Best Car Insurance in New Jersey

NJM offers the best car insurance in New Jersey, according to NerdWallet’s analysis.
Ryan Brady
By Ryan Brady 
Updated
Edited by Ben Moore

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If you’re in the market for car insurance and you live in Garden State, you’ve got plenty of options to choose from. But identifying the best car insurance company in New Jersey can feel like trying to put together a jigsaw puzzle in the dark. That’s why we’ve put the pieces together for you.

NerdWallet analyzed 24 insurance companies in New Jersey to help you find the best option. We split our top picks into four categories:

If you’d rather see the full list of the best car insurance companies in NJ, along with their star ratings, jump to the bottom of the page.

NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance in NJ. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our analysis, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Best car insurance in New Jersey overall: NJM

Headquartered in West Trenton, New Jersey, NJM holds the highest overall star rating out of the 24 companies in New Jersey we analyzed. Because our auto insurance star ratings reward companies for customer-first features and practices, this category represents an overall solid choice for New Jersey drivers seeking a well-rounded insurance company.

best overall
insurance-product-card-logo

NJM

5.0

NerdWallet rating 
NJM is among our best car insurance companies for 2023, but it is available in only five states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
best overall
insurance-product-card-logo

NJM

5.0

NerdWallet rating 
NJM is among our best car insurance companies for 2023, but it is available in only five states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

» Get the full scoop: NJM auto insurance review

Best car insurance in New Jersey for your budget: Geico

Geico comes out on top as the best car insurance in NJ for your wallet. The company’s average rate for full coverage car insurance is $123 a month in New Jersey. That’s the cheapest car insurance rate among our list of top-rated insurers. Geico also offers a host of car insurance discounts drivers may qualify for. The company is also the largest insurer in New Jersey

National Association of Insurance Commissioners. 2022 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide. Accessed Sep 21, 2023.
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However, your own rate will be different. For a more comprehensive list of affordable options, check out NerdWallet’s analysis of cheap car insurance in New Jersey, which includes the absolute cheapest companies.

Best budget pick
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Geico

4.5

NerdWallet rating 
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Close to expected
Best budget pick
insurance-product-card-logo

Geico

4.5

NerdWallet rating 
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Close to expected

» Get the full scoop: Geico auto insurance review

Best car insurance in New Jersey for customer satisfaction: The Hanover

The Hanover tops our list for the best car insurance company in New Jersey for customer satisfaction. While it’s smaller than other insurers on this list, The Hanover received the fewest customer complaints. Shoppers must work with an independent agent to get a quote or buy an auto policy.

best for customer satisfaction
insurance-product-card-logo

Hanover

4.5

NerdWallet rating 
The Hanover sells highly customizable policies in 20 states.

Discounts

Great set of discounts

Ease of use

Below average

NAIC complaints

Far fewer than expected
best for customer satisfaction
insurance-product-card-logo

Hanover

4.5

NerdWallet rating 
The Hanover sells highly customizable policies in 20 states.

Discounts

Great set of discounts

Ease of use

Below average

NAIC complaints

Far fewer than expected

» Get the full scoop: The Hanover auto insurance review

Best car insurance in New Jersey for ease of use: State Farm

State Farm is the best car insurance company in NJ for ease of use. Customers can navigate its easy-to-use website to view policy details and pay premiums. State Farm also offers a highly-rated mobile app where users can access ID cards, file a claim, connect with an agent and more. Tech-savvy customers can even access their policy information and perform other tasks through an Amazon Alexa device.

best for ease of use
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
best for ease of use
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

» Get the full scoop: State Farm auto insurance review

Full list of the best car insurance in New Jersey

If you’re looking for even more options, NerdWallet analyzed 24 car insurers to find the best car insurance companies in New Jersey. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.

Company

Star rating

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

Plymouth Rock

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

*USAA is only available to military, veterans and their families.

Methodology

Auto insurance ratings methodology NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Average rates methodology For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations.

This analysis included 18 insurance companies in New Jersey. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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