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Albert Gulyaev
Albert Gulyaev

N.j. Car Insurance

Shopping Information Auto insurance is required in New Jersey. As a New Jersey driver, you have many choices when it comes to purchasing auto insurance. Each choice you make affects the coverage you receive and the amount you pay. As with any major purchase you need to understand the product before you buy it. Use the tools below to help you shop for the coverage that best suits your needs.

n.j. car insurance


Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:

When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.

In an industry that relies on customer satisfaction, we pride ourselves on being committed to our customers. Get your Connecticut, Maryland, New Jersey, Ohio, or Pennsylvania auto insurance quote today and learn what sets us apart.

When looking into car insurance quotes in New Jersey, let Progressive put you on the road to protection and savings. Learn more about New Jersey auto insurance requirements and available discounts, so you can choose the coverages that fit your needs and your budget.

PIP covers your medical costs, as well as lost wages and death benefits, and pays out even if you're at fault. UM/UIM BI pays for medical expenses for you and your passengers if you're hit by a driver with little or no insurance. UM/UIM PD covers damage caused to your vehicle from an uninsured or underinsured driver.

Auto insurance rates tend to run higher in New Jersey compared to other states, according to average expenditure data gathered by the NAIC in 2018. However, rates vary based on many factors like where you live, your driving history, and the limits and coverages you choose. Learn more about the factors behind the cost of car insurance.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

Whether you're new to New Jersey or you've lived in the Garden State for a while and are just shopping around for the best car insurance rate, you'll be glad you checked with GEICO. We've got many ways to help you save money and lots of useful information for New Jersey drivers just like you.

There are two common types of New Jersey auto insurance policies: standard and basic. The standard policy (most popular) provides several coverage options as well as the option to buy additional protection. A basic policy, while cheaper, provides limited benefits.

Information about car insurance claims requirements for the State of New Jersey, as well as documents related to New Jersey's Decision Point Review Plan and Pre-Certification Plan can be reviewed in the link provided.

GEICO Insurance Agency, Inc. has partnered with to provide insurance products. When you click "Continue" you will be taken to their website, which is not owned or operated by GEICO. GEICO has no control over their privacy practices and assumes no responsibility in connection with your use of their website. Any information that you directly provide is subject to the privacy posted on their website.

We value your privacy. We may collect personal information from you such as identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with our website, IP address), geo-location data, audio recordings and other forms of personal information. We use this information for business, marketing and commercial purposes, including but not limited to, providing the products and services you request, processing your claims, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products.

We at the Guides Auto Team have reviewed the cheapest car insurance options in New Jersey. We researched the best car insurance companies in New Jersey to see which offered the best coverage at the cheapest prices.

Currently, the cheapest car insurance companies in New Jersey are Geico, Progressive, State Farm, NJM Insurance and Travelers. Below is a breakdown of their overall ratings as well as cost and coverage ratings:

While these car insurance companies are considered the best in New Jersey, the quotes given to each person can vary. Due to this, we recommend that you compare rates from many different providers to find the best deal possible.

At rates of $47 per month or $565 per year, Geico is the cheapest liability car insurance provider in New Jersey. Many other companies including NJM Insurance, Allstate, Palisades Insurance and Selective Insurance offer low rates as well. Here are the companies that offer the cheapest car insurance rates for minimum coverage, according to our research:

We at the Guides Auto Team were able to find full coverage car insurance in New Jersey for as little as $1,359 per year or around $113 per month. The table below shows the insurance providers that offer the lowest average rates for full coverage policies:

Based on our research, Geico and NJM Insurance provide the cheapest auto insurance rates for 16-year-old drivers in New Jersey. 16-year olds usually have the most expensive rates overall for car insurance.

On average, for 17-year-olds the cheapest car insurance comes from Geico at $231 per month or $2,777 per year for full coverage. Overall, we found that 17-year-olds pay slightly less overall compared to 16-year-olds.

Our research shows that NJM Insurance and Geico offer the cheapest car insurance coverage for 18-year-old drivers. Travelers, State Farm and Selective Insurance are also good options for a car insurance policy in New Jersey.

According to our research, 21-year-old motorists can get the cheapest car insurance at $158 per month or $1,897 per year with Geico. New Jersey drivers in their early 20s may find lower rates on average than teen drivers.

Progressive offers the lowest estimated rates for drivers with poor credit at $180 per month or $2,163 per year. New Jersey is one of many states that allows insurers to use credit scores as a factor in car insurance premiums. Drivers with lower credit scores typically pay much higher rates for coverage. The average rate estimate for drivers with poor credit in New Jersey is $353 per month or $4,232 per year.

The best car insurance companies in New Jersey are Geico, Progressive, State Farm, NJM Insurance and Travelers. Below we will go into detail about these top companies for car insurance in New Jersey and their coverage options:

According to rate estimates, Geico is one of the cheapest choices for car insurance in New Jersey. The company offers a wide range of coverage and add-on options for drivers, from mechanical breakdown insurance to rental car reimbursement and 24/7 roadside assistance.

NJM Insurance is a regional provider offering automobile insurance in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania. The company stands out from others on our list due to its impressive customer satisfaction ratings. In addition to standard insurance, NJM offers gap insurance, transportation expenses, roadside assistance and rideshare endorsements.

Travelers is the last name on our list of the best New Jersey auto insurance companies. The insurer offers several add-on coverages and features that Garden State drivers can choose from, including gap insurance, new car replacement, accident forgiveness and rideshare coverage.

Teen drivers in the Garden State pay higher rates for car insurance than older drivers. According to our research, 16-year-old drivers pay an average of $741 per month or $8,895 per year, while 30-year-old drivers pay $2,131 per year on average for full coverage auto insurance.

Rates for auto insurance vary from state to state, but they also vary within states based on ZIP code as well. Drivers in more urban areas tend to pay higher premiums than those in more rural areas. In New Jersey, rates are typically higher in cities closer to New York City and Philadelphia too.

New Jersey is one of 12 states that follows a no-fault car insurance system. Under the no-fault system, your car insurance company is responsible for paying for medical treatments and other out-of-pocket expenses incurred by anyone under an insurance policy, no matter who caused the accident. 041b061a72


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