Good news for New Jersey drivers: Jerry’s latest data shows that liability coverage in the Garden State averages about $514 per month. Because New Jersey is a no-fault state, every driver must carry personal injury protection (PIP), and the policy type you choose — basic or standard — plays a major role in what you’ll pay. Over the past year we’ve helped 15,814 drivers New Jersey residents cut their costs, and those who switch with Jerry save an average of $-662 per year without losing essential protection.
Jerry compares quotes from up to 4 trusted insurers in New Jersey to build your policy and secure your best price in minutes.
Save on New Jersey insurance with Jerry.
What New Jersey drivers are paying right now
Insurance prices in New Jersey shift constantly. Dense commuter traffic, high medical claim costs and unique state insurance rules all influence your premium. Even two drivers with similar profiles can see very different rates depending on where they live.
Jerry tracks live quotes statewide to show you what drivers are actually paying today. Below are recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate periodically. In New Jersey, everything from winter storms to PIP claim trends to small changes in your driving profile can influence your renewal price.
4 smart ways Jerry helps New Jersey drivers save on car insurance
Finding the lowest number on a screen doesn’t always give you the best value. Real savings come from understanding how insurers price New Jersey’s unique no-fault system and adjusting what you can safely control.
Jerry handles the hard part by comparing real offers, identifying all the discounts you qualify for and showing you exactly where you can cut costs without weakening your protection.
Here are our top tips to help you spend less and worry less.
| How to save | Average New Jersey driver savings |
|---|---|
| Compare quotes | 40% to 59% |
| Stack discounts | 24% to 33% |
| Pick the right deductible | 13% to 71%* |
| Use telematics | 10% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
New Jersey’s insurance market is shaped by unique legal structures, high medical costs and some of the heaviest traffic density in the country. Add in coastal weather risks and high claim frequency on commuter routes, and it’s easy to see why insurers price risk very differently.
Comparing quotes side by side with Jerry is the fastest way to make sure you aren’t overspending.
Here’s where New Jersey drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | New Jersey drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Only a few miles can make a big difference, and drivers in Hudson or Essex County often see far higher premiums than those in Hunterdon or Morris. Jerry shows you those pricing gaps instantly so you can pick the best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most New Jersey drivers qualify for a surprising number of discounts like safe-driver incentives, multi-car and multi-policy bundles, paperless billing, anti-theft devices, good-student savings and more. But insurers don’t always add every available discount automatically.
Jerry finds the savings you’re eligible for so nothing gets overlooked.
Key takeaway: Stacking discounts often saves more than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible is one of the easiest ways to influence your premium. New Jersey drivers face dense traffic, winter weather, highway debris and high repair costs, so it’s essential to pick a deductible you can genuinely afford if you need to file a claim.
Here’s what Jerry drivers are choosing for their deductibles:
To find the right deductible for your policy:
-
Review your car’s value (Jerry updates this monthly).
-
Choose an amount you can comfortably afford out of pocket.
-
Compare how each deductible level changes your rate in real time.
The Jerry difference: Jerry displays real-time pricing for multiple deductible options so you can choose the right balance of cost and protection.
Jerry Agent Tip 4: Use telematics to set your rate
Telematics programs reward safer habits like gentle braking, smoother acceleration, lower mileage and daytime driving… all especially valuable in a state where congestion and frequent claims push premiums up. Jerry data shows that New Jersey drivers who use telematics save an average of 10%.
Jerry’s DriveShield makes that even easier. It monitors your driving, scores your habits and automatically shops for lower rates once your score qualifies you for a discount. We only share your score with insurers when it can actually reduce your price.
Get personalized car insurance rates now.
How to get better coverage without overpaying
New Jersey offers two policy types, basic and standard, each with different protections and cost levels. On top of that, you’ll choose liability limits, your PIP medical limit and whether you want comprehensive, collision or UM/UIM coverage.
These are the tiers you’ll see when shopping:
Minimum
$133 – $243/mo
Meets New Jersey’s basic policy requirements, but very limited liability and no collision coverage.
Standard
$245 – $469/mo
Expanded liability, UM/UIM and PIP options, making it the most common choice.
Preferred
$307 – $606/mo
Higher limits, lower deductibles and extras like towing or rental reimbursement offer maximum protection.
Key takeaway: Start with your risk comfort level and your car’s value. Jerry shows real-time prices for each coverage tier so you can choose confidently.
Liability-only is the cheapest policy in New Jersey, but a few well-priced add-ons can make a big difference when you need them.
-
Coverage definitions
New Jersey insurance factors at a glance
New Jersey’s insurance costs are shaped by dense population, heavy commuter traffic and high medical treatment expenses under the state’s no-fault system. Understanding these pressures makes it easier to choose coverage that matches your real risks on the road.
High traffic density
Frequent congestion increases accident rates, so collision insurance is important.
PIP medical costs
The state’s no-fault structure leads to higher injury claim expenses and costs.
Urban theft exposure
Car theft rates are elevated in major metro counties, so comprehensive offers more protection.
Uninsured drivers
Over 14% of New Jersey drivers are uninsured, making UM/UIM coverage key.
New Jersey Insurance After a Ticket, Accident or SR-22
Jerry makes sure one mistake doesn’t define your rate for years. We partner with insurers that evaluate your full profile and automatically re-shop your policy as your record improves.
If you got a ticket
New Jersey uses a point system, and violations like speeding, tailgating, unsafe lane changes, texting while driving and careless driving can add points quickly. Even one ticket can raise your premium for years, though some drivers may qualify for defensive driving courses that reduce point totals.
We’ll monitor your driving record after you sign up in the Jerry app. Once your violation clears, Jerry shops for lower rates automatically.
Here are the average rate increases we’ve seen for New Jersey drivers after a ticket:
-
Speeding under 15: -7%
-
Speeding over 15: 25%
-
Failure to obey traffic sign: 38%
-
Reckless driving: 0%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
New Jersey is a no-fault state for medical costs but an at-fault state for property damage claims. An at-fault crash typically raises premiums by an average of 13%, and the increase often lasts three to five years. Jerry finds your lowest available rate now and re-shops your coverage when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in New Jersey brings steep penalties and a significant insurance increase. Expect your premium to rise by 22% onaverage, with the surcharge lasting several years. Some insurers still offer more reasonable high-risk pricing, and Jerry identifies those options for you.
Here are the five cheapest insurers for New Jersey drivers after DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $364 | Yes | |
| $925 | Yes | |
| $439 | ||
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in New Jersey
New Jersey doesn’t use SR-22 or FR-44 forms. Instead, the state verifies insurance electronically and charges an annual surcharge depending on the violation.
If you’ve had a suspension or need to restore your driving privileges, New Jersey may require you to show proof of insurance directly to the MVC when you reinstate your license, but there’s no special certificate. Once you’re insured through any carrier, Jerry compares prices automatically so you can move back to a cheaper policy as soon as you qualify.
Car Insurance with Bad Credit
New Jersey allows insurers to use credit-based insurance scores when setting premiums. But credit is just one factor. Your driving record, claim history, mileage, location and coverage choices often influence your rate even more.
Jerry compares prices instantly so you can find the insurer that treats your credit profile most fairly.
Drive with Confidence
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
New Jersey’s combination of no-fault rules, heavy congestion, coastal weather and high repair costs means no single policy is the cheapest for everyone. The best coverage is the one matched to your real driving life.
Jerry makes that easy by comparing top insurers, finding hidden savings and automatically re-shopping when your price can drop.
Get New Jersey coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
