New Jersey Car Insurance Calculator

Car insurance costs in New Jersey are among the highest in the country, so it’s wise to shop around and compare quotes to find the best value. To begin your search, enter your information in our calculator above – this way we will use your location, driving history, and additional coverage options to generate estimated rates based on your personal situation.

Your premium is determined by multiple factors, but some of the most influential ones include your age and driving record. Younger drivers typically pay higher premiums due to statistical evidence suggesting their inexperience increases the likelihood of accidents and claims; on the other hand, older drivers may benefit from reduced premiums thanks to experience and proven reliability.

Selecting an adequate level of coverage is equally essential, and our car insurance calculator can assist in this endeavor. Use it to find minimum liability limits required by New Jersey as well as optional coverages like collision and comprehensive. However, bear in mind that cost increases with increased deductibles.

Take into consideration your vehicle type and driving time as this will give us a more accurate estimation of your total annual costs.

As we wind down this discussion, let’s consider what you would pay if adding a teenage driver to your policy. New Jersey has special requirements for teenage drivers, and adding one could drastically increase your rate as insurance companies view them as high risk drivers who may break traffic rules and cause accidents.

Our car insurance calculator takes several factors into account to estimate your estimated costs, such as year, make and model of your car, driving history and number of drivers on your policy (our base profile assumes you’re 45-year-old single male with an impeccable driving history), full coverage or minimum liability limits – and more.

Credit Score can have an immense impact on your rate, too. New Jersey drivers with excellent credit typically save over $2,000 annually when compared with those who have poor credit. That’s because an auto insurance score differs from traditional credit ratings in that it takes into account your history of motor vehicle accidents and claims history before being combined with standard rating factors to give an overall risk assessment for you as an individual. Poor credit can raise premiums up to 145% more compared to someone with good credit!