Cheapest Car Insurance in New Jersey (October 2025)

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Updated: October 3, 2025

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Key Takeaways

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The cheapest car insurance companies in New Jersey for most drivers are Plymouth Rock, Selective and NJM, offering average savings of up to 35%.

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Car insurance costs can be as low as $47 for minimum coverage and $86 for full coverage policies on average in New Jersey.

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To discover the most budget-friendly car insurance, analyze cost data and top insurance companies in New Jersey, capitalize on discount programs and compare quotes from multiple insurers.

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Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Cheapest Liability Only Car Insurance in New Jersey

Plymouth Rock Insurance offers the cheapest liability-only car insurance in New Jersey at $66 monthly or $794 annually, providing the most affordable option in one of the nation's most expensive insurance markets. New Jersey's high population density and strict regulations contribute to elevated baseline costs across all providers.

Selective Insurance ($70 monthly) and NJM Insurance ($87 monthly) offer competitive alternatives, while Amica ($86 monthly) and Farmers ($103 monthly) round out the top five. Even the cheapest options in New Jersey cost significantly more than most other states as of October 2025.

Plymouth Rock Insurance$66-35%
Selective Insurance$70-32%
NJM Insurance$87-22%
Amica$86-17%
Farmers$103-15%

*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.

New Jersey requires minimum liability coverage of $15,000 for bodily injury per person, $30,000 per accident, and $5,000 for property damage, plus $15,000 for personal injury protection (PIP). These relatively low limits seem inadequate given the state's high cost of living and dense traffic conditions.

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GEEK SPEAK: MARK'S THOUGHTS ON LIABILITY-ONLY INSURANCE

New Jersey's insurance costs are brutal, but there's a reason—you're driving in one of the most densely populated areas in the country with some of the most aggressive drivers you'll encounter. Those minimum limits of 15/30/5 are honestly laughable when a fender-bender in Princeton can easily cost $8,000.

Add in the fact that you're surrounded by expensive cars driven by people who aren't afraid to sue, and those minimum limits start looking pretty inadequate. Plus, no comprehensive coverage means you're on your own when nor'easters dump trees on your car.

Sure, you'll meet the legal minimums, but in New Jersey, that might not be nearly enough protection for your wallet.

Remember, the cheapest insurer isn't necessarily the best car insurance for your specific situation. If you're considering full coverage, scroll down to see the cheapest options for full coverage in New Jersey.

Cheapest Full Coverage Car Insurance in New Jersey

Plymouth Rock Insurance continues to lead New Jersey's expensive insurance market, offering the cheapest full coverage at $121 monthly or $1,455 annually—maintaining the same position it holds for minimum coverage. This consistency makes Plymouth Rock a reliable choice for New Jersey drivers seeking comprehensive protection in a high-cost state.

Selective Insurance ($126 monthly) and NJM Insurance ($137 monthly) offer competitive alternatives, while Farmers ($142 monthly) and Amica ($152 monthly) round out the top five. New Jersey drivers face higher costs overall but still have multiple options for comprehensive coverage as of October 2025.

Plymouth Rock Insurance$121$1,455
Selective Insurance$126$1,511
NJM Insurance$137$1,649
Farmers$142$1,700
Amica$152$1,829

*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

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LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN NEW JERSEY

We've created additional guides below to help you in your search for the best and cheapest car insurance in New Jersey:

Compare the Cheapest Car Insurance in New Jersey for You

The tables above show overall winners, but your cheapest option depends on your specific situation. For example, NJM offers the lowest rates at $144 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
NJM Insurance$114$1,368-56%$-1,773
Plymouth Rock Insurance$161$1,933-38%$-1,208
Amica$179$2,147-32%$-994
Selective Insurance$203$2,439-22%$-702
Geico$219$2,629-16%$-512

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in New Jersey by City

Plymouth Rock Insurance offers the most affordable minimum coverage rates in 13 of New Jersey's 19 largest cities analyzed, while NJM Insurance claims four markets and Selective Insurance secures two communities. This pricing landscape reflects New Jersey's notably higher insurance costs compared to most other states as of October 2025.

Minimum coverage costs across New Jersey's major cities range from $57 to $85 monthly. Middletown and Hamilton Square residents enjoy the state's lowest rates at $57 to $58 monthly through Selective Insurance, while Elizabeth drivers face the highest premiums at $85 monthly with Plymouth Rock Insurance. Urban centers like Newark, Jersey City, and Paterson maintain elevated rates between $80 and $85 monthly.

BayonnePlymouth Rock Insurance$71-37%$-59
BrickNJM Insurance$72-25%$-32
CamdenPlymouth Rock Insurance$69-46%$-82
CliftonNJM Insurance$85-35%$-59
East OrangePlymouth Rock Insurance$75-44%$-82
EdisonPlymouth Rock Insurance$61-37%$-51
ElizabethPlymouth Rock Insurance$85-40%$-78
FranklinNJM Insurance$66-29%$-36
Hamilton SquareSelective Insurance$57-32%$-38
Jersey CityPlymouth Rock Insurance$81-36%$-65
LakewoodPlymouth Rock Insurance$76-30%$-47
MiddletownSelective Insurance$57-32%$-38
NewarkPlymouth Rock Insurance$84-40%$-80
Old BridgePlymouth Rock Insurance$68-31%$-42
PassaicPlymouth Rock Insurance$80-40%$-76
PatersonPlymouth Rock Insurance$85-39%$-75
Toms RiverNJM Insurance$72-25%$-32
TrentonPlymouth Rock Insurance$72-32%$-49
WoodbridgePlymouth Rock Insurance$68-32%$-46

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Cheapest Car Insurance in New Jersey By Driver Age Group

We analyzed car insurance rates across New Jersey for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:

  • Young drivers can find the lowest rates with GEICO, starting at $98 per month
  • Adult drivers get the best deals from Plymouth Rock, with rates from $67 per month
  • Senior drivers will find affordable coverage through Selective, starting at $70 per month

Cheapest Car Insurance for Young Drivers in New Jersey

Young drivers in New Jersey get their best rates from GEICO. Minimum coverage costs $98 per month, saving drivers 59% compared to other providers. NJM leads for full coverage at $216 monthly, saving young drivers 48%.

Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Geico$98$1,177-59%$-1,717
NJM Insurance$135$1,614-44%$-1,280
Plymouth Rock Insurance$158$1,894-35%$-1,001
Amica$176$2,116-27%$-778
Selective Insurance$180$2,159-25%$-736

Cheapest Car Insurance for Adult Drivers in New Jersey

Plymouth Rock offers New Jersey's lowest rates for adult drivers: $67 monthly for minimum coverage and $121 for full coverage.

Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Plymouth Rock Insurance$67$806-34%$-409
Selective Insurance$68$814-33%$-400
NJM Insurance$74$890-27%$-325
Geico$82$980-19%$-234
Amica$84$1,006-17%$-208

Cheapest Car Insurance for Senior Drivers in New Jersey

Selective offers New Jersey seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,517 annually, while minimum coverage runs $838 per year.

Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Selective Insurance$70$838-44%$-660
Amica$83$996-34%$-502
Plymouth Rock Insurance$93$1,112-26%$-386
NJM Insurance$93$1,114-26%$-384
Geico$115$1,381-8%$-117

Cheapest Car Insurance for High-Risk Drivers in New Jersey

 We studied four core areas for profiles insurers consider particularly high-risk in New Jersey including those with bad credit, DUIs, accidents, speeding tickets and texting while driving. Here are the providers that offer the best rates for each group:

  • Cheapest for Bad Credit: GEICO (From $85/mo)
  • Cheapest With a DUI: Plymouth Rock (From $78/mo)
  • Cheapest With an Accident: NJM (From $93/mo)
  • Cheapest With a Speeding Ticket: Selective (From $70/mo)

Cheapest Car Insurance for Bad Credit in New Jersey

GEICO offers New Jersey drivers with bad credit the most affordable car insurance rates. Annual premiums start at $1,063 for minimum liability coverage and $2,376 for full coverage policies with comprehensive and collision protection.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Geico$256$3,069-39%$-1,934
Mercury Insurance$378$4,535-9%$-468
NJM Insurance$177$2,121-58%$-2,882
Plymouth Rock Insurance$361$4,328-14%$-676
Travelers$339$4,071-19%$-932

Cheapest Car Insurance With a DUI in New Jersey

Plymouth Rock ranks as the most affordable option for New Jersey drivers with DUIs, offering annual rates of $951. NJM provides the next best value with premiums of $1,080 per year.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
NJM Insurance$162$1,946-60%$-2,939
Plymouth Rock Insurance$233$2,798-43%$-2,087
Geico$236$2,835-42%$-2,050
Progressive$244$2,928-40%$-1,957
Mercury Insurance$272$3,258-33%$-1,627

Cheapest Car Insurance With an Accident in New Jersey

New Jersey drivers with an accident on their record can find the most affordable coverage through NJM at $80 per month ($959 annually).

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
NJM Insurance$144$1,732-56%$-2,185
Geico$207$2,486-37%$-1,431
Plymouth Rock Insurance$268$3,222-18%$-696
Travelers$288$3,456-12%$-462
Selective Insurance$289$3,465-12%$-453

Cheapest Car Insurance With an Speeding Ticket

New Jersey drivers with speeding tickets can find the lowest insurance rates with Selective. The provider offers minimum coverage at $814 per year, while full coverage costs $1,478 annually.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Selective Insurance$68$814-42%$-594
Plymouth Rock Insurance$76$914-35%$-494
Geico$82$980-30%$-428
NJM Insurance$90$1,080-23%$-328
Amica$101$1,207-14%$-201

Cheapest Car Insurance With a Texting While Driving Violation

Plymouth Rock offers the most affordable rates for New Jersey drivers with a texting-while-driving violation. Minimum coverage averages about $82 per month, or $982 per year, which is roughly 40% cheaper than the state average.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Plymouth Rock Insurance$82$982-40%$-647
NJM Insurance$90$1,080-34%$-549
Selective Insurance$92$1,106-32%$-522
Geico$92$1,108-32%$-521
Travelers$135$1,6230%$-6

How to Get the Cheapest Car Insurance in New Jersey

Finding the most affordable insurance companies is just one part of getting the best car insurance rates in New Jersey. Here are proven strategies to save the most on auto insurance.

  1. 1

    Understand your policy choices

    New Jersey drivers must choose between a Basic Policy and a Standard Policy. The Basic option is the least expensive but offers very limited protection. The Standard Policy costs more but allows higher liability limits and customizable PIP coverage, which most drivers find necessary for adequate protection.

  2. 2

    Meet state minimum requirements

    A Basic Policy includes:

    • $5,000 property damage liability
    • $15,000 Personal Injury Protection (PIP), with up to $250,000 for certain severe injuries

    Bodily injury liability is optional under the Basic plan but mandatory with a Standard Policy, starting at 15/30 ($15,000 per person, $30,000 per accident).

  3. 3

    Consider special programs

    Low-income drivers may qualify for New Jersey’s Special Automobile Insurance Policy (SAIP), also called the Dollar-a-Day policy. It covers emergency medical treatment after a crash but excludes property damage and liability, making it a last-resort option for those with limited means.

  4. 4

    Compare statewide insurers

    Premiums vary widely between dense urban areas like Newark, Jersey City, and Camden, and suburban or rural regions. Always compare quotes from both national carriers and local mutual insurers to find the lowest rate for your ZIP code.

  5. 5

    Bundle policies to save more

    Homeowners, renters, and condo owners can unlock additional savings by bundling their auto insurance with property coverage.

  6. 6

    Use discounts strategically

    Completing a state-approved defensive driving course can reduce points on your license and lower your premium. Many New Jersey insurers also offer discounts for safe-driving telematics programs, good student performance, or paying your policy in full.

  7. 7

    Last-resort coverage through PAIP

    Drivers who are denied coverage in the voluntary market can still obtain required liability protection through the Personal Automobile Insurance Plan (PAIP), the state’s assigned-risk pool.

Risks of Getting the Cheapest Car Insurance in New Jersey

New Jersey requires drivers to carry liability insurance with minimum coverage of 15/30/5, plus $15,000 in Personal Injury Protection (PIP) coverage. As a no-fault state, New Jersey requires PIP to cover your medical expenses regardless of who causes an accident. But minimum coverage leaves you exposed to major financial risks:

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    Vehicle damage if you're at fault won't be covered

    Without collision coverage, you'll pay all repair costs if you cause an accident. In New Jersey, average property damage claims hit $4,800 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage (which typically includes a deductible you'll pay before coverage kicks in) to protect against expensive repairs.

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    Weather risks make damage to your car more likely and aren't covered

    New Jersey gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reported significant weather-related property damage across New Jersey in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, flooding and falling objects that frequently impact the state.

    injury icon

    Bodily injury damage is more likely to be higher than the minimum limits

    New Jersey's minimum bodily injury coverage of $15,000 per person often isn't enough for serious accidents. Insurance Information Institute data shows average bodily injury claims in New Jersey reached $22,800 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.

    uninsured icon

    Not having uninsured motorist coverage opens you up to unexpected costs

    New Jersey has a low uninsured driver problem, with 3.1% of drivers lacking insurance according to the Insurance Information Institute. While lower than the national average, if an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these scenarios.

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    Vehicle theft damage is more likely and uncovered

    Car theft is a real problem in New Jersey, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.

Minimum Coverage Requirements in New Jersey

In New Jersey, drivers must carry auto insurance to legally operate a vehicle. The state uses a choice no-fault system, which means policyholders can select between limited or unlimited rights to sue after an accident. New Jersey offers two types of policies: the Basic Policy, which provides minimal protection, and the Standard Policy, which offers higher limits and more options. Meeting the state’s minimum requirements keeps you legal on the road, but many drivers purchase more coverage for better financial security.

Basic Policy Minimums

Coverage Type
Minimum Required Limit

Bodily Injury Liability

Not required (optional $10,000 per accident available)

Property Damage Liability

$5,000 per accident

Personal Injury Protection (PIP)

$15,000 per person, per accident (up to $250,000 for certain severe injuries)

Standard Policy Minimums

Coverage Type
Minimum Required Limit

Bodily Injury Liability (Per Person)

$25,000 per person

Bodily Injury Liability (Per Accident)

$50,000 per accident

Property Damage Liability

$25,000 per accident

Personal Injury Protection (PIP)

$15,000 per person, per accident (higher limits available)

Uninsured/Underinsured Motorist

$25,000 per person / $50,000 per accident

Cheap Car Insurance in New Jersey: Bottom Line

Plymouth Rock stands out as New Jersey's most affordable car insurance provider across different coverage types and driver profiles. While choosing the lowest-cost option can help you save money, cheapest isn't always best for car insurance. Get as much coverage as you can afford to protect your finances if an accident happens.

Cheap Car Insurance in New Jersey: FAQ

Below we answer common questions about affordable car insurance in New Jersey to help you save money.

What are the cheapest car insurance companies in New Jersey?

Who has the cheapest car insurance rates for young drivers in New Jersey?

Who offers the cheapest car insurance rates for seniors in New Jersey?

Who has the cheapest car insurance in New Jersey for bad credit?

Who has the cheapest car insurance in New Jersey with an accident?

Who has the cheapest car insurance in New Jersey with a DUI?

Who has the cheapest car insurance in New Jersey for those with a speeding ticket?

Should you buy the cheapest car insurance in New Jersey?

How We Found the Most Affordable Car Insurance in New Jersey

MoneyGeek collected auto insurance data from the New Jersey Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in New Jersey.

New Jersey Driver Profile

Our analysis started with a standard driver profile to find the cheapest rates:

  • 40-year-old male
  • 2012 Toyota Camry LE
  • Clean driving record
  • 12,000 miles driven annually
  • Good credit
  • Valid license
  • Currently insured
  • No claims history

We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.

Standard Coverage Levels in New Jersey

We compared car insurance companies in New Jersey that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in New Jersey.

The minimum coverage liability limits in New Jersey are:

  • $15,000 per person for bodily injury

  • $30,000 per accident for bodily injury

  • $5,000 per accident for property damage

    Plus required Personal Injury Protection coverage.

For full coverage policy rates, we used the following liability limits:

  • $100,000 for bodily injury liability per person
  • $300,000 for bodily injury liability per accident
  • $100,000 for property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.

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