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New Jersey Cheapest Car Insurance & Best Car Insurance Coverage

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Updated January 7th, 2021

Depending on your location and looking for the cheapest car insurance in New Jersey, your best options will be Farmers, Norfolk & Dedham, and Progressive.

All three carriers are from 20 to 30% cheaper than the median quote for drivers of similar age and profile.

Three other insurers with low quotes are New Jersey Skylands, Plymouth Rock, and State Farm.

Each is 15 to 25% lower than the median quote for drivers from 20 to 60.

When we conducted our study, the six previously mentioned carriers consistently provided rates lower than their competitors.

This article will provide you with the minimum coverage requirements, the least expensive carrier by age, and other cost-saving strategies to help you lower your premium.

If you would like to skip to a portion of the article, please use the table of contents down a little and to the right.

New Jersey cheapest premium choices for 25 year old.Note: As illustrated, the least expensive options for a 25-year old are 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 the table below.

New Jersey Minimum Car Insurance Requirements

In New Jersey, the official state website makes it clear how important car insurance is.

The government website says, if you do not have the minimum car insurance, you will be responsible for paying all expenses 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:

CoverageNJ Minimum Liability CoverageRecommended 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, it would be a good idea to visit the site to ensure 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.

No-Fault & Personal Injury Protection Requirement

New Jersey 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 motorists 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 old 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 a good driving history, and decent credit, for more details.

Cheapest Insurance Carriers by Premium & Age in New Jersey

Out of the 32 insurers, we queried the cheapest auto insurance carriers are Farmers, Norfolk & Dedham, and Progressive for drivers from 25 to 55 years of age.

Depending on the zip code you reside in and your previous driving history, these carriers will provide you with the lowest overall quotes.

New Jersey Skylands, Plymouth Rock, and State Farm are carriers with consistently provided quotes from 15 to 25% lower than the median rate for drivers of the same age and profile.

Depending on your situation and risk, there are other insurers in New Jersey which provide low quotes for drivers.

We wanted to provide you with at least six carriers to be able to find the lowest rate.

There are other insurers on the list that can be just as competitive.

The quotes provided are for a driver with a good driving history.

Of course, if you do not have a clean driving history, your quotes may be higher than those listed below.

New Jersey Company25 Y/O Driver
Avg Premium
30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
Farmers$1,621$1,433$1,190$987$802$643
Norfolk & Dedham$1,640$1,435$1,200$1,009$832$702
Progressive$1,646$1,455$1,220$1,010$844$701
New Jersey Skylands$1,687$1,467$1,245$1,021$900$720
Plymouth Rock$1,780$1,487$1,249$1,032$905$723
State Farm$1,802$1,521$1,256$1,045$938$743
Allstate$1,812$1,544$1,290$1,055$945$750
GEICO$1,840$1,590$1,298$1,067$944$755
Liberty Mutual$1,838$1,572$1,307$1,098$943$765
Teachers Co of NJ$1,856$1,589$1,309$1,125$955$768
Western United - AAA$1,855$1,600$1,321$1,143$987$780
USAA$1,890$1,622$1,365$1,165$988$800
Encompass$1,943$1,730$1,403$1,164$990$801
Sentry$1,975$1,745$1,443$1,178$995$803
MetLife$2,009$1,740$1,446$1,180$967$804
Amica$2,054$1,766$1,456$1,190$1,001$823
Fireman's Fund Indemnity Corp$2,076$1,777$1,478$1,203$1,010$834
United Farm Family$2,143$1,809$1,501$1,207$1,011$845
Esurance$2,342$1,921$1,522$1,248$1,032$861
Encompass$2,567$1,987$1,545$1,267$1,044$876
CURE$2,643$2,009$1,555$1,283$1,045$879
21st Century$2,644$2,143$1,565$1,290$1,055$869
PURE$2,700$2,176$1,587$1,303$1,057$900
AIG$2,766$2,255$1,690$1,376$1,080$879
ACE Group$2,802$2,300$1,701$1,380$1,081$903
Founders$2,844$2,345$1,755$1,390$1,083$906
Hartford$2,900$2,365$1,882$1,398$1,090$909
Kemper$3,004$2,432$1,901$1,432$1,128$934
Mercury$3,043$2,511$1,986$1,455$1,176$965
Ameriprise$3,090$2,564$2,008$1,567$1,180$978
MAPFRE$3,122$2,566$2,032$1,580$1,201$998
Chubb$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 the rate table below.

Bodily Injury Liability

Covers hospital charges of the other driver and their passengers.

Under the minimum needed coverage, the insurer 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 old with good driving history can find premium prices between $987 and $1,032 per year. For additional details, see the table below.

Property Damage Liability

Pays for repairs to the other person’s car, and private and public property could have been damaged accidentally.

The maximum coverage under the minimum 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 a 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 that is worth $3,000 or more.

When comparing a car insurance rate,s you want to go over all available options with your agent to ensure 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 & Complaints

Below is a compiled list of the best carriers by consumer rating, rate change over a 12 to 18 month period, and the number of complaints.

The rate change is from 2.3 to 3.4%, which is a normal amount.

If you have a traffic violation or file a claim, your rate could increase substantially, however. 

Otherwise, if you keep a clean driving record in New Jersey, you shouldn’t see a significant rate increase by any of the insurers below.

Included is the amount of complaints about each carrier.

GEICO and Progressive have a substantially higher amount of complaints.

This shouldn’t be alarming since GEICO and Progressive have written millions more in premiums than their competitors such as Norfolk & Dedham or New Jersey Skylands.

The consumer rating is an average from reputable online portals and is only a guide to making a more informed decision.

Any other data and information used are from JD Power & Associates, AM Best, and the Insurance Information Institute or III.org.

NJ CompanyRate Change # 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, the penalties are 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

Below is the average premium for 32 cities in the state of New Jersey.

Averages are from $1,590 to $2,100 per year for drivers and depending on the city or zip code you reside in.

If you have a significantly higher premium than those listed below, you are either a young driver or have a poor driving history.

For most insurers, location is a primary factor when determining your premium.

This is why you may have the same profile driver with a premium 30% cheaper in a different location.

If you want to be sure you are getting the cheapest premium possible, compare quotes, and cut out any unnecessary coverage you don’t need.

CityAvg PremiumCityAvg PremiumCityAvg Premium
Bayonne$1,598Gloucester$1,854North Bergen
$1,833
Bloomfield$1,654Hamilton$1,844North Brunswick$1,590
Bordentown$1,643Hoboken$1,902Parsippany$1,732
Bridgeton$1,532Howell$1,954Passaic$1,943
Camden$1,743Jackson$1,760Sayreville$1,855
Cherry Hill$1,876Kearny$1,988South Orange$1,900
Clifton$1,690Kenilworth$1,902Toms River
$1,902
East Brunswick$1,921Lambertville$1,833Trenton$2,027
Eastampton$1,743Manchester$1,760Union City
$1,950
Edison$1,803Mount Laurel$1,912Vineland$1,811
Englishtown$1,512Neptune$2,043Wayne$1,790
Galloway$1,597New Brunswick$2,011Westmont$2,078

Newark, NJ

Newark, NJ lowest carrier quotes for a 30 and 45 year old.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, Allstate is $1,587 for a 30-year old and $1,208 for a 45-year-old driver.

Newark Company30 Y/O Driver45 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.Getting cheap auto insurance in Jersey City 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, Allstate is $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 Company30 Y/O Driver45 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.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 than 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 Company30 Y/O Driver45 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.To get cheap auto insurance in Woodbridge, get 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.

Your best option for a 45-year-old driver 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, Allstate is 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 Company30 Y/O Driver45 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.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, 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, Allstate is $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 Company30 Y/O Driver45 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 To get a lower premium in Long Branch, Plymouth Rock, NJ Skylands, and Farmers are the best choices.

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 an $838 per year quote. And Farmers are 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, Allstate’s most expensive is $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 in Long Branch, NJ.

Long Branch Company30 Y/O Driver45 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.state.nj.us/dobi

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

https://www.mercuryinsurance.com

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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