Best Car Insurance in New Jersey (2025)
State Farm, USAA, and The General are three of the top insurers in the Garden State.
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Shopping for car insurance can be difficult because every driver has their own unique budget and priorities. To make your search for the ideal coverage a bit easier, Insurify analyzed 50 car insurance companies to identify the best options in New Jersey.
Here’s what you need to know about the best car insurance companies in New Jersey.
Best car insurance companies in New Jersey
You should always compare quotes and coverage options from multiple car insurance companies before buying or renewing an auto policy. Here’s an overview of the offerings from five leading car insurers in New Jersey.
Best insurer for young drivers: State Farm
Best insurer for military families: USAA
Best insurer for high-risk drivers: The General
Best insurer for personalized customer service: Allstate
Best insurer for senior drivers: GEICO
Our editorial team analyzed regional and national auto insurance companies that sell policies in New Jersey to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in New Jersey
Follow these tips to find the best car insurance coverage for your needs in the Garden State:
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Average cost of car insurance in New Jersey
The average cost of liability car insurance in New Jersey is $174 per month, which is higher than the national average of $100. For full-coverage insurance, the average is $259 per month in New Jersey, which is slightly lower than the U.S. average of $177.
The state of New Jersey increased the minimum liability coverage requirements on Jan. 1, 2023, and a second phase of higher liability limits will be implemented on Jan. 1, 2026.
Best car insurance in New Jersey FAQs
The following information can help answer your remaining questions about finding the best car insurance in New Jersey.
How much is car insurance in New Jersey?
On average, New Jersey drivers pay $216 per month for car insurance. The average cost by coverage level is $174 per month for liability and $259 for full coverage.
What are the best car insurance companies in New Jersey?
State Farm, The General, and Allstate are a few good options to consider. But the best car insurer in New Jersey ultimately depends on your unique budget, needs, and preferences. You should always compare quotes from several insurance companies when looking for coverage.
What is the required auto insurance coverage amount in New Jersey?
New Jersey requires minimum liability insurance of $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 in property damage liability, and $15,000 in personal injury protection (PIP).[?] Although a second phase of higher liability limits will be effective on Jan. 1, 2026.
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