{"id":324536,"date":"2025-11-14T07:47:45","date_gmt":"2025-11-14T12:47:45","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=87010"},"modified":"2025-11-14T07:47:45","modified_gmt":"2025-11-14T12:47:45","slug":"best-in-new-jersey","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-new-jersey\/","title":{"rendered":"The Best New Jersey Auto Insurance Companies"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best New Jersey Auto Insurance Companies Review\"><\/span>\n    \n\n\n<p>Drivers in New Jersey must carry auto insurance on any registered vehicle. Premiums have increased in recent years, so it\u2019s more important than ever to compare quotes and coverage across multiple insurers to find the best fit for your needs and budget.<\/p>\n\n\n\n<p>To help you find the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">best car insurance<\/a> in New Jersey, we considered current statewide price benchmarks, coverage options, discounts, customer service, and third-party ratings for financial strength and customer satisfaction. Recent statewide averages from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-new-jersey\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-new-jersey\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/car-insurance-rates-new-jersey\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/new-jersey-car-insurance\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">The Zebra<\/a> help frame what typical drivers pay today, while customer experience insights draw on the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">J.D. Power U.S. Auto Insurance Study (Mid-Atlantic)<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Auto Insurance Companies in New Jersey<\/h2>\n\n\n\n<ul><li><a href=\"#best1\" rel=\"nofollow\" class=\"achor-toggles\">New Jersey Manufacturers Insurance<\/a>: Best for Customer Satisfaction and local service<\/li><li><a href=\"#best2\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>: Best for Agent support and telematics programs<\/li><li><a href=\"#best3\" rel=\"nofollow\" class=\"achor-toggles\">Geico<\/a>: Best for Discounts and digital tools<\/li><li><a href=\"#best4\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best for Coverage Options and add-ons<\/li><li><a href=\"#best5\" rel=\"nofollow\" class=\"achor-toggles\">Progressive<\/a>: Best for High-Risk Drivers and usage-based pricing<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"table\" title=\"Comparison Table\"><\/span>\n    \n\n\t\t\n<section id=\"block_5fd14154129f9\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Car Insurance Companies in New Jersey<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE PRICE FOR MINIMUM COVERAGE*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Price for Full Coverage* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Overall Customer Satisfaction\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fd14154129f9-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">New Jersey Manufacturers Insurance<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$370<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,271<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>867<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd14154129f9-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$724<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,244<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>851<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd14154129f9-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$559<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,316<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd14154129f9-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$909<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,686<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>830<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd14154129f9-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$735<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,469<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>834<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of 2025; statewide averages and ratings may vary by source and methodology.<\/em><\/p>\n\n\n\n<p><em>* Benchmarks synthesized from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-new-jersey\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-new-jersey\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/car-insurance-rates-new-jersey\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/new-jersey-car-insurance\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">The Zebra<\/a>.<\/em><\/p>\n\n\n\n<p><em>** J.D. Power U.S. Auto Insurance Study (Mid-Atlantic region), latest edition available: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">2024<\/a>. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"New Jersey Manufacturers Insurance \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">New Jersey Manufacturers Insurance <\/h2>\n\n\n                                                \n\n\n<section id=\"new-jersey-manufacturers-auto-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">New Jersey Manufacturers Auto Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Low Rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                New Jersey Manufacturers Insurance, a regional company, offers some of the lowest rates for New Jersey drivers with an average annual premium of $370 for state minimum coverage, based on Bankrate\u2019s data. Also, the company\u2019s high customer satisfaction scores indicate that customers are generally pleased with the service they receive.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_NJM&#038;rvitemid=308197-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,271<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">867<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                New Jersey Manufacturers Insurance, a regional company, offers some of the lowest rates for New Jersey drivers with an average annual premium of $370 for state minimum coverage, based on Bankrate\u2019s data. Also, the company\u2019s high customer satisfaction scores indicate that customers are generally pleased with the service they receive.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low annual premiums<\/li>\n                            <li>Highly rated customer service<\/li>\n                            <li>Wide variety of coverage options<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Only available in 4 states<\/li>\n                                        <li>No mobile app to manage your policy<\/li>\n                                        <li>Limited endorsement options<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Liability<\/li>\n<li>Uninsured &amp; underinsured motorist<\/li>\n<li>Medical expenses<\/li>\n<li>Collision<\/li>\n<li>Comprehensive<\/li>\n<li>Gap insurance<\/li>\n<li>Transportation expense<\/li>\n<li>Roadside assistance<\/li>\n<li>New car replacement<\/li>\n<li>Pet coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Driver training<\/li>\n<li>Electronic payment<\/li>\n<li>Full coverage<\/li>\n<li>Good student<\/li>\n<li>Home and auto bundle<\/li>\n<li>Multi-vehicle<\/li>\n<li>New car<\/li>\n<li>Paid-in-full<\/li>\n<li>Vehicle safety equipment<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">MORE NEW JERSEY MANUFACTURERS INSURANCE REVIEWS<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/njm-review\/\">New Jersey Manufacturers Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"State Farm\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Satisfaction<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm has highly-rated customer satisfaction for New Jersey drivers, according to J.D. Power\u2019s Auto Insurance Study. Plus, the company\u2019s large network of agents makes it convenient to manage your auto insurance policy.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,244<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">851<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm has highly-rated customer satisfaction for New Jersey drivers, according to J.D. Power\u2019s Auto Insurance Study. Plus, the company\u2019s large network of agents makes it convenient to manage your auto insurance policy.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Highly-rated customer satisfaction<\/li>\n                            <li>Many coverage options, including rideshare<\/li>\n                            <li>Useful digital tools<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Higher premiums than some competitors<\/li>\n                                        <li>No accident forgiveness coverage available for purchase<\/li>\n                                        <li>Fewer additional endorsements than competitors<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Collision<\/li>\n<li>Comprehensive<\/li>\n<li>Liability<\/li>\n<li>Car rental and travel expense<\/li>\n<li>Uninsured &amp; underinsured motorist<\/li>\n<li>Medical payments<\/li>\n<li>Emergency road service<\/li>\n<li>Rideshare driver coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Accident-free<\/li>\n<li>Defensive driving course<\/li>\n<li>Good student<\/li>\n<li>Good driving<\/li>\n<li>Driver training<\/li>\n<li>Student away at school<\/li>\n<li>Vehicle safety features<\/li>\n<li>Passive restraint<\/li>\n<li>Anti-theft<\/li>\n<li>Multi-auto<\/li>\n<li>Multiple line<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/state-farm-renters-review\/\">State Farm Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Geico\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Geico<\/h2>\n\n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico offers customers multiple ways to lower your bill by providing a long list of discounts, including safe vehicle, good driver, military, and federal employee.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,316<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico offers customers multiple ways to lower your bill by providing a long list of discounts, including safe vehicle, good driver, military, and federal employee.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Many discounts available<\/li>\n                            <li>Highly-rated mobile app<\/li>\n                            <li>Special coverage for trips to Mexico<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No gap coverage<\/li>\n                                        <li>Few local agents<\/li>\n                                        <li>Average customer satisfaction<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Liability<\/li>\n<li>Medical<\/li>\n<li>Uninsured &amp; underinsured motorist<\/li>\n<li>Collision<\/li>\n<li>Comprehensive<\/li>\n<li>Emergency road service<\/li>\n<li>Rental reimbursement<\/li>\n<li>Mechanical breakdown<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Vehicle safety features<\/li>\n<li>Good driver<\/li>\n<li>Seat belt use<\/li>\n<li>Defensive driving<\/li>\n<li>Driver\u2019s education course<\/li>\n<li>Good student<\/li>\n<li>Emergency deployment<\/li>\n<li>Federal employee<\/li>\n<li>Membership &amp; employee<\/li>\n<li>Military<\/li>\n<li>Multi-vehicle<\/li>\n<li>Multi-policy<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Geico Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\">Geico Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\">Geico Homeowners Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Allstate\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers the most comprehensive list of coverages of companies on our list, including unique options like rideshare and sound system coverage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_NJ_Allstate&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,686<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">830<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers the most comprehensive list of coverages of companies on our list, including unique options like rideshare and sound system coverage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Many coverage options<\/li>\n                            <li>Excellent digital tools and resources<\/li>\n                            <li>Large network of local agents<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Below-average customer satisfaction<\/li>\n                                        <li>Higher rates than many competitors<\/li>\n                                        <li>Only 6-month policies available<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Collision<\/li>\n<li>Comprehensive<\/li>\n<li>Liability<\/li>\n<li>Medical payments<\/li>\n<li>Uninsured &amp; underinsured motorist<\/li>\n<li>Sound system<\/li>\n<li>Roadside coverage<\/li>\n<li>Personal injury protection<\/li>\n<li>Personal umbrella<\/li>\n<li>Rental reimbursement<\/li>\n<li>Rideshare<\/li>\n<li>Classic car<\/li>\n<li>Travel to Mexico<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Anti-lock brake<\/li>\n<li>Anti-theft device<\/li>\n<li>Multiple policy<\/li>\n<li>Early signing<\/li>\n<li>Responsible payer<\/li>\n<li>Smart student<\/li>\n<li>New car<\/li>\n<li>Automatic payments<\/li>\n<li>Paperless billing<\/li>\n<li>Full-pay<\/li>\n<li>Safe driver<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"Progressive\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Progressive<\/h2>\n\n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for High-Risk Drivers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Progressive is well known for offering coverage to high-risk drivers who may struggle to find a policy elsewhere, and the company offers many ways to lower your premium through discounts and smart driving.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,469<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">834<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Progressive is well known for offering coverage to high-risk drivers who may struggle to find a policy elsewhere, and the company offers many ways to lower your premium through discounts and smart driving.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low rates for New Jersey drivers<\/li>\n                            <li>Coverage for high-risk drivers<\/li>\n                            <li>Excellent digital tools<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Below-average customer satisfaction<\/li>\n                                        <li><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" rel=\"noopener\" target=\"_blank\">Mixed regional satisfaction results<\/a><\/li>\n                                        <li>Discounts not available everywhere<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Liability<\/li>\n<li>Comprehensive<\/li>\n<li>Collision<\/li>\n<li>Uninsured\/underinsured motorist<\/li>\n<li>Medical payments<\/li>\n<li>Roadside assistance<\/li>\n<li>Loan\/lease payoff<\/li>\n<li>Rental car reimbursement<\/li>\n<li>Customer parts and equipment value<\/li>\n<li>Rideshare coverage<\/li>\n<li>Deductible savings bank<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Multi-car<\/li>\n<li>Continuous insurance<\/li>\n<li>Safe driver<\/li>\n<li>Teen driver<\/li>\n<li>Good student<\/li>\n<li>Distant student<\/li>\n<li>Homeowner<\/li>\n<li>Quote and sign online<\/li>\n<li>Paperless billing<\/li>\n<li>Pay in full<\/li>\n<li>Automatic payment<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Progressive Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\">Progressive Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\">Progressive Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/progressive-review\/\">Progressive Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Benchmarks synthesized from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-new-jersey\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-new-jersey\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/car-insurance-rates-new-jersey\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/new-jersey-car-insurance\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">The Zebra<\/a>.<\/em><\/p>\n\n\n\n<p><em>** J.D. Power\u2019s U.S. Auto Insurance Study (Mid-Atlantic region), latest edition available: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">2024<\/a>. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost1\" title=\"The Average Cost of Car Insurance in New Jersey\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in New Jersey<\/h2>\n\n\n\n<p>New Jersey car insurance rates remain elevated relative to the U.S. average, reflecting dense traffic, medical and repair cost inflation, and the state\u2019s no-fault framework. In 2025, typical costs run about $1,000\u2013$1,200 per year for minimum coverage and roughly $2,600\u2013$3,000 per year for a <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">full-coverage policy<\/a>, based on recent statewide analyses by <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-new-jersey\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-new-jersey\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/car-insurance-rates-new-jersey\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/new-jersey-car-insurance\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">The Zebra<\/a>. That\u2019s about $85\u2013$100 per month for minimum coverage and $215\u2013$250 per month for full coverage. Actual premiums vary widely by driver, vehicle, location, and selected limits\/deductibles. Given the broad premium increases since 2023 documented in the <a href=\"https:\/\/data.bls.gov\/timeseries\/CUUR0000SEAB\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">BLS motor vehicle insurance CPI<\/a>, it can be helpful to shop around when choosing an insurance carrier \u2014 rates can vary by hundreds of dollars from one provider to the next. Other factors that will help determine your insurance rate include your age, driving history, vehicle, and <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-credit-scores-affects-rates\/\">credit score<\/a> (in states where allowed).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost2\" title=\"Top 3 Cheapest Car Insurance Companies in New Jersey\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in New Jersey<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium for Full Coverage<\/strong><\/td><\/tr><tr><td>NJM Insurance Group<\/td><td>Frequently competitive for eligible drivers; often near the lower end of the statewide range (actual quotes vary)<\/td><\/tr><tr><td>GEICO<\/td><td>Often competitive statewide with robust discounts; pricing varies by profile and ZIP<\/td><\/tr><tr><td>State Farm<\/td><td>Often below the statewide average for good drivers; results vary by driver and location<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost3\" title=\"Top 3 Most Expensive Car Insurance Companies in New Jersey\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in New Jersey<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium for Full Coverage<\/strong><\/td><\/tr><tr><td>Quotes for high-risk drivers<\/td><td>Often at or above the top of the statewide range (e.g., major violations, recent at-fault crashes)<\/td><\/tr><tr><td>Quotes in dense urban ZIP codes<\/td><td>Frequently above the statewide average due to higher claim frequency and theft risk<\/td><\/tr><tr><td>Carriers with a limited NJ appetite<\/td><td>Can price significantly higher depending on underwriting targets and capacity<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheapest-cities\" title=\"Top 3 Cheapest Cities for Car Insurance in New Jersey\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in New Jersey<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium<\/strong><\/td><\/tr><tr><td>Manasquan<\/td><td>Typically near the lower end of the statewide full-coverage range (actual quotes vary)<\/td><\/tr><tr><td>Brielle<\/td><td>Typically near the lower end of the statewide full-coverage range (actual quotes vary)<\/td><\/tr><tr><td>Sea Girt<\/td><td>Typically near the lower end of the statewide full-coverage range (actual quotes vary)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"expensive-cities\" title=\"Top 3 Most Expensive Cities for Car Insurance in New Jersey\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in New Jersey<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium<\/strong><\/td><\/tr><tr><td>Irvington<\/td><td>Often above the statewide average due to population density and traffic exposure<\/td><\/tr><tr><td>Newark<\/td><td>Often above the statewide average due to congestion and theft risk<\/td><\/tr><tr><td>East Orange<\/td><td>Often above the statewide average due to density and traffic exposure<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Key Things to Know About Car Insurance in New Jersey\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Car Insurance in New Jersey<\/h2>\n\n\n\n<p>While the Garden State is one of the smallest states in the U.S., it is densely populated. This means that traffic-heavy roads present a higher risk of crashes and theft, which increases insurers\u2019 loss costs and premiums. Here\u2019s what you need to know about driving and car insurance in New Jersey.<\/p>\n\n\n\n<ul><li>New Jersey remains the most densely populated U.S. state, with a high persons-per-square-mile figure that structurally elevates crash exposure (<a href=\"https:\/\/www.census.gov\/quickfacts\/NJ\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">U.S. Census QuickFacts<\/a>).<\/li><li>The NY\u2013NJ metro is the most congested in the U.S., contributing to more collision opportunities for many New Jersey commuters (<a href=\"https:\/\/inrix.com\/scorecard\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">INRIX Global Traffic Scorecard<\/a>).<\/li><li>Vehicle thefts exceeded 1 million nationally in 2023, with many increases concentrated in urban areas \u2014 pressuring comprehensive coverage costs in dense parts of New Jersey (<a href=\"https:\/\/nicb.org\/news\/news-releases\/vehicle-thefts-surpass-1-million-2023\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NICB<\/a>).<\/li><\/ul>\n\n\n\n<p>In addition, New Jersey experiences coastal storms, tropical systems, winter weather and flooding. As a result, it can be important for drivers to have the right types of car insurance to protect their vehicle against these risks. Here are some things to consider when it comes to severe weather in New Jersey:<\/p>\n\n\n\n<ul><li>The U.S. set a record in 2023 with 28 separate billion\u2011dollar weather and climate disasters, underscoring ongoing coastal and storm risk that can affect New Jersey; comprehensive coverage is what typically protects against flood, wind, hail and other non\u2011collision perils (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NOAA Billion\u2011Dollar Disasters<\/a>).<\/li><li>Higher catastrophe and reinsurance costs have kept property\u2011related insurance pricing firm nationwide, which can filter into auto premiums where storm losses and repair costs rise (<a href=\"https:\/\/www.gallagherre.com\/insights\/reports\/1st-view-january-2024\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Gallagher Re 2024 renewals<\/a>).<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">New Jersey Car Insurance Requirements<\/h3>\n\n\n\n<p>New Jersey has <a href=\"https:\/\/www.state.nj.us\/dobi\/division_consumers\/insurance\/auto.htm\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">two different minimum coverage car insurance options<\/a>: the basic policy and the standard policy. The coverage types and limits required are as follows:<\/p>\n\n\n\n<p>Basic policy:<\/p>\n\n\n\n<ul><li>Up to $10,000 in optional bodily injury liability per accident<\/li><li>$5,000 property damage liability per accident<\/li><li>$15,000 personal injury protection (PIP) (certain severe injuries are covered up to $250,000)<\/li><\/ul>\n\n\n\n<p>Basic policies do not have an uninsured or underinsured motorist option. Depending on the insurance company, drivers with basic policies may also not be able to add comprehensive or collision coverage.<\/p>\n\n\n\n<p>Standard policy:<\/p>\n\n\n\n<ul><li>$25,000 bodily injury liability per person<\/li><li>$50,000 bodily injury liability per accident<\/li><li>$25,000 property damage liability per accident<\/li><li>Personal injury protection (PIP) (limits vary; certain severe injuries receive up to $250,000 in medical expense benefits)<\/li><li>$15,000 uninsured motorist bodily injury liability per person (minimum)<\/li><li>$30,000 uninsured motorist bodily injury liability per accident (minimum)<\/li><li>$5,000 uninsured motorist property damage liability (minimum)<\/li><li>Underinsured motorist bodily injury liability (optional; higher limits available, often matched to liability limits)<\/li><\/ul>\n\n\n\n<p>Comprehensive and collision coverage are available on standard policies. Beginning with policies issued or renewed on or after Jan. 1, 2026, the Standard policy\u2019s minimum bodily injury liability increases to 35\/70 while property damage remains $25,000 (<a href=\"https:\/\/www.nj.gov\/governor\/news\/news\/562022\/20220801a.shtml\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">State of New Jersey announcement<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Car Insurance Coverage Options\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Car Insurance Coverage Options<\/h3>\n\n\n\n<p>While a basic policy is all you need to drive legally in New Jersey, there are other coverages that could provide greater financial protection. For example, if you have a loan or lease on your vehicle, your financial institution likely requires you to carry comprehensive and collision coverages. Other coverages you may want to consider include:<\/p>\n\n\n\n<ul><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/motorist-coverage\/\">Uninsured\/underinsured motorist<\/a>: This coverage, required in New Jersey with a standard policy, protects you from financial losses if you\u2019re in an accident with another driver who doesn\u2019t have insurance or does not have enough insurance to pay for your damages.<\/li><li>Roadside assistance: Most insurance companies offer this optional coverage you can use to get a towing service, tire change, and more in the event your car breaks down.<\/li><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/is-gap-insurance-worth-it\/\">Gap coverage<\/a>: This optional coverage covers any financial losses you might experience when you total your new vehicle and the claim payout of the car is lower than the remaining amount on your loan or lease.<\/li><\/ul>\n\n\n\n<p>Accident forgiveness: Car insurance rates usually<a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-car-accident-affect-insurance\/\"> increase after an accident<\/a>. With optional accident forgiveness coverage, your rates won\u2019t increase after just one accident. Many insurers also offer telematics\/usage-based programs that can raise or lower your premium based on driving behavior (including phone distraction); review program terms and privacy before enrolling (<a href=\"https:\/\/content.naic.org\/consumer\/usage-based-insurance\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">NAIC guide<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently asked questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions<\/h2>\n\n\n<div id=\"block_61d5f6dc730d2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in New Jersey?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>New Jersey law requires drivers to carry at least a basic policy with the following coverage:<\/p>\n<p>Basic policy:<\/p>\n<ul>\n<li>Up to $10,000 in optional bodily injury liability per accident<\/li>\n<li>$5,000 property damage liability per accident<\/li>\n<li>$15,000 personal injury protection (PIP)<\/li>\n<\/ul>\n<p>New Jersey drivers can also purchase a standard policy, which provides more coverage than a basic policy. In addition to liability insurance and PIP, the standard policy includes uninsured\/underinsured motorist coverage. Collision and comprehensive insurance are offered as optional endorsements. If you choose a standard policy, you must purchase a minimum amount of coverage.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61d5f707730d3\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in New Jersey?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Drivers in New Jersey can expect to pay an average of $847 for a standard minimum coverage policy and $1,757 for full coverage auto insurance.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61d5f726730d4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest car insurance company in New Jersey?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Selective has the lowest average full coverage <a href=\"https:\/\/www.reviews.com\/insurance\/car\/understanding-insurance-rates\/\">auto insurance rates<\/a> in New Jersey, with an average premium of $1,085 per year, according to 2021 quoted premium data from Bankrate.com<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance companies in New Jersey, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com rating. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you.&nbsp;<\/p>\n\n\n\n<p>For statewide pricing context, we referenced 2025 New Jersey averages reported by multiple independent sources \u2014 including <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-new-jersey\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-new-jersey\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/car-insurance-rates-new-jersey\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">Forbes Advisor<\/a>, and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/new-jersey-car-insurance\/\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">The Zebra<\/a>. Methodologies differ by publisher, but \u201cfull coverage\u201d commonly includes liability plus comprehensive and collision with deductibles in the $500\u2013$1,000 range. Typical illustrative limits include:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>When we reference minimum coverage, we align to New Jersey\u2019s Standard Policy minimums now at 25\/50\/25 (BI\/BI\/PD) and scheduled to rise to 35\/70 for bodily injury on policies issued or renewed on or after Jan. 1, 2026; the Basic Policy remains available with much lower protections. See the <a href=\"https:\/\/www.state.nj.us\/dobi\/division_consumers\/insurance\/auto.htm\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">New Jersey Department of Banking and Insurance<\/a> and the <a href=\"https:\/\/www.nj.gov\/governor\/news\/news\/562022\/20220801a.shtml\" target=\"_blank\" rel=\"noopener nofollow noreferrer\">state\u2019s announcement<\/a> for details.&nbsp;<\/p>\n\n\n\n<p>These are benchmark figures for comparison only \u2014 your own rates will differ based on your driver profile, vehicle, garaging ZIP and selected limits\/deductibles. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Drivers in New Jersey must carry auto insurance on any registered vehicle. Premiums have increased in recent years, so it\u2019s more important than ever to compare quotes and coverage across multiple insurers to find the best fit for your needs and budget. To help you find the best car insurance in New Jersey, we considered [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358464,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[27908],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best New Jersey Auto Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"Compare the best car insurance in New Jersey, shop New Jersey auto insurance quotes, and read about the cheapest car insurance in NJ.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-new-jersey\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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