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Best Affordable Auto Insurance in New Jersey
Get Free Quotes and Find the Best Coverage

Auto insurance is mandatory in New Jersey, but the type and cost of that coverage can vary significantly. One constant is that if you don't shop around or at least get numerous free quotes, you will not find a cheap auto insurance policy. The New Jersey Department of Insurance explains clearly why it is so important to have at least the basic auto insurance policy, "if you do not have any liability coverage, you are responsible for paying for the pain, suffering and other personal hardships and some economic damages, such as lost wages, that you cause. The insurer will not provide or pay for a lawyer to represent you if you are sued. Your assets will be at risk, including the risk of having money deducted from your wages if a judgment is entered against you. And, if you lack coverage and someone hits you, you cannot sue." The basic New Jersey auto coverage requires bodily injury liability insurance in the amount of $15,000 for one person injured and $30,000 for two or more people injured. It also requires you to have $5,000 in property damage coverage; once you meet these minimums your policy meets the basic requirements for auto insurance in New Jersey. Finding the best and most affordable auto insurance in New Jersey can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in New Jersey. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Garden State.

Understanding New Jersey's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in New Jersey one must understand what coverage they need. New Jersey is a no-fault state and requires Personal Injury Protection (PIP) to be a part of your policy. A no-fault state allows the person in an accident to receive their money regardless of proof that the accident was somebody's fault. However, living in a no-fault state prevents the injured party from suing for further damages, and if the insurance money is not enough to cover medical expenses, the injured party must come up with the rest of the funds for treatment. In addition New Jersey policies require protection from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In New Jersey the minimums are 25/50/10. The numbers are in thousands of dollars.

New Jersey Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/10
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $730
  • Average Collision Cost: $354
  • Average Comprehensive Cost: $143
  • Average Cost per Year in New Jersey: $1,104
  • US Average Cost: $795
  • Expense Rank: 2/51

Best New Jersey Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/A 53%
37%
55%
N/A 48%
N/R
39%
63%
N/A 42%
N/A 55%
34%
33%
N/R
35%
73%
N/A N/R
42%
N/R
N/A N/R
33%
N/R
34%
33%
N/A 42%
N/R
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%