Let’s answer all of your questions about New Jersey car insurance quotes.
With a high population density and close proximity to New York, living in New Jersey is expensive enough without worrying about expensive car insurance. While searching for affordable car insurance can be difficult, our review team helps you understand NJ auto insurance quotes by taking a closer look at the cost of New Jersey auto insurance, the state minimum car insurance requirements, and more to answer your questions about insurance in the Garden State.
While finding the right car insurance may be difficult, getting a free New Jersey auto insurance quote isn't. Call our team at (855) 518-0148 to get free, personalized quotes seven days a week or use the tool below to get matched with the best New Jersey car insurance providers in your zip code:
In this article:
- New Jersey Car Insurance Minimum Requirements
- Factors That Affect Your NJ Auto Insurance Quotes
- How Much Is Car Insurance Per Month In NJ?
- How To Get Cheap Liability Coverage In New Jersey
- What If I Can’t Afford The Minimum Insurance In NJ?
- Our Recommendations For Car Insurance Quotes In NJ
Whether you are shopping for new car insurance or looking to switch providers, we recommend getting quotes from several different providers and comparing them to be sure you’re getting coverage for the best possible price. To help you make a more educated decision, our review team evaluated 30 of the best auto insurance providers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top picks, including USAA, Progressive, and Geico car insurance.
New Jersey Car Insurance Minimum Requirements
Every state has different minimum requirements when it comes to car insurance. New Jersey is a 15/30/5 state, which means every driver needs:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability
New Jersey also requires that motorists carry personal injury protection (PIP) insurance, and protection from uninsured/underinsured motorists (UM/UIM). Drivers in NJ need at least the following amounts:
- $15,000 in PIP coverage per person
- $5,000 in UM/UIM
When you reach out for auto insurance quotes in NJ, you will see other standard types of car insurance including collision, comprehensive, and medical payments, as well as a few extras like roadside assistance and gap insurance. These coverages are not required by law but can be very valuable to have.
New Jersey is a no-fault state, meaning that your own insurance company covers your medical expenses regardless of which party caused the collision. This also limits your right to sue in certain situations.
Factors That Affect Your NJ Auto Insurance Quotes
The cost of car insurance depends on your personal information, vehicle information, and more. Auto insurance rates in New Jersey are calculated based on the following:
- Demographic factors including your age, gender, and marital status
- Vehicle make, model, and year
- Vehicle mileage
- Your driving record
- Number of claims you’ve filed in the past
- Location where you park your car
- Credit-based insurance score
- And more
How Much Is Car Insurance Per Month In NJ?
Unfortunately for New Jersey drivers, the state is one of the most expensive for auto insurance. According to the NAIC, the cost of New Jersey car insurance was $1,350.28 in 2017, while the national average was $1,004.68. That breaks down to about $112.52 per month.
Here’s a breakdown of the coverage costs that year based on data from the Insurance Information Institute:
|Type of Coverage||Average Annual Expenditure in 2017|
*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
Keep in mind that some drivers purchased only the state minimum coverage, while others opted for full coverage.
How To Get Cheap Liability Coverage In New Jersey
It's hard to find cheap car insurance in New Jersey due to the state’s population density, among other factors. Here are a few tips to save when you’re searching for car insurance quotes in NJ.
- Ask about discounts: While discount opportunities differ from provider to provider, some common discount opportunities include good driver discounts, good student discounts, bundling discounts, and multiple vehicle discounts.
- Increase your deductible: A higher deductible usually means a lower premium. This is an easy way to save money on your liability coverage, but keep in mind that you will need to pay that deductible if you ever cause an auto accident.
- Improve your credit score: Data from the Federal Trade Commission suggests that drivers with low credit tend to file more claims than drivers with a high credit history. Because of this, many auto insurance companies take their customers’ credit scores into consideration when determining the cost of premiums.
Enter your zip code in the form below or call (855) 518-0148 to find the cheapest car insurance coverage plans in your area.
What If I Can’t Afford The Minimum Insurance In NJ?
Insurance is required for all motorists in the state of New Jersey. If a motorist is caught driving without insurance, they could face serious repercussions. NJ takes has some of the toughest penalties for motorists driving without insurance, including:
|First Offense||Second and Subsequent Offenses|
$300–$1,000 in fines with $250 surcharge assessment over three years
$500–$5,000 in fines with $250 surcharge assessment over three years
Driver’s license suspension for one year
Driver’s license suspension for two years with reinstatement up to the DMV director
Community service for an amount of time determined by court
Up to 180 hours of community service
Possible vehicle impoundment if proof of insurance is not present within 24 hours of citation
Possible vehicle impoundment if proof of insurance is not presented within 24 hours of citation
|Up to 14 days in jail|
Our Recommendations For Car Insurance Quotes In NJ
When shopping around for the cheapest car insurance quotes in New Jersey, it’s smart to get quotes from more than one provider. USAA auto insurance and Progressive auto insurance are two of the top providers in the state, so we recommend getting a quote from each and comparing policies.
USAA Car Insurance: 5 Stars
In our review of USAA car insurance, we found that USAA is a great insurance provider option for military personnel and their families. With an AM Best financial strength rating of A++ (Superior) and a 900 out of a possible 1,000 rating on JD Power’s 2019 U.S. Auto Claims Satisfaction Study, USAA has a strong reputation in the auto insurance industry and great customer reviews.
USAA offers auto insurance coverage in all 50 states and has various discounts for New Jersey drivers. To find out if USAA is right for you, we recommend getting quotes from several providers and comparing coverage.
Progressive Car Insurance: 4.5 Stars
We found that Progressive car insurance is a great option for drivers searching for auto insurance quotes in NJ – especially drivers in their 20s or drivers with a DUI on record. Progressive liability insurance limits are 250/500/100, which is more than enough to satisfy New Jersey’s minimum car insurance requirements.
One of the discounts offered by Progressive that could save you money on New Jersey auto insurance is the Snapshot program that monitors your driving habits through an app on your phone. You can also get car insurance discounts for being a homeowner, bundling your policies, electing to use the auto-pay feature, and purchasing your policy online.
Enter your zip code in our tool below or call (855) 518-0148 to start comparing personalized car insurance quotes:
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