Cheap car insurance in New Jersey for 2025

Bankrate's insurance editorial experts identified Geico, State Farm, Travelers, NJM and Selective as the top five car insurance carriers in New Jersey, based on an analysis of average premiums along with customer satisfaction, coverage offerings, extra perks and other features. That said, every driver's insurance needs are different — the best fit for most people may not be the best fit for you. Take cost, service, digital tools, agent availability and other factors into account when trying to choose an insurance provider.

On average, full coverage car insurance costs $271 per month for drivers in New Jersey, while state minimum coverage costs just $118 per month. However, your rates may look different based on your ZIP code, age, driving record, vehicle and other factors.

To find cheap car insurance in New Jersey, start by requesting quotes from at least three to five providers. Comparison shopping can help you narrow down the carrier whose rating algorithms are the best fit for your risk profile. When shopping, take the time to ask about discounts that could lower your overall premium. Working with a broker or independent agent can make this shopping process more efficient.

In the long term, maintaining defensive driving habits, finding ways to limit your annual mileage and avoiding traffic infractions can help to keep your New Jersey car insurance affordable.

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. 

Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.

Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.

Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.