Drivers in New Jersey must carry auto insurance on any registered vehicle. Premiums have increased in recent years, so it’s more important than ever to compare quotes and coverage across multiple insurers to find the best fit for your needs and budget.
To help you find the best car insurance in New Jersey, we considered current statewide price benchmarks, coverage options, discounts, customer service, and third-party ratings for financial strength and customer satisfaction. Recent statewide averages from Bankrate, NerdWallet, Forbes Advisor, and The Zebra help frame what typical drivers pay today, while customer experience insights draw on the latest J.D. Power U.S. Auto Insurance Study (Mid-Atlantic).
The 5 Best Auto Insurance Companies in New Jersey
- New Jersey Manufacturers Insurance: Best for Customer Satisfaction and local service
- State Farm: Best for Agent support and telematics programs
- Geico: Best for Discounts and digital tools
- Allstate: Best for Coverage Options and add-ons
- Progressive: Best for High-Risk Drivers and usage-based pricing
Compare the Best Car Insurance Companies in New Jersey
| AVERAGE PRICE FOR MINIMUM COVERAGE* | Average Price for Full Coverage* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin New Jersey Manufacturers Insurance | $370 | $1,271 | A+ (Superior) | 867 | |
| Pin State Farm | $724 | $1,244 | A++ (Superior) | 851 | |
| Pin Geico | $559 | $1,316 | A++ (Superior) | 835 | |
| Pin Allstate | $909 | $1,686 | A+ (Superior) | 830 | |
| Pin Progressive | $735 | $1,469 | A+ (Superior) | 834 |
Information current as of 2025; statewide averages and ratings may vary by source and methodology.
* Benchmarks synthesized from Bankrate, NerdWallet, Forbes Advisor, and The Zebra.
** J.D. Power U.S. Auto Insurance Study (Mid-Atlantic region), latest edition available: 2024. Based on a 1,000-point scale.
New Jersey Manufacturers Insurance
Best for Low Rates
Why we chose it
Why we chose it
Pros
- Low annual premiums
- Highly rated customer service
- Wide variety of coverage options
Cons
- Only available in 4 states
- No mobile app to manage your policy
- Limited endorsement options
Types of Coverage Offered
- Liability
- Uninsured & underinsured motorist
- Medical expenses
- Collision
- Comprehensive
- Gap insurance
- Transportation expense
- Roadside assistance
- New car replacement
- Pet coverage
Discounts Available
- Driver training
- Electronic payment
- Full coverage
- Good student
- Home and auto bundle
- Multi-vehicle
- New car
- Paid-in-full
- Vehicle safety equipment
MORE NEW JERSEY MANUFACTURERS INSURANCE REVIEWS
State Farm
Best for Customer Satisfaction
Why we chose it
Why we chose it
Pros
- Highly-rated customer satisfaction
- Many coverage options, including rideshare
- Useful digital tools
Cons
- Higher premiums than some competitors
- No accident forgiveness coverage available for purchase
- Fewer additional endorsements than competitors
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Car rental and travel expense
- Uninsured & underinsured motorist
- Medical payments
- Emergency road service
- Rideshare driver coverage
Discounts Available
- Accident-free
- Defensive driving course
- Good student
- Good driving
- Driver training
- Student away at school
- Vehicle safety features
- Passive restraint
- Anti-theft
- Multi-auto
- Multiple line
More State Farm Insurance Reviews
Geico
Best for Discounts
Why we chose it
Why we chose it
Pros
- Many discounts available
- Highly-rated mobile app
- Special coverage for trips to Mexico
Cons
- No gap coverage
- Few local agents
- Average customer satisfaction
Types of Coverage Offered
- Liability
- Medical
- Uninsured & underinsured motorist
- Collision
- Comprehensive
- Emergency road service
- Rental reimbursement
- Mechanical breakdown
Discounts Available
- Vehicle safety features
- Good driver
- Seat belt use
- Defensive driving
- Driver’s education course
- Good student
- Emergency deployment
- Federal employee
- Membership & employee
- Military
- Multi-vehicle
- Multi-policy
More Geico Insurance Reviews
Allstate
Best for Coverage Options
Why we chose it
Why we chose it
Pros
- Many coverage options
- Excellent digital tools and resources
- Large network of local agents
Cons
- Below-average customer satisfaction
- Higher rates than many competitors
- Only 6-month policies available
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Medical payments
- Uninsured & underinsured motorist
- Sound system
- Roadside coverage
- Personal injury protection
- Personal umbrella
- Rental reimbursement
- Rideshare
- Classic car
- Travel to Mexico
Discounts Available
- Anti-lock brake
- Anti-theft device
- Multiple policy
- Early signing
- Responsible payer
- Smart student
- New car
- Automatic payments
- Paperless billing
- Full-pay
- Safe driver
More Allstate Insurance Reviews
Progressive
Best for High-Risk Drivers
Why we chose it
Why we chose it
Pros
- Low rates for New Jersey drivers
- Coverage for high-risk drivers
- Excellent digital tools
Cons
- Below-average customer satisfaction
- Mixed regional satisfaction results
- Discounts not available everywhere
Types of Coverage Offered
- Liability
- Comprehensive
- Collision
- Uninsured/underinsured motorist
- Medical payments
- Roadside assistance
- Loan/lease payoff
- Rental car reimbursement
- Customer parts and equipment value
- Rideshare coverage
- Deductible savings bank
Discounts Available
- Multi-policy
- Multi-car
- Continuous insurance
- Safe driver
- Teen driver
- Good student
- Distant student
- Homeowner
- Quote and sign online
- Paperless billing
- Pay in full
- Automatic payment
More Progressive Insurance Reviews
* Benchmarks synthesized from Bankrate, NerdWallet, Forbes Advisor, and The Zebra.
** J.D. Power’s U.S. Auto Insurance Study (Mid-Atlantic region), latest edition available: 2024. Based on a 1,000-point scale.
The Average Cost of Car Insurance in New Jersey
New Jersey car insurance rates remain elevated relative to the U.S. average, reflecting dense traffic, medical and repair cost inflation, and the state’s no-fault framework. In 2025, typical costs run about $1,000–$1,200 per year for minimum coverage and roughly $2,600–$3,000 per year for a full-coverage policy, based on recent statewide analyses by Bankrate, NerdWallet, Forbes Advisor, and The Zebra. That’s about $85–$100 per month for minimum coverage and $215–$250 per month for full coverage. Actual premiums vary widely by driver, vehicle, location, and selected limits/deductibles. Given the broad premium increases since 2023 documented in the BLS motor vehicle insurance CPI, it can be helpful to shop around when choosing an insurance carrier — rates can vary by hundreds of dollars from one provider to the next. Other factors that will help determine your insurance rate include your age, driving history, vehicle, and credit score (in states where allowed).
Top 3 Cheapest Car Insurance Companies in New Jersey
| Company | Average Annual Premium for Full Coverage |
| NJM Insurance Group | Frequently competitive for eligible drivers; often near the lower end of the statewide range (actual quotes vary) |
| GEICO | Often competitive statewide with robust discounts; pricing varies by profile and ZIP |
| State Farm | Often below the statewide average for good drivers; results vary by driver and location |
Top 3 Most Expensive Car Insurance Companies in New Jersey
| Company | Average Annual Premium for Full Coverage |
| Quotes for high-risk drivers | Often at or above the top of the statewide range (e.g., major violations, recent at-fault crashes) |
| Quotes in dense urban ZIP codes | Frequently above the statewide average due to higher claim frequency and theft risk |
| Carriers with a limited NJ appetite | Can price significantly higher depending on underwriting targets and capacity |
Top 3 Cheapest Cities for Car Insurance in New Jersey
| City | Average Annual Full Coverage Premium |
| Manasquan | Typically near the lower end of the statewide full-coverage range (actual quotes vary) |
| Brielle | Typically near the lower end of the statewide full-coverage range (actual quotes vary) |
| Sea Girt | Typically near the lower end of the statewide full-coverage range (actual quotes vary) |
Top 3 Most Expensive Cities for Car Insurance in New Jersey
| City | Average Annual Full Coverage Premium |
| Irvington | Often above the statewide average due to population density and traffic exposure |
| Newark | Often above the statewide average due to congestion and theft risk |
| East Orange | Often above the statewide average due to density and traffic exposure |
Key Things to Know About Car Insurance in New Jersey
While the Garden State is one of the smallest states in the U.S., it is densely populated. This means that traffic-heavy roads present a higher risk of crashes and theft, which increases insurers’ loss costs and premiums. Here’s what you need to know about driving and car insurance in New Jersey.
- New Jersey remains the most densely populated U.S. state, with a high persons-per-square-mile figure that structurally elevates crash exposure (U.S. Census QuickFacts).
- The NY–NJ metro is the most congested in the U.S., contributing to more collision opportunities for many New Jersey commuters (INRIX Global Traffic Scorecard).
- Vehicle thefts exceeded 1 million nationally in 2023, with many increases concentrated in urban areas — pressuring comprehensive coverage costs in dense parts of New Jersey (NICB).
In addition, New Jersey experiences coastal storms, tropical systems, winter weather and flooding. As a result, it can be important for drivers to have the right types of car insurance to protect their vehicle against these risks. Here are some things to consider when it comes to severe weather in New Jersey:
- The U.S. set a record in 2023 with 28 separate billion‑dollar weather and climate disasters, underscoring ongoing coastal and storm risk that can affect New Jersey; comprehensive coverage is what typically protects against flood, wind, hail and other non‑collision perils (NOAA Billion‑Dollar Disasters).
- Higher catastrophe and reinsurance costs have kept property‑related insurance pricing firm nationwide, which can filter into auto premiums where storm losses and repair costs rise (Gallagher Re 2024 renewals).
New Jersey Car Insurance Requirements
New Jersey has two different minimum coverage car insurance options: the basic policy and the standard policy. The coverage types and limits required are as follows:
Basic policy:
- Up to $10,000 in optional bodily injury liability per accident
- $5,000 property damage liability per accident
- $15,000 personal injury protection (PIP) (certain severe injuries are covered up to $250,000)
Basic policies do not have an uninsured or underinsured motorist option. Depending on the insurance company, drivers with basic policies may also not be able to add comprehensive or collision coverage.
Standard policy:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- Personal injury protection (PIP) (limits vary; certain severe injuries receive up to $250,000 in medical expense benefits)
- $15,000 uninsured motorist bodily injury liability per person (minimum)
- $30,000 uninsured motorist bodily injury liability per accident (minimum)
- $5,000 uninsured motorist property damage liability (minimum)
- Underinsured motorist bodily injury liability (optional; higher limits available, often matched to liability limits)
Comprehensive and collision coverage are available on standard policies. Beginning with policies issued or renewed on or after Jan. 1, 2026, the Standard policy’s minimum bodily injury liability increases to 35/70 while property damage remains $25,000 (State of New Jersey announcement).
Car Insurance Coverage Options
While a basic policy is all you need to drive legally in New Jersey, there are other coverages that could provide greater financial protection. For example, if you have a loan or lease on your vehicle, your financial institution likely requires you to carry comprehensive and collision coverages. Other coverages you may want to consider include:
- Uninsured/underinsured motorist: This coverage, required in New Jersey with a standard policy, protects you from financial losses if you’re in an accident with another driver who doesn’t have insurance or does not have enough insurance to pay for your damages.
- Roadside assistance: Most insurance companies offer this optional coverage you can use to get a towing service, tire change, and more in the event your car breaks down.
- Gap coverage: This optional coverage covers any financial losses you might experience when you total your new vehicle and the claim payout of the car is lower than the remaining amount on your loan or lease.
Accident forgiveness: Car insurance rates usually increase after an accident. With optional accident forgiveness coverage, your rates won’t increase after just one accident. Many insurers also offer telematics/usage-based programs that can raise or lower your premium based on driving behavior (including phone distraction); review program terms and privacy before enrolling (NAIC guide).
Frequently asked questions
Methodology
Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance companies in New Jersey, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com rating. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you.
For statewide pricing context, we referenced 2025 New Jersey averages reported by multiple independent sources — including Bankrate, NerdWallet, Forbes Advisor, and The Zebra. Methodologies differ by publisher, but “full coverage” commonly includes liability plus comprehensive and collision with deductibles in the $500–$1,000 range. Typical illustrative limits include:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
When we reference minimum coverage, we align to New Jersey’s Standard Policy minimums now at 25/50/25 (BI/BI/PD) and scheduled to rise to 35/70 for bodily injury on policies issued or renewed on or after Jan. 1, 2026; the Basic Policy remains available with much lower protections. See the New Jersey Department of Banking and Insurance and the state’s announcement for details.
These are benchmark figures for comparison only — your own rates will differ based on your driver profile, vehicle, garaging ZIP and selected limits/deductibles.
