Cheap Car Insurance in New Jersey
It is mandatory to get car insurance in New Jersey for drivers to drive legally in the state. Different companies in New Jersey provide car insurance at different rates. In New Jersey, car insurance companies calculate car insurance cost on the basis of different factors. The average auto insurance premiums in New Jersey may be around $1597 per year. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in New Jersey:
| Name of the Company | Average annual car insurance premiums |
| Travelers | $1173 |
| GEICO | $1358 |
| Cal Casualty | $1470 |
| New Jersey Manufacturers | $1563 |
| State Farm | $1765 |
| Penn National | $1780 |
| MetLife | $1976 |
| Progressive | $2008 |
| Mercury | $2337 |
| Esurance | $2448 |
| Allstate | $2660 |
| Encompass | $2710 |
| Metropolitan | $2927 |
| Hanover | $5199 |
Cheap car insurance in New Jersey for good drivers
Car insurance companies may charge high car insurance premiums from drivers in New Jersey with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in New Jersey provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in New Jersey by maintaining a good driving record. Most auto insurance companies in New Jersey provide a 5-10% good driver discount to those having a good driving history without violations.
- Drivers with no traffic ticket may save $597 on car insurance premiums in New Jersey.
- Drivers may save $780 on car insurance premiums if they have an accident-free record in New Jersey.
- By maintaining a good credit history you may save $1328 on car insurance premiums in New Jersey.
Cheap car insurance for inexperienced drivers in New Jersey
Most auto insurance providers may charge high auto insurance premiums in New Jersey from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers. Auto insurance premiums in New Jersey vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in New Jersey.
Affordable auto insurance in New Jersey for high-risk drivers
Car insurance companies in New Jersey charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in New Jersey can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in New Jersey may get discounts on car insurance policies.
Average auto insurance premiums in New Jersey by Marital Status
In New Jersey, married drivers may save $76 on car insurance policy. Most car insurance companies in New Jersey charge higher car insurance premiums from single drivers than married drivers.
| Marital Status | Average annual car insurance premiums |
| Single | $1597 |
| Married | $1527 |
| Divorced | $1597 |
| Widowed | $1585 |
Average car insurance premiums by credit score in New Jersey
Car insurance companies in New Jersey consider the credit score of the driver to decide the car insurance policy cost. Car insurance providers in New Jersey provide car insurance policies at cheaper rates to those drivers who have a good credit record than those who have bad credit records because drivers with good credit scores are less likely to file claims.
| Credit level | Average annual insurance premiums |
| Very poor | $3550 |
| Fair | $2790 |
| Good | $2227 |
| Very good | $1705 |
| Exceptional | $1338 |
Best car insurance companies in New Jersey
Car insurance prices in New Jersey may vary from company to company. Some companies in New Jersey charge lower car insurance premiums than others. To get the best auto insurance policy in New Jersey you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in New Jersey by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in New Jersey:
- Allstate
- Amica
- Cal Casualty
- Esurance
- GEICO
- Hanover
- Liberty Mutual
- MetLife
- Penn National
- Progressive
- State Farm
- The Hartford
- Travelers
- USAA
- 21st Century
What auto insurance coverage is mandatory to purchase for drivers in New Jersey?
The average annual cost to get the minimum required coverage in New Jersey may around $825. The minimum required coverage for drivers in New Jersey to drive legally in the state is:
| Coverage type | Coverage limit |
| Bodily injury coverage per person | $15000 |
| Bodily injury per accident | $30000 |
| Property damage per accident | $5000 |
The state minimum auto insurance requirements in New Jersey
The state minimum auto insurance coverage requirement in New Jersey is liability coverage.
- $15000 bodily injury coverage per person is required in Massachusetts.
- $30000 bodily injury coverage per accident is required in Massachusetts.
- $5000 property damage coverage per accident is required in Massachusetts.
Other types of optional coverages in New Jersey are:
- Comprehensive
- Collision
- Roadside Assistance
- Rental Car Reimbursement
- Additional PIP
- Extended Medical Benefits
- Funeral Expense Coverage
- Death Benefit Coverage
Fine for driving without car insurance in New Jersey
If anyone caught driving without a car insurance policy in New Jersey then police may charge a fine.
Car insurance prices by cities in New Jersey
Car insurance premiums in New Jersey may vary from city to city. In some cities of New Jersey, car insurance prices are high compared to others.
| City | Average annual insurance premiums |
| Newark | $2415 |
| East Orange | $2360 |
| Paterson | $2344 |
| Passaic | $2344 |
| Elizabeth | $2287 |
| Union City | $2215 |
| Camden | $2165 |
| Atlantic City | $2153 |
| Perth Amboy | $2087 |
| Linden | $2079 |
| Fort Lee | $2056 |
| Kearny | $2044 |
| Clifton | $2022 |
| Jersey City | $2010 |
| Hoboken | $2000 |
| Hackensack | $1952 |
| Bayonne | $1865 |
| Trenton | $1852 |
| New Brunswick | $1720 |
| Lakewood | $1716 |
| Sayreville | $1635 |
| Vineland | $1625 |
| Toms River | $1480 |
If you are looking for a car insurance deal in New Jersey, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.
