Car insurance quotes can vary widely between insurers. Each provider has their own method for setting rates that depends on factors like age, driving history, claims experience and even credit score. When searching for car insurance in New Jersey it is essential to compare multiple insurers so as to find the most cost-effective coverages; local providers might have lower rates than national providers like GEICO or State Farm as well as more comprehensive add-on coverages that better suit your unique needs.
New Jersey car insurance rates depend heavily on the coverage purchased. Drivers opting for minimum liability coverage typically experience the lowest premiums while full-coverage auto policies incur the highest costs. To help you determine what option best meets your needs, the New Jersey Car Insurance Calculator below offers estimates for both types of coverage options.
Geico stands out among New Jersey’s top car insurance providers thanks to its affordable prices, offering drivers who have one speeding ticket on their record the cheapest coverage available; their financial strength can be seen through an exceptional ratio between premiums written and losses, significant market share, and excellent customer satisfaction ratings.
Geico isn’t the only provider offering affordable car insurance in New Jersey, yet average premium costs in this state tend to be higher than those found elsewhere. Many factors can have an effect on how much New Jersey car insurance you need; such as your choice of vehicle, driving record and annual mileage total; marital status, credit score and gender can also play a role.
New Jersey drivers must carefully consider their coverage level when selecting an auto policy. New Jersey requires minimum liability limits of $25,000 per person and $50,000 per incident – much lower than the national average. You should consider adding collision and comprehensive coverage, along with purchasing additional coverage as necessary.
ValuePenguin provides an in-depth view of New Jersey car insurance rates using data from Quadrant Information Services, providing thousands of quotes for each zip code in New Jersey. Quotes in this table assume a driver is male, in their 30s, with a clean driving history who drives a 2015 Honda Civic EX. These rates reflect rates for basic liability policies and standard collision and comprehensive policies with higher bodily injury and property damage liability limits than state minimum requirements, assuming you have good credit scores. Quotes provided assume you meet this condition. Your quotes may differ and it is always wise to compare car insurance prices in New Jersey in order to secure the best coverage at a great rate. For tips on saving money with car insurance in NJ, see our New Jersey Car Insurance Tips. If you are ready to begin shopping, enter your New Jersey zip code into the box below in order to access quotes from top car insurers near your area and begin your comparison shopping experience.