Fast, Free Auto Insurance Quotes

New Jersey is one of the top ten most expensive states for auto insurance, with an average rate across the state of $1,992. The bustling tri-state is the most densely populated of the entire United States. However, not all drivers will have to pay these costly rates. Drivers that shop around and compare quotes will find cheap car insurance rates. We wanted to analyze premiums to provide New Jersey drivers with information about evaluating quotes based on carriers and cities. Our analysis below shows how much rates can vary for NJ drivers. Read on to find out more about cheap car insurance in the Garden State, or enter your ZIP code above to begin your search immediately.

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Cheapest Auto Insurance in New Jersey

We looked at the average monthly payments entered by EverQuote users in New Jersey. To be sure we had a logical comparison of our numbers, we focused on a single driver profile: a male driver with a clean driving record insuring a full-size or mid-size car. The table below shows EverQuote's findings of the seventeen cheapest car insurance carriers in New Jersey, from lowest to highest cost.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 USAA $1,584 $132
2 21st Century Insurance $1,602 $134
3 NJM Insurance Group $1,728 $144
4 Allstate $1,728 $144
5 AAA / Auto Club $1,800 $150
6 Esurance $1,836 $153
7 GEICO $1,884 $157
State Average $1,896 $158

Fast, Free Auto Insurance Quotes

After reviewing quotes, we found that USAA offered the cheapest car insurance in New Jersey at an annual cost of $1,584. Another low-cost alternative was 21st Century Insurance. The overall savings between the highest cost and lowest cost carrier is over $1,200.

Cheapest Car Insurance in New Jersey by City}

After examining carrier differences, we reviewed reported auto insurance rates in various cities throughout New Jersey. For a fair comparison, we again used the driver profile of a male with a clean driving record insuring one full-size or mid-size vehicle. The final rates from city to city varied greatly. For example, Paterson had the highest rate at $2,520 for average yearly expense and a median monthly payment of $210. The cities of Somerset, Vineland and West New York saw the most cheapest car insurance rates in the state.

Rank CA City Average Yearly Cost Average Monthly Payment
1 Somerset $1,620 $135
2 Vineland $1,648 $137
3 West New York $1,656 $138
4 New Brunswick $1,704 $142
5 Toms River $1,716 $143
6 Edison $1,740 $145
7 Perth Amboy $1,896 $158
8 Plainfield $1,896 $158
State Average $1,896 $158
9 Bloomfield $1,902 $159
10 Jersey City $1,914 $160
11 Bayonne $1,986 $166
12 Trenton $2,160 $180
13 Clifton $2,160 $180
14 Elizabeth $2,220 $185
15 East Orange $2,274 $190
16 Union City $2,277 $190
17 Irvington $2,352 $196
18 North Bergen $2,352 $196
19 Camden $2,376 $198
20 Newark $2,424 $202
21 Paterson $2,520 $210

Methodology For This Study

For this analysis, EverQuote collected self-reported monthly premiums from over two million users looking to save money on auto insurance. This data, along with users' current car insurance companies and ZIP codes at the time of the survey, allowed us to produce the analysis you see above. EverQuote users differ from one another in many ways that can affect the price of car insurance. A driver’s age and gender, as well as the number of drivers in a home can all affect the premium rate. To ensure a fair comparison of our numbers, we compared the premiums reported by a subset of similar users.