New Jersey Auto Insurance Quotes

New Jersey auto insurance Traffic accidents are just that: accidents. However, there are often common causes of accidents, including distracted drivers and drunk driving. Auto insurance can help you recover financially should you get into a crash. 

As a driver in New Jersey, you are legally required to take out an auto insurance policy. All vehicles registered in the state of New Jersey must have the following types of insurance:

  • Liability insurance to cover the damage you cause. The minimum limits are 15,000 
  • Personal Injury Protection (PIP) to cover medical costs you may incur as a result of injury.
  • Uninsured motorist coverage to protect you against uninsured motorists.

The New Jersey Motor Vehicle Commission (MVC) regulates these requirements. The MVC can offer advice when it comes to reducing your insurance costs. This advice includes the following:

  • Consider choosing higher deductibles.
  • Consider choosing a limited right-to-sue clause.
  • If you're a student, maintain good grades.

Sample of Annual New Jersey Auto Insurance Rates

West Milford Auto Insurance

West Milford is the largest city in New Jersey when measured by land area, but has a population of only about 25,000 people. West Milford's claim to fame is former New York Yankees shortstop Derek Jeter. The baseball star was born in the area, and after his family moved to Michigan, Jeter returned to West Milford to spend the summers with his grandparents.

New Jersey State Route 23 passes through West Milford, running north to High Point State Park, and south toward Newark. Interstate 287 passes just south of town.

City Single Married
Low High Low High
West Milford $861.00 $1,817.00 $910.00 $1,547.00

Egg Harbor Township Auto Insurance

Egg Harbor Township is a suburb of Atlantic City and sees a lot of traffic from tourists on their way to the casinos. It is a small town with a population of about 43,000, but is the second-largest city in New Jersey when measured by geographical land area.

The Garden State Parkway crosses through Egg Harbor, running south to Atlantic City, and north toward Newark. The Atlantic City Expressway connects the town with Atlantic City. Egg Harbor is also the site of the Atlantic City International Airport.

City Single Married
Low High Low High
Egg Harbor Township $936.00 $2,185.00 $1,018.00 $1,945.00

Tuckerton

Tuckerton grew up around the site of a mill built in the early 1700s. The city became known for its shipbuilding and lumber industries. Tuckerton is surrounded by Little Egg Harbor Township.

Great Bay Boulevard leads to the Great Bay Boulevard Wildlife Management Area. U.S. Highway 9 leads to Stafford Township to the north and Bass River to the south. State Highway 539 connects to the Garden State Parkway to the northwest.

City Single Married
Low High Low High
Tuckerton $802.00 $1,827.00 $856.00 $1,546.00

Vineland Auto Insurance

Nestled between Philadelphia and Atlantic City, Vineland is a small town with a population of about 60,000 people, but is the state's fourth-largest city by land area. The town was named for its grape vineyards. Los Angeles Angles outfielder Mike Trout was born and raised in Vineland.

From Vineland, New Jersey State Route 55 runs north toward Philadelphia, and south toward the Atlantic coast. U.S. Route 40 connects Vineland with Atlantic City to the southeast.

City Single Married
Low High Low High
Vineland $838.00 $2,232.00 $894.00 $1,875.00

Howell Township Auto Insurance

Howell Township is a small town along the Atlantic Coast with a population of about 51,000 people. The town was named after New Jersey's third governor, Richard Howell.

Interstate 195 connects Howell Township with Trenton to the west. U.S. Route 9 runs north to Newark. Just east of Howell, the Garden State Parkway runs north toward Newark and south to Cape May. New Jersey Route 33 passes through Howell on the way toward the Atlantic Ocean.

City Single Married
Low High Low High
Howell $875.00 $1,981.00 $934.00 $1,692.00

Toms River Auto Insurance

Toms River is the eight-largest city in New Jersey with a population of more than 91,000 people. It is considered one of the safest places in the state. Toms River was featured in the television show, Jersey Shore.

From Toms River, the Garden State Parkway runs through Toms Rivers, heading north toward Newark and south to Atlantic City. U.S. Route 9 runs north into the Bronx neighborhood of New York City.

City Single Married
Low High Low High
Toms River $859.00 $1,813.00 $922.00 $1,768.00

Monroe Township Auto Insurance

Monroe Township is a New York City suburb with a population of about 39,000 people. Measured by land area, Monroe is the eighth-largest city in the state. The town was named after former President James Monroe.

Interstate 95 passes through the western edge of Monroe Township, heading north toward New York City, and south toward Washington, D.C. New Jersey State Route 33 heads east toward the Atlantic coast.

City Single Married
Low High Low High
Monroe Township $875.00 $1,981.00 $934.00 $1,677.00

Old Bridge Auto Insurance

Old Bridge is a New York City suburb with a population of about 65,000 people, making it the 18th-largest city in the Garden State. Old Bridge is the home of Cheesequake State Park. It is considered one of the safest places in New Jersey.

From Old Bridge, the Garden State Parkway runs north into Newark, and south toward Atlantic City. U.S. Route 9 runs through Old Bridge before crossing into the Bronx in New York City. Just west of town, Interstate 95 runs into New York City.

City Single Married
Low High Low High
Old Bridge $914.00 $2,085.00 $982.00 $1,818.00

City Single Married
Low High Low High
Absecon $936.00 $2,185.00 $1,018.00 $2,038.00
Allendale $876.00 $1,836.00 $929.00 $1,553.00
Allenhurst $814.00 $1,835.00 $866.00 $1,556.00
Allentown $801.00 $1,733.00 $848.00 $1,514.00
Allenwood $780.00 $1,606.00 $827.00 $1,514.00
Alpine $876.00 $1,972.00 $929.00 $1,805.00
Andover $793.00 $1,826.00 $834.00 $1,569.00
Annandale $783.00 $1,754.00 $821.00 $1,514.00
Asbury $783.00 $1,754.00 $821.00 $1,514.00
Asbury Park $814.00 $1,835.00 $866.00 $1,556.00
Atco $962.00 $2,192.00 $1,039.00 $1,989.00
Atlantic City $1,111.00 $3,067.00 $1,202.00 $2,555.00
Atlantic Highlands $814.00 $1,664.00 $866.00 $1,426.00
Audubon $823.00 $1,735.00 $882.00 $1,647.00
Augusta $793.00 $1,826.00 $834.00 $1,569.00
Avalon $771.00 $1,781.00 $822.00 $1,551.00
Avenel $914.00 $2,134.00 $982.00 $1,818.00
Avon-by-the-Sea $780.00 $1,606.00 $827.00 $1,514.00
Barnegat $802.00 $1,827.00 $856.00 $1,546.00
Barrington $772.00 $2,012.00 $827.00 $1,714.00
Basking Ridge $773.00 $1,754.00 $814.00 $1,514.00
Bayonne $958.00 $2,485.00 $1,024.00 $2,167.00
Bayville $802.00 $1,813.00 $856.00 $1,768.00
Beach Haven $802.00 $1,827.00 $856.00 $1,546.00
Beachwood $802.00 $1,813.00 $856.00 $1,768.00
Bedminster $773.00 $1,775.00 $814.00 $1,531.00
Belford $814.00 $1,664.00 $866.00 $1,456.00
Belle Mead $783.00 $1,754.00 $821.00 $1,514.00
Belleville $1,096.00 $2,688.00 $1,178.00 $2,383.00
Bellmawr $823.00 $2,012.00 $882.00 $1,714.00
Belmar $780.00 $1,606.00 $827.00 $1,514.00
Belvidere $783.00 $1,826.00 $821.00 $1,569.00
Bergenfield $858.00 $2,286.00 $928.00 $2,098.00
Berkeley Heights $773.00 $1,775.00 $814.00 $1,531.00
Berlin $962.00 $2,192.00 $1,039.00 $1,989.00
Bernardsville $783.00 $1,754.00 $821.00 $1,514.00
Beverly $764.00 $1,814.00 $816.00 $1,532.00
Blackwood $962.00 $2,012.00 $1,039.00 $1,747.00
Blairstown $783.00 $1,826.00 $821.00 $1,569.00
Bloomfield $892.00 $2,688.00 $948.00 $2,261.00
Bloomingdale $823.00 $1,817.00 $868.00 $1,547.00
Bloomsbury $783.00 $1,826.00 $821.00 $1,569.00
Bogota $987.00 $2,286.00 $1,067.00 $2,125.00
Boonton $823.00 $1,595.00 $868.00 $1,502.00
Bordentown $764.00 $1,841.00 $816.00 $1,559.00
Bound Brook $773.00 $2,000.00 $814.00 $1,699.00
Bradley Beach $814.00 $1,835.00 $866.00 $1,556.00
Branchville $793.00 $1,826.00 $834.00 $1,569.00
Brick $859.00 $1,813.00 $922.00 $1,599.00
Bridgeport $821.00 $1,806.00 $871.00 $1,609.00
Bridgeton $838.00 $2,232.00 $894.00 $1,875.00
Bridgewater $773.00 $1,775.00 $814.00 $1,531.00
Brielle $780.00 $1,606.00 $827.00 $1,514.00
Brigantine $936.00 $2,185.00 $1,018.00 $2,038.00
Broadway $783.00 $1,826.00 $821.00 $1,569.00
Brookside $783.00 $1,610.00 $821.00 $1,514.00
Browns Mills $801.00 $1,813.00 $848.00 $1,768.00
Budd Lake $793.00 $1,748.00 $834.00 $1,497.00
Buena $900.00 $2,192.00 $962.00 $1,989.00
Burlington $764.00 $1,814.00 $816.00 $1,532.00
Butler $823.00 $1,595.00 $868.00 $1,502.00
Caldwell $823.00 $1,800.00 $868.00 $1,701.00
Califon $783.00 $1,754.00 $821.00 $1,514.00
Camden $1,173.00 $3,252.00 $1,264.00 $2,718.00
Cape May $771.00 $1,781.00 $822.00 $1,551.00
Cape May Court House $838.00 $1,781.00 $894.00 $1,551.00
Carlstadt $896.00 $2,277.00 $962.00 $2,155.00
Carteret $914.00 $2,615.00 $982.00 $2,410.00
Cedar Grove $823.00 $2,017.00 $868.00 $1,803.00
Cedar Knolls $823.00 $1,610.00 $868.00 $1,514.00
Cedarville $838.00 $2,232.00 $894.00 $1,875.00
Chatham $748.00 $1,754.00 $787.00 $1,514.00
Chatsworth $793.00 $1,768.00 $844.00 $1,768.00
Cherry Hill $842.00 $1,846.00 $902.00 $1,753.00
Chester $783.00 $1,754.00 $821.00 $1,514.00
Chesterfield $764.00 $1,733.00 $816.00 $1,514.00
Clark $835.00 $2,000.00 $886.00 $1,699.00
Clarksboro $821.00 $1,846.00 $871.00 $1,747.00
Clayton $900.00 $2,192.00 $962.00 $1,989.00
Clementon $962.00 $2,192.00 $1,039.00 $1,989.00
Cliffside Park $1,131.00 $2,687.00 $1,226.00 $2,533.00
Cliffwood $814.00 $2,085.00 $866.00 $1,760.00
Clifton $1,068.00 $2,606.00 $1,161.00 $2,374.00
Clinton $783.00 $1,754.00 $821.00 $1,514.00
Closter $969.00 $1,972.00 $1,040.00 $1,805.00
Collingswood $772.00 $1,735.00 $827.00 $1,714.00
Colonia $914.00 $2,134.00 $982.00 $1,818.00
Colts Neck $814.00 $1,664.00 $866.00 $1,514.00
Columbia $783.00 $1,826.00 $821.00 $1,569.00
Columbus $764.00 $1,841.00 $816.00 $1,559.00
Cookstown $801.00 $1,768.00 $848.00 $1,768.00
Cranbury $891.00 $1,981.00 $949.00 $1,677.00
Cranford $835.00 $2,067.00 $886.00 $1,734.00
Cream Ridge $801.00 $1,733.00 $848.00 $1,692.00
Cresskill $969.00 $1,972.00 $1,040.00 $1,805.00
Dayton $891.00 $1,777.00 $949.00 $1,579.00
Deal $814.00 $1,835.00 $866.00 $1,556.00
Delmont $838.00 $2,232.00 $894.00 $1,875.00
Demarest $969.00 $1,972.00 $1,040.00 $1,852.00
Denville $823.00 $1,595.00 $868.00 $1,490.00
Dorothy $838.00 $2,232.00 $894.00 $1,945.00
Dover $824.00 $1,817.00 $872.00 $1,547.00
Dumont $858.00 $1,972.00 $928.00 $1,852.00
Dunellen $773.00 $2,000.00 $814.00 $1,800.00
East Brunswick $875.00 $1,981.00 $934.00 $1,677.00
East Hanover $823.00 $1,908.00 $868.00 $1,803.00
East Orange $1,251.00 $3,332.00 $1,346.00 $2,785.00
East Rutherford $896.00 $2,277.00 $962.00 $2,155.00
Eatontown $814.00 $1,664.00 $866.00 $1,456.00
Edgewater $1,027.00 $2,687.00 $1,113.00 $2,533.00
Edison $891.00 $2,059.00 $949.00 $1,739.00
Egg Harbor City $936.00 $2,185.00 $1,018.00 $1,945.00
Egg Harbor Township $936.00 $2,185.00 $1,018.00 $1,945.00
Elizabeth $1,153.00 $3,148.00 $1,244.00 $2,625.00
Elizabethport $1,153.00 $3,148.00 $1,244.00 $2,625.00
Elmer $900.00 $2,012.00 $962.00 $1,747.00
Elmwood Park $1,068.00 $2,606.00 $1,161.00 $2,374.00
Emerson $876.00 $1,972.00 $929.00 $1,732.00
Englewood $987.00 $2,687.00 $1,067.00 $2,244.00
Englewood Cliffs $1,027.00 $2,677.00 $1,113.00 $2,533.00
Englishtown $875.00 $1,981.00 $934.00 $1,677.00
Essex Fells $946.00 $2,223.00 $1,006.00 $2,096.00
Estell Manor $838.00 $2,232.00 $894.00 $1,945.00
Fair Haven $814.00 $1,664.00 $866.00 $1,426.00
Fair Lawn $987.00 $2,443.00 $1,067.00 $2,443.00
Fairfield $823.00 $1,908.00 $868.00 $1,803.00
Fairview $1,140.00 $3,058.00 $1,234.00 $2,558.00
Fanwood $835.00 $2,122.00 $886.00 $1,999.00
Far Hills $773.00 $1,754.00 $814.00 $1,514.00
Farmingdale $875.00 $1,981.00 $934.00 $1,677.00
Flanders $793.00 $1,826.00 $834.00 $1,569.00
Flemington $783.00 $1,754.00 $821.00 $1,514.00
Florence $764.00 $1,814.00 $816.00 $1,532.00
Florham Park $823.00 $1,754.00 $868.00 $1,514.00
Fords $914.00 $2,134.00 $982.00 $1,818.00
Forked River $802.00 $1,827.00 $856.00 $1,546.00
Fort Dix $801.00 $1,768.00 $848.00 $1,768.00
Fort Lee $1,027.00 $2,687.00 $1,113.00 $2,533.00
Fort Monmouth $814.00 $1,664.00 $866.00 $1,426.00
Franklin $861.00 $2,019.00 $910.00 $1,732.00
Franklin Lakes $876.00 $1,836.00 $929.00 $1,553.00
Franklin Park $891.00 $2,059.00 $949.00 $1,800.00
Franklinville $900.00 $2,192.00 $962.00 $1,989.00
Freehold $875.00 $1,981.00 $934.00 $1,677.00
Frenchtown $783.00 $1,754.00 $821.00 $1,514.00
Garfield $1,068.00 $2,606.00 $1,161.00 $2,374.00
Garwood $835.00 $2,067.00 $886.00 $1,734.00
Gibbsboro $962.00 $1,900.00 $1,039.00 $1,805.00
Gibbstown $821.00 $1,806.00 $871.00 $1,609.00
Gillette $748.00 $1,754.00 $787.00 $1,514.00
Gladstone $773.00 $1,754.00 $814.00 $1,514.00
Glassboro $900.00 $2,012.00 $962.00 $1,747.00
Glen Gardner $783.00 $1,754.00 $821.00 $1,514.00
Glen Ridge $892.00 $2,017.00 $948.00 $1,979.00
Glen Rock $876.00 $1,836.00 $929.00 $1,628.00
Glendora $772.00 $2,012.00 $827.00 $1,714.00
Glenwood $861.00 $2,019.00 $910.00 $1,732.00
Gloucester City $823.00 $2,012.00 $882.00 $1,714.00
Great Meadows $793.00 $1,826.00 $834.00 $1,569.00
Green Village $748.00 $1,754.00 $787.00 $1,514.00
Greenwich $838.00 $1,806.00 $894.00 $1,625.00
Hackensack $983.00 $2,606.00 $1,066.00 $2,170.00
Hackettstown $793.00 $1,826.00 $834.00 $1,569.00
Haddon Heights $772.00 $1,735.00 $827.00 $1,647.00
Haddonfield $772.00 $1,735.00 $827.00 $1,647.00
Hainesport $793.00 $1,841.00 $844.00 $1,636.00
Haledon $1,068.00 $2,443.00 $1,161.00 $2,443.00
Hamburg $861.00 $2,019.00 $910.00 $1,732.00
Hammonton $900.00 $2,192.00 $962.00 $1,989.00
Hampton $783.00 $1,754.00 $821.00 $1,514.00
Harrington Park $876.00 $1,972.00 $929.00 $1,732.00
Harrison $1,096.00 $2,688.00 $1,178.00 $2,557.00
Hasbrouck Heights $896.00 $2,277.00 $962.00 $2,155.00
Haskell $823.00 $1,817.00 $868.00 $1,547.00
Haworth $858.00 $1,972.00 $928.00 $1,805.00
Hawthorne $1,068.00 $2,443.00 $1,161.00 $2,443.00
Hazlet $814.00 $1,729.00 $866.00 $1,639.00
Heislerville $838.00 $2,232.00 $894.00 $1,875.00
Helmetta $875.00 $1,981.00 $934.00 $1,677.00
Hewitt $861.00 $2,019.00 $910.00 $1,732.00
High Bridge $783.00 $1,754.00 $821.00 $1,514.00
Highland Lake $861.00 $2,019.00 $910.00 $1,732.00
Highland Park $891.00 $2,059.00 $949.00 $1,800.00
Highlands $814.00 $1,664.00 $866.00 $1,426.00
Hightstown $801.00 $1,733.00 $848.00 $1,618.00
Hillsborough $783.00 $1,754.00 $821.00 $1,514.00
Hillsdale $876.00 $1,836.00 $929.00 $1,732.00
Hillside $1,089.00 $2,657.00 $1,176.00 $2,241.00
Hoboken $951.00 $2,633.00 $1,016.00 $2,486.00
Ho-Ho-Kus $876.00 $1,836.00 $929.00 $1,732.00
Holmdel $814.00 $1,729.00 $866.00 $1,639.00
Hopatcong $793.00 $1,748.00 $834.00 $1,497.00
Hopewell $783.00 $1,754.00 $821.00 $1,514.00
Howell $875.00 $1,981.00 $934.00 $1,692.00
Irvington $1,290.00 $3,338.00 $1,386.00 $2,790.00
Iselin $914.00 $2,134.00 $982.00 $1,818.00
Jackson $875.00 $1,981.00 $934.00 $1,692.00
Jersey City $951.00 $2,633.00 $1,016.00 $2,486.00
Jobstown $801.00 $1,841.00 $848.00 $1,559.00
Juliustown $801.00 $1,841.00 $848.00 $1,559.00
Keansburg $814.00 $1,981.00 $866.00 $1,677.00
Kearny $1,096.00 $2,688.00 $1,178.00 $2,557.00
Keasbey $914.00 $2,134.00 $982.00 $1,818.00
Kendall Park $891.00 $1,777.00 $949.00 $1,579.00
Kenilworth $835.00 $2,017.00 $886.00 $1,713.00
Kenvil $793.00 $1,826.00 $834.00 $1,569.00
Keyport $814.00 $1,981.00 $866.00 $1,677.00
Kingston $801.00 $1,777.00 $848.00 $1,517.00
Lafayette $793.00 $1,826.00 $834.00 $1,569.00
Lake Hiawatha $823.00 $1,784.00 $868.00 $1,529.00
Lake Hopatcong $793.00 $1,748.00 $834.00 $1,497.00
Lakehurst $801.00 $1,813.00 $848.00 $1,692.00
Lakewood $1,008.00 $2,103.00 $1,078.00 $2,103.00
Lambertville $783.00 $1,754.00 $821.00 $1,514.00
Landing $793.00 $1,748.00 $834.00 $1,497.00
Landisville $900.00 $2,192.00 $962.00 $1,835.00
Lanoka Harbor $802.00 $1,827.00 $856.00 $1,546.00
Lavallette $780.00 $1,606.00 $827.00 $1,542.00
Lawnside $772.00 $2,012.00 $827.00 $1,805.00
Lawrence Township $801.00 $1,777.00 $848.00 $1,561.00
Layton $783.00 $1,826.00 $821.00 $1,569.00
Lebanon $783.00 $1,754.00 $821.00 $1,514.00
Ledgewood $793.00 $1,826.00 $834.00 $1,569.00
Leesburg $838.00 $2,232.00 $894.00 $1,875.00
Leonardo $814.00 $1,664.00 $866.00 $1,456.00
Leonia $1,131.00 $2,286.00 $1,226.00 $2,125.00
Lincoln Park $823.00 $1,908.00 $868.00 $1,803.00
Lincroft $814.00 $1,664.00 $866.00 $1,456.00
Linden $1,135.00 $2,615.00 $1,226.00 $2,410.00
Linwood $936.00 $2,185.00 $1,018.00 $1,945.00
Little Falls $1,068.00 $2,235.00 $1,161.00 $2,110.00
Little Ferry $983.00 $2,286.00 $1,066.00 $2,155.00
Little Silver $814.00 $1,664.00 $866.00 $1,426.00
Livingston $917.00 $2,017.00 $971.00 $1,803.00
Lodi $1,068.00 $2,606.00 $1,161.00 $2,170.00
Long Branch $814.00 $1,835.00 $866.00 $1,556.00
Long Valley $783.00 $1,754.00 $821.00 $1,514.00
Longport $936.00 $2,185.00 $1,018.00 $1,945.00
Lumberton $793.00 $1,841.00 $844.00 $1,559.00
Lyndhurst $896.00 $2,152.00 $962.00 $1,979.00
Lyons $773.00 $1,908.00 $814.00 $1,803.00
Madison $748.00 $1,754.00 $787.00 $1,514.00
Magnolia $772.00 $2,012.00 $827.00 $1,805.00
Mahwah $823.00 $1,836.00 $868.00 $1,553.00
Malaga $900.00 $2,192.00 $962.00 $1,989.00
Manahawkin $802.00 $1,827.00 $856.00 $1,546.00
Manasquan $780.00 $1,606.00 $827.00 $1,514.00
Manchester Township $802.00 $1,813.00 $856.00 $1,768.00
Mantoloking $780.00 $1,606.00 $827.00 $1,514.00
Mantua $821.00 $2,012.00 $871.00 $1,747.00
Manville $773.00 $1,775.00 $814.00 $1,531.00
Maple Shade $842.00 $1,846.00 $902.00 $1,753.00
Maplewood $917.00 $2,609.00 $971.00 $2,207.00
Margate City $936.00 $2,185.00 $1,018.00 $1,945.00
Marlboro $875.00 $1,981.00 $934.00 $1,818.00
Marlton $793.00 $1,846.00 $844.00 $1,753.00
Marmora $771.00 $1,781.00 $822.00 $1,625.00
Martinsville $773.00 $1,775.00 $814.00 $1,531.00
Matawan $875.00 $1,981.00 $934.00 $1,677.00
Mays Landing $936.00 $2,185.00 $1,018.00 $1,945.00
Maywood $983.00 $2,329.00 $1,066.00 $1,941.00
Medford $793.00 $1,846.00 $844.00 $1,753.00
Mendham $783.00 $1,754.00 $821.00 $1,514.00
Merchantville $890.00 $2,464.00 $963.00 $2,079.00
Metuchen $891.00 $2,059.00 $949.00 $1,739.00
Mickleton $821.00 $1,846.00 $871.00 $1,747.00
Middlesex $773.00 $2,000.00 $814.00 $1,699.00
Middletown $814.00 $1,664.00 $866.00 $1,456.00
Midland Park $876.00 $1,836.00 $929.00 $1,732.00
Milford $783.00 $1,754.00 $821.00 $1,514.00
Millburn $917.00 $2,046.00 $971.00 $1,927.00
Millington $748.00 $1,754.00 $787.00 $1,514.00
Millstone Township $801.00 $1,981.00 $848.00 $1,677.00
Milltown $891.00 $2,059.00 $949.00 $1,739.00
Millville $838.00 $2,232.00 $894.00 $1,875.00
Milmay $838.00 $2,232.00 $894.00 $1,945.00
Mine Hill $824.00 $1,748.00 $872.00 $1,497.00
Minotola $900.00 $2,192.00 $962.00 $1,835.00
Monmouth Beach $814.00 $1,664.00 $866.00 $1,456.00
Monmouth Junction $891.00 $1,777.00 $949.00 $1,579.00
Monroe Township $875.00 $1,981.00 $934.00 $1,677.00
Monroeville $900.00 $2,012.00 $962.00 $1,692.00
Montague $793.00 $2,019.00 $834.00 $1,732.00
Montclair $892.00 $2,017.00 $948.00 $1,979.00
Montvale $823.00 $1,836.00 $868.00 $1,553.00
Montville $823.00 $1,908.00 $868.00 $1,803.00
Moonachie $896.00 $2,286.00 $962.00 $2,155.00
Moorestown $793.00 $1,841.00 $844.00 $1,636.00
Morganville $875.00 $1,981.00 $934.00 $1,818.00
Morris Plains $823.00 $1,610.00 $868.00 $1,514.00
Morristown $824.00 $1,610.00 $872.00 $1,514.00
Mount Arlington $793.00 $1,748.00 $834.00 $1,497.00
Mount Ephraim $823.00 $2,012.00 $882.00 $1,714.00
Mount Holly $793.00 $1,841.00 $844.00 $1,559.00
Mount Laurel $793.00 $1,846.00 $844.00 $1,753.00
Mount Royal $821.00 $1,846.00 $871.00 $1,747.00
Mount Tabor $823.00 $1,595.00 $868.00 $1,490.00
Mountain Lakes $823.00 $1,595.00 $868.00 $1,502.00
Mountainside $917.00 $1,868.00 $971.00 $1,720.00
Mullica Hill $900.00 $1,806.00 $962.00 $1,609.00
National Park $821.00 $2,012.00 $871.00 $1,692.00
Neptune $875.00 $1,835.00 $934.00 $1,556.00
Neshanic Station $783.00 $1,754.00 $821.00 $1,514.00
Netcong $793.00 $1,748.00 $834.00 $1,497.00
New Brunswick $891.00 $2,289.00 $949.00 $2,168.00
New Egypt $801.00 $1,733.00 $848.00 $1,692.00
New Gretna $802.00 $2,059.00 $856.00 $1,945.00
New Milford $987.00 $1,972.00 $1,067.00 $1,852.00
New Providence $748.00 $1,775.00 $787.00 $1,606.00
New Vernon $748.00 $1,754.00 $787.00 $1,514.00
Newark $1,290.00 $3,338.00 $1,386.00 $2,790.00
Newfield $900.00 $2,192.00 $962.00 $1,989.00
Newfoundland $861.00 $1,817.00 $910.00 $1,547.00
Newport $838.00 $2,232.00 $894.00 $1,875.00
Newton $793.00 $1,826.00 $834.00 $1,569.00
Newtonville $900.00 $2,185.00 $962.00 $1,989.00
North Arlington $896.00 $2,383.00 $962.00 $2,383.00
North Bergen $1,140.00 $3,058.00 $1,234.00 $2,558.00
North Brunswick $891.00 $2,289.00 $949.00 $2,168.00
Northfield $936.00 $2,185.00 $1,018.00 $1,945.00
Northvale $876.00 $1,972.00 $929.00 $1,732.00
Norwood $969.00 $1,972.00 $1,040.00 $1,732.00
Nutley $892.00 $2,270.00 $948.00 $2,143.00
Oak Ridge $861.00 $1,826.00 $910.00 $1,569.00
Oakhurst $814.00 $1,664.00 $866.00 $1,514.00
Oakland $823.00 $1,817.00 $868.00 $1,547.00
Oaklyn $823.00 $2,012.00 $882.00 $1,692.00
Ocean City $771.00 $1,781.00 $822.00 $1,625.00
Ocean Gate $802.00 $1,813.00 $856.00 $1,768.00
Ocean Grove $814.00 $1,835.00 $866.00 $1,556.00
Ocean View $771.00 $1,781.00 $822.00 $1,551.00
Oceanport $814.00 $1,664.00 $866.00 $1,426.00
Ogdensburg $861.00 $2,019.00 $910.00 $1,732.00
Old Bridge $914.00 $2,085.00 $982.00 $1,818.00
Oldwick $783.00 $1,754.00 $821.00 $1,514.00
Oradell $858.00 $1,972.00 $928.00 $1,805.00
Orange $1,251.00 $3,332.00 $1,346.00 $2,785.00
Oxford $783.00 $1,826.00 $821.00 $1,569.00
Palisades Park $1,131.00 $2,687.00 $1,226.00 $2,533.00
Palmyra $890.00 $1,923.00 $963.00 $1,770.00
Paramus $987.00 $1,972.00 $1,067.00 $1,805.00
Park Ridge $823.00 $1,836.00 $868.00 $1,553.00
Parlin $914.00 $2,085.00 $982.00 $1,818.00
Parsippany $823.00 $1,784.00 $868.00 $1,529.00
Passaic $1,188.00 $3,266.00 $1,285.00 $2,728.00
Paterson $1,179.00 $3,284.00 $1,273.00 $2,743.00
Paulsboro $821.00 $2,012.00 $871.00 $1,692.00
Peapack $773.00 $1,908.00 $814.00 $1,803.00
Pedricktown $821.00 $1,806.00 $871.00 $1,609.00
Pemberton $801.00 $1,768.00 $848.00 $1,768.00
Pennington $783.00 $1,754.00 $821.00 $1,514.00
Penns Grove $821.00 $1,806.00 $871.00 $1,609.00
Pennsauken $890.00 $2,464.00 $963.00 $2,079.00
Pennsville $821.00 $1,806.00 $871.00 $1,609.00
Pequannock $823.00 $1,784.00 $868.00 $1,529.00
Perth Amboy $1,003.00 $3,014.00 $1,091.00 $2,514.00
Phillipsburg $783.00 $1,826.00 $821.00 $1,569.00
Pine Beach $802.00 $1,813.00 $856.00 $1,768.00
Pine Brook $823.00 $1,908.00 $868.00 $1,803.00
Piscataway $891.00 $2,059.00 $949.00 $1,800.00
Pitman $900.00 $1,806.00 $962.00 $1,609.00
Pittstown $783.00 $1,754.00 $821.00 $1,514.00
Plainfield $1,004.00 $2,939.00 $1,082.00 $2,447.00
Plainsboro $891.00 $1,777.00 $949.00 $1,559.00
Pleasantville $936.00 $2,185.00 $1,018.00 $2,038.00
Point Pleasant Beach $780.00 $1,606.00 $827.00 $1,514.00
Pompton Lakes $823.00 $1,817.00 $868.00 $1,547.00
Pompton Plains $823.00 $1,784.00 $868.00 $1,529.00
Port Elizabeth $838.00 $2,232.00 $894.00 $1,875.00
Port Monmouth $814.00 $1,664.00 $866.00 $1,456.00
Port Murray $783.00 $1,826.00 $821.00 $1,569.00
Port Norris $838.00 $2,232.00 $894.00 $1,875.00
Port Reading $914.00 $2,134.00 $982.00 $1,818.00
Port Republic $802.00 $1,827.00 $856.00 $1,546.00
Pottersville $783.00 $1,754.00 $821.00 $1,514.00
Princeton $801.00 $1,777.00 $848.00 $1,517.00
Princeton Junction $801.00 $1,733.00 $848.00 $1,618.00
Rahway $1,135.00 $2,615.00 $1,226.00 $2,410.00
Ramsey $823.00 $1,836.00 $868.00 $1,553.00
Randolph $824.00 $1,595.00 $872.00 $1,490.00
Raritan $783.00 $1,775.00 $821.00 $1,531.00
Red Bank $814.00 $1,664.00 $866.00 $1,456.00
Richland $900.00 $2,185.00 $962.00 $1,945.00
Ridgefield $1,131.00 $2,687.00 $1,226.00 $2,533.00
Ridgefield Park $983.00 $2,286.00 $1,066.00 $2,155.00
Ridgewood $876.00 $1,836.00 $929.00 $1,732.00
Ringoes $783.00 $1,754.00 $821.00 $1,514.00
Ringwood $823.00 $1,817.00 $868.00 $1,547.00
Rio Grande $771.00 $1,781.00 $822.00 $1,551.00
River Edge $987.00 $1,972.00 $1,067.00 $1,805.00
Riverdale $823.00 $1,595.00 $868.00 $1,502.00
Riverside $764.00 $1,814.00 $816.00 $1,636.00
Riverton $764.00 $1,814.00 $816.00 $1,636.00
Rochelle Park $983.00 $2,329.00 $1,066.00 $1,941.00
Rockaway $824.00 $1,817.00 $872.00 $1,547.00
Rocky Hill $801.00 $1,777.00 $848.00 $1,517.00
Roebling $764.00 $1,814.00 $816.00 $1,532.00
Roseland $823.00 $2,223.00 $868.00 $2,096.00
Roselle $1,135.00 $2,615.00 $1,226.00 $2,410.00
Roselle Park $835.00 $2,657.00 $886.00 $2,230.00
Rumson $814.00 $1,664.00 $866.00 $1,426.00
Runnemede $823.00 $2,012.00 $882.00 $1,714.00
Rutherford $896.00 $2,152.00 $962.00 $2,125.00
Saddle Brook $983.00 $2,329.00 $1,066.00 $2,125.00
Saddle River $823.00 $1,836.00 $868.00 $1,553.00
Salem $821.00 $1,806.00 $871.00 $1,662.00
Sayreville $914.00 $2,085.00 $982.00 $1,760.00
Scotch Plains $835.00 $2,122.00 $886.00 $1,999.00
Sea Girt $780.00 $1,606.00 $827.00 $1,514.00
Sea Isle City $771.00 $1,781.00 $822.00 $1,551.00
Seaside Heights $802.00 $1,813.00 $856.00 $1,542.00
Seaside Park $802.00 $1,813.00 $856.00 $1,542.00
Secaucus $896.00 $2,152.00 $962.00 $2,125.00
Sewaren $914.00 $2,134.00 $982.00 $1,818.00
Sewell $900.00 $2,012.00 $962.00 $1,747.00
Short Hills $917.00 $2,046.00 $971.00 $1,927.00
Shrewsbury $814.00 $1,664.00 $866.00 $1,426.00
Sicklerville $962.00 $2,192.00 $1,039.00 $1,989.00
Skillman $783.00 $1,754.00 $821.00 $1,514.00
Somerdale $772.00 $1,900.00 $827.00 $1,805.00
Somers Point $936.00 $2,185.00 $1,018.00 $1,945.00
Somerset $891.00 $2,059.00 $949.00 $1,800.00
Somerville $773.00 $1,775.00 $814.00 $1,531.00
South Amboy $814.00 $2,085.00 $866.00 $1,818.00
South Bound Brook $773.00 $2,000.00 $814.00 $1,699.00
South Hackensack $983.00 $2,286.00 $1,066.00 $2,155.00
South Orange $946.00 $2,609.00 $1,006.00 $2,207.00
South Plainfield $891.00 $2,059.00 $949.00 $1,800.00
South River $875.00 $1,981.00 $934.00 $1,677.00
South Seaville $771.00 $1,781.00 $822.00 $1,551.00
Sparta $861.00 $1,826.00 $910.00 $1,569.00
Spotswood $875.00 $1,981.00 $934.00 $1,677.00
Spring Lake $780.00 $1,606.00 $827.00 $1,514.00
Springfield $917.00 $2,017.00 $971.00 $1,720.00
Stanhope $793.00 $1,748.00 $834.00 $1,497.00
Stewartsville $783.00 $1,826.00 $821.00 $1,569.00
Stirling $748.00 $1,754.00 $787.00 $1,514.00
Stockholm $861.00 $1,826.00 $910.00 $1,569.00
Stockton $783.00 $1,754.00 $821.00 $1,514.00
Stone Harbor $771.00 $1,781.00 $822.00 $1,551.00
Stratford $772.00 $1,900.00 $827.00 $1,805.00
Strathmere $771.00 $1,781.00 $822.00 $1,625.00
Succasunna $793.00 $1,826.00 $834.00 $1,569.00
Summit $748.00 $1,775.00 $787.00 $1,606.00
Sussex $793.00 $2,019.00 $834.00 $1,732.00
Swedesboro $821.00 $1,806.00 $871.00 $1,609.00
Teaneck $987.00 $2,286.00 $1,067.00 $1,921.00
Tenafly $969.00 $1,972.00 $1,040.00 $1,805.00
Teterboro $896.00 $2,152.00 $962.00 $2,125.00
Thorofare $821.00 $2,012.00 $871.00 $1,692.00
Three Bridges $783.00 $1,754.00 $821.00 $1,514.00
Titusville $783.00 $1,754.00 $821.00 $1,514.00
Toms River $859.00 $1,813.00 $922.00 $1,768.00
Totowa $1,068.00 $2,235.00 $1,161.00 $2,110.00
Towaco $823.00 $1,908.00 $868.00 $1,803.00
Township Of Washington $876.00 $1,836.00 $929.00 $1,732.00
Trenton $783.00 $2,645.00 $821.00 $2,431.00
Tuckerton $802.00 $1,827.00 $856.00 $1,546.00
Union $1,089.00 $2,657.00 $1,176.00 $2,241.00
Union City $1,090.00 $2,903.00 $1,182.00 $2,421.00
Vauxhall $1,089.00 $2,657.00 $1,176.00 $2,241.00
Ventnor City $936.00 $2,185.00 $1,018.00 $1,945.00
Vernon $861.00 $2,019.00 $910.00 $1,732.00
Verona $892.00 $2,017.00 $948.00 $1,713.00
Vienna $793.00 $1,826.00 $834.00 $1,569.00
Villas $838.00 $1,781.00 $894.00 $1,551.00
Vincentown $793.00 $1,768.00 $844.00 $1,768.00
Vineland $838.00 $2,232.00 $894.00 $1,875.00
Voorhees $962.00 $1,900.00 $1,039.00 $1,805.00
Waldwick $876.00 $1,836.00 $929.00 $1,553.00
Wallington $896.00 $2,606.00 $962.00 $2,374.00
Wallpack Center $783.00 $1,826.00 $821.00 $1,569.00
Wanaque $823.00 $1,817.00 $868.00 $1,547.00
Waretown $802.00 $1,827.00 $856.00 $1,546.00
Warren $773.00 $1,775.00 $814.00 $1,664.00
Washington $783.00 $1,826.00 $821.00 $1,569.00
Watchung $773.00 $2,477.00 $814.00 $2,348.00
Waterford Works $962.00 $2,192.00 $1,039.00 $1,989.00
Wayne $1,068.00 $2,235.00 $1,109.00 $2,054.00
Weehawken $951.00 $2,633.00 $1,016.00 $2,486.00
Wenonah $821.00 $2,012.00 $871.00 $1,747.00
West Berlin $962.00 $2,192.00 $1,039.00 $1,835.00
West Creek $802.00 $1,827.00 $856.00 $1,546.00
West Long Branch $814.00 $1,664.00 $866.00 $1,456.00
West Milford $861.00 $1,817.00 $910.00 $1,547.00
West New York $1,090.00 $2,903.00 $1,182.00 $2,421.00
West Orange $946.00 $2,609.00 $1,006.00 $2,207.00
Westfield $835.00 $2,067.00 $886.00 $1,734.00
Westville $823.00 $2,012.00 $882.00 $1,692.00
Westwood $876.00 $1,836.00 $929.00 $1,732.00
Wharton $793.00 $1,748.00 $834.00 $1,497.00
Whippany $823.00 $1,610.00 $868.00 $1,514.00
Whitehouse Station $773.00 $1,754.00 $814.00 $1,514.00
Wildwood $771.00 $1,781.00 $822.00 $1,551.00
Williamstown $900.00 $2,192.00 $962.00 $1,989.00
Willingboro $887.00 $2,110.00 $959.00 $2,110.00
Wood Ridge $896.00 $2,277.00 $962.00 $2,155.00
Woodbine $838.00 $2,059.00 $894.00 $1,945.00
Woodbridge $914.00 $2,134.00 $982.00 $1,818.00
Woodbury $823.00 $2,012.00 $882.00 $1,692.00
Woodbury Heights $821.00 $2,012.00 $871.00 $1,692.00
Woodcliff Lake $876.00 $1,836.00 $929.00 $1,553.00
Woodstown $821.00 $2,012.00 $871.00 $1,692.00
Wrightstown $801.00 $1,733.00 $848.00 $1,514.00
Wyckoff $876.00 $1,836.00 $929.00 $1,628.00

Finding Auto Insurance Resources in New Jersey

To find an auto insurer that is licensed to cover you in New Jersey, you can use the Department of Banking & Insurance (DBI) auto insurance finder. This auto insurance finder allows you to search for a provider or agent according to your vehicle type. You can also narrow your search to the insurance you require.

The DBI also allows you to use an interactive auto insurance planning tool. This tool helps you determine which type of insurance is right for you and how much coverage you need.

Useful Tips for People Requiring New Jersey Auto Insurance

If you want to reduce the cost of your auto insurance, you can take a defensive driving course. Insurance companies often offer a discount to drivers who complete the course as they are deemed less of a risk.

If you just want to meet the basic insurance requirements in New Jersey and save money, take out a basic policy. It is worth keeping in mind this policy limits your coverage significantly. If you want enhanced protection, opt for the standard policy.

If you're enrolled in certain Medicaid programs, you may qualify for a low-cost auto insurance program. This type of insurance only covers medical costs, which New Jersey requires, but can save Medicaid users a significant amount of money.

Moving to New Jersey: Important Information

If you move to New Jersey from another state, transfer your title and registration. To do this, visit your local MVC agency and complete the following steps:

  • Fill out the sales tax stamp.
  • Complete an application for ownership.
  • Pay a title fee.

If you are moving to New Jersey from another country, you'll need to follow special regulations to drive in the state. In order to drive your foreign vehicle in New Jersey, you must put your request in writing to the MVC. You must also register for a New Jersey title following the normal rules.

Understanding Driving Laws in New Jersey

If you are under the age of 21 or you are new to driving, you must complete a period of supervised driving. In order to drive alone, you must complete one of the following programs:

  • The Early Bird Road (for drivers 16 and older).
  • The Young Adult Road (for drivers 17 and older).
  • The Adult Road (for drivers 21 and older).

New Jersey observes strict speed laws. To prevent acquiring points on your license and raising your insurance premium, you must follow them. These laws are:

  • 25 mph in school zones and business and residential areas.
  • 35 mph in low-density areas.
  • 55 to 65 mph on certain highways, interstates and turnpikes.

In New Jersey, you can't use handheld electronic devices while you're in control of a car. Those caught talking or texting with a cellphone while driving (unless using a hands-free device) face a fine of $100 as a first-time offender.

Frequently Asked Questions About New Jersey Auto Insurance

1. How is your right to sue affected by your New Jersey auto insurance policy?

Both the unlimited right to sue and limited right to sue policies cover emotional pain and suffering. They don’t cover economic losses. You can sue for medical expenses under both plans.

 2. What deductible should you choose?

The deductible you choose when taking out your auto insurance policy should depend on how much you can afford to pay now and in the long run. If you want a lower monthly premium, choose a higher deductible. However, ensure you are able to afford to pay the deductible in the event of an accident.

3. What is personal injury protection?

When driving in New Jersey, or any state, you cannot rely on other drivers to have adequate insurance. Personal Injury Protection (PIP) covers expenses from accidents if the other driver is not insured. Taking out this insurance ensures you do not face hefty medical bills without coverage.

How to Get Great Rates on New Jersey Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

New Jersey Auto Insurance Resources

Need more than just New Jersey car insurance quotes? To learn more beyond auto insurance quotes in New Jersey, check out the resources at some of these sites.

State of New Jersey Automobile Insurance

Auto insurance information for New Jersey drivers

http://www.state.nj.us/dobi/division_consumers/insurance/auto.htm

State of New Jersey Motor Vehicle Commission

http://www.state.nj.us/mvc/

Everything You Wanted to Know About Auto Insurance.

But were afraid to ask!

http://www.state.nj.us/dobi/division_consumers/pdf/everythingauto2006.pdf

New Jersey Cell Phone Driving Laws

Can you talk and drive in New Jersey?

http://www.ghsa.org/html/stateinfo/laws/cellphone_laws.html

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

Average cost of car insurance by state

Find out how a county’s insurance rate stacks up against the state average, as well as how it fares against other counties in the state.

Use our interactive map to find out:

  • How your state compares to the national average
  • How your county compares to the state average
  • How your ZIP compares to the county

Use the "Select state" or "Select county" dropdown menu to choose your state, then your county.

Reset Map

% Difference from national average rate

    We are comparing rates now, this may take a few minutes to complete.

    Progress

    Get Free Auto Insurance Quotes

    Is it the right time to shop for Auto Insurance?

    Car insurance rates constantly fluctuate and vary each month. Find out when you should shop for new quotes.