Instant Online Quotes Auto Insurance in New Jersey — From $44/mo
Find auto insurance options in New Jersey. NJ quotes delivered online — quick and easy
No fees. No obligations. Soft check only.
We work with top companies to find the best match for you!
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)
Why compare Auto Insurance in New Jersey?
Prices can vary widely across providers in New Jersey. Whether you’re in Newark or Jersey City, comparing quotes helps you find better coverage for less.
What you get
- NJ quotes delivered online — quick and easy
- SR-22 Processing
- Bundle & Save options where available
Rates in New Jersey
Typical annual rates start from $530 (based on plans from $44/mo)
New Jersey is a no-fault state and one of the most expensive in the US for auto insurance. NJ offers two policy types: Basic and Standard. The Basic policy is cheaper but severely limits your right to sue.
Auto Insurance Requirements in New Jersey
- Minimum requirement
- 15/30/5 (Basic) or 25/50/25 (Standard)
- No-fault state
- Yes
- SR-22 required
- No
- Average annual cost
- $1,750
Estimated Rates by Driver Profile in New Jersey
Rates vary based on your driving history and profile. Here's what drivers in New Jersey typically pay:
| Driver Profile | Est. Monthly | Coverage Level | SR-22 Available |
|---|---|---|---|
| Clean record, age 30+ | $44–$68 | Standard Full Coverage | — |
| 1 accident in last 3 years | $72–$100 | Standard Liability+ | — |
| New driver, under 25 | $98–$138 | Basic or Standard | — |
| Multiple violations | $120–$170 | High-Risk Plan | — |
| Senior driver, 65+ | $52–$78 | Standard Full Coverage | — |
NJ quotes delivered online — quick and easy
Get Instant Online Quotes plans starting at $44/mo — includes SR-22 Processing.
Compare Quotes NowCustomer Satisfaction & Complaint Score breakdown
Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
What is the minimum auto insurance required in New Jersey?
NJ offers Basic ($15/30/5 + $15k PIP) or Standard ($25/50/25 + $15k PIP). The Basic policy limits your ability to sue for pain and suffering.
Is New Jersey a no-fault state?
Yes. NJ requires PIP, and your own insurer pays for medical expenses after an accident regardless of fault.
Why is auto insurance so expensive in New Jersey?
High population density, heavy commuter traffic, high litigation rates, and one of the highest cost-of-living environments in the US push premiums up.
Does New Jersey require SR-22?
NJ does not commonly use SR-22 filings — it has its own suspension and reinstatement system.
What is the difference between Basic and Standard auto insurance in NJ?
Basic is cheaper but limits your right to sue for non-economic damages. Standard offers higher limits and full tort rights.
How can I lower my auto insurance rate in New Jersey?
Comparing quotes is critical — NJ has large rate variances between carriers. Choosing the right PIP limit, increasing your deductible, and bundling policies help.