Car Insurance Quotes New Jersey

By | September 20, 2025
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Car Insurance Quotes New Jersey

Car Insurance Quotes New Jersey

Finding the cheapest car insurance quotes in New Jersey can be a challenge, as drivers in the state usually pay more than the national average. In 2025, the average cost of a six-month full coverage policy in New Jersey is approximately $1,135, which is roughly 5% higher than the average cost for most U.S. drivers. Because of this, shopping around and comparing quotes from multiple providers is one of the best ways to save money while still getting quality protection.

Some insurers consistently stand out for offering lower rates in New Jersey. For example, NJM Insurance provides some of the cheapest full coverage options, averaging about $126 per month. GEICO also delivers competitive full coverage rates, while State Farm offers the most affordable liability-only policies at around $30 per month. Beyond price, customer service is another factor New Jersey drivers value.

State Farm earned high marks in J.D. Power’s 2023 Auto Insurance Study, while USAA remains a top choice for military families. Whether you are searching for the lowest liability coverage or a balance of affordability and service, comparing multiple New Jersey car insurance quotes helps you find the best fit for your budget and driving needs.

Car Insurance Quotes in New Jersey

  • Drivers in New Jersey often pay more for auto coverage compared to the national average.
  • In 2025, the average cost of a six-month full coverage policy is about $1,135, which is roughly 5% higher than the U.S. average.
  • While prices can feel steep, shopping around for quotes can make a big difference.

What Is The Cheapest Full Coverage in New Jersey

  • If you are looking for cheap full coverage, NJM Insurance is a strong option, with rates averaging $126 per month.
  • GEICO also offers competitive prices, making it another popular choice for budget-conscious drivers.

What Is The Cheapest Liability Coverage in New Jersey

  • For drivers who only want liability coverage, State Farm leads the pack with policies starting around $30 per month.
  • Liability-only insurance is the cheapest option, though it does not provide as much protection as full coverage.

What Is The Best Customer Service in New Jersey

  • When it comes to customer satisfaction, State Farm earned an 843 score in J.D. Power’s 2023 Auto Insurance Study for Mid-Atlantic drivers.
  • USAA also stands out with excellent service ratings, though eligibility is limited to military members and their families.

What Is The Best Overall Car Insurance in New Jersey

  • Taking into account pricing, customer reviews, and third-party ratings from J.D. Power and AM Best, NJM Insurance is widely regarded as the best overall choice for New Jersey drivers.

What Is The Average Car Insurance Quotes In New Jersey

Below are the insurers that offer the cheapest average car insurance quotes in New Jersey:

  • NJM Insurance: $778 for 6 months ($130 per month)
  • GEICO: $814 for 6 months ($136 per month)
  • Travelers: $932 for 6 months ($155 per month)
  • Progressive: $999 for 6 months ($166 per month)
  • Allstate: $1,181 for 6 months ($197 per month)
  • State Farm: $1,189 for 6 months ($198 per month)
  • Amica Mutual: $1,322 for 6 months ($220 per month)

What Is The Liability Requirements In New Jersey

New Jersey is unique because it offers two policy types:

Standard Policy:

  • $25,000 per person / $50,000 per accident for bodily injury, $25,000 for property damage, $15,000 in Personal Injury Protection (PIP), plus uninsured/underinsured motorist coverage.

Basic Policy:

  • Minimal coverage with $10,000 in property damage liability and optional $10,000 in bodily injury liability.

Your choice also affects your right to sue for pain and suffering. The Basic Policy limits lawsuits to severe injuries, while the Standard Policy lets you choose between limited or unlimited rights—though premiums are higher.

Cheap Liability Insurance in New Jersey

For New Jersey drivers, liability-only insurance usually costs around $482 for a six-month policy. Among top providers, State Farm and NJM Insurance consistently offer some of the lowest rates. Still, only 39% of drivers in New Jersey choose liability-only coverage because it provides less protection than full coverage.

Liability insurance is cheaper since it only pays for damage or injuries you cause to others; it does not cover your own vehicle. Before choosing this option, consider whether it gives you enough protection for your needs.

Cheapest Liability Coverage in New Jersey:

  • State Farm: $208 for 6 months ($35/month)
  • GEICO:  $294 for 6 months ($49/month)
  • NJM Insurance: $362 for 6 months ($60/month)
  • Progressive: $375 for 6 months ($63/month)
  • Travelers: $469 for 6 months ($78/month)
  • Amica Mutual: $542 for 6 months ($90/month)
  • Allstate: $738 for 6 months ($123/month)

Best Car Insurance Companies in New Jersey

  • To determine the best companies, this guide looks at J.D. Power auto insurer ratings and consumer reviews collected from nearly 3000 drivers across New Jersey and the US.

Best Car Insurance Companies in New Jersey

When it comes to balancing cost, service, and reliability, these insurers rank among the best choices for New Jersey drivers:

  • New Jersey Manufacturers (NJM): $778 for 6 months ($130/month)
  • State Farm: $1,189 for 6 months ($198/month)
  • Amica Mutual: $1,322 for 6 months ($220/month)

NJM stands out for offering some of the lowest full coverage rates in the state, while State Farm combines strong customer service with competitive liability pricing. Amica Mutual is well-regarded for customer satisfaction, though its premiums are higher.

Car Insurance Quotes in New Jersey’s Biggest Cities

Car insurance costs vary significantly across New Jersey, with drivers in larger cities typically paying higher premiums than those in suburban areas. Below is a look at average six-month and monthly rates in some of the state’s biggest cities:

  • Toms River: $1,079 for 6 months ($180/month)
  • Jersey City: $1,481 for 6 months ($247/month)
  • Elizabeth: $1,622 for 6 months ($270/month)
  • Paterson: $1,643 for 6 months ($274/month)
  • Newark: $1,702 for 6 months ($284/month)

Not surprisingly, insurance rates are lower in Toms River compared to urban areas like Newark and Paterson, where higher traffic density and accident risks drive up costs.

Car Insurance Quotes For Teens And Young Drivers In New Jersey

Young drivers, especially teens, face the highest car insurance premiums of any age group. Drivers between 16 and 19 years old usually pay the steepest rates since insurers view them as the riskiest due to limited driving experience. On average, teen drivers in New Jersey pay about $4,066 per year, which is more than 240% higher than what an average New Jersey driver pays.

If you are a teen driver or a parent shopping for your teen, GEICO, NJM Insurance, and State Farm tend to offer some of the most affordable options in the state.

Cheapest Car Insurance Quotes for Young Drivers in NJ:

  • GEICO: $1,782 for 6 months ($297/month)
  • New Jersey Manufacturers (NJM): $1,790 for 6 months ($298/month)
  • State Farm: $2,911 for 6 months ($485/month)
  • Amica Mutual: $3,159 for 6 months ($527/month)
  • Allstate: $3,578 for 6 months ($596/month)
  • Travelers: $3,585 for 6 months ($598/month)
  • Progressive: $5,296 for 6 months ($883/month)

While rates are high, comparing multiple quotes can help young drivers in New Jersey find coverage that balances affordability with solid protection.

Car Insurance Quotes New Jersey After Accident Ticket

Your driving record is one of the biggest factors in determining your car insurance rates. If you have been involved in a recent at-fault accident, insurers may consider you a higher-risk driver. In New Jersey, that can push your premiums up to an average of $2,379 per year. Tickets and traffic violations can also have a similar impact, making it essential to compare quotes if your record is not spotless.

Best Insurance Companies in NJ After an Accident:

Even with a recent accident, some insurers still provide relatively affordable rates. Here are the average six-month and monthly premiums from top providers:

  • New Jersey Manufacturers (NJM): $824 for 6 months ($137/month)
  • GEICO: $1,025 for 6 months ($171/month)
  • Travelers: $1,344 for 6 months ($224/month)
  • Amica Mutual:  $1,460 for 6 months ($243/month)
  • Progressive:  $1,589 for 6 months ($265/month)
  • State Farm: $1,687 for 6 months ($281/month)
  • Allstate: $2,491 for 6 months ($415/month)

NJM and GEICO are among the cheapest insurers for drivers with a recent accident, while Allstate tends to be the most expensive. Comparing multiple New Jersey car insurance quotes after an accident is the best way to keep your rates manageable.

How much is car insurance per month in New Jersey 

  • Your monthly auto insurance premium may vary for many reasons.
  • For a 30-year-old male driver in New Jersey, the average premium is $195 per month.

How to Get A Car Insurance Quotes in New Jersey

Getting a car insurance quote in New Jersey is a simple process that usually takes only a few minutes. To make it easier, have the following details ready before you begin:

 Driver Information:

  • Provide basic details for everyone who will be covered under the policy.
  • This includes driver’s license numbers, age, and driving history.

Vehicle Details:

  • Share information about the cars you want to insure, including the make, model, year, and Vehicle Identification Number (VIN).

Driving Record:

  • Insurance companies will ask about your past driving history, including accidents, tickets, or claims.
  • This helps determine your risk level and affects your quote.

Coverage Options:

  • Decide on the type of coverage you need.
  • New Jersey offers both a Standard Policy and a Basic Policy, each with different coverage levels and costs.
  • You can also adjust deductibles and add-ons like roadside assistance.

Get Your Quote:

  • Once you have provided the required details, you will receive a personalised estimate.
  • Compare rates from multiple insurers, like GEICO, NJM, and State Farm, to find the best mix of affordability and protection.

Finding the right car insurance quotes in New Jersey does not have to be complicated. While drivers in the state often face higher-than-average premiums, comparing rates from multiple insurers can help you secure the coverage you need at a price that fits your budget. Whether you are looking for affordable liability insurance, full coverage for extra peace of mind, or discounts for safe driving, companies like NJM, GEICO, and State Farm offer some of the most competitive options in the Garden State.