Home Car insurance Car insurance rates by state Low-cost car insurance in New Jersey Low-cost car insurance in New Jersey Based on our analysis, NJM has the most affordable car insurance rates in New Jersey. 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: September 23, 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. NJM provides the lowest car insurance rates in New Jersey at $1,318 a year. The average premium is $159 per month in New Jersey, though your actual rate may vary. Car insurance requirements differ by state. In New Jersey, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.Below, you’ll find which insurance companies are the most affordable for different categories. Key Takeaways NJM has the cheapest average premium in New Jersey, coming in at $1,318 per year – about 31% compared to the state average.For drivers with an at-fault accident on their record, NJM offers the lowest rates, with annual costs averaging $1,430.The 8730 ZIP code is the least expensive area in New Jersey for car insurance, with an average yearly premium of $1,602. Low-cost car insurance businesses in New JerseyWhen comparing insurers in New Jersey, NJM leads the pack with an annual average of $1,318. That’s 31% less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.Here are the annual averages from the most affordable insurance companies in New Jersey.CompanyAverage annual ratesNJM$1,318GEICO$1,563Travelers$1,706Plymouth Rock Assurance$1,737Selective Insurance$1,908State Farm$2,153Progressive$2,187Farmers$2,254Allstate$2,294Powered by:How we choose low-cost car insurance companies in New Jersey 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in New JerseyDrivers in 8730 benefit from the lowest average premium in the state, at $1,602 per year. See the table below to find other ZIP codes in New Jersey where insurance tends to be cheaper.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$1,633Powered by: You might find interesting Average car insurance cost in New JerseyCar insurance calculator for teens in New JerseyCheapest SR-22 insurance in New JerseyDo you need insurance to register a car in New Jersey?How much car insurance costs in New Jersey vs. New YorkHow much car insurance costs in New Jersey vs. PennsylvaniaHow much is gap insurance in New JerseyNew Jersey car insurance calculatorNon-owner auto insurance in New Jersey: Which company has the cheapest rates?The best, cheapest car insurance in New JerseyShow more Auto 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 CityNewarkPaterson Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Low-cost 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. For example, our data shows that a 16-year-old driver pays $6,895 more than a 40-year-old driver in New Jersey.The table below shows low-cost 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)$1,970Powered by:Low-cost car insurance in New Jersey by driver historyYour driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.Low-cost car insurance after a speeding ticket in New JerseyJust one speeding ticket in New Jersey can raise your rates by 56% – $1,056 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.CompanyAverage annual premiumNew rate after accident% Increase$ 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%$2,242Powered by:Low-cost car insurance after an accident in New JerseyBeing at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. NJM is the lowest-cost option for these drivers, with an average annual premium of $1,430.If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.CompanyAverage annual premiumNew rate after accident% Increase$ 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%$2,875Powered by:Low-cost car insurance after a DUI in New JerseyA DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in New Jersey are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ 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%Powered by:Average cost of car insurance New JerseyFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.The average cost of full coverage car insurance in New Jersey is $7 more than the national average car insurance rates in the U.S.We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.What is full coverage car insurance?Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.If you lease or finance your vehicle in New Jersey, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.The bottom line on saving and staying protectedIt’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance 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 violations 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. Shivani 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.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance businesses in New JerseyHow we choose low-cost car insurance companies in New JerseyZIP codes with the cheapest car insurance in New JerseyLow-cost car insurance in New Jersey by ageLow-cost car insurance in New Jersey by driver historyAverage cost of car insurance New JerseyWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330