Geico offers the best car insurance in New Jersey according to Jerry’s editorial analysis. Here’s a breakdown of why it’s the best, plus other top insurers in the state.
If you need cheap car insurance in New Jersey, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in New Jersey overall: Geico
5.0Jerry’s ScoreOur TakeGeico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.
Why it’s the best: Geico is the top-rated insurer in New Jersey with 5 stars due to its superior financial strength rating and few customer complaints.
New Jersey drivers may get discounts for bundling policies, insuring multiple vehicles, being in the military or insuring a student with at least a B average. You could also save by opting into Geico’s DriveEasy telematics program and practicing safe driving habits. Geico also serves all 50 states and Washington, D.C., making it convenient when moving across state lines.
Runner-up: Nationwide
Why it’s the best: Nationwide is ranked as our runner-up for the best car insurance in New Jersey because of its 4.7 star rating, excellent financial strength rating and few number of customer complaints.
Nationwide offers New Jersey drivers discounts for bundling policies, setting up automatic payments and having a clean, accident-free record. Discounts are also available for full-time students between 16 and 24 years old with at least a B average and drivers 55 and older who take a state-approved defensive driving course. If you opt into Nationwide’s telematics program, SmartRide,you’ll get an immediate discount and even more savings for driving safely.
More of the best New Jersey insurers
The following companies round off our list of the top five auto insurers in New Jersey.
Honorable mention: NJM
While not yet rated by Jerry, NJM Insurance was ranked No. 2 out of 14 insurers for overall customer satisfaction in the Mid-Atlantic region, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
NJM offers several discounts for New Jersey drivers, including savings for completing a defensive driving course approved by the New Jersey Motor Vehicle Commission.. Other ways to save include bundling multiple policies, insuring a new car, setting up automatic payments and going paperless. Discounts are also available for student drivers who’ve made honor roll, Dean’s List or have at least a 3.0 GPA.
You may also get a discount for opting into NJM’s SafeDrive telematics program, which tracks your driving and provides feedback on things like acceleration, braking and distracted driving.
Best full coverage car insurance in New Jersey
The following companies offer some of the best full coverage car insurance rates in New Jersey.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Electric | $187 |
| Safeco | $319 |
| Embark General | $359 |
| National General | $365 |
| Gainsco | $380 |
Best car insurance for teen drivers in New Jersey
These are the best car insurance rates for teen drivers in New Jersey, based on real policy quotes for Jerry customers ages 16 to 19.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 19 | Bristol West | $403 | August 15, 2024 |
| 19 | Progressive | $477 | April 22, 2025 |
| 19 | Bristol West | $537 | September 15, 2024 |
| 19 | Progressive | $554 | January 10, 2025 |
| 19 | Bristol West | $554 | March 7, 2025 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in New Jersey
The following companies offer some of the best car insurance rates for young drivers in New Jersey.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| First Acceptance | $156 |
| Trexis | $160 |
| Aspire Advantage | $161 |
| Gainsco | $164 |
| Dairyland | $241 |
Learn more: Car insurance for college students
Best car insurance for seniors in New Jersey
These are the best car insurance rates in New Jersey for drivers aged 65 and older.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| AAA | $158 |
| Progressive | $266 |
| Bristol West | $299 |
Learn more: Car insurance for seniors
How to get the best car insurance in New Jersey
Follow these tips to find the best car insurance in New Jersey:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
