Cheapest Insurance in New Jersey 2021
- Find cheapest car insurance New Jersey
- Best insurance companies
- Minimum coverage
- Additional coverage
- Minimum coverage carriers
- Full coverage
- Full coverage carriers
- Cost by age
- Poor driving record insurance
- Carriers for poor driving record
- Young drivers poor driving record insurance
- Young drivers carriers for poor driving record
- Cost by car make
- Cost by city
- Lower costs
As a no-fault state with one of the highest population densities in the country, New Jersey can be pretty pricey when it comes to car insurance. Shopping around is the most effective and efficient way to find an affordable policy.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in New Jersey. And if you want to learn more about car insurance rates in New Jersey keep reading.
Find the cheapest car insurance in New Jersey with Jerry
There are lots of different factors that affect your insurance rates—some that you can control and some that you can’t. While New Jersey drivers tend to pay more overall, comparing quotes from different insurance companies will help you find coverage that’s right for you at the right price.
Here’s how much Jerry customers were paying for car insurance in New Jersey before they compared quotes and switched plans with Jerry:
Best insurance companies for cheap insurance in New Jersey with Jerry
If you’re looking for the most affordable car insurance in New Jersey, using Jerry to view quotes from multiple providers and purchase the perfect policy for you is the way to go.
Cheapest minimum coverage car insurance in New Jersey
The minimum required insurance coverage varies depending on your state laws. In New Jersey, drivers can choose from a basic package or a standard package as the mandatory minimum.
The basic policy includes the following:
- $5,000 property damage liability per accident
- $15,000 PIP per person
The standard policy is more expensive and includes:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $15,000 PIP per person or per accident
Drivers should note that while the basic policy is cheaper, it does not include bodily injury liability. By choosing this policy, you also limit your right to sue the other party after an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in New Jersey:
Additional coverages you might want to consider when shopping for car insurance in New Jersey
|Risk factor||Coverage to consider|
|High percentage of uninsured drivers||Uninsured/underinsured motorist protection offers coverage if an uninsured or underinsured motorist seriously injures you or a member of your household.|
|High population density||With more drivers on the road, chances of an accident are high. Accident forgiveness coverage means that your insurance rates won’t go up after your first at-fault accident.|
|Severe weather||Coastal New Jersey is prone to tropical storms, hurricane remnants, and flooding. Comprehensive insurance coverage protects your car from physical damage that may happen as the result of a weather event.|
While minimum liability insurance may seem appealing due to the price, it lacks some important coverages that New Jersey drivers may need—namely uninsured motorist protection and comprehensive insurance.
Best carriers for minimum coverage car insurance in New Jersey
Driving without the required minimum insurance in New Jersey is a serious offense. Under state law, drivers caught driving uninsured face fines of $300–$1000, license suspension, possible vehicle impoundment, and possible community service hours. Repeat offenders may have their license revoked permanently.
There’s no doubt that paying for minimum insurance coverage is worth it—especially when you can find affordable rates.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in New Jersey:
Cheapest full coverage car insurance in New Jersey
The minimum insurance coverage is simply what is required to be able to drive in New Jersey. For peace of mind and if you can afford to, it’s a good idea to increase your coverage.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Best carriers for full coverage car insurance in New Jersey
Almost every insurance provider in New Jersey offers more than just the minimum required coverage. You’ll find everything from comprehensive and collision insurance to accident forgiveness to rental car coverage if your car needs to be repaired—and by comparing providers, you can find it all at a relatively affordable rate.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in New Jersey:
As a no-fault state, New Jersey requires drivers to have minimum liability insurance and personal injury protection (PIP)—but securing additional coverage is always a good idea to protect yourself and your vehicle in the event of an accident.
Cost to insure your car in New Jersey by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Motor vehicle causes are the leading cause of death for young people ages 16 to 20 across New Jersey. Though the age group represents just 6% of the state population, they’re involved in 13% of car crashes.
This added risk is a major part of what makes rates for young drivers so expensive.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in New Jersey with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
With moving violations on your driving record, insurance companies deem you a high-risk driver and adjust premiums accordingly. Even a first-time infraction can end up costing you a significant amount in the long run.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
|Leaving scene of an Accident/Hit and Run||$1,806||$1,439|
|Speeding over 15||$4,117||$2,594|
|Wrong Way/Wrong Lane||$4,908||$2,656|
Best carriers for drivers with infractions in New Jersey
Cost of insurance for young drivers in New Jersey with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
A violation with points can remain on the driving record for at least a year, though insurance rate hikes can last longer since the young driver is deemed particularly high risk.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
|Wrong Way/Wrong Lane||$4,476||$2,564|
|Failure to Obey Traffic Sign||$3,388||$2,720|
|Speeding under 15||$4,130||$2,826|
|Speeding over 15||$4,311||$3,323|
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in New Jersey, check out these top carriers.
Best carriers for young drivers with infractions in New Jersey
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
Types of discounts that might be available to you in New Jersey
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in New Jersey.
Here are some to keep an eye out for:
- Customer loyalty (e.g., bundling, early renewal)
- Demographic (e.g., good student, senior)
- Driver affiliations (e.g., military, affinity)
- Driving history (e.g., accident-free, safe driver)
- Driver training (e.g., defensive driver course)
- Equipment-related (e.g., anti-theft, new car)
- Payment (e.g., auto-pay, paperless)
Insurance companies in New Jersey make it fairly easy to qualify for discounts, so there’s something available for just about every policyholder.
|Discount type||Who is eligible?|
|Defensive driving discount||State law requires insurers to provide a discount to drivers 50 or older who complete an approved defensive driving course.|
|Bundling discount||Getting more than one insurance policy from the same company (often home and auto) can qualify you for a bundling discount, which can reduce premiums by up to 12% each.|
|Safe driving discount||Many insurance companies offer safe driving discounts, whereby you agree to share certain information with them in exchange for a small discount (often 5%). From there, your driving habits determine how much you can save—in some cases, up to 30%.|
|Good student discount||Students who are in school full time and maintain an average of at least a B may be eligible for a policy discount.|
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
While discounts aren’t always actively promoted, most drivers qualify for something so it’s worth asking your insurance company about.
How much does it cost to insure my car make in New Jersey?
If you’re cringing at the thought of expensive car insurance in New Jersey, consider this: the type of car you drive can make a difference.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Cheapest car insurance in New Jersey by city
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Premiums are high in New Jersey for a few reasons, number one being that it’s the most densely populated state in the country. Population density has a significant impact on insurance rates, since lots of people in a small space is a recipe for accidents.
New Jersey is also a no-fault state, which means that each driver (or, more likely, their insurance company) is responsible for their own costs after an accident. State law requires PIP insurance, which can be pricey and raises minimum insurance costs.
Finally, about 15% of drivers in New Jersey hit the road without insurance of any kind—and that kind of risk is, unfortunately, borne by everyone who is insured in the form of higher rates.
Additional ways to lower your car insurance
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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Browse questions from our car experts
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Frequently asked questions
How much does it cost to use Jerry?
Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
What kind of insurance can Jerry help with?
Jerry currently shops for car, home, renters, and umbrella insurance.
Which insurance companies will I get quotes from?
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at firstname.lastname@example.org or call 1-833-445-3779 (M-F 8am-5pm PT).
Does Jerry mark up the quotes from the insurance companies?
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Will Jerry sell my personal information? Will I be bombarded with phone calls and emails?
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
Do I have to wait until my current insurance policy is up for renewal before I can switch?
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Is Jerry a licensed insurance agent?
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
How is Jerry better than my local agents or the online price shopping sites?
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Will Jerry change my policy without my approval?
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
Will having Jerry shop for quotes affect my credit score or current insurance rate?
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
How can I contact customer service?
You can email the member service team at email@example.com or call 1-833-445-3779 (M-F 8am-5pm PT).