Cheap Car Insurance Quotes New Jersey

By |

Cheap Car Insurance Quotes New Jersey

Cheap Car Insurance Quotes New Jersey

Finding Affordable Car Insurance Quotes in NJ:

As a resident who drives a car in the United States Of America, you must have car insurance especially if you live in the city of New Jersey though it is quite expensive. In New Jersey, you are to pay $ 2,291 for full coverage, surpassing the national average of $2,014 per year for the same coverage.

If you want the cheapest car insurance in New Jersey, you can go for a basic coverage plan called minimum liability-only insurance. This type of insurance is meant to help you financially if you cause an accident. It covers things like the other driver’s medical bills, car repairs, lost wages and property damage.

Several factors influence car insurance prices in New Jersey such as where you live, your driving history and the cost of replacing your car. The good news is that you can still find ways to save some money on your car insurance, whether you live in San Francisco or you live in Los Angeles. This article has examined a lot of car insurance companies in the Golden State and identified the top five that shine in terms of cos, coverage and customer service.

Read About: Cheap Car Insurance Quotes NY

Standard vs. Basic Car Insurance Policies in NJ

There are two common types of New Jersey auto insurance policies: standard and basic. The standard policy (the most popular) provides several coverage options as well as the option to buy additional protection. A basic policy, while cheaper, provides limited benefits.

As a New Jersey driver, you must have an insurance ID card for each vehicle on your policy and be ready to show it in case you:

  • Schedule an NJ vehicle inspection
  • Are involved in an accident
    Are stopped by a police officer

What Is The Best Car Insurance Company In New Jersey

Below are the cheapest car insurance companies in New Jersey:


  • USAA received a score of 870 (out of 1,000) in the J.D. Power 2021 U.S. Auto Insurance Study for the state of New Jersey.


  • This regional carrier scored an 853 on J.D. Power’s 2021 auto study.

CONNECT by American Family Insurance:

  • CONNECT by American Family Insurance rounds out the top three with a score of 839 in J.D. Power’s 2021 survey.

What Is The Minimum Coverage For New Jersey

To drive legally in New Jersey, you need to have at least the following minimum insurance coverage:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $5,000 for property damage per accident

Cheap Car Insurance Minimum Quotes In New Jersey

New Jersey’s minimum liability limits are below the average, so it is strongly advised to consider getting more coverage than the basic requirements. The extremely low limit for property damage liability, in particular, could pose a problem, potentially leaving you responsible for significant amounts in the event of a costly accident where you are at fault.

To begin, check out the average rates provided by insurance companies for minimum coverage. This can give you an idea of which companies might offer the most affordable overall rates. Below are the average annual premiums for different insurance companies:

  • GEICO: $381
  • CSAA: $403
  • USAA: $456
  • Wawanesa: $491
  • Progressive: $530
  • State Farm: $668
  • Allstate: $731

Cheap Car Insurance Quotes For Young Drivers In New Jersey

Due to the higher risk with inexperienced drivers, teenagers pay over three times the national average, about $4,989 on average if they buy their policy. Research revealed that Wawanesa, GEICO, and USAA are the most affordable options for teenagers in New Jersey. Listed below are the average annual premiums for various insurance companies:

  • Wawanesa: $1,857
  • GEICO: $3,358
  • USAA: $3,543
  • State Farm: $3,764
  • Progressive: $4,602
  • Allstate: $4,746
  • CSAA: $5,434

Also Read: Online Truck Insurance Quote

Cheapest Car Insurance for Military Families

  • Active military members, veterans, and their immediate family members can get cheap rates with USAA, but this is not available to the public at large. Since this is limited, there are no state-specific rates for USAA, but this is an option that New Jersey military families can consider.

Cheap Car Insurance Quotes For Poor Credit In New Jersey

  • For drivers with poor credit, the cost of auto insurance may be higher compared to those with better credit. However, the average premium for drivers with poor credit differs among insurance companies. Individuals with less-than-ideal credit should compare rates and find an insurer that provides quality service at the most affordable rates.

Required Auto Coverage in New Jersey

According to the New Jersey Motor Vehicle Commission, all vehicles in NJ must have Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.

  • Bodily Injury Liability Coverage: Minimum coverage level is $25,000 per person and $50,000 per accident
  • Property Damage Liability Coverage: Minimum coverage level is $25,000 per accident
  • Personal Injury Protection (PIP): Minimum coverage level is $15,000
  • Uninsured/Underinsured Motorist Bodily Injury Coverage: Minimum coverage level is $25,000 per person and $50,000 per accident
  • Uninsured/Underinsured Motorist Property Damage Coverage: Minimum coverage level is $25,000 per accident with a $500 deductible

Finding affordable car insurance in New Jersey is about thinking about different things like what kind of coverage you need, your own situation, and what different insurance companies offer. The state has specific rules and different driving conditions, which can make insurance decisions a bit complicated. But, there are chances to find insurance that fits your budget. You can do this by looking at quotes from different companies and choosing one that not only covers what you need but also fits your budget. Visit the official Site Of GEICO for more details

Other Posts:

Leave a Reply

Your email address will not be published. Required fields are marked *