Best Auto Insurance Rates in Trenton, New Jersey

On average your neighbors pay $104 a month.

Compare Auto Insurance in Trenton

Trenton, New Jersey, has long been tied to the slogan, "Trenton Makes, The World Takes." This slogan came about due to the city’s hand in the manufacturing of steel, rubber, wire rope, linoleum, and ceramics.

We think it's time to give back to the city that has given everyone else so much. So why not start with affordable car insurance?

Average Trenton Car Insurance Rates

How much is car insurance in Trenton, NJ? Premiums in Trenton are higher than the national average. Actually, rates throughout New Jersey are high. In fact, it’s the most expensive state in America for car insurance. The average cost of auto insurance in New Jersey is $1,265.69 per year. The national average price is $889.01.

Prices will vary depending on several factors including: your driving record and the number of points on your driver's license, your car, limits, coverage, and the number of insurance claims filed in your zip code.

New Jersey Average Annual Car Insurance Rates
Coverage Rates
Liability $869.57
Collision $381.86
Comprehensive $131.35
Total Cost Per Year $1,265.69
Price Per Month $104.72
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New Jersey insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New Jersey car insurance rates increased from $1,186 in 2011 to $1,263 in 2015, a jump of $79, or 6.70 percent.

New Jersey average car insurance rates

QuoteWizard connects consumers with top national insurance companies and local agents. From there, they can compare quotes and save up to 40 percent on an insurance policy.

Last year, 1,803 people used QuoteWizard to compare car insurance quotes in Trenton, NJ from multiple companies to lower their rates.

Best Car Insurance Companies in Trenton, NJ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Trenton, New Jersey last year. Of these 1,803 users, 98 did not have insurance when they requested a quote.

  1. Progressive
  2. GEICO
  3. Allstate
  4. Liberty Mutual
  5. Farmers
  6. AAA
  7. State Farm
  8. USAA
  9. MetLife
  10. Nationwide

Other popular Trenton, New Jersey car insurance companies: American Family, AIG, Hartford, Travelers, Unitrin, Safeco, High Point, and Mercury.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Trenton, NJ drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord LX/EX
  2. Ford Taurus SE
  3. Ford F150
  4. Chevrolet Impala LS/LT
  5. Honda Civic EX/LX
  6. Ford Explorer
  7. Ford Fusion SE
  8. Chevrolet Malibu LS
  9. Jeep Grand Cherokee Laredo
  10. Honda CR-V EX

Minimum Car Insurance Requirements in Trenton, NJ

Trenton, New Jersey has a minimum coverage requirement known as the 15/30/5 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The total your carrier will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $15,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.


Trenton, NJ has a warm climate. That means hot summers and no dry season. On average, the city experiences 201 days of full or partial sunshine each year. It also experiences about 120 days with measurable precipitation annually. Perhaps most important to Trenton drivers is that the city receives 23 inches of snow in an average year.

Road Conditions

According to TRIPNET, 37 percent of New Jersey's major roads are in poor condition. These pothole-filled roads cost motorists a total of $6.9 billion annually in extra vehicle operating costs. That’s $632 per motorist.

To report a pothole in your area, contact the Division of Streets at 609-989-3201.

Traffic Congestion

According to, the Inrix Urban Mobility Scorecard, Trenton residents spend an extra 6,970 hours in traffic annually. That comes to 24 extra hours per commuter. They also spend $157 million in congestion costs annually. The cost per commuter: $532.

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to purchase a high-risk insurance policy.

Traffic Tickets

The Trenton Municipal Court website allows you to pay traffic tickets. It also tells drivers their rights in municipal court and provides other helpful court information.

The Trenton Municipal Court resolved 49,308 traffic cases in 2015. That’s a drop of 7 percent from the 52,808 traffic cases resolved in 2014. Traffic cases include drunk driving, moving violations, and parking violations.

Drunk Driving Cases

The Trenton Municipal Court resolved 382 DWI cases in 2015. That’s an increase of 63 percent from the 234 DWI cases resolved in 2014.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Trenton DWI insurance.

Car Accident Statistics

Mercer County responded to 10,329 car accidents in 2017.

Traffic Fatalities

Mercer County also reported 26 traffic fatalities in 2017.

Vehicle Theft Rates

Trenton reported 368 motor vehicle thefts in 2016. That’s a theft rate of 4.33 per 1,000 residents—double the national average of 2.37 per 1,000 people.

This data suggests Trenton isn’t the safest place to have a car. It also helps explain why car insurance rates for this city’s drivers are so high.

Car Insurance Discounts

Do you want affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the auto insurance discounts available to Trenton, NJ drivers. Get a quote to find out which discounts you may qualify for from your current or multiple insurance companies.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  4. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  5. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  6. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.