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Cheapest car insurance in Trenton, New Jersey (Mar 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Trenton, New Jersey.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Trenton

On average,
auto insurance
in Trenton costs about $154 per month for minimum coverage liability insurance, and about $248 per month for full coverage insurance. Trenton drivers pay 28% more than the
New Jersey
average.  
Jerry Insurance Agency
is here to help Trenton drivers with a valuable insurance comparison app, which efficiently reviews and
analyzes multiple quotes
, allowing you to quickly select the customized policy that meets both your needs and your budget. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$212
Eula, 25
Zip: 08638
Honda Civic LX
• 25,000/50,000 Liability
Travelers
$157
Gussie, 29
Zip: 08609
Hyundai Elantra GLS
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$204
Lizzie, 36
Zip: 08618
Hyundai Elantra SE
• 100,000/300,000 Liability
• Comp / Collision
AAA
$310
Violet, 24
Zip: 08609
Acura TSX
• 25,000/50,000 Liability
Bristol West
$232
Alma, 35
Zip: 08611
Nissan Sentra SV
• 25,000/50,000 Liability
coverageLast Updated Mar 29, 2024

Best Car Insurance Companies in Trenton

For Trenton drivers, there’s no single “cheapest” auto insurance provider out there—instead, you have to carefully shop around for the best priced personalized motorist coverage.
But we can point you in the right direction! To determine who offers the cheapest car insurance rates in Trenton, Jerry conducted the most extensive insurance shopping survey in the industry. 
Some research finds that
GEICO
offers the cheapest car insurance rates in Trenton, but many users report that these low introductory rates increase significantly after a claim is filed, making the premiums much less affordable. 
Your coverage rates are highly personalized based on your individual needs and circumstances and will vary greatly from your friends’ and neighbors’ rates in Trenton
Insurance companyOverall ratingPriceClaims experienceCustomer service
Geico
4.5
3.9
4.4
4.6
Progressive
4.5
3.9
4.1
4.5
State Farm
4.2
3.7
N/A
4.2
Allstate
4.2
3.3
N/A
Liberty Mutual
3.5
2.8
N/A
3.5
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Trenton

New Jersey’s minimum car insurance requirements reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Trenton. However, minimum liability coverage provides minimal financial protection.
You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Garden State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in New Jersey, and how it could affect your policy choices in Trenton.

Cheap minimum liability insurance quotes in Trenton

In Trenton , the current minimum coverage requirements for standard
liability insurance
are: 
You’ll commonly see this referred to as the 25/50/25 rule.
card cover
Jane (62 years old)
coverageCoverage
State Minimum
locationTrenton, NJ
(Zip Code: 08611)
$125
per month
card cover
Janie (41 years old)
coverageCoverage
State Minimum
locationTrenton, NJ
(Zip Code: 08618)
carJeep Grand Cherokee Laredo
$160
per month
card cover
Nicholas (30 years old)
coverageCoverage
State Minimum
locationTrenton, NJ
(Zip Code: 08619)
$118
per month

Do you need more than minimum coverage in Trenton?

Liability coverage is the part of car insurance that pays for the injuries or damage you cause in an at-fault accident. But there’s a good chance that the damage will exceed the 25/50/25 limits established by
New Jersey insurance laws
.
For this reason, Trenton drivers should purchase a more robust liability insurance policy. 

Cheap full coverage car insurance quotes in Trenton

In Trenton, drivers are not legally required to carry full coverage car insurance (although auto loan providers typically require it
before completing a vehicle sale
), but that doesn’t mean the coverage isn’t valuable. 
Full coverage includes
comprehensive
and
collision coverage
to pay for damages to your vehicle in the event of an at-fault accident or non-collision-related event (like vandalism, natural disasters, and even theft). 
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 25,000/50,000 Liability
• Comp / Collision
Progressive
$182
Kathryn, 60
Zip: 08620
Toyota Camry LE
• 50,000/100,000 Liability
• Comp / Collision
AAA
$213
Lina, 26
Zip: 08610
Honda Accord LX
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$204
Lizzie, 36
Zip: 08618
Hyundai Elantra SE
• 250,000/500,000 Liability
• Comp / Collision
Safeco
$99
Delia, 48
Zip: 08610
Ford Escape Titanium
• 15,000/30,000 Liability
• Comp / Collision
Mercury
$246
Ivan, 31
Zip: 08691
Buick Encore Premium
coverageLast Updated Mar 26, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Trenton, New Jersey

Trenton car owners can expect to spend an average of $248 per month and $2,973 per year on full-coverage car insurance, or $154 per month and $1,848 per year on liability-only coverage.
It’s important to keep in mind that these numbers are just estimated averages for the “average” Trenton driver. The actual rates you’ll pay depend on a wide variety of factors, including your vehicle type, driving record, claims history, exact location, credit score, and more. Your insurance costs could be significantly more or less than the averages articulated above.

Car insurance quotes in Trenton by rating factors 

Insurance companies in Trenton use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets. 
  • Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience. 
  • The type of car you drive: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars. 
  • Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims. 

How do different factors impact your car insurance costs in Trenton?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): New Jersey currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Trenton:

Cheap car insurance quotes in Trenton after driving violations

Your
driving history
plays a significant role in determining the quotes for your auto insurance. 
If insurance companies observe a track record of violations, they consider you to be a
high-risk driver
, resulting in higher insurance premiums being charged.

Cheapest car insurance in Trenton after speeding ticket

In Trenton, speeding violations are typically categorized into different levels based on the extent to which the speed limit was exceeded. These levels often include 1-5 MPH over the limit, 6-10 MPH over the limit, 11-15 MPH over the limit, 16-20 MPH over the limit, and exceeding the speed limit by more than 21 MPH.
While receiving a
speeding ticket
in Trenton is likely to result in increased insurance premiums, Jerry is an excellent resource for helping you find ways to minimize your costs.  
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Bristol West
$192
Earl, 26
Zip: 08618
Jeep Grand Cherokee Limited
• 25,000/50,000 Liability
Speeding 11-15
Bristol West
$214
Marcus, 30
Zip: 08611
Nissan Altima 2.5
• 25,000/50,000 Liability
Speeding 16-20
Progressive
$139
Tony, 37
Zip: 08611
Toyota Avalon XL
• 15,000/30,000 Liability
coverageLast Updated Mar 26, 2024

Cheapest car insurance in Trenton after DUI

In Trenton,
DUI violations
are taken very seriously and thus generally result in a significant increase in car insurance rates compared to other violations. 
Finding the cheapest insurance options after a DUI often requires comparing
car insurance quotes
from multiple insurers, and Jerry can simplify the process of finding the lowest rates.
card cover
James (74 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
locationTrenton, NJ
(Zip Code: 08610)
carToyota RAV4
$73
per month
card cover
Elizabeth (38 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
locationTrenton, NJ
(Zip Code: 08618)
$369
per month

Cheapest car insurance in Trenton after an at-fault accident

Your history of car accidents or claims heavily impacts your car insurance rates. 
For every Trenton driver, insurance companies thoroughly examine previous at-fault accidents to determine the level of risk. If you have recently been involved in an at-fault accident, it is likely that your car insurance rates will see a significant increase.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$198
Cordelia, 32
Zip: 08618
Nissan Altima 2.5
• 30,000/60,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$99
Joshua, 48
Zip: 08610
Ford Escape Titanium
• 250,000/500,000 Liability
• Comp / Collision
Not At Fault
AAA
$175
Carrie, 41
Zip: 08618
Jeep Grand Cherokee Laredo
• 15,000/30,000 Liability
At Fault With No Injury
Nationwide
$138
Daisy, 67
Zip: 08610
Hyundai Elantra SE
• 50,000/100,000 Liability
coverageLast Updated Mar 24, 2024

Cheapest car insurance in Trenton after other driving violations

Apart from speeding tickets and DUIs, other violations—such as
reckless driving
and driving with a suspended license—can result in increased car insurance costs in Trenton.
Jerry has helped drivers with various driving violations find affordable car insurance quotes from great providers.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Defective Equipment
Progressive
$262
Ina, 31
Zip: 08691
Buick Encore Premium
• 15,000/30,000 Liability
• Comp / Collision
Failure to Stop
Bristol West
$192
Leona, 26
Zip: 08618
Jeep Grand Cherokee Limited
• 25,000/50,000 Liability
Wrong Way/Wrong Lane
Plymouth Rock
$328
Abbie, 27
Zip: 08629
Subaru WRX Premium
• 100,000/300,000 Liability
• Comp / Collision
Cell Phone
Progressive
$206
Logan, 53
Zip: 08609
Jeep Compass Sport
• 25,000/50,000 Liability
• Comp / Collision
Careless Driving
Nationwide
$204
Carl, 36
Zip: 08618
Hyundai Elantra SE
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
Plymouth Rock
$162
William, 49
Zip: 08638
KIA Optima LX
• 15,000/30,000 Liability
• Comp / Collision
Failure to Obey Signal
Mercury
$244
Leona, 35
Zip: 08610
Dodge Durango Limited
• 15,000/30,000 Liability
Improper Passing
Bristol West
$192
Elnora, 26
Zip: 08618
Jeep Grand Cherokee Limited
• 25,000/50,000 Liability
coverageLast Updated Mar 26, 2024

Cheap car insurance quotes in Trenton by age

Teen drivers in Trenton are generally the least experienced motorists on the road, which means they’re a higher risk to insurance companies.  For this reason, young people tend to pay the highest rates in Trenton, with premiums decreasing after they reach the age of 25. 
Conversely, rates will start to go up again around the age of 75.

Cheapest car insurance in Trenton for young drivers

16 to 19 year olds pay the highest
car insurance premiums
in Trenton when compared to other age groups.
If you’re a teen driver in Trenton with a newer vehicle (or an older driver with a
provisional license
) it’s important to invest in full coverage insurance—especially due to the higher likelihood of young drivers to be involved in a collision. 
Full coverage insurance may cost more, but it provides essential financial protection after an accident. And Jerry can help you find savings on a great policy!
card cover
Jason (24 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationTrenton, NJ
(Zip Code: 08638)
$236
per month
card cover
Violet (24 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationTrenton, NJ
(Zip Code: 08609)
carAcura TSX
$310
per month
card cover
Belle (23 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationTrenton, NJ
(Zip Code: 08610)
$150
per month
card cover
Mae (24 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationTrenton, NJ
(Zip Code: 08619)
$241
per month

Cheapest car insurance in Trenton for senior drivers

Typically, senior drivers tend to pay some of the cheapest rates—until they reach their mid-70s. While more experienced on the road, motorists over the age of 70 are seen as higher liabilities on the road due to their increased risk of accidents and greater likelihood of serious injury in a crash. But that doesn’t mean affordable coverage is off the table if you’re an older driver. In fact, here are some of the cheapest providers in Trenton for those aged 65 or older.
card cover
James (74 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
locationTrenton, NJ
(Zip Code: 08610)
carToyota RAV4
$73
per month
card cover
Danny (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationTrenton, NJ
(Zip Code: 08610)
$225
per month

Cheap car insurance quotes in Trenton based on insurance history

Your insurance history plays a crucial role in determining your car insurance rates—specifically, whether you currently have coverage or not.
Trenton drivers with a
policy lapse
usually have higher insurance rates. To assist customers in making timely insurance payments and avoiding coverage lapses, Jerry sends payment reminders to eligible Trenton customers. These reminders are sent when a payment is approaching or overdue.
We have successfully helped countless drivers in Trenton who are currently uninsured or have experienced coverage lapses in finding affordable coverage.
card cover
Ollie (25 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationTrenton, NJ
(Zip Code: 08638)
$212
per month
card cover
Noah (24 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationTrenton, NJ
(Zip Code: 08609)
carAcura TSX
$310
per month
card cover
Scott (29 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationTrenton, NJ
(Zip Code: 08609)
$157
per month
card cover
Winnie (48 years old)
Currently Insured
coverageCoverage
250,000 per person
500,000 per accident bodily injury
Comp / Collision
locationTrenton, NJ
(Zip Code: 08610)
$99
per month
card cover
Warren (58 years old)
Currently Insured
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationTrenton, NJ
(Zip Code: 08619)
$75
per month

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$108
Ida, 29
Zip: 08609
Volkswagen Passat R-Line
• 25,000/50,000 Liability
• Comp / Collision
660 - 750
Safeco
$99
Joshua, 48
Zip: 08610
Ford Escape Titanium
• 250,000/500,000 Liability
• Comp / Collision
660 - 750
AAA
$159
Bessie, 30
Zip: 08610
Nissan Maxima S
• 15,000/30,000 Liability
• Comp / Collision
550 - 659
Bristol West
$232
Christopher, 35
Zip: 08611
Nissan Sentra SV
• 25,000/50,000 Liability
< 550
Plymouth Rock
$132
Sallie, 31
Zip: 08629
Nissan Sentra 2.0
• 15,000/30,000 Liability
coverageLast Updated Mar 24, 2024

How to lower car insurance costs in Trenton

1. Shop around and compare quotes

Finding car insurance is a pain—and you’re probably overpaying. But getting quotes from multiple companies is the only way to guarantee that you’re actually getting the best rate. 
Trenton drivers can compare quotes quickly with the
Jerry
app. If you have a smartphone and 60 seconds, you can find the best rates in Trenton for your unique driver profile. The service is 100% free and you could save a ton of money by shopping around.
 

 2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the options vary. Some discounts common to most companies include: 
  • Good driver discounts. If you have a squeaky clean driving record, you could unlock a good driver discount. This means no at-fault accidents and minimal points on your record. At some companies, it’s called a safe driver discount.
  • Telematics discounts. With discounts just for signing up, telematics programs are an easy way to save money. They track your driving behavior and reward you for safe behavior!
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3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance in Trenton , increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

Why is car insurance in Trenton so expensive?

  • Personal injury protection (PIP) coverage requirement: New Jersey is a no-fault insurance state, which means that drivers in Trenton are required to have PIP coverage. PIP coverage provides medical benefits for injuries sustained in auto accidents, and the cost of this coverage can contribute to higher insurance premiums.
  • Auto theft rates: Some areas have higher rates of auto theft, which increases the risk of vehicle loss or damage. Insurers may charge higher premiums to compensate for the elevated risk.
  • Lawsuits and litigation: New Jersey has a higher prevalence of lawsuits and litigation related to auto accidents compared to other states. This can increase insurance costs for Trenton drivers as insurers need to allocate funds for potential legal expenses and settlements.

FAQs

Based on thousands of Trenton drivers Jerry has worked with, car insurance in Trenton costs an average of $154 per month for state-minimum coverage and $248 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today! 
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Bristol West
,
SafeC0
, and
Travelers
receive good ratings from Trenton drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
The current minimum coverage requirements for standard
liability insurance
in New Jersey are: 
You’ll commonly see this referred to as the 25/50/25 rule.
People living in Trenton pay on average $154 per month – or $1,848 per year – on state-minimum liability coverage. Full coverage in Trenton costs on average $248 per month of $2,973 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.