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. Learn about average annual premiums, state laws, car insurance discount programs, and more. 

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

However, the following cost reduction tips apply to drivers in any state. 


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 partly from the fact that New Jersey has the highest population density of any U.S. state. A situation where many drivers are packed 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 this coverage 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 $1,000, in addition to about 40 hours of community service, and a suspended license for up to one year.

Repeat offenders face two weeks in jail, two years of license suspension, fines as high as $5,000, and thirty days of community service.

When will people learn? 

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
  • Multiple Auto discounts name only a few.

Car Insurance Quotes NJ

According to recent consumer reports, drivers in the state of New Jersey looking for car insurance favor

  1. Allstate
  2. Geico
  3. Liberty Mutual
  4. The Hartford
  5. State Farm
  6. 21st Century Insurance

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

Whichever type of car insurance company you prefer, get five free quotes online. Then call a few local agents for more quotes, and also ask about their discount programs.

Then compare quotes.

Then pick the cheapest plan that meets your needs, 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

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