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New Jersey Cheapest Auto Insurance & Minimum Requirements plus the Best Policy Options for Savings

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

All three carriers are anywhere 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 are 15% to 25% lower than the median quote for drivers from 20 to 60 years of age.

When we conducted our study the six previously mentioned carriers were able to consistently provide rates lower than their competitors.

In this article we are going to 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 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.

New Jersey Minimum Car Insurance Requirements

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:

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 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.

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 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 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 are going to 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 then 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 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 then 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 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 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 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

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 for each carrier.

GEICO and Progressive have 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 help you make a more informed decision.

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

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 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 premium which is significantly higher than those which are listed below you are either a young driver or you my 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 make sure to compare quotes and cut out any unnecessary coverage you don’t need.

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
Bridgeton$1,53244,464Howell$1,95469,781Passaic$1,94351,075
Camden$1,74324,997Jackson$1,76042,704Sayreville$1,85554,856
Cherry Hill$1,87671,045Kearny$1,98891,239South Orange$1,900247,597
Clifton$1,69084,136Lakewood$1,92284,913Toms River
$1,90240,684
East Brunswick$1,92147,512Lambertville$1,8333,812Trenton$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$1,5121,847Neptune$2,04327,789Wayne$1,790277,140
Galloway$1,59736,563New Brunswick$2,01149,708Westmont$2,07814,706

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 the most expensive is Allstate at $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

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.

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 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 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

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.

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 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 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

One of the most beautiful cities 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.

Woodbridge, NJ

Woodbridge, NJ least expensive premium choices for 30 and 45 year old.To get cheap auto insurance in Woodbridge 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 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

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.

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 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 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

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. 

Long Branch, NJ

Long Branch, NJ low-cost premium options for 30 and 45 y/o To get a lower premium in Long Branch 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 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

Known as the “Hollywood of the East” during the 1800’s, 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.

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 enjoys writing articles 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 Google+ or Facebook Profile.

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