Auto Insurance in New Jersey
New Jersey’s auto insurance rates are on the higher side — on average $2,158 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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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
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
- $2,077State Farm
- $1,611New 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.
Most Popular Companies by Marketshare
- State Farm
- New Jersey Manufacturers
The most popular car insurance companies in New Jersey are generally the big names that operate nationwide or have a huge local presence. These companies tend to offer great packages but don’t always go out of their way to customize deals for you based on your specific needs.
Popular doesn’t always mean best. In addition to considering the well-known options, be sure to look into some of the smaller companies in New Jersey — you can often find great deals through local services.
Choosing the Best Car Insurance in New Jersey
Don’t be hasty about choosing an auto insurance provider. It’s likely that you’ll have a long relationship, and you want to make sure you find exactly the right company for you. The top-rated companies have a solid track record for providing consistently strong coverage for their customers.
You should judge these companies based on a variety of factors to find ones that excelled across the board. Among other things, consider their standards of customer service, discounts offered, how easy it is to file a claim, and other qualities we thought you’d care about.
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
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
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
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
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
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
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
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
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
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
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
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
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.
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