Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Phillipsburg, New Jersey.

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Updated on Nov 21, 2024

Kianna Walpole

Expert Insurance Writer & Editor

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

Learn more about our insurance review board

What's on this page?

Best car insurance companies in Phillipsburg
How to find the cheapest car insurance in Phillipsburg
Best cheap car insurance quotes in Phillipsburg
Car insurance quotes in Phillipsburg by rating factors
How do different factors impact your car insurance costs in Phillipsburg?
Cheap car insurance quotes in Phillipsburg after driving violations
Cheap car insurance quotes in Phillipsburg by age
Cheap car insurance quotes in Phillipsburg based on insurance history
Cheap car insurance quotes in Phillipsburg for popular cars
How to lower car insurance costs in Phillipsburg
FAQ
Methodology
Meet our experts

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Best car insurance companies in Phillipsburg

For Phillipsburg drivers, there’s no single “cheapest” auto insurance provider. Car insurance quotes are determined based on several factors, meaning not every driver will receive the same rate.

To determine who offers the most affordable car insurance rates in Phillipsburg for you, it’s best to compare prices across dozens of insurance companies—and Jerry can help.

Jerry experts recently conducted one of the most extensive insurance shopping surveys in the industry, interviewing real policyholders on their experience with their current provider. Based on these results, we found that large-name providers such as Allstate and AAA in Phillipsburg often received lower-than-expected scores.

On the other hand, smaller providers, including Safeco and Travelers achieved some of the highest overall ratings. Take a look at the table below to see how these companies and more ranked, and their average premium costs.

Insurance company	Overall rating	Average annual full coverage cost	Average annual minimum coverage cost
Safeco	4.5	$1,293	$809
Travelers	4.6	$1,571	$490
State Farm	3.9	$1,762	$857
Allstate	4.1	$2,065	$1,602
AAA	4.2	$2,658	$1,523

Safeco

Overall Jerry rating in Phillipsburg: 4.5

AM Best financial strength: A (Excellent)

NAIC complaint index (June 2023): Higher than average

Drivers with violations and may find the best deals with Safeco. This provider offers features such as Accident Forgiveness, Claims-Free Cash Back, and Diminishing Deductibles for those who maintain a clean record—and they can even help you build safe driving habits with the RightTrack telematics program.

Real 5-star customer review: “I am so grateful for Safeco and Jerry. I went from paying almost $500 to $120. For a struggling parent with two kids in college this was a blessing. Thank you.” (Latifah B., NJ)

Travelers

Overall Jerry rating in Phillipsburg: 4.6

AM Best financial strength: A++ (Superior)

NAIC complaint index (January 2023): Lower than average

Travelers offers some of the most affordable rates and may be best suited for families or drivers with multiple policies. Along with several coverage options, Travelers also provides bundling services, umbrella insurance, homeowners insurance, and even boat and yacht coverage.

Real 5-star customer review: “Travelers insurance has very competitive prices with top notch coverage. Wouldn't think of using anyone else.” (Alex D., NJ)

State Farm

Overall Jerry rating in Phillipsburg: 3.9

AM Best financial strength: A++ (Superior)

NAIC complaint index (September 2023): Slightly more than expected

State Farm is one of the top insurance choices for most drivers. With a wide network of local insurance agents, digital policy management, and several discounts for an array of driver profiles, car insurance is made easy—and affordable—with State Farm in Phillipsburg, NJ.

Real 5-star customer review: “Great deals offered and bundled offerings.” (Subjajit B., NJ)

Allstate

Overall Jerry rating in Phillipsburg: 4.1

AM Best financial strength: A+ (Superior)

NAIC complaint index (June 2023): Much more than expected

Allstate in Phillipsburg, NJ is one of the more popular options for car insurance. With a slew of discounts and a wide range of coverage options and coverage limits, Allstate customers benefit from robust service and high financial stability rankings.

Real 5-star customer review: “I have had great service from Allstate since the beginning, they are friendly and helpful and get everything done in a timely manner.” (Lisa F., NJ)

AAA

Overall Jerry rating in Phillipsburg: 4.2

AM Best financial strength: A (Excellent)

NAIC complaint index (June 2023): Higher than average

With different tiers of membership, AAA makes it easy for drivers to get access to car insurance coverage and added perks, such as roadside assistance, rental car coverage, member discounts, and more. AAA in Phillipsburg is best suited for drivers who commute frequently.

Real 5-star customer review: “Always helpful.” (Mellanie M., NJ)

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.

How to find the cheapest car insurance in Phillipsburg

On average,

auto insurance

in Phillipsburg costs about $153 per month for minimum coverage liability insurance, and about $256 per month for full coverage insurance. Phillipsburg drivers pay 23% less than the

New Jersey

average.

Jerry Insurance Agency

is here to help Phillipsburg 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 company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$285	Daniel, 47 Zip: 08865	Ford Explorer XLT	• 25,000/50,000 Liability • Comp / Collision
AAA	$166	Margaret, 30 Zip: 08865	Chrysler Pacifica Hybrid Touring L	• 100,000/300,000 Liability • Comp / Collision
Nationwide	$177	Ethel, 33 Zip: 08865	Jeep Compass Latitude	• 100,000/300,000 Liability • Comp / Collision
Embark General	$65	Ola, 32 Zip: 08865	Hyundai Sonata GLS	• 15,000/30,000 Liability

Last Updated Nov 20, 2024

Compare car insurance quotes now

Best cheap car insurance quotes in Phillipsburg

For Phillipsburg 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 Phillipsburg, Jerry conducted the most extensive insurance shopping survey in the industry.

Some research finds that

GEICO

offers the cheapest car insurance rates in Phillipsburg, 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 Phillipsburg.

Cheap minimum liability insurance quotes in Phillipsburg

In Phillipsburg , the current minimum coverage requirements for standard

liability insurance

are:

$25,000 in

bodily injury liability

per person

$50,000 in bodily injury liability per accident

$25,000 in

property damage liability

coverage.

$15,000 per person in

personal injury protection (PIP)

coverage

You’ll commonly see this referred to as the 25/50/25 rule.

Nationwide

Jean (47 years old)

Coverage

State Minimum

Phillipsburg, NJ
(Zip Code: 08865)

GMC Sierra K1500 Denali

$111

per month

Plymouth Rock

Bernice (39 years old)

Coverage

State Minimum

Phillipsburg, NJ
(Zip Code: 08865)

Dodge RAM 1500 ST

$102

per month

Bristol West

John (38 years old)

Coverage

State Minimum

Phillipsburg, NJ
(Zip Code: 08865)

Hyundai Elantra GLS

$131

per month

Do you need more than minimum coverage in Phillipsburg?

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

Cheap full coverage car insurance quotes in Phillipsburg

In Phillipsburg, 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 coverage	Insurance company	Premium (monthly)	Customer	Car
• 25,000/50,000 Liability • Comp / Collision	Progressive	$285	Daniel, 47 Zip: 08865	Ford Explorer XLT
• 100,000/300,000 Liability • Comp / Collision	Nationwide	$177	Ethel, 33 Zip: 08865	Jeep Compass Latitude
• 100,000/300,000 Liability • Comp / Collision	Mercury	$144	Lillie, 37 Zip: 08865	Volkswagen Jetta SE
• 15,000/30,000 Liability • Comp / Collision	Plymouth Rock	$111	Mattie, 32 Zip: 08865	KIA Forte LX

Last Updated Nov 20, 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.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Average cost of car insurance in Phillipsburg, New Jersey

Phillipsburg car owners can expect to spend an average of $256 per month and $3,072 per year on full-coverage car insurance, or $153 per month and $1,838 per year on liability-only coverage.

It’s important to keep in mind that these numbers are just estimated averages for the “average” Phillipsburg 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 Phillipsburg by rating factors

Insurance companies in Phillipsburg 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 Phillipsburg?

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 Phillipsburg:

Cheap car insurance quotes in Phillipsburg 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 Phillipsburg after speeding ticket

In Phillipsburg, 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 Phillipsburg is likely to result in increased insurance premiums, Jerry is an excellent resource for helping you find ways to minimize your costs.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 11-15	Bristol West	$161	Timothy, 27 Zip: 08865	Audi A4 Premium	• 25,000/50,000 Liability
Speeding 16-20	Progressive	$80	Mabelle, 33 Zip: 08865	Subaru Forester 2.5XS LL Bean	• 15,000/30,000 Liability
Speeding 21+	Progressive	$80	Isabel, 33 Zip: 08865	Subaru Forester 2.5XS LL Bean	• 15,000/30,000 Liability

Last Updated Nov 19, 2024

Cheapest car insurance in Phillipsburg after DUI

In Phillipsburg,

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.

Allstate

John (39 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Phillipsburg, NJ
(Zip Code: 08865)

Mini Cooper

$65

per month

Nationwide

David (35 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Phillipsburg, NJ
(Zip Code: 08865)

RAM Promaster

$57

per month

Cheapest car insurance in Phillipsburg after an at-fault accident

Your history of car accidents or claims heavily impacts your car insurance rates.

For every Phillipsburg 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 type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Progressive	$82	Gussie, 44 Zip: 08865	Honda Civic LX	• 25,000/50,000 Liability
At Fault With No Injury	Nationwide	$177	Ernest, 32 Zip: 08865	Jeep Compass Latitude	• 100,000/300,000 Liability • Comp / Collision
Not At Fault	Bristol West	$107	Lois, 23 Zip: 08865	Subaru Legacy 2.5I Limited	• 25,000/50,000 Liability
At Fault With No Injury	Mercury	$149	Esther, 45 Zip: 08865	Chevrolet Trax 1LT	• 15,000/30,000 Liability

Last Updated Nov 20, 2024

Cheapest car insurance in Phillipsburg 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 Phillipsburg.

Jerry has helped drivers with various driving violations find affordable car insurance quotes from great providers.

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Plymouth Rock	$73	Abbie, 37 Zip: 08865	Jeep Grand Cherokee Limited	• 15,000/30,000 Liability • Comp / Collision
Defective Equipment	Nationwide	$218	Julian, 37 Zip: 08865	KIA Sorento LX	• 50,000/100,000 Liability • Comp / Collision
Failure to Obey Signal	Progressive	$351	Floyd, 26 Zip: 08865	Honda Civic EX	• 25,000/50,000 Liability • Comp / Collision
Careless Driving	Bristol West	$267	Helen, 25 Zip: 08865	Cadillac STS	• 25,000/50,000 Liability
Driving on Sus. License	Bristol West	$241	Cory, 24 Zip: 08865	Toyota Camry LE	• 25,000/50,000 Liability
Failure to Obey Signal	Progressive	$351	Katie, 26 Zip: 08865	Honda Civic EX	• 25,000/50,000 Liability • Comp / Collision
Seat Belt	Plymouth Rock	$73	Ethan, 37 Zip: 08865	Jeep Grand Cherokee Limited	• 15,000/30,000 Liability • Comp / Collision
Improper Passing	Progressive	$336	Troy, 27 Zip: 08865	Hyundai Elantra SE	• 25,000/50,000 Liability • Comp / Collision

Last Updated Nov 18, 2024

Cheap car insurance quotes in Phillipsburg by age

Teen drivers in Phillipsburg 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 Phillipsburg, 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 Phillipsburg for young drivers

16 to 19 year olds pay the highest

car insurance premiums

in Phillipsburg when compared to other age groups.

If you’re a teen driver in Phillipsburg 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!

AAA

Ophelia (21 years old)

Coverage

15,000 per person

30,000 per accident bodily injury

Phillipsburg, NJ
(Zip Code: 08865)

Honda FIT

$193

per month

Bristol West

Sally (23 years old)

Coverage

25,000 per person

50,000 per accident bodily injury

Phillipsburg, NJ
(Zip Code: 08865)

Subaru Legacy 2.5I Limited

$107

per month

Cheapest car insurance in Phillipsburg 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 Phillipsburg for those aged 65 or older.

Travelers

Hannah (71 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Phillipsburg, NJ
(Zip Code: 08865)

KIA Sportage

$64

per month

Allstate

Josie (70 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Phillipsburg, NJ
(Zip Code: 08865)

Honda Clarity

$59

per month

Cheap car insurance quotes in Phillipsburg 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.

Phillipsburg 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 Phillipsburg customers. These reminders are sent when a payment is approaching or overdue.

We have successfully helped countless drivers in Phillipsburg who are currently uninsured or have experienced coverage lapses in finding affordable coverage.

Progressive

Gertrude (34 years old)

Currently Insured

Coverage

25,000 per person

50,000 per accident bodily injury

Phillipsburg, NJ
(Zip Code: 08865)

Ford Focus SE

$158

per month

AAA

Harvey (44 years old)

Currently Insured

Coverage

25,000 per person

50,000 per accident bodily injury

Phillipsburg, NJ
(Zip Code: 08865)

Honda Civic LX

$84

per month

Nationwide

Ollie (32 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Phillipsburg, NJ
(Zip Code: 08865)

Jeep Compass Latitude

$177

per month

Mercury

Esther (45 years old)

Currently Insured

Coverage

15,000 per person

30,000 per accident bodily injury

Phillipsburg, NJ
(Zip Code: 08865)

Chevrolet Trax 1LT

$149

per month

Bristol West

Amanda (51 years old)

Currently Insured

Coverage

25,000 per person

50,000 per accident bodily injury

Phillipsburg, NJ
(Zip Code: 08865)

GMC Terrain SLT

$78

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

I'm 19 years of age, with previous driving experience. This company has provided a cheap reliable insurance as well this app.

Caden

Travelers insurance has very competitive process with top notch coverage. Wouldn't think of using anyone else

Alex

I am very excited to have progressive as my first auto insurance, very low rate and great coverage

Mohammed

Since having Mercury bundle insurance package it's been very easy to navigate the online system and complete task. I rate them a 10

Vieshia

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 Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$73	Lois, 28 Zip: 08865	Honda CR-V LX	• 15,000/30,000 Liability
660 - 750	AAA	$166	Shawn, 29 Zip: 08865	Chrysler Pacifica Hybrid Touring L	• 100,000/300,000 Liability • Comp / Collision
660 - 750	Bristol West	$151	Stephen, 38 Zip: 08865	Mitsubishi Outlander Sport ES	• 25,000/50,000 Liability
550 - 659	AAA	$84	Lillian, 44 Zip: 08865	Honda Civic LX	• 25,000/50,000 Liability
< 550	Bristol West	$78	Amanda, 51 Zip: 08865	GMC Terrain SLT	• 25,000/50,000 Liability

Last Updated Nov 21, 2024

Cheap car insurance quotes in Phillipsburg for popular cars

If you’re a Phillipsburg driver shopping for a vehicle that will keep your car insurance rates as low as possible, don’t opt for a luxury SUV or sports car. Instead, look at popular makes and models like:

Honda Civic

Nissan Rogue

Ford Bronco

Chevrolet Silverado 1500

Toyota Corolla

MORE:

How to get car insurance before buying a car

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Honda Civic EX	Progressive	$351	Seth, 26 Zip: 08865	• 25,000/50,000 Liability • Comp / Collision

Last Updated Nov 17, 2024

How to lower car insurance costs in Phillipsburg

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.

Phillipsburg drivers can compare quotes quickly with the

Jerry

app. If you have a smartphone and 60 seconds, you can find the best rates in Phillipsburg for your unique driver profile. The service is 100% free and you could save a ton of money by shopping around.

Compare car insurance quotes now

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 Phillipsburg, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

Why is car insurance in Phillipsburg so expensive?

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

FAQ

What is the cheapest car insurance in Phillipsburg?

Based on thousands of Phillipsburg drivers Jerry has worked with, car insurance in Phillipsburg costs an average of $153 per month for state-minimum coverage and $256 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!

What is the best car insurance in Phillipsburg?

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 Phillipsburg 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.

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

The current minimum coverage requirements for standard

liability insurance

in New Jersey are:

$25,000 in

bodily injury liability

per person

$50,000 in bodily injury liability per accident

$25,000 in

property damage liability

coverage.

$15,000 per person in

personal injury protection (PIP)

coverage

You’ll commonly see this referred to as the 25/50/25 rule.

How much is car insurance in Phillipsburg?

People living in Phillipsburg pay on average $153 per month – or $1,838 per year – on state-minimum liability coverage. Full coverage in Phillipsburg costs on average $256 per month of $3,072 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

Kianna Walpole

Expert Insurance Writer & Editor

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

Amy Bobinger

Licensed Insurance Agent — Expert Insurance Editor

Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.

Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.

Josh Damico

Head Of Insurance Operations

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.