The cheapest full coverage car insurance in New Jersey is $110, saving you $49 compared to the average cost of insurance in the state, which is around $159 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in New Jersey, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- According to recent data, New Jersey Manufacturers offers the cheapest full coverage car insurance in New Jersey at $110 per month.
- New Jersey drivers with a clean driving record pay 42% less for car insurance than drivers with a DUI.
- In New Jersey, the city of Brielle has the most affordable car insurance rates at $1,602 annually.
- Comparing price quotes from multiple insurers can help you save up to 31% per year on your car insurance policy in New Jersey.
Car insurance companies with cheap car insurance in New Jersey
New Jersey Manufacturers has the cheapest full coverage car insurance in New Jersey, at an average premium of $110 per month or around $1,318 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in New Jersey. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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 |
Who pays the lowest auto insurance premiums in New Jersey?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- New Jersey drivers with clean records pay 42% less than drivers who have a DUI on their record.
- 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.
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
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
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 companies for state minimum coverage in New Jersey
In New Jersey, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists New Jersey’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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.
In the table below, see the average annual rates from New Jersey’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $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 |
Cheapest car insurance companies in New Jersey for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in New Jersey based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In New Jersey, drivers with a history of such violations typically pay $1,304 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in New Jersey
If you’ve got a speeding ticket on your New Jersey driving record and need affordable car insurance, New Jersey Manufacturers might be the answer. With an average annual rate of $1,704, New Jersey Manufacturers offers the cheapest full coverage auto insurance options for drivers with speeding tickets in New Jersey.
| 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 drivers with a DUI on their record can get the cheapest car insurance from New Jersey Manufacturers at an average of $1,704 a year, followed by Plymouth Rock Assurance with an annual premium of $2,192 annually, based on recent data.
If you have a clean record, you are likely to pay 42% less for car insurance than someone with a DUI.
| 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 companies 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 |
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in New Jersey
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In New Jersey, Brielle stands out as the city with the lowest auto insurance rates, at an average of $1,602 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in New Jersey with the most affordable 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in New Jersey?
By comparing car insurance quotes, you can save an average of 31% per year for a full coverage policy in New Jersey.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable 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
Our research shows that New Jersey Manufacturers has the cheapest full coverage car insurance rates in New Jersey for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in New Jersey, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
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.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs