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When you compare New Jersey's most affordable car insurance options, CSAA, NJM, and Mercury consistently offer competitive rates.
It's no secret that New Jersey's auto insurance rates are on the high side. Full-coverage policies in the state average $252 each month compared to $186 nationally. Your personal premium is determined by a number of factors, from how old you are to where you live and drive. To identify your best rate, comparing quotes from several insurers is well worth the effort.
Explore New Jersey's most cost-effective car insurance options across coverage types, driver categories, and insurance providers.
Affordable full-coverage car insurance in New Jersey
New Jersey drivers pay $252 per month, on average, for full-coverage insurance, compared to the $186 national average. Among the state's cheapest car insurance providers, CSAA (an AAA insurer), NJM, Mercury, and GEICO stand out.
| Average monthly full coverage cost | |
| New Jersey average | $252 |
| National average | $186 |
| CSAA | $190 |
| NJM | $179 |
| Mercury | $248 |
| GEICO | $289 |
Affordable liability-only car insurance in New Jersey
If you live in New Jersey and want to find the most affordable liability car insurance providers, CSAA, Bristol West, and NJM are strong options.
Liability-only coverage in New Jersey runs $171 per month on average, compared to the $104 national monthly average.
| Average monthly liability-only cost | |
| New Jersey average | $171 |
| National average | $104 |
| CSAA | $95 |
| Bristol West | $152 |
| NJM | $161 |
| Mercury | $194 |
Cheap car insurance in New Jersey by age
Age significantly impacts insurance costs not just in New Jersey but everywhere. Car insurance for teens almost always commands the highest premiums, averaging $349 monthly in New Jersey. These drivers pay more because they've driven less and are seen as riskier.
Premiums tend to dip as drivers go from their teens to their twenties, averaging $284 monthly. In their thirties and forties, drivers may see further reductions, with costs around $256 and $275 monthly, respectively.
Costs can climb again for older drivers. In New Jersey, seniors average $218 monthly in their sixties and $191 in their seventies.
These cost differences across age brackets stem from how insurers assess accident risk, penalizing inexperienced drivers while occasionally raising rates for seniors based on potential physical and cognitive factors.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $349 | $237 |
| 20s | $284 | $193 |
| 30s | $256 | $174 |
| 40s | $275 | $187 |
| 50s | $253 | $172 |
| 60s | $218 | $148 |
| 70s | $191 | $130 |
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Cheap Car Insurance in New Jersey for high-risk drivers
Moving violations or accidents on your record typically lead to higher premiums. Below are New Jersey's average premiums for drivers with accidents, speeding tickets, or DUIs, showing car insurance costs if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $299 | $203 |
| Speeding ticket | $338 | $229 |
| DUI | $406 | $275 |
Compare low-cost car insurance after an accident
New Jersey drivers with accident histories may find lower prices through CSAA, NJM, and Mercury. Full-coverage premiums for drivers with accidents average $299 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| CSAA | $251 | $125 |
| NJM | $226 | $204 |
| Mercury | $346 | $271 |
Average rate:
Compare low-cost car insurance after a speeding ticket
New Jersey motorists with speeding violations can find competitive rates from CSAA, NJM, and Mercury. For those with speeding tickets, full coverage averages $338 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| CSAA | $244 | $122 |
| NJM | $255 | $229 |
| Mercury | $356 | $279 |
Compare low-cost car insurance after a DUI conviction
If you've had a DUI conviction in New Jersey, CSAA, NJM, and Mercury compete for relatively affordable full coverage. Drivers with DUIs face average rates of $406.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| CSAA | $291 | $145 |
| NJM | $279 | $251 |
| Mercury | $394 | $309 |
Cheap Car Insurance in New Jersey by credit score
New Jersey drivers with excellent credit average $200 per month. On the flip side, drivers with poor credit pay substantially higher premiums, averaging $300 per month.
This rate disparity stems from how credit scores influence insurance pricing, with lower credit scores typically resulting in steeper premiums based on perceived risk of non-payment.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $200 | $135 |
| Good | $236 | $160 |
| Average | $276 | $187 |
| Poor | $300 | $204 |
FAQs
What are New Jersey's minimum car insurance requirements?
New Jersey drivers must carry $25,000 bodily injury liability per person, $50,000 per accident, $25,000 property damage liability, and $15,000 personal injury protection (PIP) coverage. While PIP isn't required by every state, the liability minimums are standard.
These requirements will increase in January 2026 to $35,000 per person and $70,000 per accident for bodily injury liability.
How does New Jersey's choice no-fault system work?
New Jersey is a choice-no-fault state, allowing drivers to choose between limited tort policies with lower premiums or standard tort policies with the right to sue for pain and suffering after an accident. "Tort" refers to the right to recover damages from an at-fault party.
All drivers must carry personal injury protection that covers their medical expenses regardless of fault, but they can choose limited tort policies to reduce premiums by agreeing not to sue for pain and suffering except in cases of serious injury. Choosing unlimited tort allows drivers to sue for non-economic damages, but it typically costs much more than limited tort coverage.
What is New Jersey's Special Automobile Insurance Policy?
New Jersey offers the Special Automobile Insurance Policy (SAIP), commonly called dollar-a-day insurance, for low-income residents enrolled in federal Medicaid with hospitalization benefits. It costs $365 per year if you split your payments into two installments, $360 if you pay it as one lump sum.
This program provides some medical coverage, but it doesn't meet standard minimum coverage requirements or offer liability or property damage protection. This policy should be considered a last resort as policyholders face significant financial risk if they cause accidents, with potential lawsuits for damages exceeding the limited coverage.
Bottom line
These companies are among New Jersey's cheapest options overall, but they may not necessarily offer you the lowest individual rate. Get personalized quotes from a handful of providers and compare these on both price and service quality to save the most money on car insurance.
Data throughout provided by Insurify.
Average rate:
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