Updated: November 18, 2024
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In New Jersey, Amica Mutual stands out with the highest MoneyGeek score for car insurance, considering diverse criteria. For minimum coverage seekers, NJM is the top choice, while families with teen drivers might find Travelers most suitable. Different needs warrant unique considerations when selecting an insurer.
For those prioritizing cost, MoneyGeek also analyzed the cheapest car insurance in New Jersey, if budget is your primary consideration.
Best Car InsuranceNew JerseyBest Car Insurance in New Jersey
Why Trust MoneyGeek? We created an insurance scoring system for providers in New Jersey based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in New Jersey.
New Jersey's top car insurance provider, according to MoneyGeek's comprehensive analysis, is Amica Mutual, with an impressive score of 92 out of 100. Scores among rated companies range from 70 to 92, showcasing varying levels of performance within MoneyGeek's baseline scoring system. It's important to note that insurers might have different scores depending on the driver profile.
How does MoneyGeek score companies?
When evaluating insurers, MoneyGeek places a significant emphasis on customer satisfaction and affordability, but also considers claims experience and offered coverages. The Overall MoneyGeek scores reflect these priorities, highlighting the importance of a balanced approach to measuring insurer performance.
Certain insurers did not qualify for a MoneyGeek score, as they could not be rated on all five scoring components. For instance, New Jersey Skylands Insurance is one such insurer without a complete set of scores, yet it demonstrates strengths in specific areas such as customer satisfaction and affordability, where it outperforms others.
| Amica Mutual | 92 | $1,895 |
| NJM | 87 | $950 |
| Travelers | 87 | $1,244 |
| Plymouth Rock Assurance | 85 | $946 |
| Mercury | 84 | $1,689 |
| GEICO | 84 | $1,049 |
| State Farm | 83 | $1,735 |
| Allstate | 82 | $1,276 |
| Progressive | 81 | $1,709 |
| Foremost | 78 | $2,305 |
| Hanover | 70 | $3,565 |
| New Jersey Skylands Insurance | No Data | $1,882 |
MoneyGeek found that Amica Mutual is the best option in New Jersey for those seeking the best full coverage car insurance. Here's how two top providers compare:
Amica Mutual stands out notably due to its exceptional claims handling and customer satisfaction. In New Jersey, drivers can find a spectrum of companies offering varied costs and service experiences. For drivers focused on expenses, MoneyGeek also analyzed the companies that offer the cheapest full coverage car insurance in New Jersey, which is a valuable resource for those seeking to balance quality with affordability.
Ranks well in state for general customer satisfaction, at 2nd place
Ranks top in state for claims satisfaction, at 1st place
Offers rare coverages like glass deductible modification and identity theft coverage
Ranks 1st for key coverages
Does not excel in customer service with a score of 34.58
Ranks 10th in state for cost, with an average annual premium of $1,895
Does not offer OEM Coverage
Amica Mutual scores highly in satisfaction and claims handling, which are the core components elevating its overall MoneyGeek score. The company offers both common car insurance coverages: Roadside assistance and rental car and/or travel reimbursement. It also provides reasonably common coverages like new car replacement, accident forgiveness and gap Insurance. Despite the availability of these options, what truly makes Amica Mutual a great choice are its remarkable satisfaction (34 out of 35) and claims handling (20 out of 20) scores.
Customers looking for additional protection can benefit from Amica Mutual's rare coverages. Glass deductible modification allows policyholders to pay extra and reduce their deductible for glass repairs, making it cost-effective after incidents like stone chips. Identity theft coverage provides credit monitoring and assistance to prevent or resolve identity theft, a growing concern in the digital age. Furthermore, full glass coverage, which supports repair or replacement of your windshield without a deductible, can be a valuable asset for drivers in regions prone to road debris or harsh weather conditions. These coverages reflect Amica Mutual's commitment to comprehensive customer care.
MoneyGeek found that Amica Mutual is the best option in New Jersey for car insurance customer service.
Amica Mutual stands out for its exceptional satisfaction and claims handling scores, which are the biggest contributors to its nearly perfect MoneyGeek score. Amica Mutual delivers this high-caliber service at a more affordable cost than its closest competition, Hanover.
In New Jersey, drivers can choose from car insurance providers with varied customer service satisfaction and claims experiences. High-quality customer service is critical in the insurance industry as it influences the ease with which customers resolve claims. Good claims handling is also crucial since it affects the speed and fairness with which customers are compensated after an accident. Selecting a company like Amica Mutual, with a proven track record of excellent customer satisfaction and claims services, ensures drivers are supported.
Ranks 2nd in state for general customer satisfaction
Ranks 1st in state for claims satisfaction
Offers rare coverages like glass deductible modification and identity theft coverage
Does not excel in customer service
Does not offer original equipment manufacturer (OEM) coverage
Driven by exceptional satisfaction and claims handling scores, this insurer is a standout choice. It covers both common car insurance coverages, rental car and/or travel reimbursement and roadside assistance. While not offering any rare coverages is a slight negative, its high scores make it a great option.
Accident forgiveness is an asset, potentially saving drivers from rate hikes after their first accident. Glass deductible modification proves to be valuable, especially for those prone to windshield damage, where a full replacement can be costly. This coverage ensures peace of mind, minimizing out-of-pocket costs. identity theft coverage is another commendable offering, providing critical support in the event of identity theft, a concern for many in the digital age. Amica Mutual not only ensures that your vehicle is protected but also safeguards personal information. With top satisfaction at 44 (out of 45) and claims at 30 (out of 30), this insurer is poised to deliver an exceptional customer experience.
MoneyGeek found that NJM is the best option in New Jersey for drivers looking for the most cost-effective car insurance for minimum coverage.
NJM stands out for its leading combination of high customer satisfaction and affordability, which are significant contributors to its overall MoneyGeek score. The annual cost of NJM for a minimum coverage policy is just $603, emphasizing it's the minimum insurance required by law in New Jersey.
While NJM offers a competitive premium for minimum coverage in New Jersey. Drivers should be cautious about choosing a policy based solely on price, since this may not provide adequate protection in the event of an accident, leading to potentially higher out-of-pocket expenses for underinsured motorists.
Offers rare discounts like anti-lock brakes and new vehicle
Ranks 1st in state for general customer satisfaction
Holds 1st place in key coverages
Ranks 3rd in state for affordability with an average annual premium of $603
NJM Insurance shines in satisfaction and coverage, contributing significantly to its outstanding MoneyGeek Score of 85. With an average annual premium of just $603, drivers benefit from affordable and substantial coverage. Customers can take advantage of reasonably rare discounts, enhancing their savings even further.
NJM stands out for its breadth of discounts, offering common ones such as bundling and safe driving. However, what sets them apart are the additional types of savings offered. With tailored discounts such as electronic payment and full coverage, NJM meets the needs of diverse drivers. These practical discounts promise utility and convenience, ensuring clients only pay for the coverage they need.
NJM boasts a high affordability score of 37 (out of 40) and has perfect scores in satisfaction and coverage—25 (out of 25) and 10 (out of 10), respectively. This combination of affordability, customer satisfaction, coverage options and financial stability secures NJM's top-tier MoneyGeek Score of 85.
Driver age significantly influences car insurance rates in New Jersey, affecting costs, coverages and available discounts. MoneyGeek found that Travelers, with a score of 92, is the best option for teens, costing around $2,269 annually. For young adults and seniors, Amica Mutual prevails with scores of 93 and 92 respectively and offers yearly premiums at approximately $1,897 for young adults and $1,762 for seniors. These companies provide the right balance of satisfaction, affordability, claims handling and stability for different age groups.
Best for teens: Travelers
Best for seniors: Amica Mutual
Best for young adults: Amica Mutual
MoneyGeek found that Travelers is the best option in New Jersey for teenage drivers seeking car insurance, showcasing an excellent blend of customer satisfaction and financial stability.
Travelers stands out for its superior claims handling and a high satisfaction rating. Travelers makes for an especially compelling choice with an annual premium of $2,269 for a teen policy, though for cheap car insurance for a teen in New Jersey, adding a teen to a family policy proves more budget-friendly.
Insurance premiums for adding a teen to a car insurance policy are steep in New Jersey, as in other states, due to the inherent risk associated with young, inexperienced drivers. Insurers calculate higher premiums to balance the increased likelihood of accidents and claims involving teen drivers.
Offers good student, distant student, and driver's education discounts
Ranks 1st in the state for claims handling
2nd in the state for affordability, average annual premium $2,269 for full coverage
Ranks 4th in the state for customer satisfaction
Travelers Insurance stands out with a MoneyGeek Score of 92, bolstered by perfect scores in coverage (10 out of 10) and claims handling (20 out of 20). Travelers presents valuable discounts to support young drivers, such as the good student discount for drivers in full-time educational programs, the distant student discount for students studying away from home, and the driver's education discount, promoting enhanced driving skills through approved courses.
Roadside assistance can offer drivers immediate help with breakdowns or minor roadside issues, providing peace of mind during travel. Moreover, new car replacement coverage ensures that owners of new vehicles can afford a similar new car after a total loss.
MoneyGeek found that Amica Mutual is the best option in New Jersey for seniors seeking car insurance. Here are the top two providers according to the MoneyGeek scores:
Amica Mutual stands out as the top choice largely due to its exceptional satisfaction score. For seniors to access cheap car insurance in New Jersey, the annual cost of a policy from the winner, Amica Mutual, is $1,762. It is essential to note that, while cheap car insurance for a senior in New Jersey may cost more than for those in younger age brackets, the difference is not as pronounced for seniors in their 60s. Seniors in their 70s and 80s may see higher rates due to the inherent risk factors considered by insurers.
Offers roadside assistance, rental car and travel reimbursement
Ranks 2nd in state for customer satisfaction
Leads state in claims handling with a 1st place rank
Ranks 9th in state for affordability; average annual premium is $1762
Missing out on full glass coverage
Amica Mutual has strong customer service and effective claims resolution, key contributors to its high MoneyGeek score of 92. Despite lacking both roadside assistance and rental car/travel reimbursement coverages, its high marks in affordability, satisfaction and stability more than compensate. Amica Mutual’s average annual premium is $1,762, and although the company does not offer senior discounts, its competitive pricing may still appeal to budget-conscious seniors.
Amica's industry-leading satisfaction (35 out of 35) and claims (20 out of 20) scores reveal a commitment to customer service excellence and efficient claim processing. Its full coverage score (10 out of 10) indicates that it offers a range of common coverages that meet the needs of most consumers.
MoneyGeek found that Amica Mutual is the best option in New Jersey for car insurance for young adults, delivering the highest MoneyGeek score among its competitors.
Amica Mutual has excellent satisfaction, affordability, claims handling and coverage options, particularly for drivers in their 20s, which contributed the most to their overall score. The annual cost for a young adult's policy with Amica Mutual is $1,897, emphasizing that to get cheap car insurance for a young adult in New Jersey, it is often slightly more than what is paid by older individuals.
The higher cost of car insurance for young adults in New Jersey and other states is generally attributed to the perceived risk insurers associate with younger drivers. As a result, premiums are adjusted accordingly to mitigate the potential for financial loss on the part of insurance providers.
Ranks well in state for customer satisfaction, ranking 2nd
Leads in state for claims satisfaction, ranking 1st
Offers good student, distant student and driver's education discounts
Ranks 8th in state for cost, with an average annual premium of $1,897
Amica Mutual has an outstanding MoneyGeek score of 93. Despite lacking specific discounts tailored for young drivers in school, the company’s high affordability and exceptional service more than compensate. Amica Mutual offers a comprehensive suite of common coverages, although details on the availability of rentalcCar and/or travel reimbursement and roadside assistance are not provided.
Amica Mutual’s offerings are complete with industry-leading service and reliability. With a satisfaction score of 35 (out of 35) and claims handling score of 20 (out of 20), reflects the company’s commitment to customer care. The coverage score of 10 (out of 10) underscores the extensive protection customers can expect, while the stability score of 4 (out of 5) speaks to Amica's longstanding dependability in the marketplace.
MoneyGeek found that Amica Mutual is the best option in New Jersey for drivers with offenses, boasting the highest MoneyGeek score among competitors.
Amica Mutual stands out in New Jersey because of its exceptional satisfaction and affordability scores. The data used by MoneyGeek comprises a blend of drivers with speeding tickets, at-fault accidents and DUIs. With a blend emphasizing customer satisfaction and cost-effectiveness, Amica Mutual offers an annual premium of $2,561 for a driver with offenses.
For those seeking cheap car insurance as a high risk driver in New Jersey, the price is relatively competitive, though typically more than the premiums for drivers in other demographics such as those in their 30s, 40s or 50s. Car insurance rates are higher for drivers with infractions due to the increased risk they pose. Insurers adjust premiums to account for the likelihood of another claim being filed.
Ranks well in state for general customer satisfaction. Ranked 2
Ranks well in state for claims satisfaction. Ranked 1
Offers common coverages like roadside assistance and rental car/travel reimbursement
Provides reasonably common coverages: accident forgiveness and new car replacement
Doesn't excel in customer service; score of 34.58
Costlier than some insurers, ranking 8th in affordability; average annual premium $2,561
Lacks rare coverages like glass deductible modification and identity theft coverage
Amica Mutual stands out with a high MoneyGeek score of 91. While it lacks additional coverages such as roadside assistance, rental car/travel reimbursement, accident forgiveness, and new car or better car replacement, its scores in customer service and reliability more than compensate. With an average annual premium of $2,561 and an affordability score of 22 (out of 30), it presents an affordable option for those with driving offenses.
Amica Mutual offers robust insurance despite not providing the four specific coverages tailored for drivers with a poor record. Its high satisfaction score of 35 (out of 35) underscores an exceptional customer experience, and its perfect claims handling score of 20 (out of 20) promises efficiency in addressing claims. The company's coverage score of 10 (out of 10) further indicates comprehensive protection. These attributes and a solid stability score of 4 (out of 5), make Amica Mutual a preferred choice for individuals prioritizing service quality and reliability.
MoneyGeek found that Travelers is the best option in New Jersey for drivers of new cars seeking dependable car insurance.
Travelers stands out not only for its high MoneyGeek score but also because it offers coverages that MoneyGeek deems essential for drivers with new vehicles, such as new car replacement and better car replacement. These coverages can ensure drivers are compensated for the full value of a new vehicle, without depreciation, in case of an accident. Opting for an insurer like Travelers, with a competitive annual cost of $1,369, could result in financial savings in the long run, even with potentially higher upfront premiums. For a new vehicle owner, this could mean avoiding out-of-pocket expenses that would arise from standard insurance payouts, which only cover the depreciated value of the car.
Ranks well in claims satisfaction; 1st in the state for new car owners
Ranks well for cost; 1st out of insurers, with an average annual premium of $1,369 for full coverage
Offers new car replacement, enhancing value for new car owners
Ranks 1st in the state for key coverages, beneficial for new car owners
Does not excel in non-claims customer service with a rank of 3 in the state
Does not offer riginal equipment manufacturer (OEM) coverage, which could be a drawback for some new car owners
Affordability and claims handling explain Travelers' stellar 93 out of 100 MoneyGeek score, indicating a balanced offering that values cost-effectiveness and customer service. On average, a Travelers’ policyholder may expect to pay an annual premium of approximately $1,369.
Travelers offers the advantageous new car replacement coverage, an excellent option for drivers with new cars seeking full-value replacement after a total loss. In the event of a complete loss within the first five years, this coverage replaces the car with a brand-new model—a significant benefit for those looking to preserve the value of their new car. This is complemented by Travelers’ common coverages such as roadside assistance and rental car and/or travel reimbursement, and coverages like accident forgiveness and gap insurance. Each score contributing to its overall rating—satisfaction 28 (out of 35), affordability 30 (out of 30), claims 20 (out of 20) and coverage 10 (out of 10)—illustrates Travelers’ commitment to comprehensive protection and client satisfaction.
MoneyGeek found that Amica Mutual is the best option in New Jersey for military members seeking the top car insurance.
While USAA is a strong contender known for its dedication to serving military members and their families, it did not offer quotes for review in New Jersey. For those with a military background, USAA is also a commendable choice (USAA Review).
Amica Mutual has the highest overall MoneyGeek score in New Jersey, particularly due to its excellent satisfaction, claims handling and coverage options. With its annual premium at $1,895, Amica Mutual is an ideal match for those balancing cost, coverage and quality of service. Military drivers who have their focus on rates can explore the cheapest car insurance in New Jersey for military drivers.
Ranks well in state for general customer satisfaction
Ranks first in state for claims satisfaction
Offers rare coverages like glass deductible modification and identity theft coverage, ranking first for key coverages
Does not excel in non-claims customer service
Costlier with an affordability rank of 10th in state
Does not offer rental car and/or travel reimbursement or OEM Coverage
Amica Mutual leads with an outstanding MoneyGeek score, bolstered by its high satisfaction (34 out of 35) and perfect marks in claims handling (20 out of 20) and Coverage (10 out of 10). While USAA typically caters to military families, Amica Mutual serves a broader market with an average annual premium of $1,895.
Amica Mutual ensures its customers have access to essential coverages, but currently does not offer rare or reasonably common coverages that are widely applicable; it has a superior satisfaction score, ensuring a positive customer experience. Amica Mutual demonstrates its dedication to efficient and fair claims resolution. The full coverage score indicates a comprehensive offering that meets a variety of insurance needs.
In New Jersey, securing optimal car insurance means finding a provider that excels in affordability, financial solvency and exemplary service. MoneyGeek has streamlined this process, meticulously analyzing these factors for you. There are at least four vital steps you should consider to ensure a thorough evaluation.
Exceptional customer service is vital for car insurers in New Jersey, ensuring swift and empathetic responses to claims and inquiries. Independent data providers like JD Power and NAIC offer insights into a company's service record. Amica Mutual stands out with a MoneyGeek customer satisfaction score of 44 (out of 45) and a claims score of 30 (out of 30), reflecting their commitment to service excellence.
Comparing car insurance quotes in New Jersey can lead to significant savings without compromising on service quality. Personal research tailored to individual backgrounds can uncover the most cost-effective options. MoneyGeek's analysis identifies NJM as the top choice for minimum coverage, offering an annual premium of $603, blending affordability with reliable coverage.
Selecting the right coverages is vital when choosing a car insurer. It's important to research which insurers provide coverages that align with your needs. Plymouth Rock Assurance, Hanover, Foremost, Travelers, Progressive, NJM and Amica Mutual all received a perfect MoneyGeek coverage score of 10, meaning they offer comprehensive options including rental car/travel reimbursement, roadside assistance, gap Insurance and OEM coverage.
Opting for an insurer with a strong financial stability rating minimizes the risk of claim denial due to the company's financial issues. It's worth investigating these ratings before making a decision. According to MoneyGeek, Travelers, State Farm and GEICO each earned a perfect stability score of 5, indicating an A++ financial strength rating from A.M. Best and underscoring their reliability in fulfilling claims.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
NJM is determined to be the best for cheap car insurance in New Jersey, with an annual premium of $603 for a minimum coverage policy and an overall MoneyGeek score of 85. Minimum coverage policies may offer less protection, and consumers should consider shopping around to find affordable full coverage options that provide more comprehensive protection.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
