costs in New Jersey

Drivers in New Jersey paid in the ballpark of $1,300 to $1,400 annually for their auto insurance coverage in 2017, slightly above the $1,300 national average. So if you’re looking to buy a standard policy here and you’re older than 25, you can expect to pay something in that range.

However, because car insurance is affected by so many different factors, your costs could also fall well outside of that average range.

Cheapest car insurance in New Jersey

Company	Average annual rate	Learn more
	$490
	$659
	$705
	$1,420	Get a quote
	$1,427	Get a quote
	$1,728	Get a quote Read review
	$1,734	Read review
	$7,798	Get a quote

• How we got these rates

  We used data from roughly 500,000 sample drivers who live in each of the ZIP codes in New Jersey. Our sample drivers ranged in age from under 18 to older than 56 and included both male and female drivers, as well as married couples and single drivers. Our sample policies also ranged in coverage type, falling into one of four categories:

  • State minimum coverage
  • Low coverage
  • Medium coverage
  • High coverage

  Four sample vehicles were used in this sample survey:

  • 2017 Toyota Camry LE
  • 2017 Honda Pilot EX
  • 2017 Chrysler Town & Country
  • 2017 Ford F-150 XL

  We then compared this data with identical data for sample drivers throughout the state of New Jersey to see how Trenton policies compared with other New Jersey cities.

Which city has the cheapest car insurance in New Jersey?

Of New Jersey’s largest cities, Toms River has the cheapest rates and Passaic has the most expensive car insurance rates. Passaic drivers could face rates 4 times more than Toms River drivers.

• Toms River
• Lakewood
• Passaic
• Bayonne
• Union City

State minimum requirements in New Jersey

Jersey handles insurance regulations a bit different compared to other states. To meet the legal minimums, drivers can choose the basic or standard policy, with the option to go beyond these two policies for more coverage.

Basic policy

• Bodily injury liability. It’s not required, but $10,000 coverage for all persons per accident is available as an option.
• Property damage liability. $5,000 per accident.
• Personal injury protection. $15,000 per person, per accident.

Standard policy

• Bodily injury liability. $15,000 per person; $30,000 per accident.
• Property damage liability. $5,000 per accident.
• Personal injury protection. $15,000 per person, per accident.

Can I get SR-22 insurance in New Jersey?

Yes, you can get SR-22 insurance in New Jersey, which is a document your insurance provider files with the state that proves you have the minimum coverage required to get behind the wheel. You might need an SR-22 certificate if you’ve gotten a DUI, lost your license or been caught driving without insurance.

Insurance help for low-income drivers

If you meet certain requirements, you might qualify for Special Automobile Insurance Policy (SAIP), New Jersy’s low-cost medical coverage-only policy. The cost is just $360 a year if you pay the entire amount upfront, or $365 if you pay in two installments. Drivers who are enrolled in Federal Medicaid with hospitalization are eligible. And you can obtain a policy through most insurance providers.

Bottom line

Car insurance is legally required in New Jersey and provides a financial safety net in case of a serious accident. Look into your coverage options to find out what’s best for you once you’ve met the legal minimums.

To learn more, from the best discounts and deals on auto insurance to the different rules and regulations across the country, visit the comprehensive guide to car insurance.

Questions about New Jersey car insurance

• How do I dispute a New Jersey toll or fee?

  The New Jersey Turnpike Authority is notorious for high tolls, fees and fines. Luckily the process to pay or dispute charges is fairly straightforward even if you’re from out of state. You should receive a bill in the mail, followed by a final notice if you don’t pay within a certain time frame. You can pay or make a dispute by mail, phone or online.

  You might be shocked to see a $7 toll become a $57 bill after adding $50 of administrative fees. Want to get those mysterious admin fees waived? The easiest method to dispute the fee is to call support. Have your account or activity number ready. Currently, the phone options allow you to speak to a representative if you choose the phone option for EZ Pass members. Ask for the fee to be waived and ask to speak to a manager or another rep if the first person you call refuses. Customer support is authorized to waive one fee but is able to waive multiple fees when pressed. Don’t accept a callback, just continue to politely request a new customer support tech. It’s a simple process that could take up to 15 to 30 minutes during long wait times, but it could save you $50 or more.

• What's Kyleigh's Law

  This law in New Jersey was passed in 2010 to help police identify drivers under 21. Drivers under 21 with a probationary driver’s license are required to follow extra rules in New Jersey, like most states, including not driving between 11 pm and 5 am and not driving with more than one passenger. These young drivers must display special decals on their car’s license plates. The law was named for Kyleigh D’Alessio, a 16-year-old who was killed by a teen driver who was driving with three passengers. Drivers who fail to follow these rules could be fined $100 if pulled over by the police.