Key Takeaways
- Bristol West and Progressive offer some of the cheapest car insurance in New Jersey.
- Compare quotes from multiple insurers to find cheap car insurance in New Jersey.
If you need cheap car insurance in New Jersey, consider companies like Bristol West and Progressive. These insurers were among the cheapest insurers in the state, according to real quotes for Jerry customers.
Here are more cheap options for minimum and full coverage, plus preview quotes by age, driving history and quotes for low credit scores.
Cheap liability car insurance in New Jersey
Liability-only insurance, or “minimum coverage,” is the cheapest auto insurance you can get, but it won’t pay for damage to your car.
Here are the most affordable insurers in New Jersey for minimum coverage policies, according to real quotes for Jerry customers.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 36 | Toyota Corolla | Bristol West | $828 | April 30, 2025 |
| 23 | Hyundai Sonata | Bristol West | $293 | April 30, 2025 |
| 56 | Toyota Corolla | Bristol West | $375 | April 30, 2025 |
| 28 | Hyundai Sonata | Bristol West | $214 | April 30, 2025 |
| 36 | HYUNDAI SONATA | Progressive | $107 | April 30, 2025 |
| 23 | Jeep Liberty | Progressive | $94 | April 30, 2025 |
| 43 | NISSAN ROGUE | Progressive | $148 | April 30, 2025 |
| 46 | NISSAN ALTIMA | Progressive | $200 | April 30, 2025 |
| 62 | CHEVROLET EQUINOX | Progressive | $124 | April 30, 2025 |
| 35 | TOYOTA RAV4 | Bristol West | $333 | April 30, 2025 |
Minimum car insurance requirements in New Jersey
New Jersey requires drivers to carry the following minimum coverage, which the state refers to as a “basic” policy:
- $5,000 in property damage liability.
- $15,000 in personal injury protection, or PIP, per person per accident.
Drivers can purchase a “standard” policy for additional coverage, but it’s not required. This policy includes:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $15,000 in PIP per person per accident.
Cheap full coverage car insurance in New Jersey
Here are the most affordable insurers in New Jersey for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Electric | $187 | $2,241 |
| Safeco | $319 | $3,830 |
| Embark General | $356 | $4,273 |
| National General | $365 | $4,382 |
| Gainsco | $380 | $4,564 |
| Progressive | $382 | $4,590 |
| Assurance America | $384 | $4,608 |
| AAA | $391 | $4,691 |
| Mendota | $436 | $5,228 |
| Dairyland | $452 | $5,421 |
Minimum liability vs. full coverage in New Jersey
Minimum coverage only pays for damage or injury you cause to others if you’re found at-fault in an accident. It won’t cover damage to your own vehicle.
Full coverage includes New Jersey’s minimum requirements along with collision and comprehensive coverage. Here’s a breakdown of what full coverage includes:
- Liability insurance: covers injuries or property damage you cause to someone else in an accident.
- PIP: pays for you and your passengers injuries after a crash, regardless of who was at fault.
- Collision coverage: pays for damage to your vehicle after an accident regardless of who was responsible. This coverage has a deductible.
- Comprehensive coverage: pays for vehicle damage caused by a non-collision event like weather and theft. This coverage has a deductible.
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in New Jersey
Young drivers typically pay more for car insurance because they have less experience on the road and are riskier to insure than older drivers.
Below are the average costs of car insurance in New Jersey for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $687 | $8,242 |
| 21-24 | $438 | $5,255 |
Cheap liability car insurance in New Jersey for a 20-year-old
These are the cheapest car insurance companies in New Jersey for 20-year-olds with minimum coverage, according to Jerry’s data.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 20 | Nissan Altima | Bristol West | $444 | April 14, 2025 |
| 20 | Chevrolet Tahoe | Progressive | $447 | April 7, 2025 |
| 20 | Hyundai Elantra | Bristol West | $424 | April 2, 2025 |
| 20 | Chevrolet Malibu | Bristol West | $571 | March 31, 2025 |
| 20 | HONDA ACCORD | Progressive | $578 | March 30, 2025 |
| 20 | Honda Accord | Bristol West | $360 | March 29, 2025 |
| 20 | Infiniti G37 | Bristol West | $541 | March 27, 2025 |
| 20 | Volkswagen Beetle | Bristol West | $416 | March 18, 2025 |
| 20 | Ford Mustang | Bristol West | $1,010 | March 16, 2025 |
| 20 | Toyota Prius | Bristol West | $1,279 | March 13, 2025 |
Cheap full coverage in New Jersey for a 20-year-old
Here are the most affordable insurers in New Jersey for 20-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 20 | RAM 1500 | Progressive | $1,019 | April 9, 2025 |
| 20 | Honda Civic | Progressive | $482 | March 27, 2025 |
| 20 | KIA Optima | Bristol West | $498 | March 16, 2025 |
| 20 | Chevrolet Camaro | Bristol West | $772 | March 7, 2025 |
| 20 | Ford Mustang | Bristol West | $1,858 | March 2, 2025 |
| 20 | Tesla Model 3 | Bristol West | $1,249 | February 17, 2025 |
| 20 | Honda Civic | Bristol West | $1,094 | February 15, 2025 |
| 20 | Toyota Camry | Progressive | $546 | January 2, 2025 |
| 20 | INFINITI Q50 | Progressive | $1,147 | July 6, 2024 |
| 20 | TOYOTA AVALON | Progressive | $458 | June 21, 2024 |
Average auto insurance costs for mature drivers in New Jersey (25-54)
The cost of car insurance lowers as drivers age and get more driving experience. Below are the average costs of car insurance for drivers in New Jersey between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $361 | $4,335 |
| 35-44 | $334 | $4,003 |
| 45-54 | $323 | $3,880 |
Cheapest liability car insurance in New Jersey for a 35-year-old
Here are the most affordable insurers in New Jersey for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 35 | TOYOTA RAV4 | Bristol West | $333 | April 30, 2025 |
| 35 | DODGE DURANGO | Bristol West | $214 | April 29, 2025 |
| 35 | Toyota Tacoma | Progressive | $160 | April 23, 2025 |
| 35 | Honda Odyssey | Progressive | $280 | April 23, 2025 |
| 35 | HYUNDAI SONATA | Progressive | $315 | April 22, 2025 |
| 35 | Jeep Liberty | Bristol West | $187 | April 18, 2025 |
| 35 | BMW X1 | Bristol West | $117 | April 15, 2025 |
| 35 | KIA Optima | Bristol West | $193 | April 15, 2025 |
| 35 | Honda Civic | Bristol West | $285 | April 12, 2025 |
| 35 | FORD EXPLORER | Progressive | $112 | April 11, 2025 |
Cheapest full coverage in New Jersey for a 35-year-old
Below are the cheapest auto insurers in New Jersey for 35-year-olds with full coverage.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 35 | NISSAN ALTIMA | Progressive | $849 | April 30, 2025 |
| 35 | Tesla Model 3 | Progressive | $326 | April 29, 2025 |
| 35 | Jeep Grand Cherokee | Bristol West | $342 | April 27, 2025 |
| 35 | GMC Terrain | Progressive | $357 | April 25, 2025 |
| 35 | DODGE CHARGER | Progressive | $155 | April 21, 2025 |
| 35 | JEEP CHEROKEE | Bristol West | $217 | April 21, 2025 |
| 35 | Toyota Camry | Progressive | $207 | April 17, 2025 |
| 35 | Jeep Compass | Bristol West | $1,088 | April 15, 2025 |
| 35 | TOYOTA CAMRY | Progressive | $874 | April 15, 2025 |
| 35 | Toyota Camry | Bristol West | $352 | April 13, 2025 |
Average car insurance costs for older drivers in New Jersey (55+)
While car insurance costs are usually at their lowest for drivers in their 50s, prices tend to increase as drivers reach their late 60s.
Below are the average car insurance costs for drivers in New Jersey aged 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $304 | $3,651 |
| 65+ | $284 | $3,409 |
Cheapest liability car insurance in New Jersey for a 65-year-old
Here are the most affordable insurers in New Jersey for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 65 | Kia Forte | Progressive | $766 | March 23, 2025 |
| 65 | Nissan Rogue | Bristol West | $339 | January 29, 2025 |
| 65 | Hyundai Tucson | Progressive | $296 | January 5, 2025 |
| 65 | Dodge Challenger | Bristol West | $338 | December 1, 2024 |
| 65 | Hyundai Tucson | Bristol West | $287 | November 2, 2024 |
| 65 | Chevrolet Trailblazer | Bristol West | $736 | August 31, 2024 |
| 65 | Hyundai Elantra | Bristol West | $278 | August 8, 2024 |
| 65 | Acura Rdx | Bristol West | $118 | July 21, 2024 |
| 65 | Toyota Highlander | Progressive | $464 | July 17, 2024 |
| 65 | Buick Enclave | Bristol West | $433 | July 7, 2024 |
Cheapest full coverage in New Jersey for a 65-year-old
These are the cheapest car insurance companies in New Jersey for 65-year-olds with full coverage, according to Jerry’s data.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 35 | NISSAN ALTIMA | Progressive | $849 | April 30, 2025 |
| 35 | Tesla Model 3 | Progressive | $326 | April 29, 2025 |
| 35 | Jeep Grand Cherokee | Bristol West | $342 | April 27, 2025 |
| 35 | GMC Terrain | Progressive | $357 | April 25, 2025 |
| 35 | DODGE CHARGER | Progressive | $155 | April 21, 2025 |
| 35 | JEEP CHEROKEE | Bristol West | $217 | April 21, 2025 |
| 35 | Toyota Camry | Progressive | $207 | April 17, 2025 |
| 35 | Jeep Compass | Bristol West | $1,088 | April 15, 2025 |
| 35 | TOYOTA CAMRY | Progressive | $874 | April 15, 2025 |
| 35 | Toyota Camry | Bristol West | $352 | April 13, 2025 |
Cheapest car insurance in New Jersey by driving history
Your driving history is one of the most important factors in calculating your auto insurance costs. If you’re a safe driver with a clean record, you’ll usually pay less than those with violations like an at-fault accident or speeding ticket.
Cheap car insurance for drivers with clean records in New Jersey
Below are the cheapest auto insurers in New Jersey for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Infinity | $93 | $1,112 |
| Trexis | $110 | $1,318 |
| Dairyland | $114 | $1,369 |
| Electric | $129 | $1,547 |
| Embark General | $155 | $1,865 |
Cheapest car insurance with a speeding ticket in New Jersey
Here are the most affordable insurers in New Jersey for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $117 | $1,407 |
| Gainsco | $232 | $2,785 |
| AAA | $282 | $3,384 |
| Assurance America | $299 | $3,590 |
| Progressive | $330 | $3,963 |
Cheapest car insurance after an at-fault accident with no injury in New Jersey
Below are the cheapest auto insurers in New Jersey for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $122 | $1,458 |
| Commonwealth Insurance | $134 | $1,607 |
| Aspen | $172 | $2,063 |
| National General | $208 | $2,501 |
| Trexis | $239 | $2,864 |
Cheapest auto insurance after an at-fault accident with injury in New Jersey
Here are the most affordable insurers in New Jersey for those with an at-fault accident with injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $153 | $1,832 |
| National General | $156 | $1,867 |
| Aspire Advantage | $161 | $1,927 |
| Progressive | $385 | $4,619 |
| Bristol West | $511 | $6,131 |
Cheapest car insurance with a DUI in New Jersey
Below are the cheapest auto insurers in New Jersey for people with a DUI on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $133 | $1,596 |
| Progressive | $311 | $3,727 |
| First Acceptance | $354 | $4,244 |
| Bristol West | $367 | $4,404 |
Average auto insurance costs for New Jersey drivers with other violations
Below are average car insurance costs in New Jersey for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $401 | $4,808 |
| Cell Phone | $471 | $5,657 |
| Defective Equipment | $394 | $4,725 |
| Driving on Sus. License | $271 | $3,249 |
| Eluding Police | $371 | $4,455 |
Cheapest auto insurance for low credit scores in New Jersey
You’ll likely pay more for auto insurance if you have a low credit score. That’s because insurers in New Jersey use credit as a factor in car insurance rate calculations — and drivers with low scores have been shown to be more likely to file a car insurance claim. Here are the cheapest auto insurance companies in New Jersey for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $115 | $1,383 |
| Anchor General | $122 | $1,458 |
| Embark General | $172 | $2,069 |
| National General | $246 | $2,947 |
| Gainsco | $253 | $3,034 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in New Jersey
The best way to get cheap car insurance in New Jersey is to compare quotes from multiple insurance companies. Don’t assume your current insurer is the most affordable, even if it was when you first bought your policy.
Try these tips to get a more affordable policy:
- Ask about discounts.
- Bundle your home and auto insurance under the same insurer.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
More: Best car insurance companies
Factors that affect car insurance costs in New Jersey
Insurers price auto insurance rates using factors like your:
- ZIP code.
- Driving history.
- Credit score.
- Claims history.
- Age.
- Marital status.
- Vehicle type.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
