in Sussex costs about $148 per month for minimum coverage liability insurance, and about $148 per month for full coverage insurance. Sussex drivers pay 17% less than the

New Jersey

average.

Jerry Insurance Agency

is here to help Sussex 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.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 22, 2023	Plymouth Rock	$95	Luis, 32 Zip: 07461	Hyundai Tucson Limited	• 100,000/300,000 Liability • Comp / Collision
September 11, 2023	Mercury	$93	Rosalie, 28 Zip: 07461	Hyundai Elantra SE	• 15,000/30,000 Liability • Comp / Collision
September 7, 2023	Nationwide	$130	Catherine, 39 Zip: 07461	Lexus IS 300	• 100,000/300,000 Liability • Comp / Collision
September 2, 2023	Progressive	$106	Sophie, 25 Zip: 07461	Nissan Rogue S	• 25,000/50,000 Liability

Last Updated Sep 22, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Sussex

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

Some research finds that

GEICO

offers the cheapest car insurance rates in Sussex, 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 Sussex.

Insurance Company	Overall Rating	Price	Claims Experience	Customer 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

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 Sussex

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

Some research finds that

GEICO

offers the cheapest car insurance rates in Sussex, 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 Sussex.

Cheap minimum liability insurance quotes in Sussex

In Sussex , the current minimum coverage requirements for standard

liability insurance

are:

$15,000 in

bodily injury liability

per person

$30,000 in bodily injury liability per accident

$5,000 in

property damage liability

coverage.

$15,000 per person in

personal injury protection (PIP)

coverage

You’ll commonly see this referred to as the 15/30/5 rule.

Do you need more than minimum coverage in Sussex?

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 15/30/5 limits established by

New Jersey insurance laws

For this reason, Sussex drivers should purchase a more robust liability insurance policy.

Cheap full coverage car insurance quotes in Sussex

In Sussex, 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	$162	Estella, 38 Zip: 07461	Hyundai Elantra SEL
• 25,000/50,000 Liability • Comp / Collision	Travelers	$196	Christina, 29 Zip: 07461	Ford Escape Titanium
• 100,000/300,000 Liability • Comp / Collision	Nationwide	$130	Catherine, 39 Zip: 07461	Lexus IS 300
• 15,000/30,000 Liability • Comp / Collision	Mercury	$93	Eric, 28 Zip: 07461	Hyundai Elantra SE

Last Updated Sep 22, 2023

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.

Lower my car insurance too!

Average cost of car insurance in Sussex, New Jersey

Sussex car owners can expect to spend an average of $148 per month and $1,770 per year on full-coverage car insurance, or $148 per month and $1,770 per year on liability-only coverage.

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

Insurance companies in Sussex 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 Sussex?

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 abut the car insurance rating factors in Sussex:

Cheap car insurance quotes in Sussex 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 Sussex after an at-fault accident

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

For every Sussex 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 No Injury	Progressive	$304	Gertrude, 29 Zip: 07461	Hyundai Tucson SE	• 15,000/30,000 Liability • Comp / Collision
Not At Fault	Mercury	$93	Willie, 28 Zip: 07461	Hyundai Elantra SE	• 15,000/30,000 Liability • Comp / Collision
At Fault With No Injury	Travelers	$196	Hester, 29 Zip: 07461	Ford Escape Titanium	• 25,000/50,000 Liability • Comp / Collision

Last Updated Sep 21, 2023

Cheapest car insurance in Sussex 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 Sussex.

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
Careless Driving	Progressive	$304	Julian, 29 Zip: 07461	Hyundai Tucson SE	• 15,000/30,000 Liability • Comp / Collision
Improper Passing	Progressive	$304	Hulda, 29 Zip: 07461	Hyundai Tucson SE	• 15,000/30,000 Liability • Comp / Collision

Last Updated Sep 22, 2023

Cheap car insurance quotes in Sussex by age

Teen drivers in Sussex 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 Sussex, with premiums decreasing after they reach the age of 25.

Conversely, rates will start to go up again around the age of 75.

Cheap car insurance quotes in Sussex 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.

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

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

Progressive

Jessie (25 years old)

Currently Insured

Coverage

25,000 per person

50,000 per accident bodily injury

Sussex, NJ (Zip Code: 07461)

Nissan Rogue S

$106

per month

Nationwide

Derek (39 years old)

Not Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Sussex, NJ (Zip Code: 07461)

Lexus IS 300

$130

per month

Travelers

Dale (29 years old)

Currently Insured

Coverage

25,000 per person

50,000 per accident bodily injury

Comp / Collision

Sussex, NJ (Zip Code: 07461)

Ford Escape Titanium

$196

per month

Mercury

Cecelia (28 years old)

Currently Insured

Coverage

15,000 per person

30,000 per accident bodily injury

Comp / Collision

Sussex, NJ (Zip Code: 07461)

Hyundai Elantra SE

$93

per month

Plymouth Rock

Lydia (32 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Sussex, NJ (Zip Code: 07461)

Hyundai Tucson Limited

$95

per month

Over 3,500,000 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	$162	Louise, 38 Zip: 07461	Hyundai Elantra SEL	• 25,000/50,000 Liability • Comp / Collision
660 - 750	Progressive	$106	Bertie, 25 Zip: 07461	Nissan Rogue S	• 25,000/50,000 Liability
660 - 750	Progressive	$106	Nelle, 25 Zip: 07461	Nissan Rogue S	• 25,000/50,000 Liability
550 - 659	Progressive	$304	Emma, 29 Zip: 07461	Hyundai Tucson SE	• 15,000/30,000 Liability • Comp / Collision

Last Updated Sep 22, 2023

Cheap car insurance quotes in Sussex for popular cars

If you’re a Sussex 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

How to lower car insurance costs in Sussex

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.

Sussex drivers can compare quotes quickly with the

Jerry

app. If you have a smartphone and 60 seconds, you can find the best rates in Sussex 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!

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3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance in Sussex , 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 Sussex so expensive?

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

FAQ

What is the cheapest car insurance in Sussex?

Based on thousands of Sussex drivers Jerry has worked with, car insurance in Sussex costs an average of $148 per month for state-minimum coverage and $148 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 Sussex?

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 Sussex 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 Sussex, New Jersey?

The current minimum coverage requirements for standard

liability insurance

in New Jersey are:

$15,000 in

bodily injury liability

per person

$30,000 in bodily injury liability per accident

$5,000 in

property damage liability

coverage.

$15,000 per person in

personal injury protection (PIP)

coverage

You’ll commonly see this referred to as the 15/30/5 rule.

How much is car- insurance in Sussex?

People living in Sussex pay on average $148 per month – or $1,770 per year – on state-minimum liability coverage. Full coverage in Sussex costs on average $148 per month of $1,770 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

R.E. Fulton

Expert Insurance Writer and Editor

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.

Lina Zhang

Licensed Insurance Agent

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.

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.