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Cheapest Car Insurance in New Jersey (2025)
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Content was accurate at the time of publication.
Best cheap car insurance in New Jersey
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Find the Cheapest Car Insurance Quotes in New Jersey
Best full-coverage car insurance in New Jersey: Geico
New Jersey drivers get the cheapest full-coverage car insurance with Geico at $1,163 a year, or $97 a month. NJM is the second-cheapest company for full coverage at $156 a year.
One of the reasons Geico is able to offer the cheapest full-coverage car insurance Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. in New Jersey is its wide range of discounts. Geico offers 16 different discounts that can lower your rate.
Cheapest companies for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Geico | $1,163 |  |
 | NJM | $1,877 |  |
 | Progressive | $1,981 | |
 | Plymouth Rock | $2,010 |  |
 | State Farm | $2,656 | |
 | Allstate | $2,782 |  |
 | Travelers | $3,258 | |
 | Farmers | $3,346 | |
New Jersey’s cheapest liability car insurance: Geico
At $500 a year, or $42 a month, Geico has the cheapest liability-only car insurance rate in New Jersey. Plymouth Rock is next at $65 a month.
New Jersey drivers are required by law to carry at least a minimum amount of liability car insurance, which covers the medical and repair bills of others after you cause an accident.
Cheapest companies for minimum coverage
| Company | Annual rate |
|---|---|
| Geico | $500 |
| Plymouth Rock | $777 |
| NJM | $1,034 |
| Progressive | $1,038 |
| Travelers | $1,371 |
| Allstate | $1,526 |
| State Farm | $1,708 |
| Farmers | $2,177 |
Find the Cheapest Car Insurance Quotes in New Jersey
Best cheap auto insurance in New Jersey for teens: Geico
Geico has the cheapest car insurance for teen drivers in New Jersey who buy liability-only ($953 a year) and full-coverage ($2,474 a year) policies.
If you’re a parent in New Jersey looking for cheap car insurance for teens, add them to your current policy. Your rate will go up, but the overall cost should still be cheaper than if you had your own auto insurance policies.
Cheapest companies for teens
| Company | Liability | Full coverage |
|---|---|---|
| Geico | $953 | $2,474 |
| NJM | $2,446 | $4,096 |
| Travelers | $3,142 | $6,942 |
| Allstate | $3,708 | $7,828 |
| Plymouth Rock | $5,255 | $14,388 |
| State Farm | $5,356 | $8,044 |
| Progressive | $5,688 | $10,637 |
| Farmers | $7,461 | $12,543 |
Cheap car insurance rates in New Jersey after a ticket: Geico
Geico has the best rates for drivers in New Jersey looking for cheap car insurance with a speeding ticket at $1,163 a year, or $97 a month. Plymouth Rock comes in second at $168 a month.
A ticket in New Jersey can raise your car insurance rates around 26%.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| Geico | $1,163 |
| Plymouth Rock | $2,010 |
| NJM | $2,506 |
| State Farm | $2,656 |
| Progressive | $2,762 |
| Allstate | $4,012 |
| Travelers | $4,209 |
| Farmers | $4,727 |
Best car insurance in New Jersey after an accident: Geico
Geico has the cheapest car insurance after an accident in New Jersey at $1,618 a year, or $135 a month.
NJM is the second-cheapest company, with an average rate of $171 a month. NJM also has the highest customer satisfaction rating from J.D. Power – and not just of companies in New Jersey, but in the U.S.
After an accident, New Jersey drivers see their car insurance go up by 92%, on average.
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| Geico | $1,618 |
| NJM | $2,047 |
| Plymouth Rock | $2,857 |
| Progressive | $3,424 |
| State Farm | $4,405 |
| Travelers | $5,522 |
| Allstate | $6,457 |
| Farmers | $10,332 |
Best insurance for New Jersey teens with a bad record: Geico
Teen drivers in New Jersey get the cheapest liability car insurance from Geico after a speeding ticket ($953 a year) and after an accident ($1,085 a year).
Cheapest companies for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| Geico | $953 | $1,085 |
| NJM | $3,065 | $2,446 |
| Travelers | $4,015 | $5,285 |
| Plymouth Rock | $5,255 | $7,895 |
| State Farm | $5,356 | $8,976 |
| Allstate | $5,694 | $9,723 |
| Progressive | $6,096 | $6,769 |
| Farmers | $12,349 | $22,773 |
Find the Cheapest Car Insurance Quotes in New Jersey
Cheapest car insurance after a DWI in New Jersey: Geico
Geico has the best cheap car insurance with a DWI in New Jersey, with an average rate of $2,318 a year, or $193 a month. Plymouth Rock is the second-cheapest company at $204 a year.
Geico and Plymouth Rock are close in cost, so compare quotes from both to find out which one is the cheapest for you.
A driving while intoxicated (DWI) conviction can lead to fines, jail time and license suspension. You can also expect your car insurance rates to increase around 109% after a DWI in New Jersey.
Cheapest companies after a DWI
| Company | Annual rate |
|---|---|
| Geico | $2,318 |
| Plymouth Rock | $2,443 |
| Progressive | $2,471 |
| NJM | $2,506 |
| Allstate | $4,262 |
| Travelers | $5,061 |
| Farmers | $10,266 |
| State Farm | $10,549 |
Cheap car insurance for bad credit in New Jersey: Geico
At $2,654 a year, or $221 a month, Geico has New Jersey’s cheapest auto insurance for poor credit. Progressive comes in second at $272 a month.
Some auto insurance companies charge higher rates to drivers with poor credit because they see a link between credit score and the risk of filing a claim.
If you want to learn your credit score, you can find out for free at LendingTree Spring before you shop for car insurance.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| Geico | $2,654 |
| Progressive | $3,260 |
| NJM | $3,274 |
| Plymouth Rock | $4,792 |
| Allstate | $5,005 |
| Travelers | $7,195 |
| State Farm | $10,956 |
| Farmers | $11,324 |
Best car insurance companies in New Jersey
Geico and NJM are the best car insurance companies in New Jersey, based on their customer satisfaction ratings, financial strength, coverage options and helpful websites.
Geico offers better average rates for most New Jersey residents, as well as better financial strength, compared to NJM. NJM has stronger ratings for customer service than Geico.
New Jersey car insurance company ratings
| Company | J.D. Power* | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| NJM | 711 | A+ | |
| Plymouth Rock | 618 | A- | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
*Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
New Jersey insurance rates by city
Madison has the cheapest average car insurance rate among New Jersey cities at $2,032 a year, or $169 a month. Irvington has the state’s highest average car insurance rate of $298 a month.
- In Newark, New Jersey’s largest city, drivers pay an average of $298 a month.
- Jersey City, the state’s second-biggest city, has an average rate of $256 a month.
- Drivers in the third-largest city, Paterson, pay around $289 a month.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Absecon | $2,613 | 10% |
| Adelphia | $2,354 | -1% |
| Allendale | $2,225 | -6% |
| Allenhurst | $2,312 | -2% |
| Allentown | $2,174 | -8% |
| Allenwood | $2,113 | -11% |
| Alpha | $2,093 | -12% |
| Alpine | $2,634 | 11% |
| Andover | $2,102 | -11% |
| Annandale | $2,068 | -13% |
| Asbury | $2,064 | -13% |
| Asbury Park | $2,312 | -2% |
| Ashland | $2,306 | -3% |
| Atco | $2,547 | 8% |
| Atlantic City | $3,116 | 32% |
| Atlantic Highlands | $2,171 | -8% |
| Audubon | $2,171 | -8% |
| Audubon Park | $2,171 | -8% |
| Augusta | $2,102 | -11% |
| Avalon | $2,199 | -7% |
| Avenel | $2,584 | 9% |
| Avon-by-the-Sea | $2,103 | -11% |
| Baptistown | $2,064 | -13% |
| Barclay | $2,306 | -3% |
| Barnegat | $2,108 | -11% |
| Barnegat Light | $2,108 | -11% |
| Barrington | $2,218 | -6% |
| Basking Ridge | $2,048 | -13% |
| Bay Head | $2,067 | -13% |
| Bayonne | $2,959 | 25% |
| Bayville | $2,277 | -4% |
| Beach Haven | $2,108 | -11% |
| Beach Haven West | $2,108 | -11% |
| Beachwood | $2,277 | -4% |
| Beattystown | $2,102 | -11% |
| Beckett | $2,223 | -6% |
| Bedminster | $2,105 | -11% |
| Belford | $2,171 | -8% |
| Belle Mead | $2,067 | -13% |
| Belleville | $3,100 | 31% |
| Bellmawr | $2,370 | 0% |
| Belmar | $2,071 | -13% |
| Belvidere | $2,093 | -12% |
| Bergenfield | $2,915 | 23% |
| Berkeley Heights | $2,166 | -8% |
| Berlin | $2,547 | 8% |
| Bernardsville | $2,063 | -13% |
| Beverly | $2,208 | -7% |
| Birmingham | $2,241 | -5% |
| Blackwells Mills | $2,480 | 5% |
| Blackwood | $2,402 | 2% |
| Blairstown | $2,093 | -12% |
| Blawenburg | $2,099 | -11% |
| Bloomfield | $2,865 | 21% |
| Bloomingdale | $2,174 | -8% |
| Bloomsbury | $2,089 | -12% |
| Bogota | $2,990 | 26% |
| Boonton | $2,073 | -12% |
| Bordentown | $2,157 | -9% |
| Bound Brook | $2,270 | -4% |
| Bradley Beach | $2,269 | -4% |
| Bradley Gardens | $2,139 | -10% |
| Branchville | $2,274 | -4% |
| Brass Castle | $2,093 | -12% |
| Brick | $2,300 | -3% |
| Bridgeport | $2,223 | -6% |
| Bridgeton | $2,475 | 5% |
| Bridgewater | $2,139 | -10% |
| Brielle | $2,067 | -13% |
| Brigantine | $2,591 | 10% |
| Broadway | $2,137 | -10% |
| Brookdale | $2,865 | 21% |
| Brooklawn | $2,306 | -3% |
| Brookside | $2,075 | -12% |
| Browns Mills | $2,289 | -3% |
| Brownville | $2,485 | 5% |
| Budd Lake | $2,109 | -11% |
| Buena | $2,546 | 8% |
| Burlington | $2,207 | -7% |
| Butler | $2,128 | -10% |
| Buttzville | $2,098 | -11% |
| Caldwell | $2,283 | -4% |
| Califon | $2,074 | -12% |
| Camden | $3,180 | 34% |
| Cape May | $2,148 | -9% |
| Cape May Court House | $2,223 | -6% |
| Cape May Point | $2,148 | -9% |
| Carlstadt | $2,893 | 22% |
| Carneys Point | $2,306 | -3% |
| Carteret | $2,991 | 26% |
| Cedar Brook | $2,523 | 7% |
| Cedar Glen Lakes | $2,286 | -3% |
| Cedar Glen West | $2,286 | -3% |
| Cedar Grove | $2,399 | 1% |
| Cedar Knolls | $2,087 | -12% |
| Cedarville | $2,475 | 5% |
| Changewater | $2,070 | -13% |
| Chatham | $2,076 | -12% |
| Chatsworth | $2,316 | -2% |
| Cherry Hill | $2,293 | -3% |
| Cherry Hill Mall | $2,293 | -3% |
| Chesilhurst | $2,495 | 5% |
| Chester | $2,046 | -14% |
| Chesterfield | $2,153 | -9% |
| Clark | $2,360 | 0% |
| Clarksboro | $2,229 | -6% |
| Clayton | $2,542 | 7% |
| Clearbrook Park | $2,414 | 2% |
| Clementon | $2,566 | 8% |
| Cliffside Park | $3,262 | 38% |
| Cliffwood | $2,480 | 5% |
| Cliffwood Beach | $2,288 | -3% |
| Clifton | $3,128 | 32% |
| Clinton | $2,068 | -13% |
| Closter | $2,608 | 10% |
| Collingswood | $2,215 | -6% |
| Cologne | $2,446 | 3% |
| Colonia | $2,534 | 7% |
| Colts Neck | $2,227 | -6% |
| Columbia | $2,093 | -12% |
| Columbus | $2,154 | -9% |
| Concordia | $2,414 | 2% |
| Convent Station | $2,078 | -12% |
| Cookstown | $2,206 | -7% |
| Country Lake Estates | $2,289 | -3% |
| Cranbury | $2,270 | -4% |
| Crandon Lakes | $2,102 | -11% |
| Cranford | $2,369 | 0% |
| Cream Ridge | $2,235 | -6% |
| Cresskill | $2,608 | 10% |
| Crestwood Village | $2,286 | -3% |
| Dayton | $2,256 | -5% |
| Deal | $2,312 | -2% |
| Deepwater | $2,308 | -2% |
| Deerfield Street | $2,600 | 10% |
| Delaware Park | $2,093 | -12% |
| Delmont | $2,459 | 4% |
| Demarest | $2,642 | 12% |
| Dennisville | $2,272 | -4% |
| Denville | $2,052 | -13% |
| Dividing Creek | $2,475 | 5% |
| Dorchester | $2,475 | 5% |
| Dorothy | $2,571 | 9% |
| Dover | $2,163 | -9% |
| Dover Beaches North | $2,148 | -9% |
| Dover Beaches South | $2,198 | -7% |
| Dumont | $2,528 | 7% |
| Dunellen | $2,340 | -1% |
| East Brunswick | $2,420 | 2% |
| East Franklin | $2,480 | 5% |
| East Freehold | $2,400 | 1% |
| East Hanover | $2,297 | -3% |
| East Newark | $3,125 | 32% |
| East Orange | $3,419 | 44% |
| East Rutherford | $2,817 | 19% |
| Eatontown | $2,171 | -8% |
| Echelon | $2,342 | -1% |
| Edgewater | $3,248 | 37% |
| Edison | $2,466 | 4% |
| Egg Harbor City | $2,607 | 10% |
| Egg Harbor Township | $2,562 | 8% |
| Elizabeth | $3,445 | 46% |
| Elizabethport | $3,445 | 46% |
| Ellisburg | $2,280 | -4% |
| Elmer | $2,289 | -3% |
| Elmwood Park | $3,129 | 32% |
| Elwood | $2,645 | 12% |
| Emerson | $2,447 | 3% |
| Englewood | $3,142 | 33% |
| Englewood Cliffs | $3,168 | 34% |
| Englishtown | $2,402 | 2% |
| Erma | $2,148 | -9% |
| Essex Fells | $2,524 | 7% |
| Estell Manor | $2,589 | 9% |
| Ewan | $2,304 | -3% |
| Fair Haven | $2,171 | -8% |
| Fair Lawn | $2,829 | 20% |
| Fairfield | $2,293 | -3% |
| Fairton | $2,490 | 5% |
| Fairview | $2,790 | 18% |
| Fanwood | $2,453 | 4% |
| Far Hills | $2,097 | -11% |
| Farmingdale | $2,314 | -2% |
| Fieldsboro | $2,157 | -9% |
| Finderne | $2,139 | -10% |
| Flagtown | $2,141 | -10% |
| Flanders | $2,055 | -13% |
| Flemington | $2,095 | -11% |
| Florence | $2,197 | -7% |
| Florham Park | $2,074 | -12% |
| Folsom | $2,605 | 10% |
| Fords | $2,471 | 4% |
| Forked River | $2,177 | -8% |
| Fort Dix | $2,248 | -5% |
| Fort Lee | $3,248 | 37% |
| Fort Monmouth | $2,171 | -8% |
| Fortescue | $2,468 | 4% |
| Franklin | $2,262 | -4% |
| Franklin Center | $2,480 | 5% |
| Franklin Lakes | $2,209 | -7% |
| Franklin Park | $2,480 | 5% |
| Franklinville | $2,546 | 8% |
| Freehold | $2,400 | 1% |
| Frenchtown | $2,066 | -13% |
| Garfield | $3,177 | 34% |
| Garwood | $2,369 | 0% |
| Gibbsboro | $2,342 | -1% |
| Gibbstown | $2,223 | -6% |
| Gillette | $2,059 | -13% |
| Gladstone | $2,097 | -11% |
| Glassboro | $2,321 | -2% |
| Glasser | $2,106 | -11% |
| Glen Gardner | $2,064 | -13% |
| Glen Ridge | $2,621 | 11% |
| Glen Rock | $2,503 | 6% |
| Glendora | $2,332 | -1% |
| Glenwood | $2,321 | -2% |
| Gloucester City | $2,306 | -3% |
| Golden Triangle | $2,280 | -4% |
| Goshen | $2,314 | -2% |
| Great Meadows | $2,102 | -11% |
| Green Creek | $2,252 | -5% |
| Green Knoll | $2,139 | -10% |
| Green Village | $2,059 | -13% |
| Greendell | $2,102 | -11% |
| Greentree | $2,306 | -3% |
| Greenwich | $2,254 | -5% |
| Grenloch | $2,306 | -3% |
| Groveville | $2,174 | -8% |
| Guttenberg | $3,287 | 39% |
| Hackensack | $3,116 | 32% |
| Hackettstown | $2,102 | -11% |
| Haddon Heights | $2,158 | -9% |
| Haddonfield | $2,158 | -9% |
| Hainesport | $2,199 | -7% |
| Haledon | $2,848 | 20% |
| Hamburg | $2,262 | -4% |
| Hamilton Square | $2,178 | -8% |
| Hammonton | $2,645 | 12% |
| Hampton | $2,064 | -13% |
| Hancocks Bridge | $2,395 | 1% |
| Harrington Park | $2,490 | 5% |
| Harrison | $3,125 | 32% |
| Harrisonville | $2,317 | -2% |
| Harvey Cedars | $2,108 | -11% |
| Hasbrouck Heights | $2,859 | 21% |
| Haskell | $2,213 | -6% |
| Haworth | $2,494 | 5% |
| Hawthorne | $2,787 | 18% |
| Hazlet | $2,256 | -5% |
| Heathcote | $2,275 | -4% |
| Heislerville | $2,475 | 5% |
| Helmetta | $2,395 | 1% |
| Hewitt | $2,196 | -7% |
| Hi-Nella | $2,297 | -3% |
| Hibernia | $2,080 | -12% |
| High Bridge | $2,064 | -13% |
| Highland Lakes | $2,321 | -2% |
| Highland Park | $2,491 | 5% |
| Highlands | $2,207 | -7% |
| Hightstown | $2,276 | -4% |
| Hillsborough | $2,084 | -12% |
| Hillsdale | $2,282 | -4% |
| Hillside | $3,093 | 31% |
| Ho-Ho-Kus | $2,259 | -5% |
| Hoboken | $3,041 | 28% |
| Holiday City South | $2,287 | -3% |
| Holiday City-Berkeley | $2,287 | -3% |
| Holiday Heights | $2,287 | -3% |
| Holmdel | $2,220 | -6% |
| Hopatcong | $2,117 | -11% |
| Hopewell | $2,140 | -10% |
| Howell | $2,412 | 2% |
| Imlaystown | $2,256 | -5% |
| Interlaken | $2,312 | -2% |
| Ironia | $2,073 | -12% |
| Irvington | $3,571 | 51% |
| Iselin | $2,584 | 9% |
| Island Heights | $2,250 | -5% |
| Jackson | $2,516 | 6% |
| Jamesburg | $2,414 | 2% |
| Jersey City | $3,074 | 30% |
| Jobstown | $2,193 | -7% |
| Johnsonburg | $2,115 | -11% |
| Joint Base Mdl | $2,228 | -6% |
| Juliustown | $2,193 | -7% |
| Keansburg | $2,258 | -5% |
| Kearny | $3,125 | 32% |
| Keasbey | $2,570 | 9% |
| Kendall Park | $2,347 | -1% |
| Kenilworth | $2,427 | 3% |
| Kenvil | $2,077 | -12% |
| Keyport | $2,288 | -3% |
| Kingston | $2,202 | -7% |
| Kingston Estates | $2,306 | -3% |
| Kinnelon | $2,128 | -10% |
| Lafayette | $2,102 | -11% |
| Lake Como | $2,071 | -13% |
| Lake Hiawatha | $2,082 | -12% |
| Lake Hopatcong | $2,139 | -10% |
| Lake Mohawk | $2,107 | -11% |
| Lakehurst | $2,248 | -5% |
| Lakewood | $2,772 | 17% |
| Lambertville | $2,095 | -11% |
| Landing | $2,110 | -11% |
| Landisville | $2,479 | 5% |
| Lanoka Harbor | $2,157 | -9% |
| Laurel Lake | $2,475 | 5% |
| Laurel Springs | $2,566 | 8% |
| Laurence Harbor | $2,409 | 2% |
| Lavallette | $2,148 | -9% |
| Lawnside | $2,292 | -3% |
| Lawrence Township | $2,294 | -3% |
| Lawrenceville | $2,294 | -3% |
| Layton | $2,098 | -11% |
| Lebanon | $2,095 | -11% |
| Ledgewood | $2,072 | -12% |
| Leeds Point | $2,513 | 6% |
| Leesburg | $2,475 | 5% |
| Leisure Knoll | $2,286 | -3% |
| Leisure Village | $2,772 | 17% |
| Leisure Village East | $2,772 | 17% |
| Leisure Village West | $2,286 | -3% |
| Leisuretowne | $2,248 | -5% |
| Leonardo | $2,171 | -8% |
| Leonia | $3,062 | 29% |
| Liberty Corner | $2,041 | -14% |
| Lincoln Park | $2,240 | -5% |
| Lincroft | $2,171 | -8% |
| Linden | $3,153 | 33% |
| Lindenwold | $2,566 | 8% |
| Linwood | $2,466 | 4% |
| Little Falls | $2,740 | 16% |
| Little Ferry | $3,057 | 29% |
| Little Silver | $2,171 | -8% |
| Little York | $2,091 | -12% |
| Livingston | $2,511 | 6% |
| Lodi | $3,082 | 30% |
| Long Branch | $2,268 | -4% |
| Long Valley | $2,078 | -12% |
| Longport | $2,562 | 8% |
| Lumberton | $2,163 | -9% |
| Lyndhurst | $2,763 | 17% |
| Lyons | $2,041 | -14% |
| Madison | $2,032 | -14% |
| Madison Park | $2,531 | 7% |
| Magnolia | $2,292 | -3% |
| Mahwah | $2,223 | -6% |
| Malaga | $2,546 | 8% |
| Manahawkin | $2,108 | -11% |
| Manasquan | $2,067 | -13% |
| Manchester Township | $2,286 | -3% |
| Mantoloking | $2,067 | -13% |
| Mantua | $2,242 | -5% |
| Manville | $2,139 | -10% |
| Maple Shade | $2,280 | -4% |
| Maplewood | $2,992 | 26% |
| Margate City | $2,592 | 10% |
| Marlboro | $2,384 | 1% |
| Marlton | $2,279 | -4% |
| Marmora | $2,248 | -5% |
| Martinsville | $2,182 | -8% |
| Matawan | $2,405 | 2% |
| Mauricetown | $2,475 | 5% |
| Mays Landing | $2,607 | 10% |
| Maywood | $2,737 | 16% |
| Mc Afee | $2,332 | -1% |
| McGuire AFB | $2,208 | -7% |
| Medford | $2,250 | -5% |
| Medford Lakes | $2,250 | -5% |
| Mendham | $2,072 | -12% |
| Mercerville | $2,287 | -3% |
| Merchantville | $2,663 | 13% |
| Metuchen | $2,389 | 1% |
| Mickleton | $2,229 | -6% |
| Middlebush | $2,480 | 5% |
| Middlesex | $2,283 | -4% |
| Middletown | $2,171 | -8% |
| Middleville | $2,147 | -9% |
| Midland Park | $2,259 | -5% |
| Milford | $2,064 | -13% |
| Millburn | $2,469 | 4% |
| Millington | $2,059 | -13% |
| Millstone | $2,084 | -12% |
| Millstone Township | $2,317 | -2% |
| Milltown | $2,429 | 3% |
| Millville | $2,475 | 5% |
| Milmay | $2,567 | 8% |
| Mine Hill | $2,138 | -10% |
| Minotola | $2,479 | 5% |
| Mizpah | $2,516 | 6% |
| Monmouth Beach | $2,206 | -7% |
| Monmouth Junction | $2,347 | -1% |
| Monroe Township | $2,414 | 2% |
| Monroeville | $2,343 | -1% |
| Montague | $2,303 | -3% |
| Montclair | $2,616 | 11% |
| Montvale | $2,218 | -6% |
| Montville | $2,195 | -7% |
| Moonachie | $3,040 | 28% |
| Moorestown | $2,160 | -9% |
| Moorestown-Lenola | $2,160 | -9% |
| Morganville | $2,384 | 1% |
| Morris Plains | $2,087 | -12% |
| Morristown | $2,078 | -12% |
| Mount Arlington | $2,139 | -10% |
| Mount Ephraim | $2,306 | -3% |
| Mount Freedom | $2,053 | -13% |
| Mount Holly | $2,163 | -9% |
| Mount Laurel | $2,239 | -5% |
| Mount Royal | $2,246 | -5% |
| Mount Tabor | $2,052 | -13% |
| Mountain Lake | $2,093 | -12% |
| Mountain Lakes | $2,049 | -13% |
| Mountainside | $2,196 | -7% |
| Mullica Hill | $2,294 | -3% |
| Mystic Island | $2,108 | -11% |
| National Park | $2,235 | -6% |
| Navesink | $2,171 | -8% |
| Neptune | $2,286 | -3% |
| Neptune City | $2,286 | -3% |
| Neshanic Station | $2,084 | -12% |
| Netcong | $2,110 | -11% |
| New Brunswick | $2,639 | 12% |
| New Egypt | $2,200 | -7% |
| New Gretna | $2,241 | -5% |
| New Lisbon | $2,226 | -6% |
| New Milford | $2,742 | 16% |
| New Providence | $2,149 | -9% |
| New Vernon | $2,047 | -13% |
| Newark | $3,571 | 51% |
| Newfield | $2,486 | 5% |
| Newfoundland | $2,136 | -10% |
| Newport | $2,475 | 5% |
| Newton | $2,102 | -11% |
| Newtonville | $2,611 | 10% |
| Norma | $2,431 | 3% |
| Normandy Beach | $2,067 | -13% |
| North Arlington | $2,846 | 20% |
| North Beach Haven | $2,108 | -11% |
| North Bergen | $3,409 | 44% |
| North Brunswick | $2,626 | 11% |
| North Caldwell | $2,283 | -4% |
| North Cape May | $2,148 | -9% |
| North Haledon | $2,848 | 20% |
| North Middletown | $2,171 | -8% |
| North Plainfield | $3,022 | 28% |
| North Wildwood | $2,148 | -9% |
| Northfield | $2,592 | 10% |
| Northvale | $2,490 | 5% |
| Norwood | $2,608 | 10% |
| Nutley | $2,747 | 16% |
| Oak Ridge | $2,135 | -10% |
| Oak Valley | $2,277 | -4% |
| Oakhurst | $2,208 | -7% |
| Oakland | $2,239 | -5% |
| Oaklyn | $2,259 | -5% |
| Ocean Acres | $2,108 | -11% |
| Ocean City | $2,305 | -3% |
| Ocean Gate | $2,277 | -4% |
| Ocean Grove | $2,269 | -4% |
| Ocean View | $2,199 | -7% |
| Oceanport | $2,171 | -8% |
| Oceanville | $2,538 | 7% |
| Ogdensburg | $2,262 | -4% |
| Old Bridge | $2,485 | 5% |
| Old Tappan | $2,312 | -2% |
| Oldwick | $2,111 | -11% |
| Olivet | $2,289 | -3% |
| Oradell | $2,538 | 7% |
| Orange | $3,419 | 44% |
| Oxford | $2,098 | -11% |
| Palisades Park | $3,262 | 38% |
| Palmyra | $2,220 | -6% |
| Panther Valley | $2,102 | -11% |
| Paramus | $2,584 | 9% |
| Park Ridge | $2,218 | -6% |
| Parlin | $2,547 | 8% |
| Parsippany | $2,082 | -12% |
| Passaic | $3,470 | 47% |
| Paterson | $3,472 | 47% |
| Paulsboro | $2,262 | -4% |
| Peapack | $2,076 | -12% |
| Pedricktown | $2,246 | -5% |
| Pemberton | $2,253 | -5% |
| Pemberton Heights | $2,253 | -5% |
| Pennington | $2,166 | -8% |
| Penns Grove | $2,306 | -3% |
| Pennsauken | $2,663 | 13% |
| Pennsville | $2,306 | -3% |
| Pequannock | $2,139 | -10% |
| Perth Amboy | $3,116 | 32% |
| Phillipsburg | $2,093 | -12% |
| Picatinny Arsenal | $2,142 | -9% |
| Pine Beach | $2,277 | -4% |
| Pine Brook | $2,195 | -7% |
| Pine Hill | $2,566 | 8% |
| Pine Lake Park | $2,287 | -3% |
| Pine Ridge at Crestwood | $2,286 | -3% |
| Piscataway | $2,422 | 2% |
| Pitman | $2,311 | -2% |
| Pittstown | $2,070 | -13% |
| Plainfield | $3,022 | 28% |
| Plainsboro | $2,310 | -2% |
| Plainsboro Center | $2,310 | -2% |
| Pleasantville | $2,617 | 11% |
| Pluckemin | $2,084 | -12% |
| Point Pleasant | $2,067 | -13% |
| Point Pleasant Beach | $2,067 | -13% |
| Pomona | $2,502 | 6% |
| Pompton Lakes | $2,213 | -6% |
| Pompton Plains | $2,139 | -10% |
| Port Elizabeth | $2,511 | 6% |
| Port Monmouth | $2,171 | -8% |
| Port Murray | $2,098 | -11% |
| Port Norris | $2,475 | 5% |
| Port Reading | $2,584 | 9% |
| Port Republic | $2,108 | -11% |
| Pottersville | $2,068 | -13% |
| Presidential Lakes Estates | $2,289 | -3% |
| Princeton | $2,202 | -7% |
| Princeton Junction | $2,205 | -7% |
| Princeton Meadows | $2,310 | -2% |
| Prospect Park | $2,848 | 20% |
| Quakertown | $2,070 | -13% |
| Rahway | $2,965 | 25% |
| Ramblewood | $2,239 | -5% |
| Ramsey | $2,195 | -7% |
| Ramtown | $2,412 | 2% |
| Rancocas | $2,203 | -7% |
| Randolph | $2,072 | -12% |
| Raritan | $2,109 | -11% |
| Red Bank | $2,171 | -8% |
| Richland | $2,544 | 7% |
| Richwood | $2,294 | -3% |
| Ridgefield | $3,262 | 38% |
| Ridgefield Park | $3,057 | 29% |
| Ridgewood | $2,288 | -3% |
| Ringoes | $2,070 | -13% |
| Ringwood | $2,198 | -7% |
| Rio Grande | $2,148 | -9% |
| River Edge | $2,564 | 8% |
| Riverdale | $2,132 | -10% |
| Riverside | $2,208 | -7% |
| Riverton | $2,197 | -7% |
| Robbinsville | $2,174 | -8% |
| Robertsville | $2,390 | 1% |
| Rochelle Park | $2,737 | 16% |
| Rockaway | $2,101 | -11% |
| Rockleigh | $2,490 | 5% |
| Rocky Hill | $2,275 | -4% |
| Roebling | $2,197 | -7% |
| Roosevelt | $2,299 | -3% |
| Roseland | $2,501 | 6% |
| Roselle | $3,153 | 33% |
| Roselle Park | $2,756 | 16% |
| Rosemont | $2,070 | -13% |
| Rosenhayn | $2,475 | 5% |
| Rossmoor | $2,414 | 2% |
| Rumson | $2,207 | -7% |
| Runnemede | $2,353 | -1% |
| Rutherford | $2,804 | 18% |
| Saddle Brook | $2,753 | 16% |
| Saddle River | $2,218 | -6% |
| Salem | $2,323 | -2% |
| Sayreville | $2,532 | 7% |
| Schooleys Mountain | $2,102 | -11% |
| Scotch Plains | $2,453 | 4% |
| Sea Bright | $2,207 | -7% |
| Sea Girt | $2,067 | -13% |
| Sea Isle City | $2,199 | -7% |
| Seabrook Farms | $2,475 | 5% |
| Seaside Heights | $2,198 | -7% |
| Seaside Park | $2,198 | -7% |
| Secaucus | $2,796 | 18% |
| Sergeantsville | $2,070 | -13% |
| Sewaren | $2,584 | 9% |
| Sewell | $2,266 | -4% |
| Shark River Hills | $2,286 | -3% |
| Shiloh | $2,475 | 5% |
| Ship Bottom | $2,108 | -11% |
| Short Hills | $2,469 | 4% |
| Shrewsbury | $2,171 | -8% |
| Sicklerville | $2,577 | 9% |
| Silver Lake | $3,100 | 31% |
| Silver Ridge | $2,287 | -3% |
| Singac | $2,740 | 16% |
| Six Mile Run | $2,480 | 5% |
| Skillman | $2,140 | -10% |
| Smithville | $2,608 | 10% |
| Society Hill | $2,422 | 2% |
| Somerdale | $2,297 | -3% |
| Somers Point | $2,495 | 5% |
| Somerset | $2,480 | 5% |
| Somerville | $2,113 | -11% |
| South Amboy | $2,531 | 7% |
| South Bound Brook | $2,353 | -1% |
| South Dennis | $2,329 | -2% |
| South Hackensack | $3,050 | 29% |
| South Orange | $2,961 | 25% |
| South Plainfield | $2,490 | 5% |
| South River | $2,436 | 3% |
| South Seaville | $2,316 | -2% |
| South Toms River | $2,287 | -3% |
| Sparta | $2,112 | -11% |
| Spotswood | $2,350 | -1% |
| Spring Lake | $2,093 | -12% |
| Spring Lake Heights | $2,093 | -12% |
| Springdale | $2,306 | -3% |
| Springfield | $2,407 | 2% |
| Stanhope | $2,125 | -10% |
| Stanton | $2,166 | -8% |
| Stewartsville | $2,093 | -12% |
| Stirling | $2,059 | -13% |
| Stockholm | $2,159 | -9% |
| Stockton | $2,070 | -13% |
| Stone Harbor | $2,199 | -7% |
| Stratford | $2,297 | -3% |
| Strathmere | $2,248 | -5% |
| Strathmore | $2,405 | 2% |
| Succasunna | $2,055 | -13% |
| Summit | $2,149 | -9% |
| Surf City | $2,108 | -11% |
| Sussex | $2,303 | -3% |
| Swartswood | $2,102 | -11% |
| Swedesboro | $2,223 | -6% |
| Teaneck | $2,925 | 24% |
| Ten Mile Run | $2,202 | -7% |
| Tenafly | $2,648 | 12% |
| Tennent | $2,289 | -3% |
| Teterboro | $2,709 | 14% |
| Thorofare | $2,235 | -6% |
| Three Bridges | $2,067 | -13% |
| Tinton Falls | $2,256 | -5% |
| Titusville | $2,093 | -12% |
| Toms River | $2,284 | -3% |
| Totowa | $2,740 | 16% |
| Towaco | $2,240 | -5% |
| Township Of Washington | $2,288 | -3% |
| Tranquility | $2,118 | -10% |
| Trenton | $2,656 | 12% |
| Tuckahoe | $2,223 | -6% |
| Tuckerton | $2,108 | -11% |
| Turnersville | $2,334 | -1% |
| Twin Rivers | $2,276 | -4% |
| Union | $3,093 | 31% |
| Union Beach | $2,288 | -3% |
| Union City | $3,287 | 39% |
| Upper Montclair | $2,616 | 11% |
| Upper Pohatcong | $2,093 | -12% |
| Upper Saddle River | $2,218 | -6% |
| Vauxhall | $3,093 | 31% |
| Ventnor City | $2,592 | 10% |
| Vernon | $2,321 | -2% |
| Vernon Center | $2,321 | -2% |
| Vernon Valley | $2,321 | -2% |
| Verona | $2,443 | 3% |
| Victory Gardens | $2,163 | -9% |
| Victory Lakes | $2,565 | 8% |
| Vienna | $2,118 | -10% |
| Villas | $2,172 | -8% |
| Vincentown | $2,248 | -5% |
| Vineland | $2,553 | 8% |
| Vista Center | $2,516 | 6% |
| Voorhees | $2,411 | 2% |
| Waldwick | $2,209 | -7% |
| Wallington | $3,066 | 30% |
| Wallpack Center | $2,235 | -6% |
| Wanamassa | $2,312 | -2% |
| Wanaque | $2,221 | -6% |
| Waretown | $2,155 | -9% |
| Warren | $2,150 | -9% |
| Washington | $2,093 | -12% |
| Watchung | $2,564 | 8% |
| Waterford Works | $2,495 | 5% |
| Wayne | $2,529 | 7% |
| Weehawken | $3,041 | 28% |
| Wenonah | $2,277 | -4% |
| West Belmar | $2,071 | -13% |
| West Berlin | $2,487 | 5% |
| West Cape May | $2,148 | -9% |
| West Creek | $2,108 | -11% |
| West Freehold | $2,400 | 1% |
| West Long Branch | $2,171 | -8% |
| West Milford | $2,182 | -8% |
| West New York | $3,287 | 39% |
| West Orange | $2,872 | 21% |
| West Wildwood | $2,148 | -9% |
| Westfield | $2,339 | -1% |
| Westville | $2,376 | 0% |
| Westwood | $2,312 | -2% |
| Wharton | $2,139 | -10% |
| Whippany | $2,087 | -12% |
| White Horse | $2,496 | 5% |
| White Meadow Lake | $2,101 | -11% |
| Whitehouse | $2,070 | -13% |
| Whitehouse Station | $2,070 | -13% |
| Whitesboro | $2,223 | -6% |
| Whittingham | $2,414 | 2% |
| Wickatunk | $2,275 | -4% |
| Wildwood | $2,148 | -9% |
| Wildwood Crest | $2,148 | -9% |
| Williamstown | $2,565 | 8% |
| Willingboro | $2,544 | 7% |
| Windsor | $2,201 | -7% |
| Winslow | $2,600 | 10% |
| Wood Ridge | $2,809 | 19% |
| Wood-Ridge | $2,809 | 19% |
| Woodbine | $2,340 | -1% |
| Woodbridge | $2,569 | 9% |
| Woodbury | $2,275 | -4% |
| Woodbury Heights | $2,270 | -4% |
| Woodcliff Lake | $2,232 | -6% |
| Woodland Park | $2,740 | 16% |
| Woodlynne | $2,259 | -5% |
| Woodstown | $2,271 | -4% |
| Wrightstown | $2,197 | -7% |
| Wyckoff | $2,238 | -5% |
| Yardville | $2,174 | -8% |
| Yorketown | $2,402 | 2% |
| Zarephath | $2,530 | 7% |
Car insurance laws in New Jersey
New Jersey drivers are required to have at least these amounts of liability car insurance:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage
- $15,000 personal injury protection
SR-22 insurance in New Jersey
If your driver’s license is suspended in New Jersey, you will need to file an SR-22 to get it reinstated.
An SR-22 proves that you have at least the minimum amount of car insurance New Jersey state law requires.
Your insurance company should file the SR-22 with the Motor Vehicle Commission (MVC) on your behalf.
Frequently asked questions
The average cost of full-coverage car insurance in New Jersey is $2,834 a year, or $199 a month. Liability-only car insurance costs an average of $1,266 a year, or $106 a month.
New Jersey is a no-fault car insurance state. This means that you can file a claim with your own car insurance company for medical expenses after an accident, no matter who is at fault.