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.
| 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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