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New Jersey’s Minimum Auto Insurance Requirements, Cheapest Carriers by Premium and Age, & Best Policy Options for Savings

In the state of New Jersey the official state website makes it clear how important car insurance is. The government website goes on to say, if you do not have the minimum car insurance you will be responsible for paying all expenses that is caused in the event of an accident.

The minimum coverage set limits for NJ are 15,000 / 30,000 / 5,000 which are as follows:

New Jersey Minimum Car Insurance Requirements

CoverageNJ Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$15,000 / $30,000$15,000 / $30,000
Property Damage$5,000$5,000
Uninsured / Underinsured Motorist Coverage BIL$15,000 / $30,000$15,000 / $30,000
Uninsured / Underinsured Motorist Coverage PD*$5,000$5,000
Personal Injury Protection$15,000$15,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$250 deductible

*with a $500 deductible

Personal Assets at Risk if Driving w/o Minimum Coverage

Your assets will be at risk and if you do not have coverage and the other driver is “at-fault” you will not be able to sue. If you reside in New Jersey then it would be a good idea to visit the site here, to be sure you have the basic policy.

When you have the basic policy then you have full rights in the state of New Jersey to proceed with litigation if necessary.

New Jersey cheapest premium choices for 25 year old.

Note: As illustrated, the least expensive options for a 25 year old are with Farmers, Norfolk & Dedham, and Progressive. All three queried between $1,621 and $1,646 which is 12% lower than the average premium for a young driver. For more details by age please see table below.

No-Fault & Personal Injury Protection Requirement

NJ is a “no-fault” state which is the same policy for other no-fault states. If you are in an accident with another driver then no matter who is at-fault your own insurance company will provide the cost of damage incurred at the time of the accident.

Since the state is no-fault all motorist are required to carry Personal Injury Protection (PIP) insurance which will cover the expenses or damages to the driver and the passengers including lost wages and in the event of any deaths.

Lowest auto premium choices for 30 year old in NJ.

Note: A 30 year can find the lowest quotes with Farmers at $1,433 per year. Which is 15% lower than the average premium for a driver of similar age. In this instance, the male driver owned a 2013 Toyota Camry, had good driving history, and decent credit. For more details see table below.

Cheapest Carriers by Premium & Age

RankNJ CompanyAvg Ann. Rate for 25 Y/O DriverAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 35 Y/O DriverAvg Ann. Rate for 40 Y/O DriverAvg Ann. Rate for 45 Y/O DriverAvg Ann. Rate for 55 Y/O Driver
1Farmers$1,621$1,433$1,190$987$802$643
2Norfolk & Dedham$1,640$1,435$1,200$1,009$832$702
3Progressive$1,646$1,455$1,220$1,010$844$701
4New Jersey Skylands$1,687$1,467$1,245$1,021$900$720
5Plymouth Rock$1,780$1,487$1,249$1,032$905$723
6State Farm$1,802$1,521$1,256$1,045$938$743
7Allstate$1,812$1,544$1,290$1,055$945$750
8GEICO$1,840$1,590$1,298$1,067$944$755
9Liberty Mutual$1,838$1,572$1,307$1,098$943$765
10Teachers Auto Insurance Co of NJ$1,856$1,589$1,309$1,125$955$768
11Western United Insurance - AAA$1,855$1,600$1,321$1,143$987$780
12USAA$1,890$1,622$1,365$1,165$988$800
13Encompass$1,943$1,730$1,403$1,164$990$801
14Sentry$1,975$1,745$1,443$1,178$995$803
15MetLife$2,009$1,740$1,446$1,180$967$804
16Amica$2,054$1,766$1,456$1,190$1,001$823
17Fireman's Fund Indemnity Corp$2,076$1,777$1,478$1,203$1,010$834
18United Farm Family$2,143$1,809$1,501$1,207$1,011$845
19Esurance$2,342$1,921$1,522$1,248$1,032$861
20Encompass$2,567$1,987$1,545$1,267$1,044$876
21CURE$2,643$2,009$1,555$1,283$1,045$879
2221st Century$2,644$2,143$1,565$1,290$1,055$869
23PURE$2,700$2,176$1,587$1,303$1,057$900
24AIG$2,766$2,255$1,690$1,376$1,080$879
25ACE Group$2,802$2,300$1,701$1,380$1,081$903
26Founders$2,844$2,345$1,755$1,390$1,083$906
27Hartford$2,900$2,365$1,882$1,398$1,090$909
28Kemper$3,004$2,432$1,901$1,432$1,128$934
29Mercury$3,043$2,511$1,986$1,455$1,176$965
30Ameriprise$3,090$2,564$2,008$1,567$1,180$978
31MAPFRE$3,122$2,566$2,032$1,580$1,201$998
32Chubb$3,543$2,778$2,143$1,679$1,269$1,003

Least expensive premium choices for 35 year old driver.

Note: A 35 year old can find quotes clustering between $1,190 and $1,249 per year. The cheapest is Farmers at $1,190. For more details see rate table below.

Bodily Injury Liability

Covers hospital charges of the other driver and their passengers. Under the minimum needed coverage, the insurance corporation will pay $15,000 for a single person up to $30,000 for the driver and their passengers.

Best premium choices for savings for 40 year old driver.

Note: A 40 year with good driving history can find premium prices between $987 and $1,032 per year. For additional details see table below.

Property Damage Liability

Pays for repairs to the other person’s car as well as any private and public property which could have been damaged in an accident. The maximum coverage under the minimum necessities is $5000 per accident.

Top 5 lowest premium options for 45 year old.

Note: As illustrated, the cheapest is Farmers at $802 while the most expensive is Plymouth Rock at $905. All insurers illustrated are over 19% lower than the average statewide premium for a driver with similar profile.

Comprehensive & Collision Coverage

Although these are the minimums for the state it is highly recommended to get uninsured motorist protection, comprehensive, and collision particularly if you have a newer model automobile or a vehicle which is worth $3,000 or more.

When comparing for car insurance rates you want to be sure to go over all available options with your agent to be sure you are protected.

5 cheapest premium choices for 55 year old in Jersey.

Note: A 55 year old should get quotes from all carriers illustrated for maximum savings and optimum coverage.

Best Companies by Consumer Rating, Rate Change over 18 Months, & Complaints

NJ CompanyRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Farmers+2.3%544.3
Norfolk & Dedham+2.4%294.1
Progressive+2.4%1434.4
New Jersey Skylands+2.4%423.9
Plymouth Rock+2.4%213.9
State Farm+2.5%764.2
Allstate+2.5%804.3
GEICO+2.5%1024.4
Liberty Mutual+2.5%764.3
Teachers Auto Insurance Co of NJ+2.4%263.9
Western United Insurance - AAA+2.3%214.0
USAA+2.1%404.5
Encompass+2.6%333.9
Sentry+2.6%433.9
MetLife+2.6%133.8
Amica+2.7%183.8
Fireman's Fund Indemnity Corp+2.7%113.9
United Farm Family+2.7%104.0
Esurance+2.6%124.2
Encompass+2.6%173.9
CURE+2.7%163.9
21st Century+2.7%214.0
PURE+2.7%113.8
AIG+2.8%273.9
ACE Group+2.9%133.9
Founders+2.9%43.7
Hartford+3.0%93.7
Kemper+3.1%123.9
Mercury+3.1%64.0
Ameriprise+3.1%274.1
MAPFRE+3.3%93.7
Chubb+3.4%133.6

Fines And Penalties – Driving Without Insurance

It is important to realize that driving without insurance the state of NJ is about as severe as getting a DWI or driving under the influence.

A driver convicted of driving without insurance for the first time will face a loss of driving privileges for one year, receive a $300 fine, plus court costs and fees.

The state will impose a $250 surcharge for the next three years and add nine points to your license. Plus your auto insurance rates are going to increase dramatically.

If a driver is convicted of driving without insurance for the second time; a mandatory loss of driving privileges for two years, a $5,000 fine, and 14 days in jail.

Penalty TypeFirst OffenseSecond and Subsequent Offenses
Fines$300-$1,000

$250 surcharge assessment for three years ($750)
$500-$5,000

$250 surcharge assessment for three years ($750)
Driving PrivilegeDriver's license suspended for a full yearDriver's license suspended for two full years, reinstatement is up to the DMV director
Community ServiceLength determined by courtUp to 180 hours
OtherPossible vehicle impoundment in case proof of insurance was not presented within 24 hours of citaiton. It takes an additional $100 fee to retreive the impounded car.Up to 14 days in jail; possible vehicle impoundment in case proof of insurance was not presented within 24 hours of citation. It takes an additional $100 fee to retreive the impounded car.

Average Premium by City

CityAvg PremiumPopulationCityAvg PremiumPopulationCityAvg PremiumPopulation
Bayonne$1,59863,024Gloucester$1,85460,773North Bergen
$1,83364,634
Bloomfield$1,65447,683Hamilton$1,84440,742North Brunswick$1,59088,464
Brick$1,68776,119Hoboken$1,90253,238Parsippany$1,73250,005
Bridgewater$1,53244,464Howell$1,95469,781Passaic$1,94351,075
Camden$1,74377,344Jackson$1,76042,704Sayreville$1,85554,856
Cherry Hill$1,87671,045Jersey City$1,988264,152South Orange$1,900247,597
Clifton$1,69084,136Kearny$1,92291,239Toms River
$1,90240,684
East Brunswick$1,92147,512Lakewood$1,83384,913Trenton$2,02792,843
Eastampton$1,7436,202Manchester$1,76066,455Union City
$1,95043,070
Edison$1,80399,967Mount Laurel

$1,91260,724Vineland$1,81141,864
Englishtown$1,5121,847Newark$2,04354,717Wayne$1,790277,140
Franklin$1,59762,300New Brunswick$2,01149,708West New York$2,07855,181

Newark, NJ

Newark, NJ lowest carrier quotes for a 30 and 45 year old.

Newark is the largest city in the state with nearly 300,000 residents. Settled in 1666 today it is a major transportation hub. Newark was important during the Revolutionary War and developed as a transportation and manufacturing center after the war.

The development of canals and railroads accelerated industrial growth, with alcohol, precious metals, and leather goods among the leading industries. The city was a shipbuilding center during World War I and a popular center for jazz music in the middle of the 20th century. 

Today Newark is a top insurance center with Prudential headquartered within the city. It remains a major transportation hub, with one of the country’s busiest airports (Newark International Airport) and seaports.

To find a lower priced premium in Newark start with Norfolk & Dedham, Farmers, and New Jersey Skylands. We queried each at $1,301, $1,365, $1,390 per year for a 30 year old. Which is 34% lower than the “mean” rate of $2,043 per year for full coverage. All insurers illustrated we 20% lower than the average premium.

For a 45 year old Norfolk & Dedham offered the lowest quote at $1,043 per year. Only $40 higher is Farmer at $1,080 and New Jersey Skylands at $1,103. All three are 42% lower than the “mean” rate.

Out of 8 carriers we queried the most expensive is Allstate at $1,587 for a 30 year old and $1,208 for a 45 year old driver.

Newark CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O Driver
Norfolk & Dedham$1,301$1,043
Farmers$1,365$1,080
New Jersey Skylands$1,390$1,103
Progressive$1,421$1,130
Plymouth Rock$1,465$1,154
State Farm$1,555$1,176
Allstate$1,587$1,208
GEICO$1,603$1,240

Jersey City, NJ

Jersey City, NJ cheapest premium choices for 30 and 45 year old.

First explored in 1609 by English navigator Henry Hudson, Jersey City is the 2nd largest city in the state with nearly 270,000 residents. 

Jersey City’s prime attraction is Liberty State Park. The Park, about half of which is open to public access, offers views of the Manhattan skyline, the Statue of Liberty, and Ellis Island.

There are also several bike paths and walkways, including Liberty Walkway, a long waterfront path stretching from the historic Central Railroad of New Jersey Terminal building to the Statue of Liberty overlook.

Other notable attractions include, the Bronx Zoo, Statue of Liberty, Madison Square Garden, Empire State Building, Brooklyn Bridge, Battery Park, and Carnegie Hall.

Getting a lower auto premium is easy if you start by getting quotes with Norfolk & Dedham, NJ Skylands, and Farmers. We queried each at $1,254, $1,267, $1,300 for a 30 year old. Which is 29% lower than the citywide “mean” rate of $1,998 per year. Plymouth Rock and State Farm are over 25% lower than the average premium.

For a 45 year old the best option is with Norfolk & Dedham with a low quote of $1,032 per year. Which is 43% lower than the average and more than $400 in monthly savings.

Out of the 8 carriers we queried the most expensive is Allstate at $1,503 for a 30 year old and $1,243 for a 45 year old. Which is 22% lower than the “mean” rate in Jersey City.

Jersey City CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O Driver
Norfolk & Dedham$1,254$1,032
New Jersey Skylands$1,267$1,076
Farmers$1,300$1,127
GEICO$1,308$1,160
Plymouth Rock$1,387$1,190
State Farm$1,408$1,200
Progressive$1,465$1,220
Allstate$1,503$1,243

Elizabeth, NJ

Elizabeth, NJ affordable auto premium options for 30 and 45 y/o.

One of the most beautiful city in the state is Elizabeth with over 120,000 residents today. Settled in 1664, it was the first capital of the state and the first major industry was the Singer Sewing Machine Company. 

Historic Midtown Elizabeth boasts more than a dozen historical sites and landmarks. The Elizabeth Public Library is housed in an elegant building which has undergone significant upgrades in recent years. The structure was a gift from Andrew Carnegie during the early part of the 20th century.

The historic Ritz Theater is one of the state’s oldest and largest operating theaters and dates back to 1926. Another historic site is Boxwood Hall, former home of Elias Boudinot, President of the Continental Congress, and Jonathan Dayton, the youngest signer of the Constitution.

Interesting Facts about Elizabeth

  • The Port Newark/Elizabeth’s 2,000-acre marina terminal hosts over 150,000 jobs and is the World’s largest container-ship port.

  • It was the first English speaking community in New Jersey.

  • The first home of Princeton University.

  • The city is first for the ice cream soda, submarine, the first assembly line automobile producer in the state.

To find cheaper rates in Elizabeth start with Norfolk & Dedham, NJ Skylands, and Farmers. We queried each at $1,350, $1,389, and $1,429 respectfully for a 30 year old. Which is 21% lower that then the “mean” rate of $1,900 per year. Plymouth Rock and State Farm are both 15% lower than the average premium. It would be wise to get quotes from all carriers illustrated to find the most savings and optimize coverage.

For a 45 year old the best choice is Norfolk & Dedham at $1,059 per year. Which is 34% lower than the citywide average rate. NJ Skylands and Farmers we queried at $1,130 and $1,165 respectfully for full coverage.

The most expensive carriers we queried are Progressive and State Farm. Each at $1,600 and $1,645 respectfully for a 30 year old. Both insurers are 14% lower than the “mean” rate in Elizabeth.

Elizabeth CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O Driver
Norfolk & Dedham$1,350$1,059
New Jersey Skylands$1,389$1,130
Farmers$1,429$1,165
GEICO$1,467$1,195
Plymouth Rock$1,567$1,230
State Farm$1,580$1,245
Progressive$1,600$1,268
Allstate$1,645$1,306

Woodbridge, NJ

Woodbridge, NJ least expensive premium choices for 30 and 45 year old.

The oldest original township in New Jersey is Woodbridge. Founded in 1644 by Puritans it was given a charter by King Charles II of England. 

One of the earliest meetings regarding anti-slavery occurred in Woodbridge at the farm of Moses Bloomfield, a surgeon for the Continental Army. During the late 1800’s, the city was a major supplier of fine clay deposits that were utilized for producing bricks. A prominent brick making facility was located in town.

Today, the city offers colonial charm and modern buildings. Education, health services and retail are some of the primary factors for the economy.

To get cheap auto insurance start by getting quotes from NJ Skylands, Farmers, and Norfolk & Dedham. We queried each at $1,120, $1,155, $1,230 respectfully for a 30 year old. Which is 29% lower than the “mean” rate of $1,845 per year. USAA and State Farm are good choices coming in at $1,255 and $1,287 respectfully for full coverage.

For a 45 year old driver your best option is NJ Skylands quoted at $990 per year for full coverage. About $35 more is Farmers at $1,025 then followed by Norfolk & Dedham at $1,090.

Out of the 8 carriers we queried the most expensive is Allstate at $1,645 for a 30 year old and $1,306 for a 45 year old. Both quotes are 12% lower than the citywide average premium in Woodbridge.

Woodbridge CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O Driver
New Jersey Skylands$1,120$990
Farmers$1,155$1,025
GEICO$1,178$1,086
Norfolk & Dedham$1,230$1,090
USAA$1,255$1,096
State Farm$1,287$1,106
Progressive$1,303$1,120
Allstate$1,438$1,158

Hillsborough, NJ

Hillsborough cheap premium choices for 30 and 45 y/o.

Hillsborough is a smaller city with nearly 40,000 residents. The Dutch were among the first to explore this area in the middle of the 17th century when the Unami Indians inhabited the area. The town was named after Lord Hillsborough.

In 1798 Hillsborough was formally incorporated as one of New Jersey’s original townships. There are a number of historical buildings within easy access of the town of Hillsborough. The Hungarian Heritage Museum highlights the Hungarian culture and history.

Several other art galleries in the surrounding area include the Topeo Gallery, the Northlandz and the Gallery at Crossroads.

Other notable attractions include, the Mason Gross School of the Arts Gallery, Staten Island Zoo, Hillsborough Country Club, and Duke Island Park.

The average premium in Hillsborough is $1,800 per year. To find a lower rate start by getting quotes from NJ Skylands, Plymouth Rock, and Farmers. We queried each at $943, $965, and $1,009 respectfully for a 30 year old. Which is 42% lower than the “mean” rate within the city. This equates to $400 additional savings by getting coverage through them.

For a 45 year old we found quotes clustering between $798 and $905. The lowest is NJ Skylands at $798 which is 46% lower than the “mean” rate. Which is more than $450 in additional savings. We queried Plymouth Rock and Farmers at $812 and $830 respectfully for full coverage. Both are 43% lower than the citywide average premium.

Out of the 8 carriers we queried the most expensive is Allstate at $1,176 for a 30 year old and $987 for a 45 year old. Both quotes are 15% lower than the average premium rate.

Hillsborough CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O Driver
New Jersey Skylands$943$798
Plymouth Rock$965$812
Farmers$1,009$830
GEICO$1,053$870
Norfolk & Dedham$1,087$897
State Farm$1,127$905
Progressive$1,143$954
Allstate$1,176$987

Long Branch, NJ

Long Branch, NJ low-cost premium options for 30 and 45 y/o

Known as the “Hollywood of the East” during the 1800s, Long Branch is a city with over 30,000 residents. The city benefits from easy access to the nearby cities and towns with which it shares the Monmouth – Ocean metropolitan area. 

Long Branch’s fame as the Nation’s First Seaside Resort waned in the years following World War II. The defining moment marking the end of this era occurred on June 8, 1987 when the largest fire in the history of the city destroyed the landmark amusement pier and adjoining Haunted Mansion, “Kid’s World” Amusement Park and other businesses.

To get a lower premium the best choices are with Plymouth Rock, NJ Skylands, and Farmers. We queried each at $1,009, $1,036, and $1,087 respectfully for a 30 year old. Which is 32% lower than the “mean” rate of $1,781 per year.

For a 45 year old the best option is with Plymouth Rock. We queried them at $822 for full coverage. NJ Skylands is 30% lower with a $838 per year quote. And Farmers is less than $20 more at $845. It would be smart to get quotes from all carriers illustrated since they clustered between $822 and $959.

Out of the 8 carriers illustrated the most expensive is Allstate at $1,300 for a 30 year old. Progressive was queried at $1,008 for a 45 year old. Both insurers are 11% lower than the citywide average premium.

Long Branch CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O Driver
Plymouth Rock$1,009$822
New Jersey Skylands$1,036$838
Farmers$1,087$845
GEICO$1,143$880
Norfolk & Dedham$1,165$929
State Farm$1,228$959
Progressive$1,287$1,008
Allstate$1,300$1,007

Resources & Motor Vehicle Commission

Department of InsuranceDepartment of TransportationMotor Vehicle Commission
153 Halsey St # 2, Newark, NJ 07102
(973) 648-4713
153 Halsey St, Newark, NJ 07102
(973) 877-1500
Finlaw Building, 199 E Broadway, Salem, NJ 08079
(609) 292-6500
WebsiteWebsiteWebsite
Sources

http://www.state.nj.us/dobi

http://www.state.nj.us/dobi/div

http://www.nj.gov/dobi/division_con

https://www.iii.org/article/background-on-no-fault-auto-insurance

http://www.naic.org/documents

http://www.state.nj.us/dobi

https://www.plymouthrock.com/resource-center/nj-insurance-guides/auto

https://www.mercuryinsurance.com

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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