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Cheap Car Insurance in New Jersey

Car insurance rates in New Jersey can be relatively high compared to other states. However, some options don’t leave a big dent in your pocket and still secure you financially in emergencies. Let’s explore some of the best bets for cheap car insurance in New Jersey.
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Cheap Car Insurance in New Jersey
This blog compares available options for cheap car insurance in New Jersey. Insurance coverage in this state is obligatory for all vehicles utilized or parked on public roadways.
In this article

Navigating the roads of New Jersey comes with a price tag. For New Jersey drivers, car insurance amounts to an average of about $1,459 per year, roughly 4% more than the national average.

Yet, for new drivers in New Jersey looking for cheap auto insurance in NJ for new drivers, the journey to finding affordable rates can seem daunting due to the perceived risk by insurers. But here’s the twist: your location isn’t the sole compass guiding your premiums in the realm of cheap car insurance in New Jersey. Factors such as your age, driving history, and even your ZIP code blend into the mix, shaping the final premium in your mailbox.

But here’s the exciting part – this isn’t a road without options. In this guide, we’ll secure cheap car insurance in New Jersey. We’ll unveil the secrets to achieving the perfect balance between protection and your wallet at any age, ensuring you’re not overpaying for peace of mind on New Jersey’s bustling roadways.

So, fasten your seatbelt as we explore the avenues to find cheap car insurance in New Jersey, providing financial security and peace of mind as you cruise the state’s diverse landscapes.

Cheap Car Insurance in New Jersey

Looking for the cheapest car insurance in New Jersey? Here are some insights.

Firstly, if you’re looking for minimum-coverage car insurance, the average cost in the Garden State is around $86 per month or $1,036 annually.

On the other hand, if you opt for full coverage, it’s pricier, averaging about $159 per month, nearly double the cost of a liability-only policy. It’s also important to note that New Jersey increased its minimum bodily injury and property damage liability limits starting January 1, 2023.

Connect with your insurance provider to review your coverage to ensure you meet these new requirements. This step will help you avoid any legal or financial hassles.

What is the cheapest car insurance in New Jersey?

If you’re wondering what are your options for cheap car insurance in New Jersey, look no further. As per our recent analysis, the top affordable contenders in Garden State – New Jersey, include State Farm, NJM, Penn National, and Geico. Among these, Geico takes the lead with an average monthly rate of just $123 for full coverage.

Full coverage car insurance in New Jersey costs around $2,809 per year or approximately $234 per month. Regarding minimum coverage, the average price in New Jersey is about $1,146 per year. However, there are even better deals available.

For instance, State Farm shines as the most budget-friendly option, offering minimum coverage at an average yearly cost of $281 for a 30-year-old driver with a clean driving record. To zero in on the best option for cheap car insurance in New Jersey, your best bet is to shop around and compare quotes from various insurance providers. 

Here is the list of companies with average car insurance rates in New Jersey:

CompanyMonthly Rate ($)
Geico$44
Plymouth Rock$67
NJM$74
State Farm$79
Travelers$94
Progressive$101
Allstate$102
Farmers$130
Table 1.0. Average car insurance rates in New Jersey

How do we choose the cheapest companies in New Jersey?

Selecting the cheapest insurance companies in New Jersey was a thoughtful process. We examined rates from various insurers, considering full and minimum coverage options. Our goal was to identify the companies that consistently offered the most budget-friendly rates while maintaining good service quality.

We also considered factors like the driver’s age, driving record, and coverage needs to ensure our recommendations catered to a wide range of individuals. By carefully analyzing these elements, we could pinpoint companies like Geico and State Farm as top choices for affordable car insurance in the state.

Cheap car insurance in New Jersey

Finding cheap car insurance in New Jersey and savvy shopping is vital. New Jersey offers a range of insurance providers, and the path to wallet-friendly coverage lies in comparing your options. Companies like Geico, Plymouth Rock, and NJM often provide competitive rates.

To keep costs in check, maintain a clean driving record and tailor your coverage to your needs. Remember that the cheapest car insurance varies based on age and driving history. So, explore your choices and fine-tune your policy to strike the right balance between savings and coverage.

welcome to new jersey - board

New Jersey Rates for Teen Drivers

Car insurance rates for teen drivers in New Jersey hinge greatly on age. Optimal choices for teens on their family’s policy include GEICO, offering rates of around $2,059 per year for males and $1,919 per year for females, and Travelers, with approximately $2,743 per year for males and $2,469 per year for females.

On the other hand, Foremost tends to be pricier, reaching $4,635 per year for females and $5,186 per year for males, both for 16-year-olds on their parent’s policy.

Rates typically decrease with age, with 19-year-old males finding the most affordable option at $1,877 per year with Travelers. Adding a teen to your family’s policy, rather than securing an individual one, is often much more cost-effective, saving an average of $2,854 per year, especially considering that most teens under 18 can’t get their auto policy without parental consent.

Here is a table providing a summary of the average New Jersey rates for teen drivers:

CompanyFamily Plan Annual PremiumIndividual Plan Annual Premium
GEICO$1,919$2,264
Travelers$2,469$4,551
State Farm$2,911$3,445
Progressive$3,392$10,839
Allstate$3,802$4,372
Foremost$4,635$9,587
Table 1.1. Average New Jersey rates for teen drivers

Cheapest for 20-year-old drivers

Age plays a significant role in car insurance rates for drivers in their 20s in New Jersey. Insurance companies often view younger drivers, including those in their 20s, as higher risks due to their increased likelihood of accidents.

Finding affordable car insurance as a 20-year-old driver in New Jersey can be challenging. Young drivers often face high premiums, but these rates tend to decrease with more experience on the road. Shopping around is crucial, as some companies consistently offer better rates for young drivers.

In New Jersey, the most budget-friendly options for full coverage in your 20s are found with companies like Plymouth Rock and NJM. 

Cheapest full coverage car insurance in New Jersey for 20-year-olds

For full coverage, car insurance in New Jersey for 20-year-olds

Insurance CompanyAnnual PremiumMonthly Premium
Geico$2,256$188
NJM$2,491$208
Penn National$3,363$280
Plymouth Rock$3,515$293
Travelers$4,047$337

These choices provide young drivers with cost-effective coverage. However, premiums can vary based on individual circumstances, such as driving history and location.

Cheapest minimum coverage car insurance in New Jersey for 20-year-olds

For 20-year-olds seeking the most budget-friendly minimum coverage car insurance in New Jersey, options like

Insurance CompanyAnnual PremiumMonthly Premium
Geico$703$59
State Farm$806$67
NJM$1,163$97
Progressive$1,492$124
Amica$1,583$132

Cheapest auto insurance in New Jersey for 20-year-olds with poor credit

For 20-year-old drivers in New Jersey with poor credit, some budget-friendly auto insurance choices are available.

Insurance CompanyAnnual PremiumMonthly Premium
Geico$1,600$133
Plymouth Rock$1,660$138
Good2Go$1,675$140
Progressive$2,027$169
NJM$2,162$180

These options can help you find more affordable insurance even with a less-than-ideal credit history.

Cheapest auto insurance in New Jersey for 20-year-olds with one speeding ticket

Obtaining affordable car insurance for 20-year-olds with speeding tickets in New Jersey can be challenging.

Insurance CompanyAnnual PremiumMonthly Premium
Geico$703$59
State Farm$1,435$120
NJM$1,448$121
Progressive$1,729$144
Amica$1,817$151

Cheapest auto insurance in New Jersey for 20-year-olds with one at-fault crash

20-year-old drivers in New Jersey facing the aftermath of at-fault accidents encounter higher insurance costs.

Insurance CompanyAnnual PremiumMonthly Premium
Geico$817$68
NJM$1,163$97
State Farm$1,352$113
Amica$1,652$138
Progressive$1,853$154

Cheapest auto insurance in New Jersey for 20-year-olds after a DUI

Young drivers with DUI convictions face steep insurance premiums.

Insurance CompanyAnnual PremiumMonthly Premium
Geico$1,044$87
NJM$1,448$121
Progressive$1,669$139
Plymouth Rock$1,819$152
Foremost$2,778$232

Cheapest for 30-year-old drivers

For 30-year-old drivers in New Jersey, obtaining affordable car insurance is typically more manageable than for younger age groups. Prices become more reasonable as drivers reach this age and accrue more experience.

Nonetheless, comparing quotes from different insurers to secure the best rates remains essential. In New Jersey, companies such as NJM and Plymouth Rock often provide competitive rates for full coverage. On average, 30-year-old drivers can anticipate lower premiums than their younger counterparts, thanks to their more favorable driving history and increased road experience.

Cheapest full coverage car insurance in New Jersey for 30-year-olds

Full coverage car insurance offers comprehensive financial protection.

Insurance CompanyAnnual PremiumMonthly Premium
Geico$1,157$96
NJM$1,481$123
Penn National$1,732$144
Travelers$2,006$167
State Farm$2,046$171

Cheapest minimum coverage car insurance in New Jersey for 30-year-olds

The cheapest minimum coverage car insurance for 30-year-olds protects against damages or injuries. Rates may vary, but companies like

Insurance CompanyAnnual PremiumMonthly Premium
State Farm$360$30
Geico$408$34
NJM$649$54
Progressive$715$60
Amica$761$63

Cheapest auto insurance in New Jersey for 30-year-olds with poor credit

The cheapest auto insurance in New Jersey for 30-year-olds with poor credit can be found with companies like

Insurance CompanyAnnual PremiumMonthly Premium
NJM$2,495$208
Geico$2,580$215
Encompass$3,452$288
Penn National$3,500$292
Progressive$3,925$327

These options cater to those with less favorable credit scores.

Cheapest auto insurance in New Jersey for 30-year-olds with one speeding ticket

Insurance for 30-year-olds with one speeding ticket can be found with companies like

Insurance CompanyAnnual PremiumMonthly Premium
Geico$408$34
State Farm$623$52
NJM$872$73
Progressive$885$74
Amica$989$82

Cheapest auto insurance in New Jersey for 30-year-olds with one at-fault crash

The cheapest auto insurance in New Jersey for 30-year-olds with one at-fault crash is attainable.

Insurance CompanyAnnual PremiumMonthly Premium
NJM$1,608$134
Geico$1,660$138
Penn National$2,530$211
Amica$2,779$232
Travelers$3,107$259

Cheapest auto insurance in New Jersey for 30-year-olds after a DUI

Cheap auto insurance options in New Jersey for 30-year-olds after a DUI remain more expensive due to the incident, but affordable choices include

Insurance CompanyAnnual PremiumMonthly Premium
NJM$1,949$162
Geico$2,412$201
Progressive$2,822$235
Plymouth Rock$2,846$237
Travelers$3,397$283
cheapest auto insurance in new jersey for 30-year-olds after a dui

Cheapest for 40-year-old drivers

Generally, 40-year-old drivers in New Jersey benefit from more favorable insurance rates than their younger counterparts. However, these rates might still be higher than those for older age groups.

To secure affordable car insurance, it’s advisable to shop around and gather quotes from multiple insurers. Pay-per-mile insurance presents a cost-effective option for those who drive infrequently and maintain a good driving record.

This insurance model calculates rates based on the miles driven, potentially resulting in substantial savings.

Cheapest full coverage car insurance in New Jersey for 40-year-olds

For 40-year-olds in New Jersey with clean driving records, the most affordable full-coverage car insurance options include

Insurance CompanyAnnual PremiumMonthly Premium
Geico$1,104$92
NJM$1,393$116
Penn National$1,598$133
Travelers$1,970$164
Selective$1,989$166

Cheapest minimum coverage car insurance in New Jersey for 40-year-olds

For 40-year-olds in New Jersey seeking the most basic coverage, State Farm offers minimum coverage car insurance at an average annual rate

Insurance CompanyAnnual PremiumMonthly Premium
State Farm$362$30
Geico$400$33
NJM$611$51
Progressive$670$56
Amica$742$62

Cheapest auto insurance in New Jersey for 40-year-olds with poor credit

The cheapest auto insurance in New Jersey for 40-year-olds with poor credit offers options like

Insurance CompanyAnnual PremiumMonthly Premium
NJM$2,408$201
Geico$2,443$204
Penn National$3,203$267
Encompass$3,452$288
Progressive$3,608$301

Cheapest auto insurance in New Jersey for 40-year-olds with one speeding ticket

Drivers in New Jersey aged 40 with a recent speeding ticket can secure affordable minimum coverage car insurance.

Insurance CompanyAnnual PremiumMonthly Premium
Geico$400$33
State Farm$627$52
NJM$819$68
Progressive$836$70
Amica$970$81

Cheapest auto insurance in New Jersey for 40-year-olds with one at-fault crash

The cheapest auto insurance in New Jersey for 40-year-olds with one at-fault crash is available through

Insurance CompanyAnnual PremiumMonthly Premium
NJM$1,510$126
Geico$1,563$130
Penn National$2,323$194
Amica$2,716$226
Plymouth Rock$3,093$258

Cheapest auto insurance in New Jersey for 40-year-olds after a DUI

Affordable auto insurance options are available for 40-year-olds in New Jersey with a DUI on their record.

Insurance CompanyAnnual PremiumMonthly Premium
NJM$1,829$152
Geico$2,277$190
Progressive$2,610$218
Plymouth Rock$2,750$229
Penn National$3,445$287

Cheapest for 50-year-old drivers

Cheapest car insurance is typically more accessible for 50-year-olds in New Jersey, as they enjoy lower average rates than most age groups. Rates often decrease as they approach their 60s, accruing more driving experience.

However, factors such as gender and location can still influence rates. To secure the best rate, it’s wise for 50-year-old drivers to shop around, and our list of cheap auto insurance companies serves as a valuable starting point for their search.

Cheapest full coverage car insurance in New Jersey for 50-year-olds

Are you opting for the cheapest full-coverage car insurance in New Jersey for 50-year-olds? Cheapest full coverage car insurance extends appealing rates to drivers with clean records.

Insurance CompanyAnnual PremiumMonthly Premium
Geico$1,040$87
NJM$1,303$109
Penn National$1,486$124
Selective$1,805$150
Travelers$1,840$153

Cheapest minimum coverage car insurance in New Jersey for 50-year-olds

For those seeking budget-friendly minimum coverage car insurance in

Insurance CompanyAnnual PremiumMonthly Premium
State Farm$354$30
Geico$376$31
NJM$570$48
Progressive$643$54
Amica$698$58

Cheapest auto insurance in New Jersey for 50-year-olds with poor credit

If you’re a 50-year-old driver in New Jersey with poor credit, you can explore Selective,

Insurance CompanyAnnual PremiumMonthly Premium
NJM$2,233$186
Geico$2,276$190
Penn National$2,956$246
Encompass$3,154$263
Progressive$3,269$272

Cheapest auto insurance in New Jersey for 50-year-olds with one speeding ticket

Accessing the cheapest auto insurance in New Jersey for 50-year-olds with one speeding ticket remains possible.

Insurance CompanyAnnual PremiumMonthly Premium
Geico$376$31
State Farm$613$51
NJM$760$63
Progressive$817$68
Amica$926$77

Cheapest auto insurance in New Jersey for 50-year-olds with one at-fault crash

Options for 50-year-olds in New Jersey with one at-fault crash can be explored through NJM and Selective, although specific rates are not provided.

Insurance CompanyAnnual PremiumMonthly Premium
NJM$1,411$118
Geico$1,530$128
Penn National$2,149$179
Amica$2,566$214
Encompass$2,946$246

Cheapest auto insurance in New Jersey for 50-year-olds after a DUI

Exploring auto insurance options in New Jersey for 50-year-olds after a DUI is possible with choices

Insurance CompanyAnnual PremiumMonthly Premium
NJM$1,700$142
Geico$2,284$190
Progressive$2,412$201
Plymouth Rock$2,715$226
Penn National$3,179$265

Cheapest for 60-year-old drivers

60-year-olds typically benefit from lower car insurance rates than many other age groups. However, as they age, prices tend to increase. To secure affordable car insurance in their 60s, seniors should actively shop around and seek senior citizen discounts.

For married 60-year-old drivers in New Jersey, the average car insurance rate is $1,543 for women and $1,586 for men. Geico offers the most affordable option, with an average annual rate of $1,026 for both genders. Conversely, Farmers is pricier, with rates averaging $2,409 for women and $2,467 for men.

Cheapest full coverage car insurance in New Jersey for 60-year-olds

60-year-old drivers with spotless driving records may find appealing options with

Insurance CompanyAnnual PremiumMonthly Premium
Geico$1,055$88
NJM$1,215$101
Penn National$1,484$124
Selective$1,717$143
Travelers$1,777$148

Cheapest minimum coverage car insurance in New Jersey for 60-year-olds

Individuals in New Jersey seeking the state’s minimum coverage should explore options like

Insurance CompanyAnnual PremiumMonthly Premium
State Farm$331$28
Geico$385$32
NJM$536$45
Progressive$627$52
Amica$698$58

Cheapest auto insurance in New Jersey for 60-year-olds with poor credit

Drivers with less favorable credit scores in New Jersey can consider companies such as

Insurance CompanyAnnual PremiumMonthly Premium
NJM$2,070$173
Geico$2,316$193
Penn National$2,952$246
Selective$3,124$260
Progressive$3,138$261

Cheapest auto insurance in New Jersey for 60-year-olds with one speeding ticket

Several insurance companies offer competitive rates for minimum coverage for individuals in New Jersey who have recently received a speeding ticket.

Insurance CompanyAnnual PremiumMonthly Premium
Geico$385$32
State Farm$570$48
NJM$713$59
Progressive$797$66
Amica$926$77

Cheapest auto insurance in New Jersey for 60-year-olds with one at-fault crash

Drivers in New Jersey recently involved in an at-fault accident can explore options such as

Insurance CompanyAnnual PremiumMonthly Premium
NJM$1,313$109
Geico$1,555$130
Penn National$2,146$179
Amica$2,566$214
Plymouth Rock$2,725$227

To mitigate the impact on insurance costs, reviewing policy details and considering enrolling in defensive driving courses is advisable.

Cheapest auto insurance in New Jersey for 60-year-olds after a DUI

Following a DUI, individuals in New Jersey may face significant increases in their auto insurance rates. While specific average rates for insurance after a DUI were not provided

Insurance CompanyAnnual PremiumMonthly Premium
NJM$1,577$131
Geico$2,325$194
Progressive$2,337$195
Plymouth Rock$2,555$213
Penn National$3,173$264
cheapest auto insurance in new jersey for 60-year-olds after a dui

Cheapest for 70-year-old drivers

As drivers reach the age of 70, car insurance rates may begin to increase. To secure the most affordable coverage, comparing shops and obtaining quotes from various insurers is crucial. Additionally, watch for insurers that provide discounts tailored to seniors.

For instance, Geico offers full coverage car insurance in New Jersey for 70-year-olds at $1,350 per year (approximately $112 per month) and extends discounts to senior drivers who complete defensive driving courses.

Cheapest full coverage car insurance in New Jersey for 70-year-olds

Drivers in New Jersey with clean driving records may want to explore quotes from NJM,

Insurance CompanyAnnual PremiumMonthly Premium
Geico$1,085$90
NJM$1,254$105
Penn National$1,709$142
Selective$1,786$149
State Farm$2,042$170

Cheapest minimum coverage car insurance in New Jersey for 70-year-olds

For those seeking the state’s minimum coverage, consider insurers like

Insurance CompanyAnnual PremiumMonthly Premium
State Farm$379$32
Geico$407$34
NJM$561$47
Amica$663$55
Progressive$767$64

Cheapest auto insurance in New Jersey for 70-year-olds with poor credit

Drivers with less favorable credit scores in New Jersey can explore options with

Insurance CompanyAnnual PremiumMonthly Premium
NJM$2,135$178
Geico$2,393$199
Selective$3,232$269
Penn National$3,449$287
Encompass$3,925$327

Cheapest auto insurance in New Jersey for 70-year-olds with one speeding ticket

Companies like

Insurance CompanyAnnual PremiumMonthly Premium
Geico$407$34
State Farm$658$55
NJM$748$62
Amica$888$74
Progressive$1,041$87

May offer competitive rates for minimum coverage for individuals with recent speeding tickets in New Jersey.

Cheapest auto insurance in New Jersey for 70-year-olds with one at-fault crash

After an at-fault crash, maintaining affordable coverage is possible with companies like

Insurance CompanyAnnual PremiumMonthly Premium
NJM$1,357$113
Geico$1,586$132
Penn National$2,494$208
Amica$2,500$208
Plymouth Rock$2,945$245

Cheapest auto insurance in New Jersey for 70-year-olds after a DUI

Insurance CompanyAnnual PremiumMonthly Premium
NJM$1,631$136
Geico$2,357$196
Plymouth Rock$2,763$230
Progressive$3,164$264
Selective$3,451$288

companies may provide potential solutions for obtaining reasonable rates, although specific rates are not detailed.

How Much Is Full Coverage Car Insurance in New Jersey?

Full coverage car insurance in New Jersey provides essential financial protection, including comprehensive and collision insurance to address vehicle damage. Geico emerges as the most budget-friendly choice, with an average monthly expense of $87 or an annual cost of $1,040, notably below the state’s $159 monthly average for full coverage.

State Farm, Progressive, NJM, and Plymouth Rock also present competitive pricing, underscoring the importance of New Jersey drivers exploring various options. These policies offer comprehensive safeguards, aiding with car damage due to accidents and offering a reassuring driving experience.

Average annual car insurance rates in New Jersey by company

In New Jersey, car insurance rates vary depending on your chosen insurance company. On average, annual rates for some popular insurers in the state are as follows:

  • NJM: $1,378 per year.
  • Geico: $1,553 per year.
  • Progressive: $1,695 per year.
  • State Farm: $1,823 per year.
  • Allstate: $2,125 per year.

These rate disparities highlight the importance of location when determining car insurance costs in New Jersey. For example, Newark and Irvington are the most expensive at $235 per month. On the other hand, drivers in Madison enjoy the state’s lowest average rate of $137 per month.

How Much Is Liability-Only Coverage Car Insurance in New Jersey?

In New Jersey, it is a legal requirement to have liability insurance for driving. You must also maintain personal injury protection (PIP) and uninsured motorist coverage, even if you opt for a liability-only policy.

The minimum PIP coverage required is $15,000, encompassing medical expenses, lost wages, funeral costs, and essential household and childcare services if injuries prevent you from performing these tasks. Lenders typically demand full coverage, including liability, when financing or leasing a vehicle, often stipulating specific deductible limits and higher liability limits than the state’s minimum requirements.

Minimum car insurance requirements in New Jersey

New Jersey updated its minimum car insurance requirements with higher bodily injury and property damage liability limits. The minimum requirements now include:

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000 per accident
  • PIP (Personal Injury Protection): $15,000

If you had a minimum coverage policy the previous year, expect your 2023 renewal rates to increase to meet the new minimum requirements.

Tips for How to Get Cheap Car Insurance in New Jersey

Here are the tips for how can get the best car insurance in New Jersey:

  • Shop around and get quotes from multiple insurers to find the best rates.
  • Combine auto and home insurance for potential discounts.
  • Safe driving can lead to lower premiums.
  • Ask about discounts for safe driving, anti-theft devices, or good student status.
  • If you drive infrequently, pay-per-mile insurance can offer cost savings.

Comparing quotes can help you zero in on the best deal for your budget and provide the coverage you need in case of an accident. You can use Beem to find the best insurance quotes to help you make the right choice.

No-fault insurance in New Jersey

New Jersey operates as a no-fault state, mandating that drivers maintain personal injury protection (PIP) and liability insurance.

The “PIP” covers medical expenses and other out-of-pocket losses for all policyholders, regardless of fault in the accident, up to the policy’s coverage limits. What sets New Jersey apart is its provision of two options for minimum coverage: the Basic Policy and the Standard Policy.

Conclusion

Obtaining cheap car insurance in New Jersey requires a deep understanding of the state’s unique factors. While the average rates in the Garden State may slightly surpass the national average, drivers can effectively manage these expenses. 

Our analysis shows that Geico and NJM consistently stand out as among the top insurance companies to explore for cheap car insurance in New Jersey.

Their competitive rates and various available discounts solidify them as excellent options for budget-conscious drivers. By embracing these insights and actively pursuing discounts, New Jersey residents can secure dependable coverage and realize significant savings on auto insurance.

Insurance rates can vary significantly, so comparing options can yield substantial savings. Beem can help you zero in on the best car insurance plans. Auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others. 

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new-jersey-area-map

FAQs

Is car insurance required in New Jersey?

Car insurance is mandatory in New Jersey for all-age drivers.

Which cars are required to be insured in New Jersey?

In New Jersey, insurance coverage is obligatory for all vehicles utilized or parked on public roadways. This requirement extends to passenger cars, trucks, motorcycles, and commercial vehicles.

When should I get car insurance in New Jersey?

You should have car insurance before driving a registered vehicle in New Jersey. Failing to do so may result in penalties, fines, and license suspension.

How much car insurance do I need in New Jersey?

New Jersey has specific minimum coverage requirements, including liability and personal injury protection (PIP).

How much is car insurance in my city in New Jersey?

Car insurance costs vary by city in New Jersey, with factors like driving history, vehicle type, location, and driving history influencing rates.

What happens if my car is not correctly insured in New Jersey?

Driving without proper insurance can result in fines, license suspension, and vehicle impoundment.

Is New Jersey a no-fault state?

New Jersey operates as a no-fault state, requiring personal injury protection (PIP) coverage.

What happens if my car is not correctly insured in New Jersey?

Driving without proper insurance can result in fines, license suspension, and vehicle impoundment.

Is New Jersey a no-fault state?

New Jersey operates as a no-fault state, requiring personal injury protection (PIP) coverage.

Do I need uninsured motorist coverage in New Jersey?

Uninsured motorist coverage is required in New Jersey unless you opt for a Basic Policy.

Is liability insurance required in New Jersey?

Yes, liability insurance is mandatory in New Jersey. The minimum coverage amounts are mandated by state law.

Does New Jersey accept digital insurance cards?

New Jersey accepts digital insurance cards as proof of coverage.

Is insurance expensive in New Jersey?

Car insurance rates in New Jersey can be relatively high compared to other states.

What’s the average cost of car insurance in New Jersey?

The average rate for full-coverage auto insurance in New Jersey is $1,492 per year or $124 per month. It varies by factors like location, driving history, and coverage options, making it essential to compare quotes.

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Author

Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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Car insurance premiums in Jonesboro, AR, average $1,744 per year, which is somewhat lower than the state average and determined by characteristics such as age, credit score, and driving history. Understanding local driving conditions and looking into discounts may greatly influence rates - read on to learn more!
car insurance in Hermosa
Best Car Insurance in Hermosa
Finding the right car insurance in Hermosa Beach, California, is critical for keeping yourself and your vehicle safe. Read on to know more.
Cheapest Car Insurance in West Virginia
Cheapest Car Insurance in West Virginia
Considering car insurance companies have different ways of calculating their premium for the best coverage, it is important to compare rates from multiple providers. This guide provides the necessary details to find the cheapest car insurance in West Virginia to help you make an informed decision.
car insurance in Chattanooga
Car Insurance In Chattanooga
Several factors influence car insurance in Chattanooga, including your driving record, age, type of vehicle, location, and credit score. Additionally, coverage options, deductibles, and insurance history can impact the cost of your premiums.
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Save up to 40% on car insurance

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Insure up to $1 Million

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File federal and state taxes at low cost

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Get up to $1,000 for emergencies

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