New Jersey

Best Car Insurance Quotes for 2021

Cheapest for good drivers in New Jersey
Cheapest for minimum coverage in New Jersey
Cheapest for good drivers with poor credit
Cheapest for drivers with one at-fault crash
Cheapest insurance after a DUI in New Jersey
Cheapest insurance after a ticket in New Jersey
Cheapest for couples and families in New Jersey
Cheapest for young drivers in New Jersey
Minimum auto insurance limits required in New Jersey

Best Cheap Car Insurance in New Jersey for 2021

In New Jersey several insurance companies love to reward good drivers. If you have gone accident and DUI free for 3 years, you may qualify for huge savings. The best way to find is to enter your quote request in MyMoneyMyQuotes and let us do the work to connect you with the best carriers and insurance agents.

Cheapest for good drivers in New Jersey

These are the cheapest insurance companies that provide cheap insurance to the drivers of New Jersey with good credit and a clean driving record. Average rates for these companies are:

Geico:$1460 per year
Progressive:$1767 per year
Travelers:$1708 per year
Plymouth Rock:$1330 per year
NJM:$1308 per year

Having a good credit rating and no recent accidents or violations always helps drivers find best and cheap car insurance rates. MyMoneyMyQuotes team has researched a lot of data to bring you this calculation. These rates are averaged based on following profile details : Men or Women with good credit and a clean driving record and within an age bracket of 38 - 42 year old. Additionally, these driver profiles mostly also have "full coverage" insurance, which includes comprehensive and collision coverages, in addition to state-required coverage. Prices shown may also include various discounts as made available from the insurers in the state including a good driver discount and multi-car discount.

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Cheapest for minimum coverage in New Jersey

Drivers who want bare-bones insurance for minimum coverage with a good credit and a clean driving record in New Jersey, these are the cheapest insurance companies with their average rates.

Geico:$699 per year
Allstate:$928 per year
Progressive:$980 per year
Plymouth Rock:$735 per year
NJM:$650 per year

Having a good credit rating and no recent accidents or violations always helps drivers find best and cheap car insurance rates. We researched and calculated average of these numbers for a driver in an age bracket of 38 - 42 year old, including any discount that the insurance company may offer. It is not recommended to carry minimum mandatory insurance as it may not cover all the expenses from an incident or car accident. Please be very careful if you searching for the cheapest car insurance and make sure you compare few quotes. You can click here to compare cheap car insurance quotes. Review your coverages carefully so you fully understand the types and limits of all coverages that you may wish to purchase.

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Cheapest for good drivers with poor credit

These are the listed cheap insurance with their average rates that provide cheap car insurance for full coverage to the drivers in New Jersey with a clean driving and poor credit record.

Geico:$3109 per year
State Farm:$3810 per year
Progressive:$3036 per year
All state:$3080 per year
NJM:$2048 per year

Not having a good credit can be challenging to find a good or cheapest car insurance rates. Among other factors, poor credit, DUI or a recent at-fault accident can have major impact to your car insurance rates. MyMoneyMyQuotes team researched and calcuated average rates for drivers within an age bracket of 38 - 42 year old. Average rates calculated here represent drivers with clean driving record, including various discounts as made available by insurance companies. These drivers reported poor credit and include standard "full coverage" car insurance.

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Car Insurance Rates for New Jersey


Average Monthly Premium $106.96

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Cheapest for drivers with one at-fault crash

A driver with a recent at-fault accident but with good credit record can buy cheap insurance from these insurers in New Jersey. Their average rates are:

Geico:$1923 per year
Progressive:$2927 per year
Travelers:$2878 per year
Plymouth Rock:$1417 per year
NJM:$1306 per year

Having a recent at-fault accident can significantly impact your car insurance rate. Even if you get into a relative minor crash, some car insurance companies will charge you much higher rate compared to other insurance companies for the same level of coverage. Therefore it is even more important for drivers with a recent at-fault accident to shop and compare auto insurance rates from multiple insurance companies. You can click here to compare cheap car insurance quotes. We researched and compiled these rates by looking at average car insurance rates for drivers within an age bracket of 38 - 42 year old having a standard "full coverage" car insurance and a recent at-fault accident costing $10,000 in property damage. Remember that usually having a recent at-fault auto accident can not only result into high rates for few years but some insurance companies may even reject coverage. In such cases it is very important to shop and compare auto insurance rates for next few years on a regular basis.

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Cheapest insurance after a DUI in New Jersey

These insurance companies provide the cheapest insurance to the drivers with a recent DUI and their average rates:

Geico:$2450 per year
Progressive:$2025 per year
Travelers:$2722 per year
Plymouth Rock:$2333 per year
NJM:$1559 per year

Every year, about 11,000 drivers die on roads within US due to crashes involving alcohol. A DUI/DWI results in higher auto insurance premiums. we averaged rates for drivers within an age bracket of 38 - 42 year old with typical "full coverage" insurance and a recent DUI/DWI conviction. It is important to note that every state is different when it comes to DUI/DWI related incodents. For your car insurance premiums, you could end up paying 112% more each year compared to your premium before your conviction. Some insurance companies may even reject for coverage. As car insurance premium rates can vary significantly after a DUI/DWI therefore it is highly recommended to shop around and compare rates. You can click here to find and compare auto insurance rates.

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Cheapest insurance after a ticket in New Jersey

These are the companies with their average rates that provide the cheapest car insurance to the drivers in New Jersey after speeding a ticket.

Geico:$1728 per year
Allstate:$2320 per year
Progressive:$2228 per year
Travelers:$2308 per year
NJM:$1560 per year

A speeding ticket will surely result in increase in your car insurance premium rates from most insurance companies. MyMoneyMyQuotes analyzed rates for drivers within an age bracket of 38 - 42 year old with typical "full coverage" insurance and a recent speeding ticket on their records. Every insurance company has a different way to consider an evalation of a speeding ticket and how it may impact your car insurance premium rates. We recommend you to shop around and compare rates from atleast three to five insurance companies. We can help you to find and compare car insurance rates. You can click here to find rates from different insurance companies.

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Average Auto Insurance Rates - New Jersey

Cheapest for couples and families in New Jersey


Best way to find cheapest rates is to always start with comparing rates from atleast three to five insurance companies. It is important to note that an insurance company offering best car insurance rates to single drivers may also offer cheapest rates to a family. Some of the ways, a family could save money is either by combining various policies, completing VIN etching, lowering risk etc...To see what all car insurance companies offer cheapest rates for families, we analyzed car insurance rates for a family with a couple in an age bracket of 45 - 55 year old and may or may not have a teen driver in family.

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Cheapest for a married couple in New Jersey

We found the cheapest insurers with their average rates for the couples with a clean driving record who looks for the cheapest insurance in New Jersey.

Geico:$2424 per yeae
Allstate:$2590 per year
Travelers:$2555 per year
Plymouth Rock:$2373 per year
NJM:$2246 per year

By collaborating policies, married or unmarried couples who live with each other can easily get discounts for multi-car and multi-driver. Insurance companies will find less risk in married couples so they offer them insurance at cheap rates. Insurance rates become lower when couples start living together not due to a discount. MyMoneyMyQuotes team has researched married people of an age bracket of 48-52-year-old couples with a spotless record also gets a good driver discount.

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Cheapest for families with a teen in New Jersey

A couple of an age bracket of 48-52 years with a teen of 18 years can find the cheap insurance from the following companies who look for full coverage. Average rates are also mentioned below for these insurers.

Geico:$3610 per year
Metlife:$5079 per year
Progressive:$4718 per year
Travelers:$4380 per year
NJM:$3206 per year

There is a significant hike in insurance rates in a married couple's policy when a teen lives with a married couple who have driving experience of 2-3 years. MyMoneyMyQuotes team has researched and analyzed the data on insurance rates of different companies to find which company provides car insurance at cheap rates for teenagers. These insurance rates of various companies are fit for drivers of the 18-year-old age whether they are male or female who lives with a married couple of an age bracket of 48-52 years.

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Cheapest for young drivers in New Jersey


For young people, it appears like a mistaken belief to find cheap car insurance these days. MyMoneyMyQuotes team has researched and analyzed the data on the people of an age bracket of 20-25 years in a different state of affairs to find cheap insurance rates for young drivers. Most companies charge higher insurance rates from young drivers than others who have experience in driving more than drivers of the age of bracket of 20-25 years. But few companies are available in the market will charge lower rates than other companies from young drivers.

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Cheapest full coverage for young good drivers

A young driver of an age bracket of 20-25 years who wants to buy cheap insurance for full coverage with good credit and spotless driving history can buy insurance from the listed companies and their average rates are:

Geico:$1669 per yea
Progressive:$1892 per year
Travelers:$1760 per year
Plymouth Rock:$1958 per year
NJM:$1600 per year

Finding cheap car insurance is a very tough task for young people in their 20's, also when they seek full coverage. MyMoneyMyQuotes team has researched and analyzed the rates suitable for people of an age bracket of 20-25 years of both males and females with comprehensive and collision coverages. These rates consider a good discount for drivers and these are also required with leases, active auto loans, etc. For full coverage and cheaper car insurance rates, young people should check some insurance-related quotes and compare the rates of different insurance companies.

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Cheapest minimum coverage for young good drivers

We listed the cheapest insurers for the young people with a clean driving record who wants to buy insurance for the minimum coverage on low rates and average rates for these companies are also given:

Geico:$760 per year
Progressive:$961 per year
Travelers:$980 per year
Plymouth Rock:$1000 per year
NJM:$764 per year

Finding cheap car insurance is a very tough task for young people in their 20's, also when they seek full coverage. MyMoneyMyQuotes team has researched and analyzed the rates suitable for people of an age bracket of 20-25 years of both males and females with comprehensive and collision coverages. These rates consider a good discount for drivers and these are also required with leases, active auto loans, etc. For full coverage and cheaper car insurance rates, young people should check some insurance-related quotes and compare the rates of different insurance companies.

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Poor credit and minimum coverage

Following are the companies provide the cheapest insurance to the young drivers in New Jersey who look for minimum coverage insurance with poor credit record and their average rates are:

Geico:$1600 per year
Allstate:$2032 per year
Progressive:$1690 per year
Travelers:$2281 per year
NJM:$1258 per year

Having poor credit is very usual for young people in starting who are still constructing their credit reports that can increase insurance rates. To shop around cheap insurance and find information regarding insurance one should check different insurance quotes on insurance and compare them with each other. MyMoneyMyQuotes team has compiled and analyzed the rates for 20-25 years old people whether they are men or women with no past records of violations and accidents who earns good driver discount and having poor credit history in the files of an insurer.

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Cheapest for minimum coverage after a crash

These are the insurance companies that provide the cheapest car insurance for minimum coverage to drivers of New Jersey caused an accident or a crash.

Geico:$970 per year
Progressive:$1544 per year
Travelers:$1596 per year
Plymouth Rock:$1075 per year
NJM:$766 per year

MyMoneyMyQuotes team has compiled the data of drivers of an age bracket of 20-25 years males and females having a good credit position and having a recent fault crash costing $1000 in property damage. Car insurance is better after a crash for young drivers. That's why we supposed minimum required insurance to cover the cost for our hypothetical driver. Having a recent fault crash may adversely impact on the car insurance rates. Above mentioned companies may reject you for coverage under different circumstances. People of any age who caused the crash should check auto insurance quotes after several years of an accident when an insurance company lowers their rates.

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Cheapest for minimum coverage after a DUI

These are companies with their average rates that provide cheap insurance for the minimum covergae to the drivers of an age bracket of 20-25 years with recent DUI on their record.

Geico:$1216 per year
Allstate:$1462 per year
Progressive:$1118 per year
Plymouth Rock:$1280 per year
NJM:$924 per year

Probably, most of the companies provide insurance on higher rates which are quite expensive, so there is a need to find cheap car insurance rates for people having a recent DUI in their driving records. Above mentioned companies can reject you to get coverage under different situations. Before buying insurance you need to spend a good time reading insurance quotes and comparing the rates of different companies. We compiled and analyzed the rates for20-25 years old male and female drivers with a recent DUI conviction. They had a good credit record and minimum required car insurance that helps to lower the rates of insurance.

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Cheapest for minimum coverage and a ticket

These insurers offer the cheapest insurance for minimum coverage to the young drivers in New Jersey after speeding a ticket. Average rates for insurance are also given for these companies.

Geico:$894 per year
Allstate:$1227 per year
Progressive:$1195 per year
Travellers:$1220 per year
NJM:$909 per year

A speeding ticket is never fun and neither is the higher car insurance bill that received by you after several months. You may not hurt by purchasing a ticket on 3rd and 5th year because at this time you can shop at good rates because the insurer can lower the rates for young drivers of an age bracket of 20-25-year-old having a recent speeding violation for going 16mph over the speed limit to watch the prices for this group.

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Minimum auto insurance limits required in New Jersey

Drivers in New Jersey must carry liability insurance, personal injury protection. New Jersey is a state with no fault in their records. Residents can choose anyone from two options which are standard policy and basic policy. Most people look for standard policy but the basic policy is available on lower rates and has low coverage limits: The basic policy includes: 1. Liability coverage of $5000 for property damage per accident. 2. PIP is $15000 Bodily injury liability coverage is $10000 per accident but it is not mandatory to purchase. The standard policy includes: 1. Liability coverage for bodily injury for a single person is $15000. 2. Liability coverage for bodily injury per accident is $30000. 3. Liability coverage for property damage per accident is $5000. 4. PIP is $15000. It is illegal in Louisiana to drive without car insurance. Minimum car insurance is not only sufficient to cover the costs of accidents. So it is a wise decision to select an insurance policy more than minimum insurance. Drivers in New Jersey can also consider other types of coverage like Collision and comprehensive to cover the cost of damages due to crash or theft of your vehicle.

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