Do you need car insurance in New Jersey? Liberty Mutual can help protect you no matter where you live in the state, from North Jersey to the Jersey Shore. We customize your auto insurance coverage so you only pay for what you need, including liability protection and comprehensive coverage.
In New Jersey, it is illegal to drive without insurance. The following insurance coverage is required for drivers in New Jersey: bodily injury to others, property damage liability, and uninsured/underinsured motorist coverage.
Finding Cheap Car Insurance in New Jersey
It shouldn’t be difficult to find a good deal on car insurance in New Jersey. We’ve looked at large car insurance companies in the state to help you find the best rates.
Cheap New Jersey car insurance for good drivers
Insurance companies usually prefer to insure good drivers as they don’t often get into accidents or file claims. Based on the companies in our analysis, you might find the best rates for good drivers from Plymouth Rock and GEICO, which have rates much cheaper than the state average.
Cheap New Jersey car insurance for drivers with a speeding ticket
If you are a good driver in New Jersey, you may have to pay over $700 more for a speeding ticket. However, you may be able to find cheaper insurance by shopping around. Consider getting quotes from GEICO and NJM if you have a recent speeding ticket.
Cheap New Jersey car insurance for adding a teen driver
If you live in New Jersey and add a teenager to your car insurance policy, you can expect your rates to more than double. However, by comparison shopping you can find insurers that charge less. We recommend getting quotes from NJM and Geico, who had the lowest rates among the companies we evaluated.
Cheap New Jersey car insurance for young drivers ages 18 to 25
Young drivers who are under the age of 25 generally have to pay higher rates for their car insurance than older drivers. However, by shopping around for quotes from multiple insurers, you may be able to save a significant amount of money. Some companies that you could compare quotes from include Geico, NJM, and Travelers. Additionally, if you are a student, you may be able to get a discount on your car insurance.
Cheap New Jersey car insurance for senior drivers age 65+
Car insurance rates are typically higher for people in their late 60s. If you want to get the cheapest car insurance in New Jersey, it’s a good idea to compare rates from different companies. Geico and NJM are two good options to start with.
Cheap New Jersey car insurance for drivers who caused an accident with an injury
If you cause an accident that results in an injury to someone else, your insurance rates will increase dramatically in New Jersey. In this situation, get quotes from Plymouth Rock, NJM, Selective, and Geico.
Cheap New Jersey car insurance for drivers with a DUI
A DUI conviction can increase the rates of New Jersey drivers with a previous good driving record by an average of 87%. That’s more than $2,000 annually. If you have a DUI on your record, you might find cheaper insurance with NJM, Progressive or Plymouth Rock.
Cheap New Jersey Car insurance for drivers with poor credit
When car insurance companies are setting rates, they will often use a person’s credit as part of that process. However, it can be worth it to shop around because rates can differ between insurance companies, even for those with bad credit. In New Jersey, both Geico and Selective Insurance have excellent rates for drivers with poor credit, so if you’re looking for cheap New Jersey auto insurance, you should get quotes from those companies.
Cheap New Jersey car insurance for adding a teen driver
After putting a teen on your car insurance policy in New Jersey, you can expect your rates to more than double on average. However, you may be able to find a less expensive policy by shopping around with different companies.
Least Expensive Vehicles for Insurance in New Jersey
In New Jersey, the Honda Pilot SE, Chevrolet Colorado and Ford Ranger Lariat are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.
The most expensive vehicles for insurance in New Jersey among popular models are the Tesla Model S Performance ($4,462 per year) and Volvo XC90 T8 Inscription ($3,302 per year).
Required New Jersey Car Insurance
The New Jersey Department of Banking and Insurance has an auto insurance worksheet that provides an overview of the various auto insurance options available in the state. This worksheet will help you understand the different coverage and deductible choices so that you can get auto insurance quotes that fit your needs.
New Jersey Car Insurance FAQs
1. Is Car Insurance Required in New Jersey?
Yes, All New Jersey drivers are required to purchase an auto insurance policy that meets state requirements. They can choose between a basic or standard policy.
2. Which Cars Are Required To Be Insured in New Jersey?
Vehicles must be insured before registering them with the state.
3. When Should I Get Car Insurance in New Jersey?
You need to have auto insurance before you can register your vehicle in New Jersey.
4. Do I Need Uninsured Motorist Coverage in New Jersey?
All drivers who choose the standard auto insurance policy must carry uninsured motorist coverage. Under the standard policy, drivers must carry uninsured and underinsured motorist coverage that is equal to the liability coverage limits they select.
5. Does New Jersey Accept Digital Insurance Cards?
Yes, drivers can use a digital insurance card to show proof of insurance in New Jersey. If using a digital insurance card, drivers must be able to show it on an electronic device (e.g., cell phone, tablet) if they are involved in an accident, stopped for a traffic violation or stopped for a spot check by a member of law enforcement.
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