- 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.
The cheapest car insurance in New Jersey costs $110 per month for a full coverage policy from New Jersey Manufacturers. That’s a $49 savings from the average cost of insurance in the state, which is $159 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in New Jersey including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
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 |
Who pays a lower insurance premium in New Jersey?
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:
- 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 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
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 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 | $35,000/$70,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in New Jersey, ranked from cheapest to most expensive for 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 liability-only coverage in New Jersey
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, 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 |
Cheapest full coverage car insurance 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.
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
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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 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.
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 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
Which cities in New Jersey have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in New Jersey is Brielle, at $1,602 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in New Jersey with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
Average savings 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.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in New Jersey: Save on premiums
In New Jersey, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in New Jersey below.
| 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 get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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