Compare Car Insurance Quotes in New Jersey
Jerry is a free app trusted by 53,478 New Jersey drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average New Jersey car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in New Jersey, Jerry drivers pay:
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$135 to $259 per month for state-mandated minimum coverage.
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$249 to $479 per month for full coverage.
Checking rates from multiple carriers is often the best way to find good deals. Over the last 12 months, Jerry has helped New Jerseyans save an average of $598 per year on coverage by comparing quotes across insurers.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
We make that process simple. Use the Jerry app to compare coverage and finalize your New Jersey policy in under 10 minutes. It is free to compare and we never sell your personal info so you don’t have to worry about spam calls. Do it all digitally, or connect with a licensed agent whenever you need expert guidance.
Keep in mind that your insurance cost will depend on things like your car model, how much you drive, and your claims history. Here are some full coverage rates that Jerry drivers in New Jersey have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
New Jersey homeowners face significant coastal storm exposure, flood risk in many areas, and some of the highest property values in the Northeast. Bundling home and auto insurance is one of the most practical strategies to manage those elevated premiums.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What New Jersey drivers are paying with Jerry
The easiest way to find the right car insurance is to compare quotes from multiple companies. Whether you’re putting together a new policy, matching what you already have or just looking for the cheapest car insurance in New Jersey, shopping around gives you a clearer picture.
That matters in New Jersey, where drivers pay some of the highest premiums in the country. Dense traffic, high population, and urban driving conditions in the northern part of the state push costs up, while the Shore and South Jersey see different patterns. With that much on the line, comparing carriers carefully makes a real difference. Jerry works with New Jersey drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 8 trusted insurers in the Garden State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for New Jersey drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in New Jersey
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
New Jersey car insurance coverage requirements
New Jersey requires drivers to carry the following minimum coverage, which the state refers to as a “basic” policy:
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$5,000 in property damage liability.
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$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:
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$35,000 in bodily injury liability per person.
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$70,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
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$15,000 in PIP per person per accident.
While this is the minimum insurance you need to get behind the wheel in New Jersey, most Jerry drivers choose to buy higher liability limits, comprehensive and collision coverage. Considering that over 14% of New Jersey drivers are uninsured, buying uninsured/underinsured motorist (UM/UIM) protection is also recommended.
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Coverage definitions
Factors affecting New Jersey car insurance rates in 2026
Traffic density and collision frequency
New Jersey is one of the most densely driven states in the country, and packed highways mean more fender benders and multi-car pileups. Consider carrying collision coverage so repairs don’t hinge on a drawn-out fault decision, and let a telematics program (like Jerry DriveShield) turn your safer driving into a better rate.
No-fault rules and PIP costs
New Jersey’s no-fault system means your PIP coverage plays a central role in covering medical expenses after a crash. PIP selections are one of the biggest pricing levers on your policy, so make sure you understand what your limits cover and choose a level that fits your budget and health insurance situation.
Theft and break-ins
Vehicle theft is elevated in certain higher-density counties and areas with more street parking. Comprehensive coverage is what pays out if your car is stolen or broken into, so consider keeping this coverage and picking a deductible you can afford. Also lock up, park in well-lit areas and keep valuables out of sight.
Uninsured drivers
More than one in seven New Jersey drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
High repair costs
Labor rates and modern vehicle parts make New Jersey repair bills climb fast, even for moderate damage. Choose a deductible you can comfortably pay if an accident happens, so a surprise estimate doesn’t keep you from filing a claim when it’s needed.
Turnpike, Parkway and interchange congestion
Routes like the Turnpike and Garden State Parkway involve constant merging and abrupt slowdowns, which are a recipe for rear-end crashes. More claim activity on these corridors translates directly into higher premiums for drivers who rely on them daily.
Average cost of car insurance in major New Jersey cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $475 | |
| $378 | |
| $471 | |
| $431 | |
| $379 | |
| $488 | |
| $472 | |
| $293 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get New Jersey quotes in as little as 2 minutes.
Learn more about driving in New Jersey
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How to get a temporary license plate in New Jersey.
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Understand how no-fault insurance works in New Jersey.
FAQ
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Is New Jersey a no-fault state?
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What happens if I drive without insurance in New Jersey?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.