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Lowest Car Insurance Prices In New Jersey – Instantly Compare Rates

Get the cheapest car insurance rates in New Jersey and save up to 50% off your premiums. By shopping the right way, you can view the best prices online, and easily compare multiple companies that will offer the best deals. It's not magic and there's no secret to how we find  the cheapest offers. Quite simply, we work harder and smarter, and have been helping customers for more than 30 years!
 
Available NJ Companies
 
There are many companies in NJ that offer affordable prices. But do they offer low prices in your area? For example, if  "Company A" has great rates in Trenton, it doesn't mean that  they will be competitive in Elizabeth, Toms River, or where you live. What matters is the premium you pay in your area, and not another part of the state. Of course, if you move, a different set of carriers may now be the best option. High-risk rates can also greatly vary from one county to another.
 
Although Geico, Plymouth Rock, Liberty Mutual, Esurance and Progressive often have the cheapest auto insurance rates in New Jersey, it's important that we consider as many as 20-30 different companies, including Farmers, NJ Skylands, Encompass and Fitchburg Mutual. Otherwise, you could be overpaying for your coverage. You can also get the lowest NY car insurance rates from our website since many Jersey residents may work or move to New York. NOTE: If you actually reside in New York, you must obtain a NY-approved policy.
 
Our research and hard work allows consumers to instantly access the best offers by simply providing your zip code. Listed below are many of the major companies that offer auto insurance in the state of New Jersey. Although this list covers most of the largest, it is not designed to be an all-inclusive list. There are several "specialty" carriers that offer specific niche products, such as classic and antique vehicle coverage.

 

Allstate

Amica

American Commerce

21st Century

Chubb

Encompass

Esurance

Farmers

Fireman's Fund

Fitchburg Mutual

Founders

Geico

Hanover

Harleysville

Hartford

Kemper Direct

Liberty Mutual

Mercury Indemnity

New Jersey Skylands

Plymouth Rock

Progressive

State Farm

Teachers Of NJ

Tower Group

Travelers

USAA

 

Note: The Following Companies Offer Motorcycle Coverage

 

Aegis Security

Allstate Property And Casualty

American Family Home

Drive New Jersey (Progressive)

Foremost

Geico Indemnity

Liberty Mutual Mid-Atlantic

Pacific Specialty

Rider

State Farm Guaranty

 

Affordable NJ Car Rates

Cheap NJ Car Insurance Is Available


 

Standard Vs. Basic Policy
 
New Jersey auto insurance policies are divided into two level of benefits -- Standard and Basic. Regardless if you are renewing or buying a policy for the first time, you must make a selection. Coverage is different, and there can be significant variations in cost.
 
Standard
 
The Standard option requires bodily injury of $15,000 per person and $30,000 per occurrence. You can raise those limits (and probably should) to $250,000/$500,000. Property damage is acceptable at $5,000 with a maximum of $100,000. Certainly, $5,000 is insufficient and should be increased to avoid substantial risk to your assets. An accident with another vehicle will likely far exceed $5,000. An accident with multiple vehicles can easily result in $25,000-$50,000 of damage.
 

Personal Injury Protection (PIP)
 
NJ PIP is coverage for injuries to you or other persons covered under the policy. $15,000 is the lowest amount you are able to purchase. Uninsured and underinsured motorists protection is available equal or less than your basic liability limits. Collision and comprehensive benefits cover physical damage to your vehicle. It is an optional benefit, although if you are financing or leasing, it will be required. $500 deductibles are the most popular and most cost-effective.
 
Perhaps the most important feature about the "Standard" policy is choosing an "unlimited" or "limited" right to sue. The unlimited selection allows you to sue for damages regardless of the type of injury. The limited choice only allows you to sue if the injury is considered "permanent." Some examples include: displaced fracture, loss of fetus, major scarring or disfigurement, body part loss, and death. However, your premiums will likely be 20%-35% lower and you can still sue for economic loss.
 
Basic
 
Bodily injury liability is not included. You can purchase up to $10,000, which would still leave you woefully underinsured. Property damage of $5,000 is included but will not replace any new vehicles. It may be enough to pay for damages caused to vehicles, unless they are a newer vehicle with heavy damage. We recommend levels of at least $25,000 for bodily injury, which provides more protection in the event of a lawsuit. It also gives you a better bargaining position if an out-of-court settlement is offered.
 

Lower NJ auto insurance rates

"Standard" Option Offers Unlimited And Limited Lawsuit Options


 
Personal Injury Protection is $15,000 with with an option to increase to $250,000. uninsured and underinsured protection is not offered. Collision and comprehensive is available from selected (but not all) companies.
 
Of course, the "basic" option will save you money...as long as you don't need to use the coverage you're missing. Your choice of lawsuit options is your own. There is a disclaimer that states that the company, representatives and brokers are not responsible for your decisions. We can provide unbiased and practical advice, but ultimately, the decision is yours.
 
Quick PIP Tip
 
"Designate" your health insurance carrier as the primary provider in advance and you may save money. By paying medical expenses before PIP, your car insurance rate could reduce. However, it's important to consider how high your deductible and coinsurance is, especially if you have a Marketplace plan. If you are eligible for Medicare or Medicaid, your out-of-pocket expenses must be considered.
 

What If I Have Too Many Tickets And Nobody Will Cover Me?
 
Help is available. The NJPAIP (NJ Car Insurance Plan For Drivers With Points And Or Accidents) is a special assigned risk program for drivers that are unable to get coverage in the standard or preferred marketplace. Yes...A little like the "Affordable Care Act" for your healthcare. If you have been denied or declined coverage,  the reason may not necessarily be because of  a DUI or suspended license. Your credit score, zip code or a variety of other factors could be the reason.
 
Here's how it works: You become part of the "risk pool" and an insurer is assigned to write your policy. They must continue to cover you for 36 months, unless, at some point during that time, you are no longer eligible for the program. When your 36 months has expired, your present company can choose to renew or terminate your policy. However, it is likely you will be able to compare additional offers that might be quite attractive. Our website will provide you with specific rate quotes.
 

Request A Copy Of Your Driving Record
 

To help you determine how many points are on your license, you can request an abstract (here) that will show you all activity within the last five years. An accident that is your fault counts as five points against your license. A DUI or driving without a license is nine points. Speeding, depending upon how fast you were going, is two through five points, while most minor infractions are also two points. Once you reach a total of 12 points (usually within three years), your license is suspended.
 

The abstract is available online or you can send a written request to the NJ Motor Vehicle Commission at 225 East State Street PO Box 1942 Trenton, NJ. 08666. A two-page form must be completed with your request. The cost is $15 and it takes about seven days to process.
 

NJ Complaint Index
 
So what is the "Complaint Index?" It's actually a calculation that provides consumers unbiased information regarding the number of complaints per covered vehicle for each insurer. Of course, the lower the ratio, the smaller the chance that you will file a complaint against your carrier.
 

Based on the 2014-2015 NJ Consumer Information Report, we have published below the companies with the best (smallest) ratios. Naturally, many other factors (including prices!) should always be considered when comparing your best options.
 

0.000 -- Encompass Group
0.005 -- NJM Group
0.011 -- Plymouth Rock
O.011 -- Travelers
0.017 -- Farmers
0.022 -- State Farm
0.028 -- Allstate
0.029 -- Liberty Mutual
0.029 -- USAA
0.033 -- Esurance
0.337 -- Progressive
0.384 -- Geico
0.429 -- 21st Century
0.440 -- Metropolitan
0.478 -- Amica

 

NJ Texting Laws

You Know Not To Text While Driving!

 

Talking Or Texting While Driving Fines
 

Talking or texting on a hand-held communications device (including cell phone or IPhone) is illegal. And, in 2014, the fines increased. The first-time offense will cost $200. The second citation will cost $400 and if you are caught three times, the charge is $600-$800, three points added to your MVR report, and a possible three-month suspension of your driver's license.
 

Hands-free electronic devices are allowed, although not necessarily encouraged. However, if it is an emergency situation, a hand-held phone is allowed to be used as long as the other hand is on the steering wheel. Of course, if the vehicle is stationary and legally parked, any device can be used. Any set-up or preparation of phones or GPS devices should always be performed before you start driving.
 

NOTE: Somewhat related is the NJ seat belt law. Although more than 9 out of 10 drivers regularly wear seat belts, enforcement is still utilized and both front and back seat passengers must wear them. Front-seat offenses are considered primary while back seat offenses are considered secondary. The "Click It Or Ticket" campaign may have helped increase the number of persons who use their seat belts. However, only about 27% of adults in the back seat are using their seat belts.
 

UPDATES
 

June 2014 -- They're back! Nationwide Mutual, the large Ohio-based company, will begin offering auto policies in August. Quotes will be available through our website and other brokers located throughout the state. Nationwide last offered coverage in NJ in 1981. Since that time, only one company out of the 10 largest carriers in the US do not offer policies in the state.
 

Nationwide currently already sells various financial products, including auto policies through Harleysville, a smaller insurer. It is expected that additional distribution outlets will be created over the next few years. There are now 77 companies in the state that write business.
 

July 2014 -- Of course you know not to text while you drive. As of July 1, it's now more expensive since fines have now increased. The first time you're caught, the fine will be $200. The second violation will result in a $400 fine while the third will cost $600 and a possible three-month license suspension.
 

Hands-free devices are allowed if it does not impact driving. If it is an emergency situation, electronic devices can be used if one hand remains on the steering wheel.
 

January 2015 -- Regulation of ride sharing services is getting closer as the Assembly Transportation Committee submitted a bill that may limit companies such as Uber and Lyft. If passed, the legislation would force ride sharing companies to immediately apply for permits and show proof that every driver has at least $250,000 of liability protection (increasing to $1.5 million when fare is accepted).
 

There is also growing concern regarding the background checks that the companies perform. In California, for instance, Uber is being sued for allegedly misleading customers about their background checking system. However, one controversial issue is that ride sharing companies would be forced to provide substantially higher insurance limits than cab companies.
 

July 2015 -- Jersey City and Newark are two of the worst cities for driving...If you believe the recent W-Hub report. Many different factors were considered, including traffic jams, cost of gas and operating your vehicle, conditions of roads (potholes, detours, etc...), likelihood of being involved in an accident or fatality, and road closures. Lack of ample parking spaces also was considered.
 

Some of the most common complaints from visitors allege that Jersey City and Newark drivers are obnoxious, overly-aggressive, don't use turn signals or pay attention to traffic lights, don't yield to pedestrians, always talking on a cellphone, and eating! Don't worry. Based on our experience, we believe those complaints are quite exaggerated.

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