Car Insurance in New Jersey

Compare real New Jersey car insurance rates in just 45 seconds!
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TABLE OF CONTENTS
  • How Much is Car Insurance in New Jersey?
  • Real Quotes for Jerry.ai Customers in New Jersey
  • The Cheapest Car Insurance in New Jersey
  • Most Popular Insurance Companies in New Jersey
  • Cost to Insure Different Cars in New Jersey
  • Car Insurance Laws in New Jersey
  • Car Registration Information in New Jersey

Looking for car insurance in New Jersey? Here you’ll find all the information you need on driving a car in The Garden State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Newark or Elizabeth, Jersey City or Edison — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for New Jersey car insurance.

How Much is Car Insurance in New Jersey?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in New Jersey, here’s what you should know about how much you’ll pay for insurance: On average, drivers in New Jersey pay $3,400.93 each year for car insurance. This means drivers in New Jersey pay 16% above the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in New Jersey? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in New Jersey, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in New Jersey

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2020-12-14
  • Toyota Camry Base
47 year old malePlymouth Rock$163.33$96.67Preferred
2021-01-14
  • Toyota Tacoma
20 year old malePlymouth Rock$139.67$40.33Basic
2021-02-07
  • Mini Cooper
24 year old femaleProgressive$81.33$38.67Standard
2020-11-28
  • Chevrolet Malibu Maxx Ls
45 year old maleNationwide$86.04$64.46Standard
2021-01-26
  • Toyota Camry Base
24 year old malePlymouth Rock$111.17$413.83Basic

The Cheapest Car Insurance in New Jersey

Which companies offer cheap car insurance in New Jersey? Below, we’ve ranked New Jersey car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in New Jersey for Basic Coverage

There’s all kinds of auto insurance you can get in New Jersey, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by New Jersey. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in New Jersey, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in New Jersey

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,195.20
2Plymouth Rock$1,196.77
3Travelers$1,396.55
4Mercury$1,484.61
5Nationwide$1,966.86
6Bristol West$2,310.74

Real Jerry Quotes for Basic Coverage in New Jersey

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-07
  • Honda Pilot Lx
22 year old maleNationwide$115.60$34.40
2020-12-25
  • Ram 1500 St
31 year old maleMercury$89.95$95.05
2021-02-13
  • Jeep Wrangler / Tj Sport
  • Chevrolet Camaro Lt
38 year old malePlymouth Rock$132.33$217.67
2020-11-28
  • Nissan Altima Base
53 year old malePlymouth Rock$86$79
2021-02-16
  • Toyota Prius C
21 year old femalePlymouth Rock$106.83$355.23

Average Cheapest Car Insurance for Standard Plans in New Jersey

Most drivers will want more than the basic minimum coverage that New Jersey requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in New Jersey, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in New Jersey

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,812.23
2Travelers$1,980.53
3Plymouth Rock$2,043.89
4Nationwide$2,119.56
5Mercury$2,536.49

Real Jerry Quotes for Standard Coverage in New Jersey

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-24
  • Nissan Rogue Select
  • Toyota Camry Base
32 year old maleTravelers$161.67$183.33
2020-11-26
  • Mercedes-Benz Ml 350 4matic
62 year old maleNationwide$162.77$86.23
2021-02-04
  • Honda Cr-v Exl
33 year old maleTravelers$97.42$34.58
2020-12-07
  • Mitsubishi Eclipse Gs
32 year old malePlymouth Rock$204.33$277.67
2021-01-06
  • Subaru WRX
22 year old maleTravelers$288$273

Cheapest Car Insurance in New Jersey for Preferred Coverage

Preferred coverage protects New Jersey drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in New Jersey, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in New Jersey

Filters
RankCompany nameAvg. Annual Premium
1Progressive$2,037.85
2Plymouth Rock$2,212.48
3Travelers$2,249.56
4Nationwide$2,295.60
5Mercury$2,821.89

Real Jerry Quotes for Preferred Coverage in New Jersey

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-24
  • Ford Escape Se
47 year old femalePlymouth Rock$103.33$99.56
2021-02-15
  • Lincoln Town Car Signature
68 year old maleNationwide$98.73$71.27
2020-12-26
  • Infiniti Q50 Base
  • Lexus Rx 350
48 year old maleProgressive$144.33$42.67
2020-12-14
  • Volkswagen GTI
24 year old malePlymouth Rock$167.50$57.50
2020-11-29
  • Ford Fiesta St
25 year old malePlymouth Rock$98$162
Insurance companyAverage annual premium in New Jersey
Plymouth Rock$2,187.48
Progressive$2,491.20
Travelers$3,195.33
Nationwide$2,412.18
Mercury$2,898.49
Bristol West$1,843
CLEARCOVER$714.76

Cost to Insure Different Cars in New Jersey

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for New Jersey drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in New Jersey. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-18
  • Mazda Cx-5 Signature
42 year old maleProgressive$115$53.17Preferred
2021-02-24
  • Volvo S60 T6 Momentum
29 year old malePlymouth Rock$66$209Basic
2021-01-19
  • Nissan Maxima 3.5s
33 year old malePlymouth Rock$63.33$142.67Basic
2020-12-26
  • Jeep Wrangler Unlimited Sahara
29 year old femaleProgressive$104$146Standard
2020-12-01
  • Kia Optima Lx
27 year old malePlymouth Rock$195$25Preferred
2020-11-29
  • Chevrolet Equinox Ls
27 year old femalePlymouth Rock$83.50$376.50Basic
2021-01-21
  • Chevrolet Cruze Lt
21 year old femaleNationwide$209.02$49.48Standard

Car Insurance Laws in New Jersey

New Jersey is well known as one of the worst states to commute in. But the Garden State has another unfortunate distinction as well: New Jersey drivers are ranked as the worst in the country. With a record like that, it’s no wonder that car accidents are commonplace, and the state sets minimum car insurance requirements so all drivers have some level of protection. Here’s what you should know about the minimum coverage amounts that the state of New Jersey requires.

What Car Insurance is Required by Law in New Jersey?

In addition to registering a car in New Jersey, it’s mandatory to obtain two types of auto insurance coverage: Property Damage Liability (PDL) and Personal Injury Protection (PIP), with uninsured motorist coverage strongly suggested.

Like all no-fault states, the PIP coverage you are required to carry in New Jersey ensures that you can receive medical coverage by your own insurance if you’re injured in a collision, whether or not the accident is your fault. That can include lost wages if you’re unable to work, your ambulance transport to the hospital, or prescriptions. PIP is an important auto insurance coverage as it alleviates time spent in the court system determining who will pay for damages, letting you access compensation quicker.

Similarly, PDL coverage helps pay for claims from people whose property has been damaged from an auto accident that is your fault. It’s wide-ranging and can include other cars involved, city or state property, buildings, utility poles, and more.

Being a no-fault state, New Jersey drivers that have been in an accident are required to first use their insurance company to cover motor vehicle damages, medical expenses, and property damage. If that coverage isn’t sufficient, an option is to sue the other driver to recoup losses.

The strongly recommended uninsured motorist coverage takes care of personal losses that can occur if there are gaps that the other party’s insurance doesn’t cover. That might be PIP insurance or PDL coverage amounts that aren’t sufficient for the amount of loss involved.

Can You Drive a Car Without Insurance in New Jersey?

According to New Jersey law, you must have minimum auto insurance coverages to operate a vehicle on the roads in the state. Just having coverage isn’t enough; you must also carry proof of insurance with you when you’re driving. A first-time violation of driving without insurance invokes a fine of $300 to $1,000, community service, DMV fees of $250 per year for three years, and a mandatory one-year license suspension. Court fees are above and beyond.

Subsequent offenses are even more severe, including up to $5,000 in fines, mandatory 14 day stay in jail, 30 days of community service, and a two-year license suspension that the offender must apply to have reinstated afterward.

What Are the Minimum Car Insurance Requirements in New Jersey?

Recent legislation has reduced the minimum coverage requirements from a standard policy that includes Bodily Injury Liability (BIL), PDL, and PIP coverages. Instead, New Jersey has implemented a law that gives everyone the option to buy a Basic Policy with stripped-down coverages. To legally drive in New Jersey, you must carry these minimum amounts, although more is strongly encouraged.

Minimum Insurance Requirements in New Jersey

  • Property damage liability: $5,000 per accident
  • Personal injury protection: $15,000 per person per accident Collision Insurance and Comprehensive coverage can be purchased as an option, but uninsured motorist coverage and underinsured motorist coverage are not available with the Basic Policy.

Car Registration Information in New Jersey

When you purchase a vehicle in New Jersey, whether privately or from a dealer, or if you have just moved to the state, you must register your vehicle. If you move to New Jersey, you have a 60-day grace period to transfer your vehicle title and registration into the state.

For passenger vehicles, front and rear license plates are issued when you register your vehicle with the DMV and must be affixed to the car at all times. They are assigned to your vehicle by the VIN, or vehicle identification number. The cost of standard license plates is included in your registration fees.

To complete your registration, head to a New Jersey motor vehicle agency if you’ve purchased it from a private individual, an auction, or bought a used car from a dealership. You’ll need to bring your car’s title, your driver’s license, your insurance card, and lien holder information when you go to register your vehicle. If you purchased a new car, the dealership handles the title and registration on your behalf.

You’ll receive a notice for registration renewal three months in advance of the expiry. You can renew online, in person, or by mail.

In New Jersey, the initial registration fee and subsequent annual fees are based on the vehicle’s weight class, model year, and weight.

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