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
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:
Average cost of car insurance in New Jersey
The average cost of liability car insurance in New Jersey is $161 per month, which is higher than the national average of $104. For full-coverage insurance, the average is $225 per month in New Jersey, which is slightly lower than the U.S. average of $184.
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.