Cheapest car insurance in Camden, New Jersey (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Camden, New Jersey.
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Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance in Camden

On average,
auto insurance
in Camden costs about $161 per month for minimum coverage liability insurance, and about $299 per month for full coverage insurance. Camden drivers pay 13% more than the
New Jersey
Camden, New Jersey
New Jersey
United States
Minimum coverage
Full coverage
Now let’s take a look at some of the best companies in the city.
Cheapest car insurance companies in Camden, New Jersey
Overall standout: Travelers
$47/month for liability-only
$247/month for full coverage
Next best for minimum coverage: Nationwide
$47/month on average
Best for full coverage: Safeco
$222/month on average

Best car insurance companies in Camden

For Camden 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. Your coverage rates are highly personalized based on your individual needs and circumstances and will vary greatly from your friends’ and neighbors’ rates in Camden. 
Here are some of the best companies in the city, not only for insurance cost, but customer service.
Insurance company
Monthly minimum cost
Monthly full cost
Cost rating
Overall Jerry score

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 Camden

To find affordable auto insurance in Camden, you’ll need to start by deciding how much coverage to buy. While New Jersey technically offers a few loopholes that allow drivers to carry only bare-bones coverage—including dollar-a-day insurance—most drivers need to purchase a standard auto insurance policy with liability insurance, personal injury protection, and usually a combination of comprehensive and collision insurance. 
At Jerry, our insurance agents recommend a policy that includes at least 100k/300k/100k liability insurance along with full coverage for drivers in Camden. You can compare different policy options in the Jerry app or in the sections below. 

Cheap minimum liability insurance quotes in Camden

In Camden , the current minimum coverage requirements for standard
liability insurance
You’ll commonly see this referred to as the 25/50/25 rule.
Let’s take a look at some of the most affordable providers for Camden motorists interested in state minimum coverage.
Insurance company
Average monthly minimum coverage cost

Do you need more than minimum coverage in Camden?

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, Camden drivers should purchase a more robust liability insurance policy. 

Cheap full coverage car insurance quotes in Camden

In Camden, 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
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). 
Let’s have a closer look at some of the cheapest options for Camden drivers in need of full coverage.
Insurance company
Average monthly full coverage cost
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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.
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Car insurance quotes in Camden by rating factors 

Insurance companies in Camden 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 Camden?

Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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 Camden:

Cheap car insurance quotes in Camden after driving violations

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 Camden after speeding ticket

One speeding ticket could cause serious repercussions, least of all for the cost of your insurance. In Camden, here’s how one speeding ticket violation can affect your rates.
MPH over limit
Monthly minimum cost
Rate increase (%)

Cheapest car insurance in Camden after DUI

In Camden,
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. 
Let’s take a look at how much your insurance can skyrocket after a DUI in New Jersey.
Monthly minimum cost
Rate increase (%)

Cheapest car insurance in Camden after an at-fault accident

Your history of car accidents or claims heavily impacts your car insurance rates. 
For every Camden 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.
That said, this is how much your rate can increase after an at-fault accident in Camden.
Driving record
Monthly minimum cost
Rate increase (%)
At-fault accident

Cheapest car insurance in Camden 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 Camden.
Jerry has helped drivers with various driving violations find affordable car insurance quotes—which is important because based on the infraction, your insurance can climb significantly higher. 
Monthly minimum cost
Rate increase (%)
Unsafe operation of a motor vehicle
Improper installation of child safety restraint

Cheap car insurance quotes in Camden by age

Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates.
Here are the average premium amounts drivers of different age groups pay for coverage in Camden:
Monthly minimum coverage cost
Monthly full coverage cost

Cheapest car insurance in Camden for young drivers

16 to 19 year olds pay the highest
car insurance premiums
in Camden when compared to other age groups.
If you’re a teen driver in Camden 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!
Here are some of the most affordable providers we found for young drivers aged 22-25 in Camden. 
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost

Cheapest car insurance in Camden for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates, with rates run the risk of rising again after motorists turn 65+.
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost

Cheapest car insurance in Camden 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 Camden for those aged 65 or older.
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost

Cheap car insurance quotes in Camden 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.
Camden 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 Camden customers. These reminders are sent when a payment is approaching or overdue.
We have successfully helped countless drivers in Camden who are currently uninsured or have experienced coverage lapses in finding affordable coverage.
Insurance history
Monthly minimum cost
Rate increase (%)
With coverage lapses

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 less on car insurance compared to individuals with poorer scores (below 550).
Credit score
Monthly minimum cost
< 600

How to lower car insurance costs in Camden

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. 
Camden drivers can compare quotes quickly with the
app. If you have a smartphone and 60 seconds, you can find the best rates in Camden 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!

3. Increase your deductible for comprehensive and collision coverage

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

Why is car insurance in Camden so expensive?

  • Personal injury protection (PIP) coverage requirement: New Jersey is a no-fault insurance state, which means that drivers in Camden 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 Camden drivers as insurers need to allocate funds for potential legal expenses and settlements.


What is the cheapest car insurance in Camden?

Based on thousands of Camden drivers Jerry has worked with, car insurance in Camden costs an average of $161 per month for state-minimum coverage and $299 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. 

What is the best car insurance in Camden?

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. Travelers, Nationwide, Plymouth Rock and Safeco received good ratings from Camden policyholders, and could be a good place to start.

What is the minimum car insurance in Camden, New Jersey?

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.

How much is car insurance in Camden?

People living in Camden pay on average $161 per month, or $1,932 per year, on state-minimum liability coverage. Full coverage in Camden costs on average $299 per month or $3,588 per year. 
However, with car insurance, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation.


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

Maria Cruz
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Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media,, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
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Head Of Insurance Operations
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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.