Best Auto Insurance in New Jersey (2025)
Compare top-rated auto insurance companies in New Jersey. Find affordable coverage that meets NJ state requirements and save up to 40% on your premium.
$1,674
Avg. Annual Premium
15/30/5
Minimum Coverage
Newark
Largest City
9.3 million
Population
New Jersey Auto Insurance Requirements
New Jersey is a no-fault state with complex insurance requirements including PIP coverage.
Minimum Liability Coverage: 15/30/5
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in New Jersey
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in New Jersey can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in New Jersey use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
New Jersey Auto Insurance FAQs
What is the minimum auto insurance required in New Jersey?
New Jersey requires minimum liability coverage of 15/30/5 (bodily injury per person/per accident/property damage). New Jersey is a no-fault state with complex insurance requirements including PIP coverage.
How much does car insurance cost in New Jersey?
The average annual car insurance premium in New Jersey is $1,674. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in New Jersey?
Key factors affecting New Jersey auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Newark typically pay more than those in rural areas.
How can I find cheap car insurance in New Jersey?
To find affordable car insurance in New Jersey: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free New Jersey Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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