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Get Cheap Car Insurance in New Jersey
We monitor insurance prices, helping the average driver in New Jersey save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in New Jersey
The chart below shows the cheapest car insurance company in New Jersey for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.
| New Jersey Insurer | Monthly Cost |
|---|---|
| State Farm | $73 |
| Geico | $76 |
| Plymouth Rock Assurance | $93 |
| NJM | $110 |
Savings for Every Kind of New Jersey Driver
Based on our extensive insurance data, we know the average New Jersey driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $577 per year by choosing the right vehicle insurance company. Some New Jersey residents are paying out over $2,201 extra every year for auto insurance in New Jersey. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
New Jersey Savings / Yr. |
|---|---|
$577 |
|
$1,070 |
|
$822 |
|
$709 |
|
$2,847 |
|
$555 |
|
$863 |
New Jersey Car Insurance vs. the United States
People living in New Jersey pay an average of 21.19% more than the typical driver in the nation. The average driver in New Jersey can expect to pay about $1,313 per year, or $2,201 for full coverage.
Based on our analysis, Geico will be the cheapest provider in New Jersey for most people.
Car Insurance Prices by New Jersey Neighborhood
Insurance Prices
Where is insurance cheapest within New Jersey?
The map shows insurance prices in and around New Jersey, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,116 per year within the state boundaries, with insurance premiums ranging from a high of $2,712 to a low of $1,596. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of New Jersey.Pick the Best Car Insurance Company for You in New Jersey
The best car insurance provider for most drivers in New Jersey
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $577 over the average New Jersey car insurance company.
The best car insurance provider for New Jersey drivers with accidents on their records
In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $1,070 over the competition.
The best car insurance company for New Jersey drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $822 better than other car insurance companies.
The best auto insurance for New Jersey drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $709 less each year.
The least expensive car insurance company for new and young drivers in New Jersey
In New Jersey, Geico costs young drivers $2,847 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in New Jersey
Geico gave the largest car insurance discounts to married couples, averaging $555 saved each year compared to an average New Jersey couple's premiums.
The cheapest car insurance in New Jersey for drivers with bad credit
The best New Jersey car insurance company for customer service
Nationwide was the best company for customer service in New Jersey according to the NAIC.
Recent price drops
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The cheapest large national provider in New Jersey
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average New Jersey driver can expect to pay about $112 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In New Jersey, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around New Jersey
What Influences the Cost of Car Insurance in New Jersey?
On average, car insurance in New Jersey is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in New Jersey is 41 minutes, which is far more than average for a driver in the nation.
- New Jersey state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in New Jersey are higher than average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- New Jersey is one of the least populated areas in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in New Jersey is $109 per month for minimum coverage and $183 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Delaware: Insurance costs 4.91% more
- Connecticut: Insurance costs 13.54% more
- New York: Insurance costs 78.28% more
- Maryland: Insurance costs 4.09% more
- Pennsylvania: Insurance costs 38.35% less
- District of Columbia: Insurance costs 13.63% more
- Rhode Island: Insurance costs 50.39% more
- Massachusetts: Insurance costs 26.85% less
- New Hampshire: Insurance costs 55.70% less
- Vermont: Insurance costs 54.88% less
States with Similar Populations
- California: Insurance costs 22.26% more
- Arkansas: Insurance costs 14.13% less
- Maine: Insurance costs 72.88% less
- Louisiana: Insurance costs 175.24% more
- Kansas: Insurance costs 25.72% less
- Iowa: Insurance costs 52.70% less
- Indiana: Insurance costs 54.70% less
- Illinois: Insurance costs 30.76% less
- Idaho: Insurance costs 61.20% less
- Hawaii: Insurance costs 43.75% less