Compare car insurance quotes in New Jersey
Jerry is a free app trusted by 52,858 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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$134 to $259 per month for state-mandated minimum coverage.
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$245 to $478 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 $624 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
In New Jersey, home insurance premiums are influenced by everything from coastal storm surge and flooding to dense housing and high rebuilding costs. Even if you’re not on the shore, heavy rain and aging infrastructure can affect what you pay. Bundling car and home insurance is one of the most effective ways to offset those costs, and Jerry homeowners save up to 40% on average when they combine coverages.
Jerry takes a different approach to bundling than most. We price home and auto independently and combine the best rates, even from different carriers. In New Jersey, that’s a real advantage. The insurer best suited for coastal or flood risk on your home may not be the one offering the most competitive auto rate, and Jerry makes sure you don’t have to choose between them (or a single bundle discount).
Jerry pulls up to 20 quotes from top rated carriers.
What New Jersey drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage, or just choosing the cheapest car insurance in New Jersey, shopping around helps you find the right fit.
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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$25,000 in bodily injury liability per person.
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$50,000 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 (UIM) protection is also recommended.
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Coverage definitions
Factors affecting New Jersey car insurance rates in 2026
Traffic density and frequent collision claims
With constant congestion and packed highways, New Jersey drivers face more day-to-day accident exposure, from fender benders to multi-car pileups. Collision coverage is the main protection for repairing your vehicle after an at-fault crash.
PIP costs under no-fault rules
New Jersey’s no-fault setup means PIP plays a central role in paying medical expenses after an accident. Higher injury-related costs can push premiums up, so it’s worth understanding your PIP selections and what they cover.
Theft and break-ins in metro counties
Vehicle theft risk is elevated in certain higher-density counties and areas with more street parking. Comprehensive coverage typically covers theft and vandalism, making it an important part of “full coverage” in many ZIP codes.
Uninsured drivers
Over 14% of New Jersey drivers are uninsured. UM/UIM coverage helps protect you if the other driver can’t pay for injuries or damage.
Expensive repairs and parts pricing
Higher labor rates and the cost of modern vehicle parts can make even moderate damage pricey to fix. Choosing deductibles you can realistically afford keeps your coverage useful when repairs climb.
Busy interchanges and toll-road corridors
Routes like the Turnpike, Parkway, and major interchange zones involve constant merging and abrupt slowdowns, which are common ingredients for rear-end crashes. More claim activity in these corridors can translate 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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|---|---|
| $476 | |
| $379 | |
| $466 | |
| $436 | |
| $380 | |
| $489 | |
| $474 | |
| $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.