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.
- New Jersey Manufacturers has the cheapest car insurance rates in New Jersey for full coverage at $110 a month among the companies analyzed by the team of CarInsurance.com.
- In New Jersey, drivers with clean driving records pay 42% less than drivers with a DUI.
- The city of Brielle has the lowest auto insurance rates in New Jersey, with an average premium of $1,602 per year.
- You can save up to 31% per year on your car insurance policy in New Jersey by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance in New Jersey?
Based on data analysis by CarInsurance.com, New Jersey Manufacturers provides the cheapest full coverage auto insurance rates for New Jersey drivers at a monthly rate of $110 or $1,318 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in New Jersey.
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 rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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 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.
- 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 companies for different coverage levels in New Jersey
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property 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
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.
Here are the average annual rates for liability insurance coverage from major carriers in New Jersey, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates 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 full coverage in New Jersey
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
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
Your driving history affects how much you pay for insurance in New Jersey because insurance companies use it to assess the risk associated with insuring a driver.
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 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 |
Cheap car insurance rates after a DUI conviction in New Jersey
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.
Drivers with clean driving records can expect to pay an average of 42% less than those with a history of 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 rates after an at-fault accident in New Jersey
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 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| 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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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.
The city with the lowest auto insurance rates in New Jersey is Brielle, at $1,602 per year.
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?
Shopping around for car insurance quotes in New Jersey can help drivers save 31% annually on full coverage policies.
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 |
The bottom line 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.
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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
Executive 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