Skip to content

Best Car Insurance in New Jersey for 2025

Travelers is the best car insurance company in New Jersey, according to NerdWallet’s June 2025 analysis.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Jun 2, 2025
Fact Checked
Profile photo of Drew Gula
Written by Drew Gula
Lead Writer & Content Strategist
Profile photo of Lisa Green
Edited by Lisa Green
Managing Editor
Profile photo of Drew Gula
Written by Drew Gula
Lead Writer & Content Strategist
Profile photo of Lisa Green
Edited by Lisa Green
Managing Editor
+ 0 more+ 1 more

The best car insurance companies are financially strong and have a wide range of coverage options and discounts. NerdWallet's editorial team evaluated 22 insurers to find the highest-rated companies in New Jersey. We also keep an eye out for things that could make one insurer stand out from the rest, such as a great in-app experience or unusual discounts.

  • 35+ years of combined experience covering insurance.

  • 1.5 billion+ auto insurance rates analyzed by our team of experts.

  • 700+ auto insurance companies analyzed in over 29,000 U.S. cities. (See our top picks.)

NerdWallet writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. Read our criteria for evaluating auto insurance companies.


See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.


Best car insurance companies in New Jersey

Here’s our list of the best auto insurance companies in New Jersey, plus what makes them stand out from the competition.

Average rates are specific to New Jersey and based on NerdWallet’s June 2025 analysis. Read our methodology.

best overall pick

Travelers Auto Insurance

Travelers

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

$170 per month on average for full coverage

$93 per month on average for liability coverage

Why Travelers is the best overall pick in New Jersey

Travelers earned the highest score out of 22 eligible car insurance companies in New Jersey, based on NerdWallet’s evaluations of each insurer’s coverage options, discounts and financial strength.

Pros

  • Two accident forgiveness plans available for eligible drivers.
  • Offers bonus coverages like gap insurance and new car replacement.

Cons

  • Claims satisfaction rating is below average, according to a J.D. Power study.

» Read the full review: Travelers auto insurance review

Best for customer satisfaction

NJM Auto Insurance

NJM

NJM boasts high customer satisfaction and low complaints, but it is available in only five states.
Discounts Great set of discounts
Ease of use Above average
NAIC complaints Far fewer than expected

$178 per month on average for full coverage

$73 per month on average for liability coverage

Why NJM is the best option for customer satisfaction in New Jersey

NJM had the fewest customer complaints to state regulators relative to insurers of its size, which makes it one of our top picks for New Jersey. It also ranked as the best pick for auto claims satisfaction in a 2024 survey by J.D. Power.

Pros

  • Possible dividend payments for New Jersey policyholders.
  • Offers new car replacement coverage, transportation expense reimbursement and coverage for pets injured in an accident.

Cons

  • No mobile apps for managing a policy or submitting a claim.

» Read the full review: NJM auto insurance review

best for discounts

Plymouth Rock Auto Insurance

Plymouth Rock

Plymouth Rock offers auto insurance in six Northeastern states and offers a wide variety of coverage types and discounts.
Discounts Great set of discounts
Ease of use Above average
NAIC complaints Far fewer than expected

$210 per month on average for full coverage

$102 per month on average for liability coverage

Why Plymouth Rock is the top pick for discounts in New Jersey

Plymouth Rock may be a regional insurer, but this company ties with Farmers for the largest set of discounts in our comparisons. Plymouth Rock also offers some interesting perks and plans that could save eligible drivers even more.

Pros

  • Exclusive rates plan for teachers in New Jersey.
  • Perks like discounted tickets through a partnership with the New York Yankees.
  • Offers original equipment manufacturer replacement coverage and a claim valet service.

Cons

  • May be more expensive than other options in New Jersey, according to our rates analysis.

» Read the full review: Plymouth Rock auto insurance review

best for mobile app users

State Farm Auto Insurance

State Farm

With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.
Discounts Average set of discounts
Ease of use Above average
NAIC complaints Fewer than expected

$252 per month on average for full coverage

$45 per month on average for liability coverage

Why State Farm has the best mobile apps for New Jersey drivers

Unlike some top insurers, State Farm lets drivers make payments, start claims and manage policies in the State Farm app, which is rated highly by drivers on both Apple and Android devices.

Pros

  • Rental car coverage pays for meals, lodging and transportation if drivers are stranded 50+ miles from home.
  • Steer Clear Driver program provides training for drivers under age 25, and may include a discount.
  • Offers rideshare insurance.

Cons

  • Doesn’t offer gap insurance.
  • May be more expensive than other companies for some drivers.

» Read the full review: State Farm auto insurance review

Best for military drivers

USAA Auto Insurance

USAA

USAA offers insurance to active military, veterans and their families only.
Discounts Great set of discounts
Ease of use Above average
NAIC complaints Fewer than expected

Rates for USAA weren’t available in New Jersey, according to NerdWallet’s June 2025 analysis.

Why USAA is the best for New Jersey drivers with military connections

USAA consistently scores among the top insurance companies in the nation, according to NerdWallet’s reviews. It’s only available to military members, veterans and their families.

Pros

  • Accident forgiveness available after 5 years of accident-free driving.
  • Offers military-minded discounts for things like storing your car on base.
  • Consistently one of the most affordable insurers across the country.

Cons

  • Not available to most drivers.

» Read the full review: USAA auto insurance review

Best regional pick

NJM Auto Insurance

NJM

NJM boasts high customer satisfaction and low complaints, but it is available in only five states.
Discounts Great set of discounts
Ease of use Above average
NAIC complaints Far fewer than expected

$178 per month on average for full coverage

$73 per month on average for liability coverage

Why NJM is the best regional option for drivers in New Jersey

NJM is our top car insurance pick for New Jersey drivers for customer satisfaction, thanks to a low rate of complaints. Drivers in New Jersey could also be eligible to receive dividends, which reduce the cost of your next policy renewal.

Pros

  • Possible dividend payments for New Jersey policyholders.
  • Offers new car replacement coverage, transportation expense reimbursement and coverage for pets injured in an accident.

Cons

  • No mobile apps for managing a policy or submitting a claim.

» Read the full review: NJM auto insurance review

Best auto insurance companies in New Jersey: Honorable mentions

If you’re looking for additional options, here’s a list of the other top car insurance companies that earned a NerdWallet star rating of 4.5 or higher. Each of these companies could be a good choice, depending on your driving history and insurance needs.

Company

Star rating

Allstate

Amica

Farmers

GEICO

Progressive

Looking for the lowest auto insurance rates in your state? GEICO has the cheapest average full coverage rate in New Jersey. To find other low-cost options, check out NerdWallet’s list of the cheapest car insurance in New Jersey.

Minimum auto insurance limits required 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.

NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.

Methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.

Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:

35 years old

Single. Male or female.

2022 Toyota Camry LE

12,000 annual miles driven.

Good driving record and credit

  • No moving violations.

  • "Good driving" discount applied.

  • Good credit-based insurance score.


Bodily injury liability coverage

$100,000 per person. $300,000 per crash.


Property damage liability coverage

$50,000 per crash.


Uninsured motorist bodily injury coverage

$100,000 per person. $300,000 per crash.


Collision coverage

With a $1,000 deductible.


Comprehensive coverage

With a $1,000 deductible.


  • For all other driver profiles, we used the same assumptions, 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. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

    • 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.

    • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

    • For young drivers, we considered 20-year-olds with good credit and no driving violations.

    • For millennial drivers, we considered 40-year-olds with good credit and no driving violations. 

    • For senior drivers, we considered 70-year-olds with good credit and no driving violations.

These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.

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.