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Get instant auto insurance quotes from top New Jersey carriers. Free comparison, no obligation, and expert advice from licensed NJ agents.
Understanding these factors helps you get better rates and make informed decisions
2024 average rates for different coverage levels in New Jersey
| Coverage Level | Monthly Rate | Annual Rate |
|---|---|---|
| State Minimum | $85-125 | $1,020-1,500 |
| Standard (50/100/50) | $125-175 | $1,500-2,100 |
| Full Coverage | $175-250 | $2,100-3,000 |
| Premium (100/300/100) | $225-325 | $2,700-3,900 |
* Rates based on 35-year-old driver with clean record, average credit, and 2020 Honda Civic
Most drivers qualify for multiple discounts - savings can add up to 40% or more
15-25%
Potential Savings
10-40%
Potential Savings
10-25%
Potential Savings
5-10%
Potential Savings
5-20%
Potential Savings
5-15%
Potential Savings
The average NJ driver qualifies for 3-5 discounts. Make sure to ask about all available discounts when getting your quote - many agents won't mention them unless you ask!
Explore all money-saving optionsGet quotes from at least 5 insurers for best rates
Combine auto with home or renters insurance
Higher deductibles = lower premiums
Rates change - shop around every year
To get the cheapest quote: maintain a clean driving record, compare quotes from multiple carriers, choose higher deductibles, bundle policies, ask about all available discounts, and consider usage-based insurance if you drive less than 10,000 miles annually.
You'll need: driver's license numbers for all drivers, vehicle VIN or year/make/model, current insurance information, driving history for past 5 years, annual mileage estimate, and desired coverage levels. Having this ready speeds up the quote process.
Each insurer uses different formulas to calculate risk and price policies. Factors weighted differently include: credit scores, driving history, age groups, vehicle types, and location data. This is why shopping around is crucial - one company's high-risk driver is another's preferred customer.
Shop for new quotes annually or when: your policy renews, you have a life change (marriage, new home, etc.), your driving record improves, you pay off your car loan, or your credit score increases. Many people save hundreds by switching insurers.
Online quotes are generally accurate estimates, but final rates may vary slightly after underwriting review. For most accurate quotes, provide complete and honest information. Instant online quotes are typically within 5-10% of final rates.
Compare rates from 20+ top carriers in minutes. Save an average of $600/year when you switch through our agency.
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