Best Car Insurance in New Jersey

Travelers 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 23 insurance companies in New Jersey to help you find the best option. We split our top picks into four categories:

Best car insurance category

Company winner

Travelers

Geico

NJM

State Farm

For the full list of best car insurance companies in New Jersey, skip to the bottom.

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Simply send us your questions, and our dedicated in-house Nerds will provide you with thoughtful responses within 2 business days.

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 list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.

Best car insurance in New Jersey overall: Travelers

best overall
insurance-product-card-logo

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
best overall
insurance-product-card-logo

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Why it’s the best

Travelers holds the highest overall score out of the 23 companies in New Jersey we researched. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company.

Travelers is one of the biggest insurers in the country and has a strong financial standing, so you won’t have to worry about a future claim going unpaid. The company offers unique coverage packages, such as its Premier Responsible Driver Plan, which provides accident forgiveness and disappearing deductibles for accident-free drivers. Travelers also earned the top spot in our overall best car insurance companies of 2024.

» Read the full review: Travelers auto insurance review

Best car insurance in New Jersey for your budget: Geico

Best budget pick
insurance-product-card-logo

Geico

5.0

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

Above average

NAIC complaints

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

Geico

5.0

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

Above average

NAIC complaints

Close to expected

Why it’s the best

Geico may be the biggest insurer in New Jersey

National Association of Insurance Commissioners. 2022 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide. Accessed Dec 15, 2023.
, but its car insurance rates are not. With an average rate of $95 a month for full coverage, Geico wins as the best car insurance in NJ for your wallet in 2024. 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.

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.

» Read the full review: Geico auto insurance review

Best car insurance in New Jersey for customer satisfaction: NJM

best for customer satisfaction
insurance-product-card-logo

NJM

5.0

NerdWallet rating 
NJM is among our best car insurance companies for 2024, but it is available in only five states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

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

NJM

5.0

NerdWallet rating 
NJM is among our best car insurance companies for 2024, but it is available in only five states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Why it’s the best

Headquartered in West Trenton, New Jersey, NJM had the fewest customer complaints to state regulators relative to insurers of its size. It also ranked third for overall customer satisfaction in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study

, and ranked second the year before that. NJM policyholders living in New Jersey may be eligible to receive two separate dividend payments if the company experiences positive financial results.

» Read the full review: NJM auto insurance review

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

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

Why it’s the best

State Farm is the best car insurance company in NJ for ease of use. Customers can navigate its user-friendly website to view policy details and pay premiums. State Farm also has a highly-rated mobile app where users can access ID cards, get roadside assistance, upload pictures related to a claim and more. You can even perform many insurance-related tasks hands-free through an Amazon Alexa device, such as accessing policy details, connecting with an agent and paying a bill.

» Read the full review: 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 23 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 

5.0

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

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.

Why you can trust NerdWallet

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.

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 and full ratings methodology for auto insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to 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

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a DUI, we added a single drunken-driving violation.

We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for a 35-year-old driver.

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