Cheap Car Insurance in New Jersey – 2022

Plymouth Rock offers the cheapest car insurance in New Jersey overall, with an average rate of $87 per month for full coverage.

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Auto insurance is an important purchase, but finding cheap car insurance in New Jersey isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in New Jersey is $1,971 per year, or about $164 per month, according to NerdWallet’s analysis. Minimum coverage in New Jersey is $973 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in New Jersey at $541 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest car insurance company overall in New Jersey

Plymouth Rock

$87/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$45/month

4.5

NerdWallet rating 

Cheapest for young drivers

$179/month

5.0

NerdWallet rating 

Cheapest for drivers with poor credit

Selective

$87/month

Not yet rated.

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How we chose the cheapest companies in New Jersey

NerdWallet’s editorial team analyzed car insurance rates from 18 auto insurers in New Jersey and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in New Jersey. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in New Jersey for 20-year-olds

Drivers in New Jersey with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. NJM: $2,144 per year, or about $179 per month.

  2. Geico: $2,246 per year, or about $187 per month.

  3. State Farm: $2,725 per year, or about $227 per month.

  4. Selective: $2,807 per year, or about $234 per month.

  5. Plymouth Rock: $2,837 per year, or about $236 per month.

Cheapest minimum coverage car insurance in New Jersey for 20-year-olds

Drivers in New Jersey who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $897 per year, or about $75 per month.

  2. NJM: $963 per year, or about $80 per month.

  3. Amica: $1,029 per year, or about $86 per month.

  4. Plymouth Rock: $1,277 per year, or about $106 per month.

  5. Allstate: $1,324 per year, or about $110 per month.

Cheapest auto insurance in New Jersey for 20-year-olds with poor credit

Drivers with poor credit in New Jersey should look at the following insurers with the lowest average rates for minimum coverage:

  1. Selective: $1,486 per year, or about $124 per month.

  2. NJM: $1,608 per year, or about $134 per month.

  3. Amica: $1,665 per year, or about $139 per month.

  4. Geico: $1,960 per year, or about $163 per month.

  5. Foremost: $2,482 per year, or about $207 per month.

Cheapest auto insurance in New Jersey for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in New Jersey, here are the companies with the lowest average rates for minimum coverage:

  1. NJM: $963 per year, or about $80 per month.

  2. Geico: $1,048 per year, or about $87 per month.

  3. Amica: $1,159 per year, or about $97 per month.

  4. Selective: $1,525 per year, or about $127 per month.

  5. Plymouth Rock: $1,826 per year, or about $152 per month.

Cheapest auto insurance in New Jersey for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. NJM: $1,178 per year, or about $98 per month.

  2. Geico: $1,289 per year, or about $107 per month.

  3. Plymouth Rock: $1,572 per year, or about $131 per month.

  4. Progressive: $1,696 per year, or about $141 per month.

  5. Allstate: $1,972 per year, or about $164 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in New Jersey for 30-year-olds

Drivers in New Jersey with clean driving records may get the lowest rates from these companies:

  1. Plymouth Rock: $1,063 per year, or about $89 per month.

  2. Geico: $1,274 per year, or about $106 per month.

  3. Selective: $1,379 per year, or about $115 per month.

  4. NJM: $1,416 per year, or about $118 per month.

  5. State Farm: $1,442 per year, or about $120 per month.

Cheapest minimum coverage car insurance in New Jersey for 30-year-olds

Drivers in New Jersey who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $544 per year, or about $45 per month.

  2. Amica: $549 per year, or about $46 per month.

  3. Plymouth Rock: $556 per year, or about $46 per month.

  4. NJM: $644 per year, or about $54 per month.

  5. Selective: $751 per year, or about $63 per month.

Cheapest auto insurance in New Jersey for 30-year-olds with poor credit

Drivers with poor credit in New Jersey should consider the following companies with the lowest average rates for full coverage:

  1. Selective: $1,513 per year, or about $126 per month.

  2. NJM: $2,207 per year, or about $184 per month.

  3. Progressive: $2,619 per year, or about $218 per month.

  4. Plymouth Rock: $2,665 per year, or about $222 per month.

  5. Geico: $2,727 per year, or about $227 per month.

Cheapest auto insurance in New Jersey for 30-year-old drivers with one at-fault crash

For drivers in New Jersey with a recent accident, here are the lowest average rate options for full coverage:

  1. Plymouth Rock: $1,132 per year, or about $94 per month.

  2. NJM: $1,416 per year, or about $118 per month.

  3. Selective: $1,549 per year, or about $129 per month.

  4. Geico: $1,691 per year, or about $141 per month.

  5. Travelers: $2,288 per year, or about $191 per month.

Cheapest auto insurance in New Jersey for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. NJM: $1,698 per year, or about $142 per month.

  2. Plymouth Rock: $1,757 per year, or about $146 per month.

  3. Progressive: $1,834 per year, or about $153 per month.

  4. Selective: $2,080 per year, or about $173 per month.

  5. Geico: $2,210 per year, or about $184 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in New Jersey for 40-year-olds

Drivers in New Jersey with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Plymouth Rock: $1,030 per year, or about $86 per month.

  2. Geico: $1,237 per year, or about $103 per month.

  3. Selective: $1,241 per year, or about $103 per month.

  4. NJM: $1,330 per year, or about $111 per month.

  5. State Farm: $1,424 per year, or about $119 per month.

Cheapest minimum coverage car insurance in New Jersey for 40-year-olds

Drivers in New Jersey who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Amica: $539 per year, or about $45 per month.

  2. Geico: $540 per year, or about $45 per month.

  3. Plymouth Rock: $545 per year, or about $45 per month.

  4. NJM: $628 per year, or about $52 per month.

  5. Selective: $676 per year, or about $56 per month.

Cheapest auto insurance in New Jersey for 40-year-olds with poor credit

Drivers with poor credit in New Jersey can check out the following insurers with the lowest average rates for full coverage:

  1. Selective: $1,358 per year, or about $113 per month.

  2. NJM: $2,065 per year, or about $172 per month.

  3. Progressive: $2,500 per year, or about $208 per month.

  4. Plymouth Rock: $2,552 per year, or about $213 per month.

  5. Geico: $2,636 per year, or about $220 per month.

Cheapest auto insurance in New Jersey for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in New Jersey, here are the companies with the lowest average rates for full coverage:

  1. Plymouth Rock: $1,095 per year, or about $91 per month.

  2. NJM: $1,330 per year, or about $111 per month.

  3. Selective: $1,390 per year, or about $116 per month.

  4. Geico: $1,639 per year, or about $137 per month.

  5. Penn National: $2,258 per year, or about $188 per month.

Cheapest auto insurance in New Jersey for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. NJM: $1,588 per year, or about $132 per month.

  2. Plymouth Rock: $1,689 per year, or about $141 per month.

  3. Progressive: $1,754 per year, or about $146 per month.

  4. Selective: $1,854 per year, or about $154 per month.

  5. Geico: $2,137 per year, or about $178 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in New Jersey for 50-year-olds

Drivers in New Jersey with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Plymouth Rock: $1,077 per year, or about $90 per month.

  2. Selective: $1,178 per year, or about $98 per month.

  3. Geico: $1,192 per year, or about $99 per month.

  4. NJM: $1,245 per year, or about $104 per month.

  5. Travelers: $1,374 per year, or about $114 per month.

Cheapest minimum coverage car insurance in New Jersey for 50-year-olds

Drivers in New Jersey who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Amica: $516 per year, or about $43 per month.

  2. Geico: $529 per year, or about $44 per month.

  3. Plymouth Rock: $577 per year, or about $48 per month.

  4. NJM: $592 per year, or about $49 per month.

  5. Selective: $631 per year, or about $53 per month.

Cheapest auto insurance in New Jersey for 50-year-olds with poor credit

Drivers with poor credit in New Jersey can check with the following companies, which showed the lowest average rates for full coverage:

  1. Selective: $1,287 per year, or about $107 per month.

  2. NJM: $1,917 per year, or about $160 per month.

  3. Plymouth Rock: $2,132 per year, or about $178 per month.

  4. Progressive: $2,266 per year, or about $189 per month.

  5. Geico: $2,522 per year, or about $210 per month.

Cheapest auto insurance in New Jersey for 50-year-old drivers with one at-fault crash

For drivers living in New Jersey with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Plymouth Rock: $1,148 per year, or about $96 per month.

  2. NJM: $1,245 per year, or about $104 per month.

  3. Selective: $1,318 per year, or about $110 per month.

  4. Geico: $1,600 per year, or about $133 per month.

  5. Penn National: $2,097 per year, or about $175 per month.

Cheapest auto insurance in New Jersey for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. NJM: $1,481 per year, or about $123 per month.

  2. Plymouth Rock: $1,573 per year, or about $131 per month.

  3. Progressive: $1,641 per year, or about $137 per month.

  4. Selective: $1,753 per year, or about $146 per month.

  5. Geico: $2,112 per year, or about $176 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in New Jersey for 60-year-olds

Drivers in New Jersey with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Selective: $1,166 per year, or about $97 per month.

  2. NJM: $1,172 per year, or about $98 per month.

  3. Plymouth Rock: $1,175 per year, or about $98 per month.

  4. Geico: $1,201 per year, or about $100 per month.

  5. State Farm: $1,329 per year, or about $111 per month.

Cheapest minimum coverage car insurance in New Jersey for 60-year-olds

Drivers in New Jersey who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $532 per year, or about $44 per month.

  2. Amica: $534 per year, or about $44 per month.

  3. NJM: $560 per year, or about $47 per month.

  4. Selective: $602 per year, or about $50 per month.

  5. Plymouth Rock: $603 per year, or about $50 per month.

Cheapest auto insurance in New Jersey for 60-year-olds with poor credit

Drivers with poor credit in New Jersey can look at the following companies with the lowest average rates for full coverage:

  1. Selective: $1,274 per year, or about $106 per month.

  2. NJM: $1,788 per year, or about $149 per month.

  3. Plymouth Rock: $2,086 per year, or about $174 per month.

  4. Progressive: $2,234 per year, or about $186 per month.

  5. Geico: $2,546 per year, or about $212 per month.

Cheapest auto insurance in New Jersey for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in New Jersey, here are the companies with the lowest average rates for full coverage:

  1. NJM: $1,172 per year, or about $98 per month.

  2. Plymouth Rock: $1,255 per year, or about $105 per month.

  3. Selective: $1,305 per year, or about $109 per month.

  4. Geico: $1,615 per year, or about $135 per month.

  5. Penn National: $2,099 per year, or about $175 per month.

Cheapest auto insurance in New Jersey for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. NJM: $1,388 per year, or about $116 per month.

  2. Plymouth Rock: $1,500 per year, or about $125 per month.

  3. Progressive: $1,623 per year, or about $135 per month.

  4. Selective: $1,738 per year, or about $145 per month.

  5. Geico: $2,136 per year, or about $178 per month.

Minimum car insurance requirements in New Jersey

New Jersey is a no-fault state, requiring drivers to carry personal injury protection, or PIP, in addition to liability insurance. New Jersey is unique in that it offers a choice between two sets of requirements for minimum insurance coverage, in the form of a Basic Policy and a Standard Policy. The state says most drivers opt for Standard, but the Basic Policy is cheaper and has the lowest possible limits you can buy in the state.

Basic Policy:

  • $5,000 property damage liability per accident.

  • $15,000 personal injury protection.

Bodily injury liability isn’t required for the Basic Policy, but should you choose to buy it, the minimum is $10,000 per accident.

Standard Policy:

  • $15,000 bodily injury liability per person.

  • $30,000 bodily injury liability total per accident.

  • $5,000 property damage liability per accident.

  • $15,000 personal injury protection.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:

  • Lost wages if you’re unable to work due to injuries from an accident.

  • Services you can no longer perform, like house cleaning or child care, because of your injuries.

  • Funeral costs if an accident-related injury leads to death.

  • A small death benefit as a cash payout.

Even though these minimums will allow you to drive legally, you may want to buy more liability coverage to better guard your savings and assets against lawsuits. For example, if you total another person’s car, the damage could easily exceed a $5,000 property damage liability limit on your policy. The difference would have to come out of your pocket.

It’s also wise to consider common optional coverages such as collision and comprehensive, which keep you from paying out of pocket if, say, you skid on ice and hit a tree, or your vehicle is stolen.

Learn more about your required and optional New Jersey coverages with our guide to state car insurance requirements.

Alternative car insurance in New Jersey

If DUIs, poor credit or other factors are preventing you from getting car insurance on the voluntary market, you can seek coverage through the New Jersey Automobile Insurance Plan.

For more help finding competitive car insurance quotes in New Jersey, try NerdWallet's car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

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

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