You can find the cheapest full-coverage car insurance in New Jersey for $110 a month from New Jersey Manufacturers. It saves you $49 compared to the state average car insurance cost of $159 monthly.
Shopping for car insurance in New Jersey can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in New Jersey should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, New Jersey Manufacturers stands out as the cheapest option for full coverage car insurance in New Jersey, with an insurance premium of $110 per month.
- Drivers in New Jersey with a clean record pay 42% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in New Jersey is Brielle, with an annual premium of $1,602 .
- New Jersey drivers can save up to 31% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance in New Jersey?
New Jersey Manufacturers offers the cheapest car insurance rates in New Jersey for a full coverage policy with an average premium of $110 per month or around $1,318 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in New Jersey by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in New Jersey per month
| Company | Full Coverage Monthly Rates |
|---|---|
| New Jersey Manufacturers | $110 |
| Geico | $130 |
| Travelers | $142 |
| Plymouth Rock Assurance | $145 |
| Selective Insurance | $159 |
| State Farm | $179 |
| Progressive | $182 |
| Farmers | $188 |
| Allstate | $191 |
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New Jersey drivers who pay lower insurance premiums
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 4% less than single drivers.
- New Jersey drivers with clean records pay 42% less than drivers who have a DUI on their records.
- New Jersey drivers in their 20s pay 63% lower rates for insurance than a 16-year-old in New Jersey.
- Adding a teen to your policy will cost you 66% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 29% less on their insurance premiums.
- Drivers insured for three or more years can save up to 25% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 2% for this state more on their premiums.
Cheapest New Jersey companies for different coverage levels
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- New Jersey Manufacturers is the cheapest for a state minimum policy.
- New Jersey Manufacturers has the cheapest rates for a liability-only policy (50/100/50).
- New Jersey Manufacturers offers the cheapest car insurance for a full coverage policy (100/300/100) in New Jersey.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest state minimum coverage in New Jersey
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In New Jersey, you must have at least the following insurance coverage on your car.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in New Jersey, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| New Jersey Manufacturers | $560 |
| Geico | $588 |
| Plymouth Rock Assurance | $618 |
| Selective Insurance | $895 |
| Allstate | $936 |
| Progressive | $952 |
| Travelers | $983 |
| Farmers | $1,073 |
| State Farm | $1,089 |
Cheapest New Jersey insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in New Jersey, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| New Jersey Manufacturers | $560 |
| Plymouth Rock Assurance | $668 |
| Geico | $679 |
| Selective Insurance | $985 |
| Progressive | $993 |
| Allstate | $1,020 |
| Travelers | $1,043 |
| Farmers | $1,101 |
| State Farm | $1,186 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in New Jersey
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in New Jersey from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full Coverage Annual Rates |
|---|---|
| New Jersey Manufacturers | $1,318 |
| Geico | $1,563 |
| Travelers | $1,706 |
| Plymouth Rock Assurance | $1,737 |
| Selective Insurance | $1,908 |
| State Farm | $2,153 |
| Progressive | $2,187 |
| Farmers | $2,254 |
| Allstate | $2,294 |
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in New Jersey by driving history
In New Jersey, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In New Jersey, drivers with a history of traffic violation pay an average of $1,304 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates in New Jersey after a speeding ticket
If you have a speeding ticket on your New Jersey driving record and you are looking for cheap car insurance, New Jersey Manufacturers offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,704 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| New Jersey Manufacturers | $1,421 | $1,704 | 20% | $284 |
| Plymouth Rock Assurance | $1,288 | $2,096 | 63% | $808 |
| Allstate | $2,167 | $2,636 | 22% | $469 |
| Progressive | $2,385 | $2,905 | 22% | $520 |
| Travelers | $2,139 | $3,127 | 46% | $988 |
| Mercury Insurance | $2,541 | $3,437 | 35% | $896 |
| State Farm | $2,060 | $3,439 | 67% | $1,379 |
| Farmers | $3,935 | $4,838 | 23% | $903 |
Cheapest car insurance premiums in New Jersey after a DUI conviction
New Jersey Manufacturers offers the cheapest car insurance to New Jersey drivers with a DUI conviction at $1,704 per year and Plymouth Rock Assurance has the second-cheapest insurance premiums at $2,192 a year, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 42% less than drivers with a DUI on their record.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| New Jersey Manufacturers | $1,421 | $1,704 | 20% | $284 |
| Plymouth Rock Assurance | $1,288 | $2,192 | 70% | $904 |
| Progressive | $2,385 | $2,685 | 13% | $300 |
| Geico | $1,356 | $2,708 | 100% | $1,352 |
| Allstate | $2,167 | $3,052 | 41% | $885 |
| Travelers | $2,139 | $3,446 | 61% | $1,307 |
| Mercury Insurance | $2,541 | $3,816 | 50% | $1,275 |
| Farmers | $3,935 | $5,053 | 28% | $1,119 |
| State Farm | $2,060 | $8,028 | 290% | $5,968 |
Cheap car insurance rates in New Jersey after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Plymouth Rock Assurance, at $1,380 a year.
On the other hand, Geico offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,888 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Plymouth Rock Assurance | $1,288 | $1,380 | 7% | $92 |
| Geico | $1,356 | $1,888 | 39% | $532 |
| State Farm | $2,060 | $3,383 | 64% | $1,323 |
| Progressive | $2,385 | $3,543 | 49% | $1,158 |
| Travelers | $2,139 | $3,669 | 72% | $1,530 |
| Mercury Insurance | $2,541 | $4,426 | 74% | $1,885 |
| Allstate | $2,167 | $4,954 | 129% | $2,787 |
| Farmers | $3,935 | $8,651 | 120% | $4,716 |
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in New Jersey have the lowest auto insurance rates?
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Brielle is the city with the lowest premiums in New Jersey at an annual auto insurance rate of $1,602 .
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of New Jersey cities with the lowest car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Brielle | $1,602 |
| Manasquan | $1,602 |
| Mantoloking | $1,602 |
| Normandy Beach | $1,602 |
| Point Pleasant | $1,602 |
| Sea Girt | $1,602 |
| Belmar | $1,609 |
| Spring Lake Heights | $1,618 |
| Allenwood | $1,621 |
| Avon-by-the-Sea | $1,633 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in New Jersey?
If you compare car insurance quotes, you could enjoy an annual saving of around 31% on a full coverage policy in New Jersey.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in New Jersey: Save on premiums
New Jersey drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in New Jersey.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 4% | $104 |
| Anti-theft device | 1% | $28 |
| Daily commute | 8% | $200 |
| Days advanced purchase | 7% | $200 |
| Days per week driven | 2% | $33 |
| Education | 3% | $124 |
| Electronic funds transfer | 3% | $76 |
| Electronic signature | 10% | $386 |
| Homeowner | 10% | $305 |
| Lower annual mileage | 3% | $85 |
| Loyalty – years renewal with company | 8% | $183 |
| Marital status | 4% | $129 |
| Multi policy | 9% | $242 |
| Paperless/electornic documents | 2% | $57 |
| Payment type | 5% | $130 |
| Primary use | 9% | $199 |
| Profession | 8% | $326 |
| Purchase status | 6% | $159 |
| Safety devices | 4% | $106 |
| Telematics | 8% | $238 |
| Vehicle ownership | 11% | $299 |
| Years insured | 24% | $1,109 |
| Years licensed | 28% | $2,849 |
Final thoughts on cheap car insurance in New Jersey
Based on our research, if you are a good driver, New Jersey Manufacturers is the cheapest in New Jersey for a full coverage policy.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in New Jersey, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of New Jersey for three different coverage levels:
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of New Jersey