Home Car insurance Car insurance rates by state Cheapest car insurance in New Jersey Cheapest car insurance in New Jersey NJM offers the cheapest car insurance rates in New Jersey, based on Insure.com's analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 22, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. According to Insure.com’s analysis, NJM has the cheapest car insurance rates for most drivers in New Jersey at $1,318 annually. However, your rates may be higher or lower based on personal factors such as your driving record, ZIP code and vehicle type.To comply with New Jersey’s car insurance laws, drivers must carry at least the minimum liability coverage required. It consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. However, many vehicle owners prefer to invest in full-coverage car insurance for better coverage and added protection.Here’s a breakdown of the cheapest car insurance company in each category. Cheapest overall: NJM $1,318/year National avg. rate Cheapest for at-fault accident: NJM $1,430/year Avg. rate after an at-fault accident Cheapest for speeding ticket: NJM $1,732/year Avg. rate after speeding ticket Key Takeaways NJM offers New Jersey drivers the cheapest car insurance rate at $1,318 annually, which is around 31% lower than the state’s average cost.In New Jersey, you can find the cheapest car insurance from NJM at an annual cost of $1,430, even if you have a history of at-fault accidents.Based on Insure.com’s analysis, the 8730 ZIP code has the cheapest car insurance rates for New Jersey drivers, with an average cost of $1,602 a year. Cheap car insurance companies in New JerseyNJM offers the cheapest car insurance in New Jersey, with an average price of $1,318 per year. It’s 31% less expensive than the average car insurance cost in New Jersey. The rates will vary based on factors such as your driving history, age, ZIP code, and the make and model of your car.When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.Below are the annual rates for car insurance from the cheapest car insurance companies.CompanyAverage annual ratesNJM$1,318GEICO$1,563Travelers$1,706Plymouth Rock Assurance$1,737Selective Insurance$1,908State Farm$2,153Progressive$2,187Farmers$2,254Allstate$2,294 How we choose the cheapest car insurance companies in New Jersey 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in New JerseyIn New Jersey, the 8730 ZIP code has the most affordable car insurance rates at $1,602. The table below shows the cheapest ZIP codes for car insurance rates.ZIP codeCityAverage annual rates8730Brielle$1,6028736Manasquan$1,6028738Mantoloking$1,6028739Normandy Beach$1,6028742Point Pleasant$1,6028750Sea Girt$1,6027719Belmar$1,6097762Spring Lake Heights$1,6188720Allenwood$1,6217717Avon-by-the-Sea$1,633Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in New Jersey by cityCliftonElizabethJersey CityNewarkPatersonCheapest car insurance in New Jersey by ageTeen drivers in New Jersey pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $6,895 more than a 40-year-old driver in New Jersey, based on Insure.com’s analysis.The table below shows the cheapest car insurance rates for drivers of different ages:Age groupFull coverage annual premiumsTeens (16-19)$6,557Young Adults (20-24)$3,064Adults (25-60)$1,897Seniors (65-75)$1,970 You might find interesting The best, cheapest car insurance in New JerseyNew Jersey car insurance calculatorNon-owner auto insurance in New Jersey: Which company has the cheapest rates?Cheapest SR-22 insurance in New Jersey Cheapest car insurance in New Jersey by driver historyYour driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.Cheapest car insurance after a speeding ticket in New JerseyHere are the top three companies that offer cheap car insurance after a speeding ticket:NJM: $1,732 per yearPlymouth Rock Assurance: $2,201 per yearTravelers: $2,486 per yearAccording to Insure.com data, a single speeding ticket can increase your rates by 56% or $1,056 in New Jersey.Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in New Jersey, below are some insurers that offer cheap car insurance after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseNJM$1,318$1,73231%$414Plymouth Rock Assurance$1,737$2,20127%$464Travelers$1,706$2,48646%$780Progressive$2,187$2,96035%$773Allstate$2,294$3,26442%$970Farmers$2,254$3,86371%$1,609State Farm$2,153$4,395104%$2,242 Cheapest car insurance after an accident in New JerseyHere are the top three insurers that provide cheap car insurance rates following an accident.NJM: $1,430 per yearGEICO: $2,197 per yearPlymouth Rock Assurance: $2,573 per yearNJM offers the cheapest car insurance rates for drivers following an at-fault accident, with an average car insurance cost of $1,430 annually.If you’re found at fault, your insurance premiums may go up. However, you can still compare car insurance rates from different insurers to get the best deal.Below are the companies offering the most affordable car insurance for drivers with an accident on your driving record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseNJM$1,318$1,4308%$112GEICO$1,563$2,19741%$634Plymouth Rock Assurance$1,737$2,57348%$836Travelers$1,706$2,89270%$1,186State Farm$2,153$3,58667%$1,433Progressive$2,187$3,73071%$1,543Farmers$2,254$4,984121%$2,730Allstate$2,294$5,169125%$2,875 Cheapest car insurance after a DUI conviction in New JerseyHere are the top three insurers that provide affordable car insurance rates after a DUI conviction.NJM: $1,732 per yearPlymouth Rock Assurance: $2,141 per yearProgressive: $2,654 per yearA DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseNJM$1,318$1,732$41431%Plymouth Rock Assurance$1,737$2,141$40423%Progressive$2,187$2,654$46721%Travelers$1,706$2,738$1,03260%GEICO$1,563$3,171$1,608103%Allstate$2,294$3,439$1,14550%Farmers$2,254$4,399$2,14595%State Farm$2,153$8,623$6,470301% Average car insurance cost in New JerseyFull coverage insurance typically costs more than minimum liability insurance, but for most drivers, the additional expense is worthwhile. On average, full coverage car insurance in New Jersey is $7 more than the national average.Full coverage limits vary, but getting a policy with limits of 100/300/100 is recommended for added protection.What is full coverage car insurance in New Jersey?Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.In New Jersey, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.Final thoughtsWhen it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to get the cheapest coverage in New Jersey.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in New Jersey. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in New JerseyHow we choose the cheapest car insurance companies in New JerseyCheapest ZIP codes for car insurance in New JerseyCheapest car insurance in New Jersey by ageCheapest car insurance in New Jersey by driver historyAverage car insurance cost in New JerseyFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330