Car insurance in the state of New Jersey is higher than the national average. This is why finding the best price possible is ideal. Below, you will find the cheapest car insurance in New Jersey.
We went and analyzed the top car insurance companies in the state and put together a list that goes over a variety of different factors.
These include cheap auto insurance for drivers who want minimum coverage or full coverage, have a DUI, speeding ticket, or got in an accident.
Car insurance prices are even listed for those with poor credit. We also listed the cheapest New Jersey auto insurance rates for drivers aged 20, 25, 30, and 65+.
Overview of the Cheapest Car Insurance in New Jersey
For Minimum Coverage: GEICO offers cheap auto insurance for minimum coverage at $638 annually or $53.17 a month.
Cheapest Full Coverage: GEICO also offers the cheapest full coverage car insurance at $826 a year or $68.83 a month.
For Drivers With One At-Fault Accident: GEICO is the best option for drivers with one at-fault accident. Going with GEICO will cost you $1136 a year or $94.67 per month.
Cheapest For Drivers With a DUI: Drivers with a DUI will pay $1376 annually or $114.67 a month with New Jersey Manufacturers.
For Drivers With a Speeding Ticket: GEICO offers the lowest priced auto insurance at $826 a year or $68.83 a month.
Cheapest For Drivers With Poor Credit: If you have poor credit, GEICO is the cheapest option for auto insurance. Getting GEICO insurance will cost you $1701 a year or $141.75 per month.
Cheapest Minimum Coverage Car Insurance in New Jersey
If you want the bare minimum coverage in New Jersey, these are the lowest rates:
- GEICO – $638 a year or $53.17 per month (Cheapest Insurance)
- New Jersey Manufacturers – $983 every year or $81.92 a month
- Allstate – $1058 a year or $88.17 per month
- Amica Mutual – $1121 each year or $93.42 a month
- Progressive – $1123 a year or $93.58 per month
- MetLife – $1306 every year or $108.83 per month
- Travelers – $1559 each year or $129.92 a month
- Esurance – $1690 a year or $140.83 per month (Most Expensive)
Cheapest Full Coverage Car Insurance in New Jersey
These are the rates you can expect in New Jersey if you want to be fully covered when driving:
- GEICO – $826 a year or $68.83 per month (Cheapest Insurance)
- New Jersey Manufacturers – $1144 every year or $95.33 a month
- Allstate – $1290 a year or $107.5 per month
- Amica Mutual – $1318 each year or $109.83 a month
- Progressive – $1334 a year or $111.17 per month
- MetLife – $1376 every year or $114.67 per month
- Travelers – $1709 each year or $142.42 a month
- State Farm – $2015 a year or $167.92 per month (Most Expensive)
Cheap Car Insurance in New Jersey For Drivers With Previous Accidents
Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in NJ may include; speeding tickets, at-fault accidents, or DUIs.
Cheapest New Jersey Car Insurance With a Speeding Ticket
The cheapest car insurance in NJ for a driver with a speeding ticket is either GEICO or New Jersey Manufacturers.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $826 | $68.83 |
| New Jersey Manufacturers | $1,379 | $114.92 |
| Allstate | $1,563 | $130.25 |
| Amica Mutual | $1,585 | $132.08 |
| Progressive | $1,679 | $139.92 |
| MetLife | $1,876 | $156.33 |
| Travelers | $2,228 | $185.67 |
| Esurance | $2,680 | $223.33 |
Cheap New Jersey Auto Insurance With One At-Fault Accident
GEICO and New Jersey Manufacturers are the cheapest options when it comes to car insurance for NJ drivers with one at-fault accident.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,136 | $94.67 |
| New Jersey Manufacturers | $1,144 | $95.33 |
| Amica Mutual | $1,762 | $146.83 |
| Allstate | $2,128 | $177.33 |
| Progressive | $2,224 | $185.33 |
| Travelers | $2,959 | $246.58 |
| State Farm | $3,191 | $265.92 |
| MetLife | $3,209 | $267.42 |
Cheap New Jersey Car Insurance With a DUI
New Jersey Manufacturers and Progressive each have cheap annual rates for NJ drivers with a DUI.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| New Jersey Manufacturers | $1,379 | $114.92 |
| Progressive | $1,527 | $127.25 |
| GEICO | $1,613 | $134.42 |
| Allstate | $1,840 | $153.33 |
| Esurance | $2,585 | $215.42 |
| MetLife | $3,669 | $305.75 |
| Amica Mutual | $3,939 | $328.25 |
| State Farm | $7,549 | $629.08 |
Related: Cheapest Car Insurance in New York
Cheapest Auto Insurance For New Jersey Drivers With Poor Credit
If you’re located in New Jersey and have poor credit, these are your options for cheap car insurance:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,701 | $141.75 |
| New Jersey Manufacturers | $2,356 | $196.33 |
| Allstate | $2,656 | $221.33 |
| Amica Mutual | $2,714 | $226.17 |
| Progressive | $2,749 | $229.08 |
| MetLife | $2,835 | $236.25 |
| Travelers | $3,520 | $293.33 |
| State Farm | $4,152 | $346.00 |
Cheapest Car Insurance For 20-Year-Old Drivers in New Jersey
Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in NJ.
Cheapest Full Coverage Car Insurance For 20-Year-Old New Jersey Drivers
GEICO and New Jersey Manufacturers have the cheapest full coverage auto insurance for 20-year-olds in NJ.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,849 | $154.08 |
| New Jersey Manufacturers | $2,562 | $213.50 |
| Allstate | $2,888 | $240.67 |
| Amica Mutual | $2,951 | $245.92 |
| Progressive | $2,989 | $249.08 |
Cheapest Minimum Coverage Car Insurance in New Jersey For 20-Year-Old Drivers
The cheapest minimum coverage auto insurance for 20-year-olds is New Jersey Manufacturers and GEICO in NJ.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,428 | $119.00 |
| New Jersey Manufacturers | $2,201 | $183.42 |
| Allstate | $2,370 | $197.50 |
| Amica Mutual | $2,511 | $209.25 |
| Progressive | $2,516 | $209.67 |
Cheap Auto Insurance For 20-Year-Old New Jersey Drivers With Poor Credit
Here are the lowest annual and monthly rates for 20-year-old NJ drivers with poor credit:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $3,806 | $317.17 |
| New Jersey Manufacturers | $5,273 | $439.42 |
| Allstate | $5,945 | $495.42 |
| Amica Mutual | $6,074 | $506.17 |
| Progressive | $6,151 | $512.58 |
Cheap Car Insurance For 20-Year-Old New Jersey Drivers With a Speeding Ticket
GEICO and New Jersey Manufacturers have the least expensive car insurance for 20-year-old NJ drivers with a speeding ticket.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,849 | $154.08 |
| New Jersey Manufacturers | $3,089 | $257.42 |
| Allstate | $3,501 | $291.75 |
| Amica Mutual | $3,550 | $295.83 |
| Progressive | $3,762 | $313.50 |
Cheap Auto Insurance in New Jersey For 20-Year-Old Drivers With a DUI
Here are the cheapest car insurance prices for 20-year-olds with a DUI:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| New Jersey Manufacturers | $3,089 | $257.42 |
| Progressive | $3,421 | $285.08 |
| GEICO | $3,613 | $301.08 |
| Allstate | $4,122 | $343.50 |
| Esurance | $5,791 | $482.58 |
Cheap Car Insurance in New Jersey For 20-Year-Old Drivers With One At-Fault Accident
Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in NJ with one at-fault accident:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $2,545 | $212.08 |
| New Jersey Manufacturers | $2,562 | $213.50 |
| Amica Mutual | $3,948 | $329.00 |
| Allstate | $4,766 | $397.17 |
| Progressive | $4,981 | $415.08 |
Cheapest Car Insurance For 25-Year-Old Drivers in New Jersey
25 is the age when NJ auto insurance premiums start to decline quicker. This means living in New Jersey, you get to save more money on car insurance.
Cheapest Full Coverage Car Insurance For 25-Year-Old New Jersey Drivers
Here are the cheapest options for full coverage auto insurance for 25-year-olds in NJ:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,048 | $87.33 |
| New Jersey Manufacturers | $1,453 | $121.08 |
| Allstate | $1,638 | $136.50 |
| Amica Mutual | $1,673 | $139.42 |
| Progressive | $1,694 | $141.17 |
Cheapest Minimum Coverage Car Insurance in New Jersey For 25-Year-Old Drivers
GEICO and New Jersey Manufacturers have the cheapest minimum coverage auto insurance for NJ 25-year-olds.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $810 | $67.50 |
| New Jersey Manufacturers | $1,248 | $104.00 |
| Allstate | $1,344 | $112.00 |
| Amica Mutual | $1,423 | $118.58 |
| Progressive | $1,427 | $118.92 |
Cheap Auto Insurance For 25-Year-Old New Jersey Drivers With Poor Credit
25-year-old drivers with poor credit can use New Jersey Manufacturers or GEICO for the lowest annual and monthly rates.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $2,163 | $180.25 |
| New Jersey Manufacturers | $2,997 | $249.75 |
| Allstate | $3,378 | $281.50 |
| Amica Mutual | $3,452 | $287.67 |
| Progressive | $3,496 | $291.33 |
Cheap Car Insurance For 25-Year-Old New Jersey Drivers With a Speeding Ticket
Here are the least expensive auto insurance options for 25-year-old NJ drivers with a speeding ticket:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,048 | $87.33 |
| New Jersey Manufacturers | $1,751 | $145.92 |
| Allstate | $1,985 | $165.42 |
| Amica Mutual | $2,013 | $167.75 |
| Progressive | $2,133 | $177.75 |
Cheap Auto Insurance in New Jersey For 25-Year-Old Drivers With a DUI
25-year-olds with a DUI have these options for cheap car insurance:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| New Jersey Manufacturers | $1,751 | $145.92 |
| Progressive | $1,940 | $161.67 |
| GEICO | $2,048 | $170.67 |
| Allstate | $2,337 | $194.75 |
| Esurance | $3,283 | $273.58 |
Cheap Car Insurance in New Jersey For 25-Year-Old Drivers With One At-Fault Accident
GEICO has the least expensive car insurance yearly and monthly costs for 25-year-old drivers in NJ with one at-fault accident.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,443 | $120.25 |
| New Jersey Manufacturers | $1,453 | $121.08 |
| Amica Mutual | $2,238 | $186.50 |
| Allstate | $2,702 | $225.17 |
| Progressive | $2,824 | $235.33 |
Cheapest Car Insurance For 30-Year-Old Drivers in New Jersey
New Jersey auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.
Cheapest Full Coverage Car Insurance For 30-Year-Old New Jersey Drivers
Here are the cheapest car insurance options for 30-year-olds in NJ that want to be fully covered:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $826 | $68.83 |
| New Jersey Manufacturers | $1,144 | $95.33 |
| Allstate | $1,290 | $107.50 |
| Amica Mutual | $1,318 | $109.83 |
| Progressive | $1,334 | $111.17 |
Cheapest Minimum Coverage Car Insurance in New Jersey For 30-Year-Old Drivers
GEICO and New Jersey Manufacturers have the cheapest auto insurance rates for 30-year-olds in NJ that want minimum coverage.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $638 | $53.17 |
| New Jersey Manufacturers | $983 | $81.92 |
| Allstate | $1,058 | $88.17 |
| Amica Mutual | $1,121 | $93.42 |
| Progressive | $1,123 | $93.58 |
Cheap Auto Insurance For 30-Year-Old New Jersey Drivers With Poor Credit
GEICO and New Jersey Manufacturers have the least expensive annual and monthly rates for 30-year-old NJ drivers with poor credit.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,701 | $141.75 |
| New Jersey Manufacturers | $2,356 | $196.33 |
| Allstate | $2,656 | $221.33 |
| Amica Mutual | $2,714 | $226.17 |
| Progressive | $2,749 | $229.08 |
Cheap Car Insurance For 30-Year-Old New Jersey Drivers With a Speeding Ticket
Check out these NJ insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $826 | $68.83 |
| New Jersey Manufacturers | $1,379 | $114.92 |
| Allstate | $1,563 | $130.25 |
| Amica Mutual | $1,585 | $132.08 |
| Progressive | $1,679 | $139.92 |
Cheap Auto Insurance in New Jersey For 30-Year-Old Drivers With a DUI
Progressive and New Jersey Manufacturers have the cheapest auto insurance prices for NJ 30-year-olds with a DUI.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| New Jersey Manufacturers | $1,379 | $114.92 |
| Progressive | $1,527 | $127.25 |
| GEICO | $1,613 | $134.42 |
| Allstate | $1,840 | $153.33 |
| Esurance | $2,585 | $215.42 |
Cheap Car Insurance in New Jersey For 30-Year-Old Drivers With One At-Fault Accident
Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in NJ with one accident on record:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,136 | $94.67 |
| New Jersey Manufacturers | $1,144 | $95.33 |
| Amica Mutual | $1,762 | $146.83 |
| Allstate | $2,128 | $177.33 |
| Progressive | $2,224 | $185.33 |
Cheapest Car Insurance For New Jersey Drivers Over 65 Years Old
Auto insurance prices in NJ will vary depending on what you’re looking for and what your situation is as a 65-year-old driver.
Cheapest Full Coverage Car Insurance For New Jersey Drivers Over 65 Years Old
The cheapest full coverage auto insurance for NJ drivers over 65 years old is GEICO and New Jersey Manufacturers.
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $780 | $65.00 |
| New Jersey Manufacturers | $955 | $79.58 |
| Allstate | $1,082 | $90.17 |
| Amica Mutual | $1,123 | $93.58 |
| State Farm | $1,295 | $107.92 |
Cheapest Minimum Coverage Car Insurance in New Jersey For Drivers Over The Age of 65
Here are all your options for getting cheap car insurance with minimum coverage in NJ when you’re over 65 years old:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $610 | $50.83 |
| New Jersey Manufacturers | $810 | $67.50 |
| Allstate | $891 | $74.25 |
| Amica Mutual | $966 | $80.50 |
| Progressive | $1,099 | $91.58 |
Cheap Auto Insurance For New Jersey Drivers Over 65 Years Old With Poor Credit
If you have poor credit in NJ and are over 65 years old, these are your options for cheap car insurance:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $1,606 | $133.83 |
| New Jersey Manufacturers | $1,967 | $163.92 |
| Allstate | $2,230 | $185.83 |
| Amica Mutual | $2,314 | $192.83 |
| State Farm | $2,667 | $222.25 |
Cheap Car Insurance For New Jersey Drivers Over 65 Years Old With a Speeding Ticket
If you have a speeding ticket and are over the age of 65, here are your options in NJ:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| GEICO | $780 | $65.00 |
| New Jersey Manufacturers | $1,140 | $95.00 |
| Allstate | $1,311 | $109.25 |
| Amica Mutual | $1,481 | $123.42 |
| Progressive | $1,765 | $147.08 |
Cheap Auto Insurance in New Jersey For Drivers Over The Age of 65 With a DUI
New Jersey Manufacturers has the least expensive auto insurance for NJ drivers over 65 years old with a DUI:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| New Jersey Manufacturers | $1,140 | $95.00 |
| Allstate | $1,551 | $129.25 |
| Progressive | $1,617 | $134.75 |
| GEICO | $1,670 | $139.17 |
| Esurance | $2,573 | $214.42 |
Cheap Car Insurance in New Jersey For Drivers Over 65 Years Old With One At-Fault Accident
If you don’t want to spend a lot on auto insurance but are over the age of 65 and have an accident on record, these are your options:
| Insurance Company | Annual Rate | Monthly Rate |
|---|---|---|
| New Jersey Manufacturers | $955 | $79.58 |
| GEICO | $1,130 | $94.17 |
| Amica Mutual | $1,720 | $143.33 |
| Allstate | $1,775 | $147.92 |
| State Farm | $2,009 | $167.42 |
New Jersey Minimum Auto Insurance Requirements
The state of New Jersey has a list of requirements for the minimum amount of auto insurance a driver can have.
These requirements include:
- At a minimum; insured for $15,000 bodily injury liability per person and $30,000 for each accident.
- A total of $5,000 per crash for property damage caused by the vehicle.
- $15,000 per person and accident for personal injury protection.
Methodology For Choosing Cheapest New Jersey Auto Insurance
We compared rates from New Jersey auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).
Other stats used for the calculated rates include:
Bodily Injury Coverage: $50,000
Overall Coverage: $100,000
Property Damage Coverage: $50,000
Age: 35 years old
Vehicle: 2020 Sedan
Number of Incidents: 0
Credit Score: Good (690-719)
Comprehensive and Collision Coverage: None
