Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 16, 2022

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The Lowdown

  • According to the National Association of Insurance Commissioners (NAIC), New Jersey auto insurance is $119 per month
  • State Farm auto insurance can be as low as $36 per month
  • GEICO has the cheapest full coverage auto insurance in New Jersey
  • New Jersey is one of three states with low-income auto insurance

Do you want to compare cheap car insurance in New Jersey? NJ car insurance is more expensive than the national average, but there is a way to secure more affordable rates.

So, what is the monthly fee for New Jersey car insurance? And what factors do you need in order to purchase affordable auto insurance in NJ? Don’t worry — we’re here to help.

Continue reading this guide to learn how to obtain cheap auto insurance, which companies provide affordable liability and full coverage insurance, and what factors contribute to cheap auto insurance in New Jersey.

If you’re ready to compare quotes from multiple companies in your area, enter your ZIP code into our free tool to get started.

Which companies have cheap auto insurance quotes in NJ?

Affordable auto insurance quotes in New Jersey are available throughout the state. But you’ll need to know where to find them.

Let’s examine the table below to view cheap auto insurance companies in NJ.

Monthly Liability Auto Insurance Rates in New Jersey by Company
CompaniesMonthly Auto Insurance Rates
State Farm$36
GEICO$40
Plymouth Rock$60
NJM$71
Progressive$82
Allstate$92
Travelers$112
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State Farm and GEICO offer the least expensive liability-only car insurance in New Jersey.

Liability-only coverage is usually the most affordable option. However, that alternative won’t provide specific coverage that pays for damage to your vehicle when you’re at fault.

What are the minimum auto insurance requirements in New Jersey?

Liability car insurance is the minimum requirement in New Jersey. However, liability insurance supplies a minimum limit.

The minimum auto insurance requirement in New Jersey is $15,000 per accident for bodily injury of one person, $30,000 per accident for bodily injury of multiple people, $5,000 per accident for property damage, and $15,000 per accident for personal injury protection (PIP).

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Where can I find cheap auto insurance companies in NJ that provide full coverage?

The quickest way to locate cheap car insurance companies in New Jersey is to shop around. Fortunately, we’ve provided some estimates for you.

The National Association of Insurance Commissioners (NAIC) says that the average full coverage rate in New Jersey is $119 per month.

Here’s a list of the top auto insurance companies in New Jersey and their monthly full coverage rates.

Monthly Full Coverage Auto Insurance Rates in New Jersey by Company
CompaniesMonthly Full Coverage Auto Insurance Rates
GEICO$94
Plymouth Rock$111
State Farm$130
NJM$147
Progressive$159
Travelers$211
Allstate$213
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GEICO, Plymouth Rock, and State Farm have the most affordable auto insurance rates in New Jersey. However, you can secure more affordable rates if you possess favorable factors.

How do you obtain cheap auto insurance rates in New Jersey?

A favorable factor in auto insurance is a personal characteristic that deems you at low risk of filing a claim. And it’s essential to purchasing cheap auto insurance rates in New Jersey.

How do speeding tickets affect auto insurance rates in NJ?

Speeding violations have little to no effect on auto insurance companies in New Jersey. Let’s review the latest estimates from the top New Jersey car insurance companies:

  • GEICO – $94/month
  • Plymouth Rock – $111/month
  • State Farm – $130/month
  • NJM – $181/month
  • Progressive – $202/month
  • Travelers – $253/month
  • Allstate – $258/month

GEICO has the lowest monthly rates. Meanwhile, Travelers and Allstate have the most expensive fees per month.

Can accidents increase auto insurance quotes in New Jersey?

Accidents can escalate your car insurance rates by 10%. These are the results for New Jersey drivers:

  • Plymouth Rock – $120/month
  • GEICO – $132/month
  • NJM – $147/month
  • State Farm – $212/month
  • Progressive – $242/month
  • Travelers – $326/month
  • Allstate – $499/month

Travelers and Allstate are the most expensive auto insurance companies in New Jersey. Plymouth Rock is more affordable than GEICO when you factor in car accidents.

How much are NJ auto insurance rates after a DUI conviction?

DUI infractions have the most impact on car insurance rates. Not only will you receive a fine and possible jail time, but DUI convictions lead to a suspended license and an auto insurance rate increase of up to 40%.

But let’s examine how the best insurance providers calculate DUI offenses into monthly rates:

  • NJM – $181/month
  • Progressive – $183/month
  • GEICO – $190/month
  • Plymouth Rock – $205/month
  • Travelers – $302/month
  • Allstate – $306/month

NJM provides the least expensive car insurance rates for drivers with a DUI conviction. However, you may also require an SR-22 certification.

Allstate and Travelers auto insurance rates are nearly three times the New Jersey average.

Does age affect auto insurance rates in New Jersey?

Your age determines your driving experience and your risk as a driver.

Teens and young adults are known for higher auto insurance claims. But drivers 25 and older pay significantly less for car insurance.

Here’s how New Jersey insurance companies calculate rates based on age:

  • NJM is the cheapest company for 20-year-old drivers – $179/month
  • Plymouth Rock is the least expensive company for 30-year-old drivers – $89/month
  • Plymouth Rock is the most affordable company for 40-year-old drivers – $86/month
  • Plymouth Rock is the cheapest company for 50-year-old drivers – $90/month
  • Selective is the most affordable company for 60-year-old drivers – $97/month

New Jersey drivers between the ages of 30 and 60 pay at least $20 less for car insurance. If you’re a teen driver, your auto insurance rates will be three to five times more expensive than average.

Do married drivers pay less for auto insurance in New Jersey?

Married drivers, regardless of gender, pay at least 5% less than single drivers. Auto insurance companies have determined that married drivers are less likely than single motorists to file an auto insurance claim.

How does credit affect cheap auto insurance in NJ?

Your credit history can also impact your New Jersey car insurance. Credit correlates to your risk of filing claims.

Therefore, a poor credit score can increase your rates. But exceptional credit can decrease monthly rates by 30% or more.

Which New Jersey cities have the cheapest auto insurance?

Car insurance quotes vary for each New Jersey city, but some cities share the same risks as others. This means that you could see similar auto insurance rates across the entire state.

Let’s examine a few sample estimates.

These are the top five most expensive New Jersey cities for auto insurance:

  • Irvington, NJ – $232/month
  • Newark, NJ – $232/month
  • Passaic, NJ –  $227/month
  • Paterson, NJ – $224/month
  • East Orange, NJ – $223/month

And here is a list of the top five most affordable New Jersey cities for car insurance:

  • Bay Head, NJ – $133/month
  • Brielle, NJ – $133/month
  • Dover Beaches North, NJ  – $133/month
  • Lavallette, NJ – $133/month
  • Manasquan, NJ – $133/month

Some of New Jersey’s most populated areas offer more expensive rates, and other locations provide more affordable rates. Overall, the average monthly rates for most New Jersey cities are higher than average.

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How do I obtain low-income auto insurance in NJ?

Low-income car insurance in New Jersey is reserved for drivers who don’t earn enough money per year to pay for insurance. Therefore, New Jersey provides a state-sponsored auto insurance program.

New Jersey’s government-sponsored auto insurance is also known as “dollar a day” car insurance. It costs $365 per year and provides the minimum coverage.

Low-income insurance in NJ provides coverage for emergency room care and a $10,000 death benefit if a driver dies in a car accident. But low-income car insurance won’t cover outpatient costs.

Cheap Auto Insurance in New Jersey: The Bottom Line

You can find cheap auto insurance companies in New Jersey if you continue shopping around. We recommend that you avoid purchasing the first quote that you receive.

Take the time to consider all of your options before locating a policy that works best for you. If you can’t afford car insurance policies in New Jersey, try to enroll in low-income car insurance.

Before you buy affordable auto insurance in New Jersey, use our free online quote tool to compare multiple insurance companies near you.

Frequently Asked Questions: Cheap Auto Insurance in NJ

Would you like to know more about affordable car insurance in New Jersey? If so, read the answers to these frequently asked questions.

#1 – What is the cheapest vehicle to insure in New Jersey?

The Subaru Outback is the cheapest car to insure in New Jersey.

#2 – Is GEICO the most affordable auto insurance company in NJ?

No, it isn’t. The most affordable car insurance company in New Jersey depends on your circumstances.

#3 – How can I lower my auto insurance in New Jersey?

Maintain a clean driving record and a good credit score.