- The best car insurance company in New Jersey for 2025: NJM
- The company with the cheapest car insurance in New Jersey: NJM
- Average cost of car insurance in New Jersey: Liability-only and full coverage
- The minimum required car insurance in New Jersey
- Cheapest car insurance companies for a state minimum liability policy in New Jersey
- The cheapest car insurance by driver age in New Jersey
- Cheapest car insurance companies in New Jersey for drivers with tickets, DUIs and accidents
- Compare auto insurance rates by city in New Jersey
- Car insurance premium trends in New Jersey
- Methodology
- Compare New Jersey car insurance rates with other states
The best car insurance company in New Jersey for 2025: NJM
New Jersey Manufacturers is the best car insurance company in New Jersey, based on our 2025 best car insurance companies rankings, with an overall rating of 4.92. GEICO came in second, with an overall rating of 3.96.
See how the top car insurers in NJ ranked based on price, NAIC complaint ratio, and AM Best financial ratings below.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| NJM | A+ | 711 | 0.05 | $1,318 | 4.92 |
| GEICO | A++ | 647 | 0.69 | $1,563 | 3.96 |
| Travelers | A++ | 628 | 0.52 | $1,706 | 3.75 |
| Plymouth Rock Assurance | A- | 619 | 0.19 | $1,737 | 3.57 |
| State Farm | A++ | 652 | 0.79 | $2,153 | 3.34 |
| Progressive | A+ | 624 | 0.71 | $2,187 | 3.05 |
| Farmers | A | 610 | 0.86 | $2,254 | 2.72 |
| Allstate | A- | 624 | 1.06 | $2,294 | 2.6 |
The company with the cheapest car insurance in New Jersey: NJM
NJM offers the cheapest full coverage car insurance in New Jersey with average rates of $2,134 a year or $178 monthly. State minimum coverage costs an average of $830 annually.
Selective Insurance comes in second at $2,232 for full coverage and $801 for state minimum coverage.
We have gathered price quotes from all the major insurance providers in New Jersey and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| NJM | $830 | $830 | $2,134 |
| Selective Insurance | $801 | $1,001 | $2,232 |
| Plymouth Rock Assurance | $899 | $976 | $2,400 |
| GEICO | $774 | $897 | $2,487 |
| Travelers | $1,512 | $1,591 | $2,579 |
| Farmers | $1,228 | $1,168 | $2,712 |
| Progressive | $1,055 | $1,125 | $3,071 |
| Allstate | $1,218 | $1,355 | $3,206 |
| State Farm | $1,823 | $1,935 | $3,819 |
| The Hanover | $1,985 | $2,069 | $5,557 |
Average cost of car insurance in New Jersey: Liability-only and full coverage
The average car insurance rate in New Jersey is $2,736 a year for a full coverage policy with a coverage level of 100/300/100 and $500 deductibles.
The average cost of state minimum coverage in New Jersey is $1,124.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in New Jersey
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Passaic | $1,983 | $165 |
| Paterson | $1,964 | $164 |
| Ridgefield | $1,956 | $163 |
| Palisades Park | $1,956 | $163 |
| Cliffside Park | $1,956 | $163 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Clinton | $1,047 | $87 |
| Annandale | $1,047 | $87 |
| Pottersville | $1,047 | $87 |
| Quakertown | $1,047 | $87 |
| Pittstown | $1,047 | $87 |
The New Jersey Department of Insurance says...
Consumers can save premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. dollars by choosing their health care insurers as primary in the case of auto accident-related injuries. It is important to check with your health care insurer before choosing the Health Care Primary Option.
- The New Jersey Department of InsuranceThe minimum required car insurance in New Jersey
In New Jersey, you need a minimum of 25/50/25 liability car insurance coverage. New Jersey’s state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $1,124 annually or $94 monthly.
Minimum liability insurance requirements for New Jersey:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $25,000 per person
- Personal injury protection (PIP): $15,000 per person
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
- Uninsured/underinsured motorist property damage coverage: $25,000 per person
Cheapest car insurance companies for a state minimum liability policy in New Jersey
NJM provides the cheapest state minimum liability insurance, averaging $830 annually or $69 monthly.
Below is the list of top insurance companies in New Jersey and average rates for a state minimum policy.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| NJM | $830 | $69 |
| GEICO | $897 | $75 |
| Plymouth Rock Assurance | $976 | $81 |
| Selective Insurance | $1,001 | $83 |
| Progressive | $1,125 | $94 |
| Farmers | $1,168 | $97 |
| Allstate | $1,355 | $113 |
| Travelers | $1,591 | $133 |
| State Farm | $1,935 | $161 |
| The Hanover | $2,069 | $172 |
The cheapest car insurance by driver age in New Jersey
GEICO offers the cheapest car insurance for a 16-year-old driver in New Jersey at $4,664 per year.
In New Jersey, NJM offers the cheapest car insurance for a 25-year-old driver at $2,537 per year. NJM offers the cheapest car insurance for a 65-year-old driver at $1,858 per year.
Compare car insurance rates by age and company below.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| GEICO | $4,664 | $389 |
| NJM | $5,629 | $469 |
| Selective Insurance | $8,138 | $678 |
| Travelers | $9,452 | $788 |
| State Farm | $10,886 | $907 |
| Plymouth Rock Assurance | $10,892 | $908 |
| Allstate | $12,836 | $1,070 |
| Farmers | $24,004 | $2,000 |
| Progressive | $25,738 | $2,145 |
| The Hanover | $27,375 | $2,281 |
Cheapest car insurance companies in New Jersey for drivers with tickets, DUIs and accidents
NJM offers the cheapest car insurance rates for drivers with an at-fault accident or DUI, as well as for drivers with a speeding ticket.
Below are the average New Jersey rates by company for drivers with accidents and tickets on their driving record.
Below, you'll find average rates by company based on driver profile.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| GEICO | $2,487 | $3,496 | $0 |
| NJM | $2,134 | $2,315 | $2,805 |
| Plymouth Rock Assurance | $2,400 | $3,555 | $3,041 |
| Travelers | $2,579 | $4,371 | $3,759 |
| Progressive | $3,071 | $5,237 | $4,157 |
| Allstate | $3,206 | $7,222 | $4,561 |
| Farmers | $2,712 | $5,996 | $4,648 |
| State Farm | $3,819 | $6,362 | $7,797 |
Compare auto insurance rates by city in New Jersey
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in New Jersey will impact what you pay. Below, we've gathered New Jersey car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Clifton | $2,344 |
East Brunswick | $1,878 |
Jersey City | $2,331 |
Car insurance premium trends in New Jersey
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in New Jersey to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare New Jersey car insurance rates with other states
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