The Cheapest Car Insurance in New Jersey (2022)

The cheapest car insurance companies in New Jersey: Plymouth Rock: $84, State Farm: $94 and NJM: $98

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Plymouth Rock and State Farm have the cheapest car insurance rates for New Jersey drivers, according to a QuoteWizard survey of the state's providers. Plymouth Rock offers an average rate of $84 a month for minimum-coverage car insurance, while State Farm is the next cheapest, at $94 a month. State Farm has the cheapest full-coverage car insurance in New Jersey, at $168 a month.

The main reasons for New Jersey's high car insurance rates in comparison to other states are its extreme weather and its status as a no-fault state. Because of this, it's important to compare the costs and coverage offerings of multiple car insurance providers to get the best policy at the cheapest rate.

In this article

Cheapest car insurance in New Jersey

Plymouth Rock has the cheapest minimum-coverage auto insurance in New Jersey. State Farm has the lowest rate for full-coverage auto insurance. Both companies offer rates that are far cheaper than what the average New Jersey driver pays, which is $162 a month for minimum coverage and $275 a month for full coverage.

Cheapest minimum-coverage car insurance in New Jersey

Plymouth Rock has the cheapest minimum-coverage car insurance in New Jersey, at $84 a month, on average. State Farm comes in with the second-cheapest average rate of $94 a month.

Company Annual Monthly
Plymouth Rock $1,004 $84
State Farm $1,126 $94
NJM $1,173 $98
Progressive $1,371 $114
GEICO $1,566 $131
Allstate $2,492 $208
St. Paul Protective $4,841 $403
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance in New Jersey

State Farm has the cheapest full-coverage auto insurance in New Jersey, at an average $168 a month. NJM is the second-cheapest provider, at $169 a month.

Company Annual Monthly
State Farm $2,010 $168
NJM $2,028 $169
Progressive $2,068 $172
Plymouth Rock $2,237 $186
GEICO $3,373 $281
Allstate $4,387 $366
St. Paul Protective $7,022 $585
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance is a combination of liability, collision and comprehensive coverages. Full coverage is desirable because liability insurance only covers damages and injuries you do to others — and none of your own costs after an accident.

Cheapest car insurance drivers with an accident history

If you have an accident on your insurance record, NJM has the cheapest average rate for car insurance in New Jersey, at $169 a month. State Farm's rate jumps up considerably after that, but is still the second lowest, at an average $277 a month.

Company Annual Monthly
NJM $2,028 $169
State Farm $3,329 $277
Progressive $3,495 $291
Plymouth Rock $3,509 $292
GEICO $4,425 $369
Allstate $5,955 $496
St. Paul Protective $10,182 $849
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for drivers with a speeding ticket

After a speeding ticket, New Jersey drivers can find the cheapest car insurance from State Farm, for an average $168 a month. Plymouth Rock has the second-lowest rate, $186 a month.

Company Annual Monthly
State Farm $2,010 $168
Plymouth Rock $2,237 $186
NJM $2,510 $209
Progressive $2,825 $235
GEICO $4,425 $369
Allstate $4,588 $382
St. Paul Protective $7,772 $648
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for drivers with a DUI

NJM has the cheapest average rate of $209 a month for liability-only car insurance after a DUI. Progressive is the next most affordable car insurance company after a DUI, at $212 a month.

Company Annual Monthly
NJM $2,510 $209
Progressive $2,539 $212
Plymouth Rock $2,962 $247
GEICO $5,266 $439
Allstate $6,737 $561
State Farm $7,960 $663
St. Paul Protective $9,619 $802
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A higher car insurance rate isn't the only problem you may face after a DUI. Fines, jail time and license suspension are possibilities, too. If your license is suspended, you will likely need to file an SR-22 to get it reinstated. An SR-22 is a document you are required to carry to prove you have the state-mandated minimum amount of liability insurance. New Jersey state law usually requires you to carry an SR-22 for three years.

Auto insurance providers consider drivers with a DUI to be high risk, and typically charge higher rates to offset their potential costs, if not refuse to cover you altogether.

Find cheap car insurance in New Jersey

Cheapest car insurance companies for teen drivers

NJM is the best, cheapest car insurance company for teen drivers in New Jersey, whether you're looking for minimum or full coverage, as well as for teen drivers with accidents, speeding tickets or DUIs on their record.

Eighteen-year-old drivers pay an average $385 a month for minimum-coverage car insurance in New Jersey, and $788 for full-coverage car insurance. Teen drivers pay the highest car insurance rates of any demographic. This is because they present a significant risk for an accident due to their lack of driving experience.

Cheapest minimum-coverage car insurance for teens

Eighteen-year-old drivers in New Jersey pay an average $197 a month with NJM for minimum-coverage car insurance. Plymouth Rock has the second-lowest average rate of $259 a month.

Company Annual Monthly
NJM $2,361 $197
Plymouth Rock $3,102 $259
GEICO $3,506 $292
State Farm $3,561 $297
Allstate $4,924 $410
Progressive $6,844 $570
St. Paul Protective $8,018 $668
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage auto insurance for teen drivers

Eighteen-year-old New Jersey drivers pay the cheapest rate for full-coverage auto insurance with NJM, at $364 a month. State Farm is the next most affordable, at $520 a month.

Company Annual Monthly
NJM $4,374 $364
State Farm $6,235 $520
Plymouth Rock $7,290 $607
GEICO $8,022 $668
Progressive $12,156 $1,013
Allstate $14,030 $1,169
St. Paul Protective $14,126 $1,177
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens after an accident

If you're a teen in New Jersey with an accident on your driving record, NJM offers the lowest average rate of $364 a month. GEICO is the next-cheapest car insurance company, with an average rate of $797.

Company Annual Monthly
NJM $4,374 $364
GEICO $9,570 $797
State Farm $10,441 $870
Plymouth Rock $10,479 $873
Progressive $14,166 $1,181
Allstate $15,563 $1,297
St. Paul Protective $19,086 $1,591
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a speeding ticket

Eighteen-year-olds in New Jersey with a speeding ticket pay the cheapest rate of $457 a month for car insurance with NJM. State Farm is in second place, with $520 a month.

Company Annual Monthly
NJM $5,486 $457
State Farm $6,235 $520
Plymouth Rock $7,290 $607
GEICO $9,570 $797
Progressive $12,966 $1,080
St. Paul Protective $15,169 $1,264
Allstate $15,563 $1,297
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a DUI

NJM has the cheapest car insurance rate of $457 a month for New Jersey teens with a DUI. Plymouth Rock has the second-lowest rate of $763 a month.

Company Annual Monthly
NJM $5,486 $457
Plymouth Rock $9,157 $763
GEICO $11,452 $954
Progressive $12,202 $1,017
Allstate $15,563 $1,297
St. Paul Protective $18,860 $1,572
State Farm $20,821 $1,735
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

New Jersey's cheapest car insurance for seniors

Plymouth Rock provides the most affordable car insurance rates for seniors in New Jersey, with NJM coming in second. Seniors in New Jersey pay an average rate of $155 a month for minimum coverage and $254 a month for full coverage. Senior drivers pay higher car insurance rates than younger adult drivers because insurers consider the loss of response time that happens as you age to be a risk factor. Even so, seniors with clean driving records still pay lower rates than teens.

Cheapest minimum-coverage auto insurance for seniors

Plymouth Rock offers the cheapest rates for minimum-coverage car insurance to New Jersey seniors, at $82 a month. NJM has the second-cheapest rates, at $86 a month.

Company Annual Monthly
Plymouth Rock $981 $82
NJM $1,031 $86
State Farm $1,067 $89
Progressive $1,317 $110
GEICO $1,566 $131
Allstate $2,567 $214
St. Paul Protective $4,452 $371
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for seniors

New Jersey seniors find the cheapest full-coverage car insurance from NJM at $143 a month. State Farm has the second-lowest average rate of $157 a month.

Company Annual Monthly
NJM $1,722 $143
State Farm $1,887 $157
Progressive $1,919 $160
Plymouth Rock $2,182 $182
GEICO $3,287 $274
Allstate $4,250 $354
St. Paul Protective $6,124 $510
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with an accident record

If you're a senior in New Jersey with a history of accidents, NJM has the cheapest car insurance rate of $143 a month. State Farm is the next most affordable, at $260 a month.

Company Annual Monthly
NJM $1,722 $143
State Farm $3,118 $260
Progressive $3,415 $285
Plymouth Rock $3,416 $285
GEICO $4,314 $359
Allstate $5,762 $480
St. Paul Protective $9,795 $816
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with a speeding ticket

State Farm has the cheapest car insurance for senior drivers in New Jersey, with an average rate of $157 a month. NJM is second, at $177 a month.

Company Annual Monthly
State Farm $1,887 $157
NJM $2,121 $177
Plymouth Rock $2,182 $182
Progressive $2,659 $222
GEICO $4,314 $359
Allstate $4,441 $370
St. Paul Protective $7,454 $621
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors after a DUI

NJM has the most affordable average rate in New Jersey of $177 a month for seniors with a DUI. Progressive has the next cheapest rate, at $197 a month.

Company Annual Monthly
NJM $2,121 $177
Progressive $2,362 $197
Plymouth Rock $2,885 $240
GEICO $5,140 $428
Allstate $6,521 $543
State Farm $7,442 $620
St. Paul Protective $9,234 $770
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare rates from top car insurance companies

Cheapest car insurance rates in New Jersey by city

Of New Jersey's most populated cities, Toms River has the cheapest average car insurance rate of $129 a month. Edison has the second cheapest, at $133 a month, followed by Woodbridge, at $139 a month.

Cheapest car insurance in New Jersey by city
City Average monthly rate
Toms River $129
Edison $133
Woodbridge $139
Trenton $143
Lakewood $147
Jersey City $165
Elizabeth $188
Newark $189
Paterson $190
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

What are New Jersey's car insurance requirements?

New Jersey state law requires the following minimum-coverage limits for registered drivers:

  • Bodily injury liability per person: $15,000
  • Bodily injury liability per accident: $30,000
  • Property damage liability: $5,000
  • Personal injury protection: $15,000

These limits are really only sufficient for meeting the New Jersey's minimum-coverage, or "liability insurance," requirements, but they. These limits will probably not be high enough if you're involved in a major accident. Any costs over your policy limits will have to come out of your own pocket. To protect yourself, we recommend increasing your limits to the following:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage liability: $100,000

FAQ

Why does car insurance in New Jersey cost so much?

New Jersey is a "no-fault" state. This means you'll file a claim with your own auto insurance company if you're injured in an accident, no matter who is at fault. Car insurance companies in New Jersey charge higher rates to offset the costs of paying for such claims.

New Jersey car insurance rates are also high because of weather risks there. New Jersey is prone to hurricanes and flooding, both of which may result in more car insurance claims. As a result, insurers tend to charge higher rates.

What if I can't find cheap car insurance?

If you can't find an affordable auto insurance policy through regular channels, see if you qualify for a Basic Policy. The Basic Policy was established to make sure that New Jersey drivers do not drive uninsured. A Basic Policy provides the following:

  • Property damage liability: $5,000 per accident
  • Personal injury protection: $15,000 per person per accident

Bodily injury liability is not covered, but can be added as an option. The Basic Policy limits are not equal to what you would get with a standard car insurance policy, but it will get you driving legally. You can find out more about the Basic Policy from the New Jersey Department of Banking & Insurance.

As a last resort, New Jersey offers a Special Automobile Insurance Policy (SAIP). Also known as "dollar-a-day" insurance, SAIP coverage includes the following:

  • Emergency treatment after an accident
  • Treatment for brain and spinal cord injury, up to $250,000
  • $10,000 death benefit

It's equally important to know what SAIP does not cover. Injuries to others, as well as damages to anyone involved in an accident, are not covered under an SAIP policy. SAIP will allow you to drive legally, but it's the barest coverage you can have. Take the time to compare quotes from multiple car insurance companies. Chances are you can find at least the proper minimum coverage you need at an affordable price.

Methodology

QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in New Jersey:

  • Allstate
  • GEICO
  • NJM
  • Plymouth Rock
  • Progressive
  • St. Paul Protective Insurance
  • State Farm

Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.

When discussing minimum-coverage car insurance, we used the following limits:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage liability: $100,000

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