Car insurance rates in New Jersey

The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.

- Plymouth Rock Assurance provides the cheapest liability coverage at $46 per month in New Jersey.
- Plymouth Rock Assurance offers the cheapest rates for full coverage insurance in New Jersey at $92 per month.
- At $169 per month, Madison is the cheapest city for car insurance in New Jersey.

Read on to learn more about car insurance price trends in New Jersey. More car insurance rate data is available in the original article at Way.com.

Cheapest liability insurance in New Jersey

For drivers looking to meet New Jersey minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.

Cheapest liabiility insurance in New Jersey
#1. Plymouth Rock Assurance: $46
#2. New Jersey Manufacturers: $59
#3. Plymouth Rock: $65
#4. NJM: $72
#5. Progressive: $74

Cheap full coverage in New Jersey

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.

Cheapest full coverage insurance in New Jersey
#1. Plymouth Rock Assurance: $92
#2. NJM: $117
#3. New Jersey Manufacturers: $126
#4. Plymouth Rock: $152
#5. Progressive: $156

Impact of traffic violations on New Jersey auto insurance rates

In New Jersey, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in New Jersey may differ from the national average due to regional risks and rules.

Here's a breakdown of average auto insurance rates in New Jersey after common driving violations.

- No violation: $195
- Not-at-fault accident: $205
- Failure to wear a seat belt: $234
- Speeding 6 - 10 MPH over limit: $224
- Speeding 21 - 25 MPH over limit: $287
- DUI: $407
- Reckless driving: $389
- Driving with a suspended license: $424
- Leaving scene of an accident/hit and run: $404

Car insurance rates across New Jersey's top cities

Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.

Cities with the cheapest average monthly premium in New Jersey
#1. Madison: $169
#2. Lyons: $170
#2. Liberty Corner: $170
#4. Succasunna: $171
#4. Basking Ridge: $171

Cities with the most expensive average monthly premium in New Jersey
#1. Irvington: $298
#2. Passaic: $289
#3. Elizabethport: $287
#4. East Orange: $285
#4. Orange: $285