Affordable Car Insurance for New Jersey Drivers
Get comprehensive auto insurance in New Jersey with competitive rates and local expertise. From Newark to Trenton, we protect Garden State drivers with coverage that fits your needs and budget.
Understanding New Jersey's auto insurance requirements helps you stay legal and protected. We'll help you navigate NJ's unique insurance laws and find the right coverage.
$15,000 per person / $30,000 per accident
Covers injuries to others in accidents you cause
$5,000 minimum
Covers damage to other vehicles and property
$15,000 minimum
Covers your medical expenses regardless of fault
Optional but recommended
Protects you from drivers without insurance
While New Jersey's minimum requirements keep you legal, they may not fully protect your assets. Medical costs and vehicle repairs can quickly exceed minimum limits, leaving you personally liable for the difference.
Get Your NJ Auto Insurance QuoteNew Jersey auto insurance rates vary significantly based on several factors. Understanding these helps you make informed decisions and potentially lower your premiums.
Urban areas like Newark and Jersey City typically have higher rates than suburban areas
High ImpactClean records qualify for safe driver discounts up to 20%
Very High ImpactNewer vehicles with safety features often qualify for discounts
Medium ImpactHigher limits provide better protection but increase premiums
Medium ImpactLower your auto insurance costs in New Jersey without sacrificing coverage. Our experts help you find every available discount and money-saving opportunity.
Combine auto with home or renters insurance for multi-policy discounts
New Jersey allows credit-based insurance scoring
NJ-approved courses can reduce rates for 3 years
Raising deductibles from $500 to $1,000 can lower premiums
Good student, military, senior, and professional discounts available
Avoid monthly payment fees by paying your premium annually
From urban centers to suburban communities, we provide auto insurance throughout the Garden State with local agents who understand your area's unique needs.
Join thousands of New Jersey drivers who trust us for affordable auto insurance. Get coverage today with instant proof of insurance.
Get answers to common questions about car insurance in New Jersey
New Jersey requires minimum liability coverage of $15,000/$30,000 for bodily injury and $5,000 for property damage. Personal Injury Protection (PIP) of at least $15,000 is also required unless you opt out in writing. While these are minimums, we recommend higher limits for better protection.
The average cost of car insurance in New Jersey varies by location and driver profile. Urban areas like Newark and Jersey City tend to have higher rates. Factors like your driving record, age, vehicle type, and coverage levels all impact your premium. Contact us for a personalized quote based on your specific situation.
Yes, we work with multiple insurance carriers to find affordable options even for high-risk drivers. We can help you find companies that specialize in non-standard auto insurance and identify all available discounts to minimize your costs.
Common discounts include multi-policy bundling, safe driver, good student, defensive driving course completion, anti-theft devices, and safety features. Some carriers also offer discounts for low mileage, military service, and professional affiliations.
While not required, uninsured motorist coverage is highly recommended in New Jersey. It protects you if you're hit by a driver without insurance or in a hit-and-run accident. Given that some drivers carry only minimum coverage or none at all, this protection is valuable.
We can often provide same-day coverage. Once you complete your application and make your initial payment, coverage can begin immediately. We'll provide proof of insurance documents you can use right away.