Key Takeaways
- Bristol West and Progressive offer some of the cheapest car insurance in New Jersey.
- Compare quotes from multiple insurers to find cheap car insurance in New Jersey.
If you need cheap car insurance in New Jersey, consider companies like Bristol West and Progressive. These insurers were among the cheapest insurers in the state, according to real quotes for Jerry customers.
Here are more cheap options for minimum and full coverage, plus preview quotes by age, driving history and quotes for low credit scores.
To find the best car insurance in New Jersey, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in New Jersey
Drivers in New Jersey who want to meet insurance requirements without unnecessary extras can opt for minimum coverage. This type of plan covers injuries and damage to others if you’re at fault but doesn’t extend to your vehicle. It suits drivers who are confident in their habits and own older cars.
Here are the most affordable insurers in New Jersey for minimum coverage policies, according to real quotes for Jerry customers.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 61 | Progressive | $33 | March 20, 2024 |
| 33 | Progressive | $41 | December 19, 2024 |
| 30 | Progressive | $49 | February 26, 2025 |
| 31 | First Acceptance | $49 | March 26, 2025 |
| 86 | Progressive | $55 | March 27, 2025 |
| 39 | Progressive | $56 | June 1, 2024 |
| 35 | Progressive | $56 | April 5, 2025 |
| 49 | Progressive | $57 | April 27, 2024 |
| 48 | Progressive | $58 | March 23, 2025 |
| 43 | Progressive | $59 | November 13, 2024 |
Minimum car insurance requirements in New Jersey
New Jersey requires drivers to carry the following minimum coverage, which the state refers to as a “basic” policy:
- $5,000 in property damage liability.
- $15,000 in personal injury protection, or PIP, per person per accident.
Drivers can purchase a “standard” policy for additional coverage, but it’s not required. This policy includes:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $15,000 in PIP per person per accident.
Cheap full coverage car insurance in New Jersey
Getting low-cost full coverage car insurance in New Jersey means finding protection that fits your needs without overpaying. Full coverage typically includes liability, collision and comprehensive insurance — guarding against things like accidents, vandalism, theft and extreme weather.
Here are the most affordable insurers in New Jersey for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Electric | $187 | $2,241 |
| Safeco | $319 | $3,830 |
| Gainsco | $321 | $3,852 |
| National General | $346 | $4,154 |
| Mercury | $357 | $4,286 |
Minimum liability vs. full coverage in New Jersey
Minimum coverage only pays for damage or injury you cause to others if you’re found at-fault in an accident. It won’t cover damage to your own vehicle.
Full coverage includes New Jersey’s minimum requirements along with collision and comprehensive coverage. Here’s a breakdown of what full coverage includes:
- Liability insurance: covers injuries or property damage you cause to someone else in an accident.
- PIP: pays for you and your passengers injuries after a crash, regardless of who was at fault.
- Collision coverage: pays for damage to your vehicle after an accident regardless of who was responsible. This coverage has a deductible.
- Comprehensive coverage: pays for vehicle damage caused by a non-collision event like weather and theft. This coverage has a deductible.
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in New Jersey
New Jersey insurance providers often increase premiums for young drivers because they statistically file more claims and even strong driving records take time to influence rates. Programs rewarding academic excellence or safe driving can help lower costs for young residents.
Below are the average costs of car insurance in New Jersey for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $739 | $8,868 |
| 21-24 | $466 | $5,586 |
Cheap liability car insurance in New Jersey for a 20-year-old
New Jersey’s high insurance costs make liability-only coverage an attractive option for 20-year-olds. If they drive a car that’s already depreciated, full coverage might not be cost-effective and liability-only policies offer the required protection without pushing monthly expenses too high.
These are the cheapest car insurance companies in New Jersey for 20-year-olds with minimum coverage, according to Jerry’s data.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 20 | Bristol West | $199 | December 12, 2024 |
| 20 | Bristol West | $216 | February 14, 2025 |
| 20 | Bristol West | $326 | June 6, 2024 |
| 20 | Bristol West | $335 | March 9, 2025 |
| 20 | Bristol West | $338 | June 3, 2025 |
| 20 | Progressive | $349 | April 2, 2025 |
| 20 | Progressive | $356 | June 14, 2025 |
Cheap full coverage in New Jersey for a 20-year-old
In New Jersey, full coverage might be a good fit for 20-year-olds if they have a high value car or drive consistently in their daily routine. This insurance protects their vehicle from common mishaps like fender benders and theft. It also eases the burden of sudden repair costs.
Here are the most affordable insurers in New Jersey for 20-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 20 | Progressive | $254 | March 16, 2025 |
| 20 | Progressive | $299 | June 19, 2025 |
| 20 | Progressive | $458 | June 21, 2024 |
| 20 | Progressive | $482 | March 27, 2025 |
| 20 | Bristol West | $507 | May 24, 2025 |
Average auto insurance costs for mature drivers in New Jersey (25-54)
New Jersey drivers with a long, claim-free history tend to qualify for better insurance deals. Years of driving with care show insurers they can be trusted and this trust is reflected in their lower premiums. Insurers generally reward consistent responsibility with savings over time.
Below are the average costs of car insurance for drivers in New Jersey between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $378 | $4,537 |
| 35-44 | $347 | $4,165 |
| 45-54 | $333 | $3,992 |
Cheapest liability car insurance in New Jersey for a 35-year-old
A 35-year-old in New Jersey might find that liability-only insurance suits their needs if their car’s value has diminished over time. Minimal coverage satisfies the law and supports smarter budgeting and this option is well-suited to drivers who know what they need — and what they don’t.
Here are the most affordable insurers in New Jersey for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 35 | Progressive | $56 | April 5, 2025 |
| 35 | Progressive | $85 | August 20, 2024 |
| 35 | Progressive | $92 | December 18, 2024 |
| 35 | Bristol West | $92 | May 14, 2024 |
| 35 | Progressive | $94 | May 28, 2025 |
| 35 | Bristol West | $97 | April 15, 2024 |
| 35 | Bristol West | $100 | May 10, 2024 |
| 35 | Bristol West | $103 | December 15, 2024 |
| 35 | Progressive | $104 | February 25, 2025 |
| 35 | Bristol West | $107 | May 15, 2024 |
Cheapest full coverage in New Jersey for a 35-year-old
A 35-year-old in New Jersey could prefer full coverage to manage risks tied to high traffic volumes and extreme weather. Tight roadways and frequent storms make comprehensive insurance practical and this type of plan can also help in cases of theft or accidental damage. It’s a smart strategy for anyone driving regularly in the area.
Below are the cheapest auto insurers in New Jersey for 35-year-olds with full coverage.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 35 | Progressive | $46 | June 12, 2025 |
| 35 | Progressive | $60 | February 14, 2025 |
| 35 | Progressive | $69 | June 26, 2024 |
| 35 | Progressive | $89 | June 2, 2025 |
| 35 | Progressive | $95 | June 23, 2025 |
| 35 | Progressive | $95 | March 11, 2025 |
| 35 | Progressive | $96 | March 9, 2024 |
| 35 | Progressive | $106 | October 16, 2024 |
| 35 | Progressive | $114 | September 26, 2024 |
| 35 | Progressive | $120 | August 26, 2024 |
Average car insurance costs for older drivers in New Jersey (55+)
While car insurance costs are usually at their lowest for drivers in their 50s, prices tend to increase as drivers reach their late 60s.
Below are the average car insurance costs for drivers in New Jersey aged 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $316 | $3,787 |
| 65+ | $292 | $3,502 |
Cheapest liability car insurance in New Jersey for a 65-year-old
New Jersey retirees may find liability-only insurance appealing once daily commutes are a thing of the past. Cars that have depreciated in value and serve mainly short trips may not warrant extra coverage. This streamlined choice supports a more relaxed lifestyle.
Here are the most affordable insurers in New Jersey for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 65 | Bristol West | $103 | May 4, 2024 |
| 65 | Bristol West | $118 | July 21, 2024 |
| 65 | Bristol West | $125 | June 19, 2024 |
| 65 | Bristol West | $126 | June 30, 2024 |
| 65 | Bristol West | $135 | March 19, 2024 |
| 65 | Progressive | $135 | June 9, 2025 |
| 65 | Bristol West | $144 | June 28, 2024 |
| 65 | Bristol West | $149 | May 13, 2024 |
| 65 | Bristol West | $150 | June 21, 2024 |
| 65 | Bristol West | $153 | June 19, 2024 |
Cheapest full coverage in New Jersey for a 65-year-old
In New Jersey, older drivers may choose full coverage insurance to protect against the challenges of urban driving and seasonal hazards. Preserving financial stability by preventing costly repairs may be a priority as seniors rely on their vehicles for daily activities and social visits, valuing the comprehensive protection full coverage offers. It helps maintain both their vehicle’s condition and their budget.
These are the cheapest car insurance companies in New Jersey for 65-year-olds with full coverage, according to Jerry’s data.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 65 | Progressive | $79 | March 24, 2025 |
| 65 | Progressive | $100 | June 28, 2024 |
| 65 | Progressive | $105 | March 1, 2025 |
| 65 | Progressive | $124 | January 9, 2025 |
| 65 | Bristol West | $136 | June 10, 2025 |
| 65 | Progressive | $148 | December 17, 2024 |
| 65 | Progressive | $163 | June 7, 2024 |
| 65 | Progressive | $165 | September 30, 2024 |
| 65 | Progressive | $193 | January 2, 2024 |
| 65 | Progressive | $203 | March 25, 2025 |
Cheapest car insurance in New Jersey by driving history
In New Jersey, your driving history is a major factor insurers use to evaluate your potential risk. A record of accidents or violations may lead providers to approach your policy with caution and it influences both the coverage types and pricing available. Your history becomes a key part of their decision-making process.
Cheap car insurance for drivers with clean records in New Jersey
A clean record in New Jersey signals that you’re dependable and attentive behind the wheel. Insurers reward this kind of driving behavior with better rates and fewer restrictions and your strong history makes the application or renewal process easier. It’s a simple way to stand out positively to providers.
Below are the cheapest auto insurers in New Jersey for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Infinity | $93 | $1,112 |
| Trexis | $110 | $1,318 |
| Electric | $129 | $1,547 |
| Embark General | $139 | $1,669 |
| Dairyland | $142 | $1,700 |
Cheapest car insurance with a speeding ticket in New Jersey
A speeding ticket in New Jersey may signal to insurers that you’re prone to risky driving. Even one violation can change how you’re assessed during a renewal and it may result in a policy review or premium increase. Insurers take note of these infractions as part of their risk analysis.
Here are the most affordable insurers in New Jersey for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $117 | $1,407 |
| AAA | $282 | $3,384 |
| Assurance America | $299 | $3,590 |
| Gainsco | $304 | $3,653 |
| Progressive | $349 | $4,186 |
Cheapest car insurance after an at-fault accident with no injury in New Jersey
Being at fault in an accident, even with no injuries, still leaves a financial footprint. Property damage can lead to costly claims and administrative concerns and insurers may adjust your policy terms based on the incident. It becomes a consideration for future evaluations and price quotes.
Below are the cheapest auto insurers in New Jersey for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $122 | $1,458 |
| Commonwealth Insurance | $134 | $1,607 |
| Aspen | $172 | $2,063 |
| National General | $208 | $2,501 |
| Trexis | $239 | $2,864 |
Cheapest auto insurance after an at-fault accident with injury in New Jersey
An at-fault accident with injuries in New Jersey is taken seriously by insurers. It brings increased liability and possible legal complications. These events can result in higher rates or revised terms and your driving record will reflect the incident for years to come.
Here are the most affordable insurers in New Jersey for those with an at-fault accident with injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $153 | $1,832 |
| National General | $156 | $1,867 |
| Aspire Advantage | $161 | $1,927 |
| First Acceptance | $354 | $4,244 |
| Progressive | $386 | $4,628 |
Cheapest car insurance with a DUI in New Jersey
A DUI in New Jersey significantly alters your insurance profile as it indicates dangerous behavior that insurers must take into account. You may face rate hikes and restricted policy access and the consequences often extend beyond just the legal penalties.
Below are the cheapest auto insurers in New Jersey for people with a DUI on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $133 | $1,596 |
| Progressive | $309 | $3,707 |
| First Acceptance | $354 | $4,244 |
| Bristol West | $419 | $5,031 |
Average auto insurance costs for New Jersey drivers with other violations
Other violations in New Jersey, such as illegal turns or careless driving, can impact your policy as well. These incidents suggest lapses in judgment or preparation and insurers watch for patterns of this kind of behavior. Multiple violations may lead to stricter policy terms and higher pricing.
Below are average car insurance costs in New Jersey for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $411 | $4,934 |
| Cell Phone | $452 | $5,421 |
| Defective Equipment | $315 | $3,779 |
| Driving on Sus. License | $287 | $3,439 |
| Failure to Obey Traffic Sign | $412 | $4,948 |
Cheapest auto insurance for low credit scores in New Jersey
You’ll likely pay more for auto insurance if you have a low credit score. That’s because insurers in New Jersey use credit as a factor in car insurance rate calculations — and drivers with low scores have been shown to be more likely to file a car insurance claim.
Here are the cheapest auto insurance companies in New Jersey for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $115 | $1,383 |
| Anchor General | $122 | $1,458 |
| Embark General | $172 | $2,069 |
| National General | $216 | $2,597 |
| Gainsco | $220 | $2,646 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in New Jersey
The best way to get cheap car insurance in New Jersey is to compare quotes from multiple insurance companies. Don’t assume your current insurer is the most affordable, even if it was when you first bought your policy.
Try these tips to get a more affordable policy:
- Ask about discounts.
- Bundle your home and auto insurance under the same insurer.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
More: Best car insurance companies
Factors that affect car insurance costs in New Jersey
Insurers price auto insurance rates using factors like your:
- ZIP code.
- Driving history.
- Credit score.
- Claims history.
- Age.
- Marital status.
- Vehicle type.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
