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Car insurance in New Jersey

How to get cheap car insurance in New Jersey

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New Jersey

Car insurance quick facts

15/30/5

Minimum liability requirements

$1,400

Average annual car insurance cost

60

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare New Jersey car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
Geico$1,740,32521.8%
NJM$1,046,71913.1%
Progressive$926,29511.6%
Allstate$836,90310.5%
Plymouth Rock of New Jersey$620,7457.8%
State Farm$612,1987.7%
Liberty Mutual$557,4637.0%
USAA$311,1413.9%
Travelers$289,7113.6%
Farmers$222,4402.8%

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
$1,427
$1,728
$1,734
$7,798

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.

Car insurance quotes in Toms River

CompanyAnnual car insurance rate
Allstate$1441
Esurance$676
Mercury$1861
Geico$969
StateFarm$1002

Car insurance quotes in Lakewood

CompanyAnnual car insurance rate
Allstate$1441
Esurance$896
Mercury$2406
Geico$1154
StateFarm$1591

Car insurance quotes in Passaic

CompanyAnnual car insurance rate
Allstate$2277
Esurance$1022
Mercury$3067
Geico$1446
StateFarm$1876

Car insurance quotes in Bayonne

CompanyAnnual car insurance rate
Allstate$1905
Esurance$839
Mercury$2137
Geico$1007
StateFarm$1522

Car insurance quotes in Union City

CompanyAnnual car insurance rate
Allstate$2231
Esurance$1015
Mercury$2848
Geico$1306
StateFarm$1876

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.

What about SR-22 insurance?

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.

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2 Responses

  1. Default Gravatar
    FredMay 18, 2018

    Do you insure imported cars?

    • Avatarfinder Customer Care
      JoanneMay 18, 2018Staff

      Hi Fred,

      Thanks for reaching out.

      You can find imported car insurance by getting several quotes from standard insurers with cover for special vehicles. Then compare these with the quotes provided by specialist insurers.

      On the table displayed on this page you should see providers that might cover your imported car.

      Cheers,
      Joanne

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