Auto Insurance in New Jersey

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Buying auto insurance in New Jersey is just par for the course for residents of The Garden State, even though the average cost of insurance is practically double the national rate. The super-metropolitan area is considered a suburb of both New York and Philadelphia, so it’s a highly desirable area for many folks. However, living right on the northeast coast of the States can present problems, like nasty storms and flooding. Because so many people in New Jersey drive, it’s a good idea to look into affordable car insurance companies to make sure that you have maximum coverage in the event of an accident.

New Jersey

Population: 8,938,175
New Jersey
US Average

New Jersey has a whopping population of 8.9 million people, making it the most populous states in the country. Most of the residents live around Newark and other areas in immediate proximity to New York City, but there are also pockets of city life along the coast and inland toward Philadelphia. The winters here can get pretty blustery, so drivers should protect themselves against accidents during inclement weather.

New Jersey Minimum Liability

Bodily Injury

per person
per accident

Property Damage

per accident

The minimum liabilities in New Jersey are quite low considering their high premiums. Drivers only need to cover $15,000 per person and $30,000 per accident, as well as only $5,000 for property damage. New Jersey is a no-fault state, which means that no matter who causes a car accident, each driver is responsible for covering his own damages and bills.

In 2013, the average auto liability claim for property damage was $3,231, and the average auto liability claim for bodily injury was $15,443. This is the average cost of an accident, which means that half of them are considerably more expensive and could lead to tens or hundreds of thousands of dollars of debt coming out of your pocket. This makes it extra important to price out the very best car insurance with top-quality coverage, especially considering New Jersey’s no-fault clause.

When shopping for car insurance, you should get several quotes from various insurance companies to find the companies that provide the most coverage for the lowest rate.

Cheapest Car Insurance in New Jersey

Yearly Rate

  • $2,581
  • $2,077
    State Farm
  • $1,552
  • $3,575
  • $1,611
    New Jersey Manufacturers

Cost might be the bottom line when you’re looking for an auto insurance company. Choosing a car insurance company with low-cost rates means you benefit from savings on monthly premiums, which can be important in areas like New Jersey that are quite expensive to begin with.

When you look for affordable rates, keep in mind that there may be other aspects of your insurance that you’re sacrificing. Ideally, you want to make sure all your basic coverage needs are met, and you’re choosing a company that is easy to work with and has a good reputation for following through on claims.

Where is car insurance most affordable?

New Jersey is a small state with a giant population, which means there is plenty of variation in rates on auto insurance in different areas.

Trenton and Vineland are two of the less expensive cities, while Newark and East Orange are the highest on the spectrum.

Bayonne Auto Insurance

Population: 61,842
New Jersey

Bayonne is located just east of Newark and has a population of around 61,800 people. Its location right on Newark Bay makes it a popular choice for commuters to NYC and people who enjoy a waterfront view. It offers the best of all worlds, especially for people who work in Manhattan but don’t want to deal with the chaos of living in the Big Apple. It’s a very car-dependent town, and insurance is a bit less than the state average.

Camden Auto Insurance

Population: 76,904
New Jersey

Camden is an important part of New Jersey, but it’s also often thought of as a suburb of Philadelphia, Pennsylvania. It has a population of 77,300, and many residents get around on public transit, while others rely on their cars. Car insurance policies here are generally less than what you’ll find in the rest of the state.

Clifton Auto Insurance

Population: 85,390
New Jersey

Clifton is a town of around 84,100 residents in Passaic County, an area known for its charming promenade, upscale shopping, and friendly residents. Most people have cars, so you’ll want to have adequate auto insurance while driving here. Insurance premiums are on the lower end of the range for New Jersey.

East Orange Auto Insurance

Population: 69,824
East Orange
New Jersey

East Orange is one of the more expensive areas of New Jersey. It’s located in the northeastern area of the state and offers easy access to New York City. Auto insurance in this town is considerably more expensive than the state average — still, most residents tend to drive instead of opting for public transportation.

Elizabeth Auto Insurance

Population: 127,568
New Jersey

Elizabeth is one of the largest cities in the state, with a population of 124,900 people. It has a beautiful setting and plenty of lovely neighborhoods and has been named one of America’s 50 Greenest Cities by “Popular Science Magazine.” Most residents still opt for a car to get around, however, and car insurance rates tend to be a bit above the average for the state.

Jersey City Auto Insurance

Population: 257,342
Jersey City
New Jersey

Next to Newark, Jersey City is the most populous city in the state, with 257,500 residents. It’s often referred to as “Wall Street West” due to its proximity to Manhattan’s Wall Street, and many financial workers live here and commute to lower Manhattan. The area is fairly congested, and the car insurance rates are just about level with the state average.

Newark Auto Insurance

Population: 278,546
New Jersey

Newark is a central hub of New Jersey, with a population of 278,500 residents. It’s an important area for many reasons, including being home to Newark International Airport and many large corporations and employers. Car insurance premiums here run quite a bit above average for the state.

Passaic Auto Insurance

Population: 67,861
New Jersey

Passaic is a quaint city located on the very northern tip of New Jersey and is home to about 69,700 residents. This charming place is the hometown of many famous residents, including actors Paul Rudd and Zoe Saldana, as well as Sherwood Schwartz, the creator of the “Brady Bunch.” Car insurance premiums here are about average for the state.

Paterson Auto Insurance

Population: 145,222
New Jersey

Paterson is one of New Jersey’s more sizable cities, with a population of 147,000. The city is second only to New York City when it comes to population density in the United States. Its nickname is Silk City because it played a big role in silk production in the late 1800s and continues to produce some fine silk fabrics today. Car insurance premiums here are a bit above the average for the state.

Trenton Auto Insurance

Population: 85,403
New Jersey

Trenton, located smack in the middle of the state, is the capital of New Jersey and the former capital of the entire United States of America. It’s a desirable city because drivers can easily navigate to most places in New Jersey, as well as over the Delaware River to Pennsylvania. Car insurance premiums in Trenton are well below the national average.

Union City Auto Insurance

Population: 67,088
Union City
New Jersey

Union City is situated in the center of northern New Jersey, near Hoboken. It’s home to the reputable Park Performing Arts Center and also close to public transit that makes it easy to hop into Manhattan or get to other destinations in the Northeast. Those looking for auto insurance in this area will find that it’s just slightly above the average for the state.

Vineland Auto Insurance

Population: 56,271
New Jersey

Vineland has a population of 60,700 and is set on the far southern border of New Jersey. This area provides easy access to Philly and is also known for its relaxed vibe and the beautiful areas surrounding it. It’s a less populous area, and the car insurance premiums are about as low as you’ll find in this state.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.