Car Insurance Quotes NJ, NY, CT and Other States

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Car Insurance Quotes NJ, NY, CT and Beyond

This page reveals the latest available information on car insurance premiums in the state of New Jersey.

Scroll down for handy tips on choosing the right auto insurance package at the lowest possible rates.

Average Car Insurance Quotes NJ

The Average Annual Auto Insurance Premium last year in New Jersey was $1,905, quite a bit higher than the national average, which was about $1,347 during the same time period.

New Jersey's relatively high average car insurance premiums may result from the fact that New Jersey has the highest population density of any U.S. state. Many drivers driving close together is the standard recipe for an accident. 

Annual rates in New Jersey are further affected by the effect of state laws like the “No-Fault” law. Numerous available carriers bring down the premiums, while No-Fault laws are known to drive up the cost of car insurance.It takes a professional actuary to iron out all the details.

Minimum Liability Coverage Required in New Jersey

The minimum amount of auto insurance required in New Jersey is $15,000 in Personal Injury Protection, $30,000 against death or injury to others, and $5,000 to cover the cost of physical property damage. Insurance agents call it 15/30/5.

Penalties for Uninsured Drivers in New Jersey

The first time a New Jersey driver is caught operating an uninsured vehicle, the penalty is a fine of up to a thousand dollars, in addition to about 40 hours of community service and a suspended license for one year. Repeat offenders face two weeks in jail, two years of a suspended license, fines as high as $5,000, and thirty days of community service.

Discounts on New Jersey Car Insurance

Here's one easy way YOU can get low cost auto insurance in New Jersey. Get a driver's license and don't use it for three years. Use public transportation instead. Your perfect driving record will earn you many discounts, like the Accident-Free Discount for avoiding accidents, and the Good Driver Discount for avoiding moving violations. These discounts can reduce your premiums by as much as 30 percent.

Other auto insurance discounts available in New Jersey include Good Student discounts, Defensive Driving Course discounts, Vehicle Safety discounts, Passive Restraint discounts, Multiple Policy discounts and Multiple Auto discounts, just to name a few.

Car Insurance Quotes NJ

According to recent consumer reports, drivers in the state of New Jersey seeking car insurance favor Allstate, Geico, Liberty Mutual, The Hartford, State Farm and 21st Century Insurance.

At the same time, some New Jersey car owners prefer local carriers like AIS, Mercer or Franklin.

Get five free quotes online. Then call a few local agents, ask about their discount programs, and compare quotes. Then pick the cheapest plan, if saving money is your goal.

New Jersey has nearly forty carriers offering auto insurance at competitive rates. No matter which carrier you choose, go for every discount you can get.

car insurance quotes nj 

Useful Links

Go here to see Car Insurance Quotes in All U.S States and Washington DC. 

Visit this link for a New Jersey Fact and Photo Gallery.

See this page for a Map of New Jersey.

Visit this link to learn how to Work From Home in New Jersey, or anywhere else in America.


Go here for a lst of Wholesale Factory Outlets in Every State.

Hit this link for a complete list of Universities and PhD Programs in all U.S. states and Washington DC.

Look here for Affordable Travel Deals to and around all 50 states.

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