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Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

Car Insurance in New Jersey

What's the average cost of car insurance in New Jersey and which company has the cheapest car insurance?

How much does car insurance cost in New Jersey?

Let's explore the cost of auto insurance in New Jersey and how it affects your wallet.

Most drivers in New Jersey State can enjoy cheaper car insurance, which averages around $1,678. Although rates are lower than in other US states, younger drivers and policyholders from larger cities must expect significantly higher rates, which may exceed $3,188 annually. Bodily injury (BI) liability coverage, for which the minimum insurance limits are set at $15000, is an insurance cover that helps you pay for medical expenses related to the other driver’s injuries. Property damage (PD) liability coverage pays toward property damage that you cause to others involved in a traffic accident. In New Jersey, you are required to comply with the minimum PD liability insurance limits of $30000.
minimum full coverage premiumaverage full coverage premium
New Jersey$845$1,678 Your Rates? Get Quotes
Teen Drivers$845$3,020 Your Rates? Get Quotes

Auto insurance requirements in New Jersey

What does New Jersey law mandate when it comes to vehicle coverage?

Bodily injury liability coverage per accident is set at $30,000 in New Jersey and is therefore among the lowest. However, do not rely on low minimum limits and pay extra for better insurance coverage. In the event of an accident, you will be assured of sufficient financial compensation. New Jersey has some of the lowest limits for the minimum bodily injury liability coverage per person of $15,000. In most cases, this amount is completely insufficient, so it is an absolute minimum, which you should definitely increase given your financial possibilities. If you caused an accident in New Jersey (if you're at fault), your property damage liability insurance coverage can cover up to a total of $5,000 for the other party's vehicle repairs.
Minimum Coverage TypeCoverage Limits in NJ
Bodily injury liability per person in New Jersey$15,000 Get Quotes
Bodily injury liability per accident in New Jersey$30,000 Get Quotes
Property damage liability per accident in New Jersey$5,000 Get Quotes
Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

Want accurate rates based on your city and ZIP code?

We will find you the most affordable car insurance that will meet your needs!

The typical annual cost of car insurance in California is approximately $1,678. Nonetheless, prices can vary depending on your location; in particular for smaller cities and towns the average rates might be as low as $839 a year! Moreover, you may want to know that basic liability coverage which meets with all minimum requirements set by state law starts at only $845 a year - this would mean less than sixty dollars each month. Are you curious about how much money could you save? All it takes is entering either the city or zip code in our website search tool...

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