Cheap Car Insurance in New Jersey 2019

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Finding cheap New Jersey car insurance

Looking for cheap New Jersey auto insurance? Try these tips:

  • Compare car insurance quotes from multiple insurance companies to find a good deal. Car insurance rates vary by hundreds of dollars among insurers for the same coverage, so shopping around can pay off.
  • Keep a good driving and claims record. Try to avoid car accidents, tickets for moving violations and insurance claims.
  • Ask your insurance agent to review all the discounts available from your insurer.
  • Adding a young driver to an insurance policy? Here are tips for getting cheap car insurance for teen drivers.
  • Raise the deductible on comprehensive and collision insurance, if you buy them.
  • Buy homeowners insurance from your auto insurance company to get a "bundling" discount.

We analyzed average insurance premiums reported by EverQuote users in New Jersey so you can see how prices compare for Garden State drivers.

Sections:

New Jersey insurance vs. the U.S. average
Average New Jersey insurance premiums by company
Insurance increases after a speeding ticket
Insurance increases after an accident
Average premiums for New Jersey cities

New Jersey insurance vs. the U.S. average

Average insurance premiums paid by New Jersey drivers with good records are much higher than the national average, making New Jersey one of the most expensive places for car insurance.

  • $2,021/year New Jersey average.
  • $1,684/year national average.

Average New Jersey premiums by company

Company
Click to see reviews

Average yearly premium in New Jersey

USAA (must have a military affiliation to buy from USAA)

$1,753

MetLife

$1,873

Travelers Insurance

$1,918

NJM Insurance

$1,938

State Farm

$1,960

Allstate

$1,961

AAA Insurance/Auto Club

$1,965

Farmers Insurance

$1,981

Geico

$1,985

Esurance

$2,070

Plymouth Rock

$2,090

Progressive Insurance

$2,145

Liberty Mutual

$2,148

Insurance increases in New Jersey after a speeding ticket

New Jersey drivers who get a speeding ticket end up paying an average insurance increase of 24%, about the same as the nationwide average increase.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
New Jersey $2,021 $2,504 24%
Nationwide average 26%

Insurance increases in New Jersey after an accident

New Jersey drivers who cause an accident get an average insurance increase of 32%, less than the national average increase.

State Annual premium with clean driving record Annual premium with a chargeable accident, no injury % increase
New Jersey $2,021 $2,659 32%
Nationwide average 36%

Average premiums in New Jersey cities

Car owners in Irvington pay the most for auto insurance among the New Jersey cities we examined.

City

Average annual premium

Asbury Park

$1,796

Atlantic City

$2,126

Bayonne

$2,072

Belleville

$2,019

Bloomfield

$2,186

Brick

$1,894

Camden

$2,363

Cherry Hill

$1,869

Clementon

$2,023

Clifton

$2,134

East Orange

$2,459

Edison

$1,959

Egg Harbor Township

$1,860

Elizabeth

$2,471

Hackensack

$1,906

Irvington

$2,502

Jersey City

$2,081

Lakewood

$1,886

Linden

$2,192

Manchester Township

$1,664

Mays Landing

$1,771

Mount Laurel

$1,670

Neptune

$2,049

Newark

$2,436

North Bergen

$2,095

Orange

$2,254

Paterson

$2,449

Perth Amboy

$2,292

Piscataway

$2,042

Plainfield

$2,154

Sicklerville

$2,119

Somerset

$1,898

Toms River

$1,800

Trenton

$2,073

Union

$2,239

Union City

$1,933

Vineland

$2,068

Williamstown

$1,929

Willingboro

$2,191

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated March 6, 2019

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