Enter your Zip Code and get a

New Jersey is a densely populated area with more people per square mile than any other state. The state also has the most diners and shopping malls per square mile. In addition, it’s one of just two states that bans self-service gas pumps (Oregon is the other).


You may not have to pump your own gas, but you do need at least basic car insurance. In New Jersey, you can choose from basic insurance, which has the minimum requirements, or standard, which allows you more options. 


While New Jersey is a no-fault state, you don’t have to pay more for the insurance you need. Research car insurance providers and get the best possible rate by using Cheap Insurance’s comparison tools. If you want cheap car insurance in New Jersey, it’s easy to get a free quote!

Quick New Jersey Car Insurance Facts

  • New Jersey has a minimum coverage requirement known as the 15/30/5 rule.
  • The average cost of minimum liability auto insurance in New Jersey is $847 per year.
  • Full car insurance coverage in the state costs an average of $1,757 per year. 
  • Approximately 3.1% of drivers in New Jersey are uninsured—the lowest in the nation.
  • New Jersey is a no-fault state, making insurance more expensive.
Cheap Insurance New Jersey

Minimum New Jersey Car Insurance Coverage

What are the minimum car insurance coverage requirements in New Jersey? The state’s Department of Banking & Insurance offers a guide to basic and standard auto insurance so you can choose the right coverage.

New Jersey requires minimum insurance for bodily injury and property damage liability. Drivers are required to carry at least the following auto insurance coverages:

  • Property damage: $5,000 coverage for a single accident
  • Bodily injury/death: $15,000 per person, $30,000 per accident
  • Personal Injury Protection (PIP): $15,000 per person per accident

Getting Cheap Car Insurance In New Jersey

There are many ways to get cheap car insurance in New Jersey. Follow these tips to save big!

  1. Go basic: The basic insurance policy is the cheapest in New Jersey and may be all you need, especially if you have an older vehicle. You can always add to it if you want special protections. 
  2. Compare rates: Use Cheap Insurance to compare car insurance providers and rates. It just takes a few clicks to possibly save hundreds of dollars a year.
  3. Ask about discounts: Ask your car insurance provider about available discounts. If you’re an A student or have a good driving history, for example, you may be able to decrease your premiums.

New Jersey Car Insurance Discounts

Most car insurance providers offer some sort of discount. Save money on car insurance coverage in New Jersey with these discounts:

  • Good Driver: If you have no accidents or tickets, you can save 10-30%.
  • Good Student: High school or college students with at least a 3.0 GPA can save 10% or more.
  • Defensive Driving/Driver Training: New Jersey drivers who complete a classroom or online course approved by the New Jersey Motor Vehicle Commission (MVC) can receive a discount on their insurance premiums.
  • Customer Loyalty: If you stay with the same car insurance provider for a minimum amount of time, you can save up to 10%.


What is the average car insurance cost in New Jersey?

The average cost for full car insurance coverage in New Jersey is $1,757 per year.

How much is car insurance per month in New Jersey?

The average cost for full car insurance coverage in New Jersey is approximately $146 per month.

What is the penalty for driving without insurance in New Jersey?

A first-time violation can result in a fine of up to $1,000, as well as license suspension and community service.

What is driving like in New Jersey?

Driving in New Jersey can be summed up in one word: crazy. There are a lot of vehicles on the road, so driving in the state is not for the faint at heart. Traffic is unavoidable and drivers are often impatient and even aggressive.

How can I save money on my car insurance policy in New Jersey?

You can get cheap car insurance in New Jersey by following these tips:

  • Opt for automatic payments: When you pay your car insurance automatically, this saves the insurance company money, and they will pass on the savings to you.
  • Bundle your insurance: Get homeowners and auto insurance from the same company to save money.
  • Take a class: A defensive driver course can not only help you improve your driving skills but also save you money.

Other Types of Coverage

If you’re driving in New Jersey, you may want more than basic coverage. If you opt for standard coverage, you might want to consider one of these car insurance coverages:

  • Uninsured Motorist Coverage (UMC)/Underinsured Motorist Coverage (UIM): 
  • This coverage pays you for damages caused by a motorist with inadequate insurance or none at all.
  • Medical Payments Coverage: 
  • Physical Damage Coverage:  There are two types of physical damage coverage: comprehensive and collision. Collision coverage pays for damage caused by hitting something while comprehensive coverage is for damage caused by theft, vandalism, and weather issues. 
  • Additional kinds of coverage: The Extra PIP Package is available under the standard policy and includes income continuation, essential services, death benefit, and funeral expense benefit.  
  • Endorsements and Riders
    • Towing and road service: This coverage provides benefits for towing and other forms of roadside assistance, such as jump-starts and flat tires.
    • Rental car reimbursement: If you cannot drive your car, this insurance pays for a rental car.
    • Gap insurance: Your new car loses some value the moment it drives off the lot. Unfortunately, your car loan balance doesn’t decrease along with it, so gap insurance pays the difference.
Cheap Car Insurance New Jersey

We Have Your Town Covered!

Enter your Zip Code and get a