Best Car Insurance Companies in New Jersey

Drivers in New Jersey ranked Travelers as the best auto insurance provider in the state, though Plymouth Rock and GEICO also received high marks.
Written by Claire Beaney
Edited by Jessica Barrett
Travelers Insurance and Plymouth Rock Assurance are two of the top
New Jersey auto insurance
providers, but the company that's best for you will depend on many factors, including your driving record, the make and model of your car, your age, and more.
  • In New Jersey, insurance providers that offer lower rates and more localized coverage, like Travelers and Plymouth Rock, are some of the most popular choices in the state.
  • Large carriers like GEICO and Progressive also rank highly, thanks in part to the number of discounts and coverage options they offer—but no single company can guarantee the lowest New Jersey car insurance rates for everyone.
  • The simplest way to get affordable car insurance rates for coverage that meet your needs is to get quotes from 3-5 different insurance companies.
Plymouth Rock: Best for local coverage
Real 5-star review:
"Plymouth Rock has been a breeze to work with, super friendly and knowledgeable customer support!"
Overall Jerry rating in New Jersey: 4.0
J.D. Power customer satisfaction: Not ranked for North Central market
AM Best Financial Strength: A-
NAIC complaint index (June 2023): Less than expected
Plymouth Rock Insurance is a New Jersey-based company that serves only five other states—New York, New Hampshire, Pennsylvania, Connecticut, and Massachusetts.
Car insurance discounts
are available for safe drivers, those who insure multiple vehicles, and those who bundle home and auto coverage. Its YUBI® program, one of many in the growing usage-based insurance market, keeps tabs on customers' driving patterns to offer them discounts on their premiums. 
Plymouth Rock has an excellent A- rating from AM Best and a high ranking in our customer service category.
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Travelers: Best for handling claims quickly and easily
Real 5-star review:
"They did the very best to give me the best plan for my money!!! I am so pleased. They are friendly and professional and always get right back with you."
Overall Jerry rating in New Jersey: 5.0
J.D. Power customer satisfaction: Not ranked for North Central market
AM Best Financial Strength: A++
NAIC complaint index (June 2023): Not ranked
When it comes to auto insurance, Travelers has a stellar reputation for its comprehensive policies, hassle-free claims process, and dependable customer service. Our survey participants overwhelmingly gave Travelers the highest marks for claims service in New Jersey. 
You can get the help you need whenever you need it thanks to Travelers' convenient online claim submission service, which is available 24/7. AM Best—a highly regarded credit rating agency—has also awarded Travelers Insurance their highest possible financial strength rating of A++. Customers can rest assured of a generous payout in addition to a straightforward claims process!
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GEICO: Best for drivers with violations
Real 5-star review:
"Every interaction with GEICO was easy, clear, and quick. Great customer service."
Overall Jerry rating in New Jersey: 4.4
J.D. Power customer satisfaction: 831
AM Best Financial Strength: A++
NAIC complaint index (June 2023): More than expected
For drivers with poor driving records or low credit scores, it can be difficult to find affordable coverage from major insurers. GEICO is a good option for these drivers.
High-risk insurance policies are normally more expensive, making GEICO's below-average car insurance rates for drivers with poor
driving records
all the more impressive—and the range of coverage options and specialty add-ons are further bonuses.
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Progressive: Best for tech-savvy drivers
Real 5-star review:
"Awesome coverage for low rates! Any questions I have, someone is always there to answer them!"
Overall Jerry rating in New Jersey: 4.4
J.D. Power customer satisfaction: 816
AM Best Financial Strength: A+
NAIC complaint index (June 2023): More than expected
If you are a tech-savvy New Jersey driver, Progressive might be the best auto insurance company for you.
Snapshot® program
is one of its most notable features as it monitors and rewards safe driving behaviors through the use of telematics technology. Progressive also provides online resources, as well as a user-friendly website and mobile app, allowing tech-savvy clients to effortlessly manage their policies, process claims, and access information about their plan. 
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Mercury: Best for low prices
Real 5-star review:
"Cheapest full coverage option for my car to find. It was easy to set up and the sales rep was very responsive even after purchasing."
Overall Jerry rating in New Jersey: 4.3
J.D. Power customer satisfaction: Not ranked for North Central market
AM Best Financial Strength: A
NAIC complaint index (June 2023): Less than expected
For drivers in New Jersey who are looking to cut down on their overall auto insurance costs, Mercury is one of the most cost-effective options. 
AM Best has awarded Mercury with an A rating for financial strength, signifying the company's dependability in paying out claims in the event of an accident. In addition to having an above-average payout history, Mercury also received above-average marks in our survey regarding the claims process.
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Skimping on your car insurance in New Jersey can leave you vulnerable

While sticking to
New Jersey’s minimum car insurance
may save you money, it could also make you vulnerable in the event of a major car accident. Raising your liability insurance limits is nearly always a good idea—especially if you drive a newer model. 
Consider adding
comprehensive coverage
collision insurance
to your policy, as well as optional coverage types like the ones listed below, for the best protection:

How to save on your New Jersey auto insurance

There is no one insurance provider in New Jersey that can provide the best rates for every motorist. Several variables, including the vehicle you drive, your driving history, your geographic location, and the coverage limits you select, will affect the total cost of your
car insurance
premiums each month.
Here are some things you can do to lower your insurance premiums:
  • Find out about discounts: Your annual rate may change if you qualify for a discount. Being a safe driver and paying your premium early can also help you save some money. 
  • Bundle your policies: Combining your homeowners or renters insurance with your auto insurance coverage will help you save money on both.
  • Shop around: The best way to cut costs is to shop around, and the AllCar™ app,
    , can help you do that in a matter of minutes (for free!).
Jerry’s content editors analyzed the top insurers in New Jersey and chose the best based on a combination of scores from J.D. Power, AM Best, NAIC, and Jerry’s own nationwide carrier survey.


In New Jersey, Travelers Insurance and GEIO are two of the most affordable choices. But remember that there is no one auto insurance provider that can promise you the lowest possible rates. Your premiums will be determined by a number of variables, such as your driving record, the vehicle you drive, where you live, and whether or not you qualify for any driver discounts.
The average cost of minimal liability coverage in New Jersey is $2,112 per year. New Jersey drivers spend an average of $3,007 per year for full coverage insurance.
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