Jerry works with 8 different insurance companies across the Garden State, and over the last year we’ve helped 37,859 New Jersey drivers shop competitive quotes and switch coverage with confidence.

Because every driver’s needs are different, we focus on showing you options that make sense for your situation. And since we’ve helped thousands of NJ drivers like you, we understand what people in your state prioritize when choosing car insurance.

Here’s what we’ve seen:

• GEICO is the single most-chosen insurer among Jerry customers in New Jersey.

• Progressive and Bristol West come in second and third place, with about half of the total market share.

• Our customers also compare quotes from strong carriers like Plymouth Rock, Liberty Mutual, and others, when making their choice.

The takeaway is simple: there’s no one “best” company for everyone. But there is a best fit for you, based on your driving profile, coverage needs and risk tolerance.

Recent quotes in New Jersey

Quick picks: Best New Jersey car insurance by driver profile

Here are the categories we chose when selecting our best insurance companies for New Jersey drivers, and why. Use this as a starting point, then let Jerry personalize the results for your exact details.

How Jerry helps New Jersey drivers find their best insurance

There’s a reason Jerry doesn’t look like your typical insurance quote site. It’s because we are anything but typical.

For New Jersey drivers, we don’t just find a low number, we find the right policy by:

• Using real data from 37,859 recent New Jersey quotes to best compare your coverage options.

• Analyzing 8 top insurers against our quality criteria and your specific needs.

• Showing you highly-rated options that balance coverage, claims and cost.

• Explaining why each option makes sense for your situation.

• Continuing to monitor market rates so you always know when it’s time to shop for better pricing.

• Handling all the paperwork — including cancellation and refund requests — and helping you switch, so you never have a coverage gap.

What does that mean for NJ drivers? An average annual savings of $645 and high satisfaction rates among drivers who switch with Jerry.

Ready to see what you could save? Answer a few quick questions and we’ll show you the top options, fast.

Best car insurance for most NJ drivers

New Jersey drivers have 8 insurance companies to choose from when shopping through Jerry. These carriers each bring a variety of coverages, features, benefits and prices to the table, so customers can truly shop around to find the one that offers the best balance of price and protection.

Most popular insurers in New Jersey

Insurer	Share of Jerry drivers	Jerry customer rating
GEICO	54%	No Rating
Progressive	29%	No Rating
Bristol West	18%	No Rating

For most drivers in New Jersey who want full coverage and strong claims support, three companies rise to the top as customer favorites: GEICO, Progressive and Bristol West. Jerry can compare them (and more) side-by-side in just minutes, so you see which one actually works for you.

Here’s a look at what they each offer and why customers say they’re a top pick.

1. GEICO

Recent quotes for NJ drivers

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.

• Why we recommend GEICO:

  • Simple policy management and claims filing via web and app.
  • Strong full-coverage rates for many New Jersey driver profiles.
  • Snapshot® offers ongoing discounts for safe driving over time.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

2. Progressive

Recent quotes for NJ drivers

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.

• Why we recommend Progressive:

  • Strong pricing across a broad mix of drivers, including full-coverage shoppers.
  • Smooth digital experience for payments, policy changes and claims.
  • Plenty of coverage add-ons and bundling options for a more complete setup.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

3. Bristol West

Recent quotes for NJ drivers

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.

• Why we recommend Bristol West:

  • Backed by Farmers Group for more stability than smaller, non-standard carriers
  • 24/7 online access to ID cards, payments and policy info.
  • Optional add-ons like towing and roadside service.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

Best NJ car insurance for bundling home and auto

If you’re a homeowner, your insurance decisions usually shift from “cheapest” to “best fit.” Your auto policy needs to match the life you’ve built, including the property, savings and people who depend on you.

Many drivers start with bundling auto and home insurance because it’s an easy way to simplify policy management and qualify for discounts. But even without bundling, homeownership can still work in your favor. Some carriers offer homeowner-specific discounts or higher coverage limits that better reflect what you’re protecting.

In New Jersey, Jerry sees most home-owning customers choosing GEICO, Progressive and Bristol West for their auto coverage, with or without bundling those policies. Here’s what each top carrier offers and why Jerry customers pick them most often.

1. GEICO

Recent quotes for homeowners

• Why we recommend GEICO:

  • Multi-policy savings when you combine auto with home, renters or condo.
  • Highly rated app for payments, digital ID cards, vehicle updates and claims.
  • A++ AM Best financial strength rating for dependable claim payments.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

2. Progressive

Recent quotes for homeowners

• Why we recommend Progressive:

  • Strong legal and claims teams for major accidents and lawsuits.
  • High liability and umbrella options that fit smoothly with homeowners policies.
  • Deep experience with complex coverage needs for households with higher assets and net worths.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

3. Bristol West

Recent quotes for homeowners

• Why we recommend Bristol West:

  • A good option for households with mixed driver profiles.
  • Non-standard underwriting lane for drivers with tickets, accidents or prior insurance gaps.
  • Claims reporting and claim status tools available 24/7.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

Best value for budget-focused NJ drivers

Budget-friendly shouldn’t mean “good luck out there.” If you want to stay under control on price but still keep real coverage in New Jersey, you’ll usually get better results by switching carriers than by cutting limits. Our data show GEICO, Progressive and Bristol West frequently land in the sweet spot for Jerry drivers, offering strong protection for a reasonable monthly cost. The goal isn’t just the cheapest insurance in New Jersey. It’s value: price plus protection that holds up.

Over the past 12 months, Jerry has helped 863 New Jersey drivers find coverage under $100/month, without dropping to bare-minimum limits.

Here’s a look at what each top carrier offers and why Jerry customers say they’re a top pick.

1. GEICO

Recent price-friendly 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.

• Why we recommend GEICO:

  • Broad discount menu that can include good driver, defensive driving and driver education, varies by state.
  • Flexible payment setup in-app with multiple payment methods and adjustable payment amounts.
  • Optional roadside assistance coverage to help manage towing and lockout costs.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

2. Progressive

Recent price-friendly 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.

• Why we recommend Progressive:

  • Budget-friendly quotes for many driver profiles, including minimum coverage shoppers.
  • Lots of discount paths like multi-car, bundling, safe driver and continuous coverage.
  • Strong self-serve experience for policy changes and claims in the app.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

3. Bristol West

Recent price-friendly 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.

• Why we recommend Bristol West:

  • Many discounts available that aren’t tied to clean driving records.
  • Customizable policies allow drivers to adjust deductibles and limits to suit any budget.
  • Options like towing and roadside service help you avoid unexpected bills.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

Best car insurance for NJ families with teen drivers

If you’re adding a teen driver in New Jersey, brace yourself for sticker shock. Even families with strong credit, a clean claims history, and safe vehicles can see a sudden premium jump once a new driver hits the policy. What matters most is finding a carrier that prices teen risk reasonably for your household, not just accepting the default renewal. Jerry has helped 633 NJ families with teen drivers get covered, most often with Progressive and Bristol West.

Here’s a look at what those carriers offer and why Jerry customers choose them so frequently.

1. Progressive

Recent teen driver quotes

• Why we recommend Progressive:

  • Adding a teen to a household policy usually means the same coverages and limits apply.
  • Good student discount for full-time students with a B average or better, starts at 5% and varies by state.
  • Accident forgiveness options, including smaller claims under $500 and larger forgiveness after longer tenure.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. Bristol West

Recent teen driver quotes

• Why we recommend Bristol West:

  • Useful for families rebuilding after a cancellation, nonrenewal or gap in coverage.
  • Competitive pricing for mixed driver records within the same household.
  • Coverage that can start lean and be adjusted later as the household stabilizes.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

Best car insurance for NJ college students

College life involves a lot of things, but “predictable driving habits” usually isn’t one of them. Students may go weeks without touching the car, then suddenly drive home for a weekend or road trip out of town. That stop-start pattern can make it surprisingly easy to end up with the wrong setup or pay for coverage you don’t really need.

Jerry has helped 4,834 college students in New Jersey find affordable coverage that still protects them on and off campus. GEICO, Progressive and Bristol West are the most common choices for college students buying auto insurance through Jerry. Here’s why.

1. GEICO

Recent college driver quotes

• Why we recommend GEICO:

  • Claim Forgiveness can be earned or purchased in many states.
  • DriveEasy Dashboard shows trips, driving stats and safety tips.
  • Good student discount for eligible full-time students.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

2. Progressive

Recent college driver quotes

• Why we recommend Progressive:

  • Good student discount available in most states.
  • No age limit on a parent policy if living at home or in full-time college.
  • College-focused discounts and telematics options.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

3. Bristol West

Recent college driver quotes

• Why we recommend Bristol West:

  • Helpful for quick coverage needs, like a student who just bought a car or needs proof of insurance fast.
  • Payment reminders and missed-payment alerts to reduce accidental lapses during busy school stretches.
  • Online payments and account access that make it easier to manage changes from another city or campus.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

Best NJ car insurance for drivers with violations

If you’ve got a ticket, at-fault accident or DUI, you’ve probably already felt the insurance penalty. Insurers often treat violations as an instant high-risk label, which can drive up premiums and shrink your coverage choices. But high-risk doesn’t mean “no good options.”

Jerry has helped 1,204 New Jersey drivers with violations find coverage this past year at affordable prices, and we keep an eye on your rates so you’ll know when it makes sense to shop again after violations fall off your record and you can potentially save even more.

For many Jerry drivers with violations, the most common coverage wins come from Progressive, GEICO and Bristol West — carriers that tend to be more open to New Jersey drivers with dings on their record.

1. Progressive

Recent quotes post-violation

• Why we recommend Progressive:

  • Deductible Savings Bank can lower deductibles by $50 per claim-free and violation-free policy period.
  • App supports quick policy changes, ID cards and claims filing.
  • Small Accident Forgiveness for a first claim up to $500 in most states.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

• Why we recommend GEICO:

  • Non-owner SR-22 option for proof of insurance without owning a car.
  • DriveEasy enrollment rules vary and may require all drivers on the policy.
  • Claim Forgiveness available in select states for a first qualifying loss.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. Bristol West

• Why we recommend Bristol West:

  • Good fit for drivers with traffic violations, prior insurance gaps or a DUI.
  • SR-22 or FR-44 support available in most states when required.
  • Drivers without a perfect record can still bundle coverage and customize to fit their budget.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

Car insurance options for NJ military families

For military families, driving is rarely consistent. Active-duty, reservist, guard or veteran, you might be commuting one month, storing a car the next and moving states soon after. Jerry has helped New Jersey military families find coverage that fits deployments, PCS moves and the full stretch of military life.

If you qualify for military-focused insurers, keep them in the running. Also consider standard insurers, many offer strong military discounts and flexible policies that Jerry can quote and compare for you.

Here’s how to think about your options.

Option A: Military-only insurers to check directly

Some companies are built specifically for military members and their families. These include USAA, Navy Federal, Armed Forces Insurance and similar providers.
If you’re eligible, they at least belong on your short list. That’s because they’re designed around deployments, PCS orders and frequent moves. These insurers often have storage or reduced-use options when your car sits on base or at home during deployment. Additionally, their customer service teams understand military pay, orders and timelines in a way civilian-focused insurers sometimes don’t.

Because of how these insurers work, Jerry can’t always show live quotes or internal ratings for them. If you qualify, the smart move is to:
1. Use Jerry to see how strong your options are with standard insurers, then
2. Get a direct quote from one or more military-only insurers and compare.

That way, you’re not guessing. You’re stacking their offer against real, competitive market pricing.

Option B: Standard insurers with strong military benefits (that Jerry can quote)

On top of military-only providers, there are national insurers that offer military discounts, handle deployments and out-of-state moves, and are already deeply integrated with Jerry’s quoting and switching flow.

For many NJ military families, GEICO, State Farm and Progressive are often in the conversation.

1. GEICO

Best for: Flexible deployment-friendly coverage and strong discounts

Why it often works well for service members:

• Military discounts and options to adjust coverage when you deploy or your mileage drops.

• 24/7 support that works across time zones when you’re OCONUS or on irregular schedules.

• Easy app-based policy access for quick proof of insurance, claims or changes between duties.

2. State Farm

Best for: Families moving between bases and states

Why it often works well for service members:

• Massive nationwide agent network, useful if you PCS and want continuity of service.

• Familiar, local agents near many bases and military communities.

• Simple bundling if you buy a home or condo near base and want to protect everything under one roof.

3. Progressive

Best for: Tech-forward, frequently changing situations

Why it often works well for service members:

• Competitive pricing across a wide range of driver profiles, including frequent movers.

• Strong digital tools for updating addresses, mileage and garaging as life changes.

• Good add-ons (like rental and roadside) that matter when you’re far from home support.

Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can show you in minutes how GEICO, State Farm, Progressive and other standard insurers price your situation in New Jersey.

Best car insurance for senior drivers in New Jersey

If you’ve been driving for decades, you’ve earned the right to expect more from your insurer. Many New Jersey drivers over 65 want predictable coverage, responsive service, and a carrier that doesn’t nickel-and-dime them. Jerry often recommends GEICO, Progressive and Bristol West for that reason.

In the last 12 months, we’ve helped 1,878 New Jersey seniors find coverage designed around how they actually drive now, not assumptions.

1. GEICO

Recent senior driver quotes

• Why we recommend GEICO:

  • Five-year good driving discount for drivers with clean records.
  • Optional roadside assistance to help manage towing and lockout costs.
  • Multi-policy and multi-vehicle discounts that can add up for households consolidating coverage.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

2. Progressive

Recent senior driver quotes

• Why we recommend Progressive:

  • Snapshot telematics base price on hard braking, rapid acceleration, time of day, miles driven and phone use.
  • Pet injury coverage included with collision coverage, for up to $1,000 in vet bills after an accident.
  • Small Accident Forgiveness for a first claim up to $500 in most states.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

3. Bristol West

Recent senior driver quotes

• Why we recommend Bristol West:

  • Payment reminders to reduce accidental nonpayment lapses.
  • Billing flexibility for fixed-income planning.
  • Options like towing and roadside service available.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

How Jerry picks the best insurers in New Jersey

Most sites just sort companies by price. Jerry does more. 

No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real New Jersey driver data, this score evaluates insurers on:

What does all of this mean for you? Jerry options are tailored to how you actually drive and what you own, so you can make the best possible and most informed decision when shopping for coverage in New Jersey.