Cheap Car Insurance In New Jersey 2025

The Cheapest Car Insurance Companies in New Jersey for Good Drivers

Cheapest for...	Company	Average monthly cost in New Jersey	Learn More
20-year-olds	Travelers	$172	See Plans Via Forbes Advisor's Partner
30-year-olds	Travelers	$119	See Plans Via Forbes Advisor's Partner
40-year-olds	Travelers	$113	See Plans Via Forbes Advisor's Partner
50-year-olds	Travelers	$109	See Plans Via Forbes Advisor's Partner
60-year-olds	Travelers	$100	See Plans Via Forbes Advisor's Partner
70-year-olds	Selective	$105	See Plans Via Forbes Advisor's Partner
80-year-olds	Selective	$113	See Plans Via Forbes Advisor's Partner

Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheap Car Insurance for 20-Year-Olds in New Jersey

Young drivers in New Jersey can face steep insurance costs, especially if the teen isn’t on a parent’s auto insurance policy. In New Jersey, these companies had the cheapest car insurance according to our analysis.

Cheapest Full Coverage Car Insurance for 20-Year-Olds in New Jersey

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $172 a month
2. NJM: $238 a month
3. Palisades: $264 a month
4. Selective: $328 a month
5. Progressive: $346 a month

Cheapest Minimum Coverage for 20-Year-Olds in New Jersey

If you’re looking for only the minimum auto insurance in New Jersey, check prices from these companies.

1. Geico: $80 a month
2. Palisades: $98 a month
3. Travelers: $117 a month
4. NJM: $118 a month
5. Allstate: $132 a month

Cheapest Auto Insurance for 20-Year-Olds in New Jersey With Poor Credit

Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

1. Travelers: $334 a month
2. NJM: $421 a month
3. Selective: $581 a month
4. Progressive: $582 a month
5. Mercury: $623 a month

Cheapest Auto Insurance for 20-Year-Olds in New Jersey With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in New Jersey for drivers with a speeding ticket.

1. Travelers: $218 a month
2. NJM: $295 a month
3. Palisades: $340 a month
4. Geico: $392 a month
5. Progressive: $450 a month

Cheapest Car Insurance in New Jersey for 20-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for New Jersey drivers who caused an accident that injured someone else.

1. NJM: $238 a month
2. Travelers: $273 a month
3. Palisades: $386 a month
4. Geico: $414 a month
5. Progressive: $486 a month

Cheapest Auto Insurance for 20-Year-Olds in New Jersey After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in New Jersey who have a DUI conviction.

1. Travelers: $257 a month
2. NJM: $295 a month
3. Palisades: $329 a month
4. Progressive: $412 a month
5. Geico: $509 a month

Cheap Car Insurance for 30-Year-Olds in New Jersey

Drivers age 30 in New Jersey can find high insurance quotes depending on their driving record. Here’s a look at the best companies for a variety of common driving records.

Cheapest Full Coverage Car Insurance for 30-Year-Olds in New Jersey

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $119 a month
2. Selective: $137 a month
3. NJM: $147 a month
4. Palisades: $156 a month
5. Penn National: $195 a month

Cheapest Minimum Coverage for 30-Year-Olds in New Jersey

If you’re looking for only the minimum auto insurance in New Jersey, check rates from these companies.

1. Geico: $50 a month
2. Palisades: $62 a month
3. NJM: $70 a month
4. Allstate: $85 a month
5. Selective: $88 a month

Cheapest Auto Insurance for 30-Year-Olds in New Jersey With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

1. Selective: $234 a month
2. Travelers: $250 a month
3. NJM: $256 a month
4. Progressive: $325 a month
5. Mercury: $341 a month

Cheapest Auto Insurance for 30-Year-Olds in New Jersey With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in New Jersey for drivers with a speeding ticket.

1. Travelers: $154 a month
2. NJM: $196 a month
3. Palisades: $199 a month
4. Selective: $210 a month
5. Geico: $237 a month

Cheapest Car Insurance in New Jersey for 30-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for New Jersey drivers who caused an accident that injured someone else.

1. NJM: $160 a month
2. Travelers: $193 a month
3. Palisades: $224 a month
4. Selective: $224 a month
5. Geico: $265 a month

Cheapest Auto Insurance for 30-Year-Olds in New Jersey After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in New Jersey who have a DUI conviction.

1. Travelers: $181 a month
2. Palisades: $191 a month
3. NJM: $196 a month
4. Progressive: $238 a month
5. Selective: $267 a month

Cheap Car Insurance for 40-Year-Olds in New Jersey

New Jersey drivers age 40 can typically save substantial money by comparing quotes from multiple insurers. We looked at which insurers offer the best rates in New Jersey, depending on your driving record.

Cheapest Full Coverage Car Insurance for 40-Year-Olds in New Jersey

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $113 a month
2. Selective: $120 a month
3. NJM: $139 a month
4. Palisades: $152 a month
5. Penn National: $179 a month

Cheapest Minimum Coverage for 40-Year-Olds in New Jersey

If you’re looking for only the required auto insurance in New Jersey, check prices from these companies.

1. Geico: $49 a month
2. Palisades: $59 a month
3. NJM: $68 a month
4. Selective: $80 a month
5. Allstate: $85 a month

Cheapest Auto Insurance for 40-Year-Olds in New Jersey With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

1. Selective: $203 a month
2. Travelers: $246 a month
3. NJM: $248 a month
4. Progressive: $307 a month
5. Mercury: $323 a month

Cheapest Auto Insurance for 40-Year-Olds in New Jersey With a Speeding Ticket

Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in New Jersey for drivers with a speeding ticket.

1. Travelers: $155 a month
2. Selective: $182 a month
3. NJM: $185 a month
4. Palisades: $192 a month
5. Geico: $229 a month

Cheapest Car Insurance in New Jersey for 40-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for New Jersey drivers who caused an accident that injured someone else.

1. NJM: $151 a month
2. Selective: $195 a month
3. Travelers: $196 a month
4. Palisades: $217 a month
5. Geico: $255 a month

Cheapest Auto Insurance for 40-Year-Olds in New Jersey After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in New Jersey who have a DUI conviction.

1. Travelers: $183 a month
2. NJM: $185 a month
3. Palisades: $185 a month
4. Progressive: $225 a month
5. Selective: $231 a month

Cheap Car Insurance for 50-Year-Olds in New Jersey

New Jersey drivers in their 50s are enjoying the lowest rates they’ll get based on age. But an imperfect driving record can make cheap car insurance harder to find.

Cheapest Full Coverage Car Insurance for 50-Year-Olds in New Jersey

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $109 a month
2. Selective: $109 a month
3. NJM: $129 a month
4. Palisades: $150 a month
5. Penn National: $167 a month

Cheapest Minimum Coverage for 50-Year-Olds in New Jersey

If you’re looking for only the minimum auto insurance in New Jersey, check rates from these companies.

1. Geico: $46 a month
2. Palisades: $60 a month
3. NJM: $63 a month
4. Selective: $72 a month
5. Allstate: $78 a month

Cheapest Auto Insurance for 50-Year-Olds in New Jersey With Poor Credit

Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Selective: $183 a month
2. NJM: $230 a month
3. Travelers: $232 a month
4. Progressive: $279 a month
5. Mercury: $284 a month

Cheapest Auto Insurance for 50-Year-Olds in New Jersey With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in New Jersey for drivers with a speeding ticket.

1. Travelers: $149 a month
2. Selective: $165 a month
3. NJM: $171 a month
4. Palisades: $190 a month
5. Geico: $218 a month

Cheapest Car Insurance in New Jersey for 50-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for New Jersey drivers who caused an accident that injured someone else.

1. NJM: $141 a month
2. Selective: $176 a month
3. Travelers: $187 a month
4. Palisades: $214 a month
5. Geico: $244 a month

Cheapest Auto Insurance for 50-Year-Olds in New Jersey After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in New Jersey who have a DUI conviction.

1. NJM: $171 a month
2. Travelers: $176 a month
3. Palisades: $183 a month
4. Progressive: $207 a month
5. Selective: $208 a month

 

Cheap Car Insurance for 60-Year-Olds in New Jersey

Car insurance quotes often begin to rise around age 65, even if you have a good driving record. We found the cheapest insurers for New Jersey drivers at age 60.

Cheapest Full Coverage Car Insurance for 60-Year-Olds in New Jersey

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Travelers: $100 a month
2. Selective: $104 a month
3. NJM: $121 a month
4. Palisades: $151 a month
5. Progressive: $164 a month

Cheapest Minimum Coverage for 60-Year-Olds in New Jersey

If you’re looking for only the minimum auto insurance in New Jersey, check prices from these companies.

1. Geico: $48 a month
2. NJM: $60 a month
3. Palisades: $61 a month
4. Selective: $68 a month
5. Allstate: $79 a month

Cheapest Auto Insurance for 60-Year-Olds in New Jersey With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Selective: $174 a month
2. NJM: $212 a month
3. Travelers: $214 a month
4. Progressive: $266 a month
5. Mercury: $275 a month

Cheapest Auto Insurance for 60-Year-Olds in New Jersey With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in New Jersey for drivers with a speeding ticket.

1. Travelers: $144 a month
2. Selective: $156 a month
3. NJM: $159 a month
4. Palisades: $192 a month
5. Geico: $219 a month

Cheapest Car Insurance in New Jersey for 60-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for New Jersey drivers who caused an accident that injured someone else.

1. NJM: $131 a month
2. Selective: $168 a month
3. Travelers: $180 a month
4. Palisades: $216 a month
5. Geico: $246 a month

Cheapest Auto Insurance for 60-Year-Olds in New Jersey After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in New Jersey who have a DUI conviction.

1. NJM: $159 a month
2. Travelers: $170 a month
3. Palisades: $184 a month
4. Selective: $198 a month
5. Progressive: $199 a month

Cheap Car Insurance for 70-Year-Olds in New Jersey

New Jersey drivers age 70 are getting higher rates due to age. But relatively cheap auto insurance can still be found by comparing rates from a few companies.

Cheapest Full Coverage Car Insurance for 70-Year-Olds in New Jersey

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Selective: $105 a month
2. Travelers: $111 a month
3. NJM: $124 a month
4. Palisades: $163 a month
5. Geico: $169 a month

Cheapest Minimum Coverage for 70-Year-Olds in New Jersey

If you’re looking for only the minimum auto insurance in New Jersey, check rates from these companies.

1. Geico: $47 a month
2. NJM: $62 a month
3. Selective: $62 a month
4. Palisades: $66 a month
5. Allstate: $78 a month

Cheapest Auto Insurance for 70-Year-Olds in New Jersey With Poor Credit

Poor credit can cause a steep increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

1. Selective: $177 a month
2. NJM: $217 a month
3. Travelers: $238 a month
4. Mercury: $289 a month
5. Progressive: $328 a month

Cheapest Auto Insurance for 70-Year-Olds in New Jersey With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in New Jersey for drivers with a speeding ticket.

1. Selective: $159 a month
2. NJM: $163 a month
3. Travelers: $165 a month
4. Geico: $199 a month
5. Palisades: $207 a month

Cheapest Car Insurance in New Jersey for 70-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for New Jersey drivers who caused an accident that injured someone else.

1. NJM: $135 a month
2. Selective: $173 a month
3. Travelers: $207 a month
4. Geico: $227 a month
5. Palisades: $234 a month

Cheapest Auto Insurance for 70-Year-Olds in New Jersey After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in New Jersey who have a DUI conviction.

1. NJM: $163 a month
2. Travelers: $195 a month
3. Palisades: $199 a month
4. Selective: $201 a month
5. Progressive: $253 a month

Cheapest Car Insurance In Trenton, New Jersey

Cheapest for . . .	Company	Average monthly cost in Trenton	Learn more
Good drivers	Travelers	$112	See Plans Via Forbes Advisor's Partner
Drivers with a speeding ticket	Travelers	$153	See Plans Via Forbes Advisor's Partner
Drivers who caused an accident with injury	NJM	$169	See Plans Via Forbes Advisor's Partner
Drivers with a DUI	Travelers	$182	See Plans Via Forbes Advisor's Partner
Driver with poor credit	Travelers	$249	See Plans Via Forbes Advisor's Partner

Average rates are based on a 40-year-old female with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheapest Car Insurance In Newark, New Jersey

Cheapest for . . .	Company	Average monthly cost in Newark	Learn more
Good drivers	Travelers	$148	See Plans Via Forbes Advisor's Partner
Drivers with a speeding ticket	Geico	$189	See Plans Via Forbes Advisor's Partner
Drivers who caused an accident with injury	NJM	$197	See Plans Via Forbes Advisor's Partner
Drivers with a DUI	Palisades	$225	See Plans Via Forbes Advisor's Partner
Driver with poor credit	Selective	$270	See Plans Via Forbes Advisor's Partner

Average rates are based on a 40-year-old female with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheapest Car Insurance In Jersey City, New Jersey

Cheapest for . . .	Company	Average monthly cost in Jersey City	Learn more
Good drivers	Travelers	$128	See Plans Via Forbes Advisor's Partner
Drivers with a speeding ticket	Geico	$136	See Plans Via Forbes Advisor's Partner
Drivers who caused an accident with injury	NJM	$156	See Plans Via Forbes Advisor's Partner
Drivers with a DUI	NJM	$190	See Plans Via Forbes Advisor's Partner
Driver with poor credit	Selective	$256	See Plans Via Forbes Advisor's Partner

Average rates are based on a 40-year-old female with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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How to Find Cheap Car Insurance in New Jersey

Locating economical car insurance in New Jersey can be done by using a few strategies. A good car insurance policy for you will have a competitive price and coverage types that address the risks you have.

Compare Rates from Several Car Insurance Companies

A simple way to get cheap car insurance in New Jersey is to check insurance quotes from several companies. If you don’t have a variety of quotes to compare, you won’t know if you’re getting a good price. Even if your driving record isn’t perfect, shopping around can show significant cost differences among insurers.

Consider Switching Companies If Your Driving Record Changes

In some cases switching car insurance companies can result in a much better car insurance bill. This is especially true if your driving record has changed. A company that has cheap New Jersey car insurance for good drivers may not be cost-competitive for drivers with tickets or accidents on their records.

Regularly Review Your Car Insurance Coverage

If you haven’t reviewed your car policy in a while, it may be a smart move to assess your coverage details. There may be coverage you no longer need, such as roadside assistance coverage.

Rethink Your Deductible

You have a car insurance deductible if you have collision and comprehensive insurance. By raising that deductible you can reduce your insurance bill. Keep in mind that a larger deductible will mean you pay a higher portion of car repair costs if you make a claim.

Ask About Car Insurance Discounts

Many car insurance discounts are applied to your policy automatically, but there may be other car insurance discounts your insurer doesn’t know you’re eligible for. For example, if you have a high school or college student in your household who has good grades, you might be eligible for a good student discount. Ask your insurance company for a review of possible discounts.

Capture Savings by Bundling

Maximize your savings by bundling car insurance with other policies from the same insurer. Whether it’s New Jersey auto and home insurance or car insurance paired with condo or renters insurance, bundling can result in a significant cost reduction, often averaging around 14%, based on our analysis.

Get Savings for Your Insurance Payment Strategy

You may be able to get small price breaks based on the way you pay your car insurance bill. Some insurers offer discounts for:

• Going paperless for bills and policy documents.
• Using EFT payments if you’re paying in installments.
• Paying for the entire policy term at the beginning of the term.