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Car Insurance in New Jersey (Updated May 2024)

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New Jersey Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at New Jersey specifically, drivers are paying 16% more for car insurance than the national average, with Full Coverage costing New Jersey drivers an average of $219 per month

Similar to other states, the rates in New Jersey can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in New Jersey. Read on to learn more about properly insuring your car in New Jersey. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

New Jersey Car Insurance Laws

When you're dodging potholes on the Parkway or the Turnpike, you're only one aggressive driver away from having to use your insurance policy. New Jersey car insurance law requires drivers to carry three types of mandatory insurance policies: liability insurance, personal injury protection, and uninsured motorist coverage.

New Jersey’s car insurance minimums are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $25,000 per person for property

Proof of Insurance

Failing to provide proof of insurance can warrant a fine up to $200 plus court costs. ” 

New Jersey's penalties for driving without insurance are some of the most strict in the nation. Failing to provide proof of insurance can warrant a fine of up to $200 plus court costs. Driving without liability insurance is even more costly, with a first offense costing between $300 and $1,000, and could result in community service or your license being suspended for a year. New Jersey drivers can avoid these problems by insuring their cars as soon as possible. Even so, if you buy a new car in New Jersey, you have a 30-day grace period to add the new vehicle to your existing policy. If you live near the Shore, you may opt for additional, comprehensive coverage that insures your car from floods and hurricanes, as well. 

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in New Jersey?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in New Jersey?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in New Jersey?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.