Auto insurance in New Jersey is a must, and the state requires drivers to carry specific levels of property damage liability and personal injury protection coverage. Knowing the minimum requirements for car insurance in NJ can help you decide what type of protection is right for your family’s needs.
Rates for drivers in New Jersey vary based on factors like city/zip code, age, credit score, car make/model and whether teen drivers are included on your policy. With our convenient tool you can enter all your information to receive personalized quotes from top carriers in your area.
You should also take into account your deductible, which is the amount you must pay out-of-pocket before coverage kicks in. Setting a high deductible can lower premiums but may leave more money on the table should you need to file a claim.
Your credit history is closely connected to your car insurance rates, so if yours is poor, your rate could be higher than someone with excellent credit. With good credit, however, you could save up to $2,000 annually on premium car insurance.
Driving violations and accidents can affect your car insurance rates, but you can take steps to avoid them. With a clean record and no recent violations on your record, your costs for car insurance should be significantly lower than they would be after multiple accidents or speeding tickets.
Finding the lowest rates requires comparing multiple companies. Doing this will allow you to locate one that fits within your budget, offers competitive car insurance policies, and has an established reputation for excellent customer service.
Get your free quote online by entering your ZIP code and answering a few questions. You’ll be presented with personalized quotes from multiple providers in your area instantly.
Your vehicle plays an integral role in calculating the cost of car insurance. Insurers consider factors like safety ratings, accident statistics, engine size and horsepower rating, anti-theft technology, and more when calculating your premium.
Selecting a vehicle with plenty of space and comfortable seating can help you get where you need to go safely, thus keeping your insurance rates low. For instance, SUVs and pickup trucks usually offer more cargo room than sedans, resulting in premium savings of up to 30%.
What you can select in a New Jersey auto policy will depend on your individual needs and preferences, though most states have minimum limits for bodily injury and property damage liability. Furthermore, many states allow you to select either a higher Personal Injury Protection (PIP) limit or “right to sue” option which gives you the freedom to pay out-of-pocket for medical expenses related to an auto accident.
If you’re uncertain how much coverage you need, our calculator can help determine the right amount of protection for you. It will estimate the costs of various types of policies and your monthly payments accordingly.