Top New Jersey Car Insurance Quotes
Cheap Car Insurance in the Garden State
Who doesn’t love Jersey? We sure do. New Jersey has over 6 million licensed drivers on the road at any one time. Whether we’re talking about Atlantic City or Egg Harbor, in New Jersey or somewhere along the Turnpike, getting the best possible coverage in the state of New Jersey will help you and your family stay safe on the road.
So many things can cause an accident out there these days. There’s always distracted driving, looking around, not paying attention, or even drunk or impaired drivers on the road, so making sure you have the best possible insurance protection in New Jersey matters for you and your family.
Here at Insurance Geek, we can help you find a variety of quotes that will get you on the road safely and securely and will get you and your family the protection you deserve. You can get the cheapest car insurance in New Jersey by comparing free quotes on this page.
Also, below, you will find info on any terms in the insurance lingo you need to know before you obtain auto insurance in New Jersey
New Jersey Car Insurance Minimum Required Coverage
Every state in the United States has some type of minimum insurance requirement, even though this is not what we consider full coverage, and you’ll probably need more than that. But this is enough to get you on the road.
For car insurance in New Jersey, you’re required to have the following insurance minimums:
BI body injury liability: $15,000 a person, $30,000 an accident minimum coverage
If you injure someone else in an accident, whether that injury is serious or not, you may be found liable to pay for the medical expenses. This part of your policy covers that cost in the event of an auto accident.
Property damage protection: $5,000 per accident minimum coverage
If you get into an accident with someone and you damage their property, including damaging a car, you will be liable to pay for the expenses. This damage protection allows you to replace all or part of the car or any other damage if this is the situation. However, $5,000 is nowhere near enough in case of a serious matter. Imagine getting into a crash with a Tesla; $5k wouldn’t be enough for anything. That’s why it’s recommended that drivers in NJ consider getting up to $100k for this part of their auto policy.
Uninsured or Underinsured Coverage minimum coverage
Not every state requires this coverage, but New Jersey happens to be one of the states that do. If a person hits you and happens to not have enough insurance coverage or none at all, this part of your policy will help protect you.
How Much Will I Pay for Auto Insurance in New Jersey?
You should expect to pay about $1,450 for an average premium in the state of New Jersey.
However, drivers should be aware that their particular cost of New Jersey auto insurance will depend on many more factors. Here’s the rundown of the most important ones:
Age Groups
Young drivers will get a higher premium compared to the rest of the New Jersey drivers. The reason is that they aren’t considered to have enough driving experience under their belt. This also applies to those drivers in NJ who have obtained their driver’s license recently, regardless of their age.
Driving History
Good drivers get the cheapest car insurance on average. This means that they weren’t subject to recent accidents or citations such as speeding tickets. Insurance companies love to reward good driving, as it is a sign that these drivers are less likely to file frequent claims.
Credit Score
Companies also value your credit rating when determining the price of auto insurance in New Jersey. This factor shows them how responsible you are with your payments, and a poor credit score could point that you are not so punctual, so they might give you a higher premium. However, even if you have a poor credit score, fret not – when you use our calculator to compare the quotes, you’ll definitely be able to find lower rates from multiple companies.
Your Vehicle
What vehicle you own will also significantly influence the price you’d pay. The year, make, model, and mileage – even the color of your vehicle – all matter.
Location
If you live near a metro area, you can expect a higher price of NJ auto insurance because it’s associated with driving in dense traffic and more incidents.
We write auto insurance for all cities in New Jersey, including:
- Atlantic City
- Jersey City
- Peterson
- Elizabeth
- Camden
- Toms River
- Clifton
- New Ark
- Trenton
- Egg Harbor
- West Orange
- Asbury Park
Insurance Company
Insurance companies offer different insurance rates and quotes, and some are more affordable on average than others. We are partnered with the most affordable companies on the market, and we can obtain free quotes from them if you fill in the tool on this page.
Discounts
Auto owners who are getting car insurance in New Jersey can always save money on their insurance rates and qualify for discounts.
One of the primary ways of obtaining a discount is to bundle policies (e.g., home and life or renters insurance or insuring multiple vehicles in the same household). Good drivers, students, and veterans can also obtain one.
Savings vary by carrier, so we communicate with the ones who offer the best discounts, even if you have a poor credit rating or other complicating factors.
Get Cheapest New Jersey Car Insurance Quotes
It can’t be denied that it’s difficult to figure out the amount of the premium you will pay. At Insurance Geek, we’ve found an easy way for you to get an estimate for your car insurance policy in New Jersey. Not only that, but we allow you to compare the offer from multiple insurance carriers, including Nationwide and Safeco.
What you need to do to get free quotes and find cheap car insurance is to enter some basic info about yourself and your vehicle in our quote calculator.
Our service is safe and efficient, so we will contact the insurance companies immediately to allow you to compare quotes.
Also, you can rest assured that there will be no follow-up calls or spam because we only use your info for the purpose of providing drivers with the best New Jersey auto insurance quotes.
You can use our service to connect with one of the Insurance Geek agents who will guide you through the whole shopping process if you wish to continue getting car insurance with us.
Can I Get a Discount?
Yes, there are many available discounts.
Auto insurance companies love giving you opportunities for savings if you bundle different insurance lines, pay for your policy in advance in full, if you have a safe driving record or a low number of tickets or accidents over the years, have a car with low mileage, or any other type of situation that proves you will be a good customer with a very low chance of getting into an accident or having some type of liability.
What Does Coverage Auto Insurance in New Jersey Include?
The basic policy coverage options are the minimum requirements that will grant you permission to be on the road in the state.
Still, additional protection is highly recommended.
You might also see these other types of coverage on your policy:
Medical liability or PIP, personal injury protection:
What is Personal Injury Protection (PIP)? Well, let’s say that you and a passenger in your car are injured in an accident. Personal Injury Protection can cover you, either on top of or in lieu of your existing health insurance policy, or that of your passengers. It can also cover the lost wages. Since New Jersey is a no-fault state, drivers are advised to have PIP in addition to their BI coverage.
Collision coverage
Collision counts as anything you run into other than a car, such as a deer, live animal, or if you anticipate other things that can happen. We can talk about collision coverage when we put your policy together. If you hit a curb, hit a pothole, or hit another car, whether it is moving or parked, collision insurance can help cover expenses. Even though collision isn’t obligatory, it’s one of the most frequent claims that we witness, and it should be part of your full coverage.
Comprehensive coverage
You may be familiar with comprehensive if you’ve ever shattered your windshield or had to pay for a crack that got out of hand. Comprehensive coverage is everything else coverage, including working with dings or full-body damage when there is a hailstorm, theft, to other types of minor damage to your car. Just like collision, comprehensive accounts for a significant part of insurance claims, so drivers should include comprehensive in their policy, too.
Underinsured or uninsured motorist insurance
If you find yourself in a crash with a person who doesn’t have liability insurance or an insured person who does not have enough to pay for your expenses and they are at fault, this part of your policy will kick in.
Bodily injury (BI) liability coverage
Bodily injury is part of the minimum coverage of a car insurance policy in New Jersey, and it reimburses the medical bills for the other party in an at-fault incident.
Property damage liability insurance
Property damage insurance is part of the standard policy with minimum coverages, and it accounts for damage to another person’s vehicle in an at-fault crash.
How Much Auto Insurance Coverage in New Jersey Should I Get?
Your basic policy needs to have the minimum coverage amounts specified above. However, full coverage policies include more protection, and you’ll certainly need higher limits than the minimums if you want to feel safe under any circumstances.
So, although we stated the minimum recommended insurance amounts for the state of New Jersey above, we recommend following the 100 300 100 formula. This means $100,000 for BI, $300,000 max per accident and $100,000 for personal property coverage. These amounts will typically get you more than enough insurance to make sure to protect your and someone else’s personal property and vehicle as well as deal with any liability during an accident.
FAQ: New Jersey Car Insurance
Q: What car insurance companies have the cheapest car insurance in New Jersey?
A: On average, the cheapest insurers in New Jersey are Nationwide and Safeco. These two carriers have the most affordable insurance rates and impeccable service with many opportunities for discounts.
Q: How much does car insurance cost in New Jersey?
A: The annual premium average is $1,450, but this is definitely subject to change. So much goes into what determines premium rates in the state of New Jersey. Some factors include the age of the driver, whether or not the driver has been in an accident or received a ticket recently, how clean the driver’s driving record is, whether or not the driver has participated in a defensive driving course, their vehicle, etc. All of these things can get you a lower premium if you do them correctly, so make sure to talk to us about your options so we can give you some solutions to keep those costs low.
Calculate New Jersey Auto Insurance Rates
Our New Jersey drivers know how easy it is to use our service and get a quote from us. All you have to do is fill out our free and simple form just one time, and Insurance Geek will come back to you with a variety of quotes from the different carriers we work with.
We work with all different types of carriers and were very familiar with their auto insurance policies and what you’re looking at, so we can get you the right average quote for your family based on your specific situation. No hassles, no pain, no frustration, just the best auto insurance rates for you and your family in New Jersey today.
Know you need an NJ auto policy, but you are not quite sure what you need?
That’s what we’re here for. We help families in New Jersey get the best possible rate, and if you’re looking for a discount, if you had previous claims or you’re just not sure where to start, we can help you get through all the red tape necessary to get the best policy for your situation.
Let’s talk about how Insurance Geek can help you find the best policy for you and your family today. We love making insurance work for our customers, and we can help you!