Best Car Insurance in New Jersey for 2025

Although New Jersey isn't generally considered as expensive as its neighbor, New York, the cost of living, including auto insurance, can be higher than expected. The average cost of car insurance in the Garden State is $217 per month for full coverage and $157 per month for the state's minimum coverage, compared to the national average of $193.

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Key takeaways

The best car insurance in New Jersey is State Farm by customer satisfaction ranking, which costs $392 per month for full coverage.
Drivers in New Jersey with a clean driving record pay an average of $217 per month for full coverage.
The average insurance cost for high-risk drivers in New Jersey is $256 per month.

Best car insurance companies in New Jersey

The best car insurance in New Jersey varies based on the type of coverage you need. State Farm is the highest-rated insurance company in New Jersey, but it's not necessarily the cheapest. GEICO has the lowest cost, but it also has one of the lowest customer service scores.

Provider	J.D. Power customer satisfaction rating	Estimated monthly full coverage	Estimated monthly minimum liability coverage
State Farm	843/1,000	$392	$353
Allstate	825/1,000
GEICO	818/1,000	$268	$236
Progressive	814/1,000	$353	$236

State Farm: Highest customer satisfaction

State Farm earned the highest customer satisfaction rating in New Jersey, earning 843 out of 1,000. While State Farm's average cost of $392 per month for full coverage insurance is on the lower end, you may still pay more based on your driving record and other factors.

Pros

State Farm has multiple coverage options, including specialty policies like travel expenses and rideshare coverage
Has agents and offices throughout New Jersey

Cons

It doesn't offer some specialty policies like traditional gap insurance
It has above-average costs for New Jersey minimum coverage

Get a quote now | State Farm review

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Drivers who switch their auto insurance and save with State Farm save $764 on average!

Allstate: Best for lowest deductible

Although Allstate has some of the most expensive coverage in New Jersey, its vanishing deductible program and other discount options may help you save some money on your car insurance. Drivers can save $100 a year up to $500 on their deductible for every year they don't have an accident.

Pros

Offers multiple policy options, including vehicle protection plans and theft deterrents
Allstate earned the second-highest customer satisfaction score in New Jersey

Cons

Allstate's minimum coverage options may be more expensive than some competitors
Discounts and policies may only be available in some areas

Get a quote now | Allstate review

GEICO: Most affordable coverage

GEICO is the lowest-cost option for full and minimum insurance coverage in New Jersey. Drivers who use GEICO will pay an average of $268 per month for full coverage and $236 for minimum coverage, well below the state average. It has a good mix of coverage and discounts but limited access to agents in New Jersey.

Pros

The lowest cost available of the companies we surveyed in New Jersey
It has multiple discount options, including new vehicles and multi-policy

Cons

GEICO may not offer some policies like rideshare or gap insurance
It has limited agents in New Jersey compared to some competitors

Get a quote now | GEICO review

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Progressive: Best for senior discounts

Senior drivers in their 60s in New Jersey pay an average of $173 per month and may see their costs increase as they age. Although Progressive is the second most expensive carrier in the Garden State, it can be helpful for senior drivers because of the discounts offered. It may provide lower rates than some competitors.

Pros

Progressive may offer discounts for seniors who complete state-approved driving courses
It has multiple insurance agents in New Jersey

Cons

A more expensive option compared to other New Jersey providers
Progressive only has average customer service ratings in New Jersey

Get a quote now | Progressive review

New Jersey auto insurance requirements

Nearly all states require drivers to maintain a basic amount of coverage. In New Jersey, the minimum requirements are:

$5,000 property damage liability per accident
$15,000 Personal Injury Protection (PIP) per accident minimum (up to $250,000 for permanent or significant brain or spinal cord injuries)

How to choose a car insurance provider in New Jersey

Finding the right insurance in New Jersey depends on your insurance provider. To find the best provider with the best pricing, consider the following:

Check financial stability: Before starting a policy with any insurance company, check its overall financial stability on a website like Standard & Poor's or AM Best. It's also wise to check with the New Jersey Department of Banking & Insurance to confirm a company is licensed.
Ask for reviews: Ask people you trust for recommendations and read online reviews to get a feel for how a company handles claims. Check with the Better Business Bureau and Trustpilot to see what existing customers say.
Check pricing and discounts: Get quotes from at least three companies to compare pricing and discount structures. Ensure the policy amounts and coverage options are similar to compare.

How much does car insurance cost in New Jersey?

New Jersey generally has higher costs than other parts of the country. The average cost of car insurance in New Jersey is $217 per month for full coverage or $157 for minimum coverage.

New Jersey car insurance rates by city

People who live in dense urban areas with higher crime rates are more likely to pay more for their auto insurance. Newark, the city with the largest population in New Jersey, earned a low 24 out of 100 on NeighborhoodScout's crime index, and residents pay an average of $315 per month for car insurance.

City	Avg. monthly full coverage premium
East Orange	$315
Jersey City	$237
Newark	$315
Irvington	$324
Trenton	$260

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in New Jersey

What are the minimum car insurance coverage requirements in New Jersey?

The minimum car insurance requirements in New Jersey are $5,000 for property damage liability per accident and $15,000 for Personal Injury Protection (PIP) per accident minimum. Drivers must also maintain up to $250,000 PIP protection for significant injuries sustained in an accident.

How much does car insurance cost in New Jersey?

The cost of car insurance in New Jersey varies, but it averages $217 per month for full coverage and $157 per month for the state's minimum insurance.

Which car insurance companies cover New Jersey?

Several national and regional car insurance companies cover New Jersey, including Allstate, State Farm, Progressive, and GEICO.

Data throughout provided by Insurify.

Save On Your Auto Insurance

You could save up to $600 with some companies.
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Author Details

Kate Daugherty

Kate Daugherty is a writer for FinanceBuzz with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.