Cheap Car Insurance in New Jersey

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Finding cheap car insurance in New Jersey

Looking for cheap car insurance in New Jersey? Here are average premiums by company and city so you can see how rates stack up. 

Because rates can vary considerably by company, it's important to compare prices if you're looking for cheap car insurance in New Jersey. You can potentially save hundreds of dollars annually by comparison shopping. We looked at premiums reported by EverQuote users in New Jersey for large insurance companies. The prices below reflect rates for one driver with a clean record and one car.

Company
(Click to see reviews)
Average monthly premium
USAA $140
NJM Insurance Group $149
AAA Insurance $150
Esurance $150
Allstate $150.50
Geico $151
Travelers $152
State Farm $153
Liberty Mutual $165
Farmers $165
Plymouth Rock Assurance $170
Progressive $174
Source: EverQuote. See full methodology below.


The best way to find a good deal is to get quotes from multiple companies. Also keep in mind that the cheapest car insurance company in New Jersey for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims.

Recent auto insurance rate changes approved by New Jersey

Even if you have a good driving record, you could get a car insurance rate increase at renewal time.

Below are rate changes recently approved by the New Jersey department of insurance.

These rate changes may not affect all customers in the state. A company could be listed more than once if it has rate changes for different groups of customers. If you are affected by a rate change, you'll get a notice at renewal time. The effective dates below indicate when the rate change will begin rolling out.

Company Effective date Rate change %

(  ) = decrease

AIG Property Casualty Co. 10/15/18 4.700
Mid-Century Insurance Co. 8/27/18 6.900
GEICO General Insurance Co.,

GEICO Indemnity Co.,

Government Employees Insurance Co.

8/10/18 3.660
Farmers Insurance Exchange 8/9/18 6.900
The Insurance Co. of the State of Pennsylvania 7/15/18 5.500
IDS Property Casualty Insurance Co. 7/1/18 6.900
IDS Property Casualty Insurance Co. 7/1/18 6.300
Selective Auto Insurance Co. of New Jersey 6/30/18 6.900
New Jersey Manufacturers Insurance Co. 6/1/18 2.900
The Cincinnati Insurance Co. 6/1/18 (7.300)
MIC General Insurance Corp. 5/28/18 4.200
The Hanover Insurance Co. 5/25/18 3.400
Metropolitan Property and Casualty Insurance Co. 5/15/18 3.900
High Point Property and Casualty Insurance Co. 4/15/18 2.500
Palisades Safety and Insurance Association 4/1/18 1.900
CSAA General Insurance Co. 4/1/18 7.000
Garrison Property and Casualty Insurance Co.,

United Services Automobile Association,

USAA Casualty Insurance Co.,

USAA General Indemnity Co.

3/18/18 1.600
Teachers Auto Insurance Co. of New Jersey 3/15/18 2.500
Mid-Century Insurance Co. 2/27/18 6.900
Farmers Insurance Exchange 2/9/18 6.900
California Casualty & Fire Insurance Co. 2/1/18 3.000
High Point Safety and Insurance Co. 1/29/18 5.000
St. Paul Protective Insurance Co. 1/26/18 3.000
American Commerce Insurance Co. 1/16/18 3.990
Harleysville Insurance Co. 1/8/18 5.000
Harleysville Preferred Insurance Co. 1/8/18 3.100
Citizens United Reciprocal Exchange 1/1/18 6.980
Nationwide Mutual Insurance Co. 1/1/18 7.000
Source: S&P Global Market Intelligence

New Jersey car insurance rates after accidents & speeding tickets

Accidents, claims and tickets can result in a rate increase at renewal time. We looked at premiums reported by EverQuote users in New Jersey who had an accident or speeding ticket on their records compared to those with clean records. 

On driving record Average monthly premium difference vs. clean record in New Jersey
Speeding ticket 38%
Accident 29%
Source: EverQuote. See full methodology below.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much New Jersey drivers are speeding and using their phones while driving.


New Jersey car insurance rates by city

We also compiled New Jersey car insurance rates reported by EverQuote users in various cities. Drivers in Toms River reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Toms River $140
Jersey City $171
Trenton $171
Clifton $174
Paterson $197
Elizabeth $200
Newark $211.50
East Orange $216
Source: EverQuote. See full methodology below.

How to get cheap car insurance in New Jersey

You'll often get the best rates by comparing quotes and keeping a good driving record.

Other ways to save include:

  • Ask your insurance agent to review all the possible car insurance discounts.
  • Increasing the deductible on comprehensive and collision coverage, if you have them.
  • Improve your credit. Drivers with poor credit often pay more because many insurers use a credit-based insurance score when determining rates.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 30, 2018

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