Best Cheap Car Insurance in New Jersey 2020

Fact-checked with

2 min read

In 2016, the average car insurance expenditure for residents of New Jersey was the highest in the country at $1,309 annually, according to the Insurance Information Institute. With such high average rates in New Jersey, it’s especially important to shop around for car insurance.

Those looking for new car insurance usually focus on monthly cost. It’s also important to factor in features such as roadside assistance, how easy it is to file a claim, full coverage vs. liability only, uninsured motorist coverage and more.

New Jersey’s best car insurance companies

According to the Insurance Institute for Highway Safety (IIHS), New Jersey residents were found to be among the safest drivers in the U.S., with 6.9 motor vehicle-related deaths per 100,000 population in 2017. As of 2017, New Jersey had just over 6 million licensed drivers. If you are new to the area or unhappy with your current rates, New Jersey auto insurance comparison has gotten much easier than it was a few years ago.

These companies may offer some of the cheapest New Jersey car insurance rates:

  • Geico – Geico is known for their low car insurance rates across the nation and in New Jersey
  • Progressive – known for their great customer service, Progressive is typically another cheap New Jersey car insurance option.
  • NJM Insurance – serving New Jersey and Pennsylvania, this company has over 850,000 policy holders.
  • Allstate – with its coverage options and discounts, Allstate is a popular choice throughout the nation.

Finding the right cheap car insurance in New Jersey for you

Looking for the right car insurance is never fun. Geico, New Jersey’s cheapest option, is best for good drivers and students due to the multiple discounts available. Those with bad credit fair better with Nationwide, while those unlucky drivers with multiple accidents may want to consider Allstate.

Average car insurance cost in New Jersey

New Jersey drivers are expected to pay around $1,300 a year, but Geico New Jersey clients often can score rates under $1,000 annually by shopping around for discounts. Your rates will vary depending on the car you have, your age and your driving history.

Auto insurance discounts in New Jersey

The best way to score the most discounts is by talking to an agent. People are often surprised by the variety of discounts available. Other popular discounts include good driver discount, anti-theft system discount, and multi-policy discount.

State minimum insurance requirements in New Jersey

Living in the Garden State definitely has its perks. When it comes to auto insurance, the minimum coverage is on par with other states. It includes liability consisting of $15,000 per person for bodily injury damage and $5,000 for property damage. This means that the insurance company will pay up to $15,000 qe a claim quickly.

Frequently asked questions

What is the cheapest car insurance in New Jersey?

Determining the cheapest car insurance for you will take comparing rates from different companies. Geico is often the cheapest option in New Jersey, but your rates could depend on your ZIP code, vehicle, driver history and more.

How do I file a claim?

Each company has their own claim filing protocol. However, the current digital era has made it simple to use your phone to file a claim quickly.

How can I pay less for car insurance?

Asking for the discounts you qualify for is easy when considering New Jersey car insurance rates, but requires you speaking to a representative. Online quotes are limited on the amount of information they can gather, which is why it’s important to always work with an agent who knows the best discounts applicable.