Best Car Insurance in New Jersey (2025)
State Farm, USAA, and The General are three of the top insurers in the Garden State.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byKatie Powers
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Shopping for car insurance can be difficult because every driver has their own unique budget and priorities. To make your search for the ideal coverage a bit easier, Insurify analyzed 50 car insurance companies to identify the best options in New Jersey.
Here’s what you need to know about the best car insurance companies in New Jersey.
Best car insurance companies in New Jersey
You should always compare quotes and coverage options from multiple car insurance companies before buying or renewing an auto policy. Here’s an overview of the offerings from five leading car insurers in New Jersey.
Best insurer for young drivers: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $360/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $410/mo |
4.1
Best choiceBased on 12,985 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,633)
James
Verified Review
Rising Prices
Reviewed in Florida on December 2025
They are fairly good at communicating, but raising prices twice this year—15% last February and 25% this December—is ridiculous. The only explanation is that it's across the board.
Nancy
Verified Review
Too High
Reviewed in Tennessee on December 2025
Too high. I have car and home insurance with State Farm. I'm 77 years old and pay a mortgage. No accidents, only drive once or twice a week.
Andrew
Verified Review
Insurance Should Cost Less
Reviewed in New York on December 2025
Customer service is excellent. Insurance premiums are better than average, but not as low as they should be.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Teenagers younger than 18 make up nearly 22% of New Jersey’s population, according to data from the U.S. Census Bureau.[1] State Farm offers a number of student-centric discounts, such as good student and student away at school discounts, making it a great option for teens and young drivers.
Pros
Discounts for teens and young drivers
Highly rated mobile app
Rideshare coverage available
Cons
Must work with a local State Farm agent to buy a policy
Accident forgiveness not available
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 2,512 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,348)
Sjon
Verified Review
USAA lives up to its reputation.
Reviewed in Texas on December 2025
Good. I caused my first accident recently. There were no problems with the insurance and they took care of it. I didn't have to do anything.
James
Verified Review
USAA has been my insurance company for 50 years. I have been satisfied in the past, but in recent years they have fallen behind other companies in terms of rates for older drivers like me. I am 81 years old, fully retired, do not commute, and do not drive any distances beyond a local grocery store and my gym twice a week. Unfortunately, USAA has not offered competitive rates for people like me: a retired octogenarian who rarely drives my 13-year-old car.
Reviewed in Georgia on December 2025
USAA has been my insurance company for 50 years. I have been satisfied in the past, but in recent years they have fallen behind other companies in terms of rates for older drivers like me. I am 81 years old, fully retired, do not commute, and do not drive any distances beyond a local grocery store and my gym twice a week. Unfortunately, USAA has not offered competitive rates for people like me: a retired octogenarian who rarely drives my 13-year-old car.
Charles
Verified Review
Satisfactory but expensive
Reviewed in Florida on December 2025
It's hard to get through online and on the phone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers affordable car insurance rates specifically for active-duty military members, veterans, and qualifying family members in New Jersey. The fifth-largest U.S. auto insurer also advertises a number of discounts and a SafePilot telematics program that can make coverage even more affordable. The more than 285,000 veterans who live in New Jersey can likely benefit from USAA car insurance.[1]
Pros
High customer satisfaction ratings
SafePilot program can save drivers up to 30%
Accident forgiveness available
Cons
Only available to members of the military community
Gap insurance not available
Discount opportunities vary by state
Best insurer for high-risk drivers: The General
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $180/mo |
3.4
A solid optionBased on 1,042 verified guest reviews and ratings
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (507)
Kearstin
Verified Review
High Rates and Limited Coverage
Reviewed in Ohio on December 2025
Horrible rates for barely any coverage. I switched car insurance and went from paying $346 with The General to $171 with Geico.
Teresa
Verified Review
Somewhat Happy Person
Reviewed in Texas on December 2025
The insurance was good, but every six months it keeps rising.
Brent
Verified Review
Not the greatest, but they are better than everyone in price for me
Reviewed in Indiana on December 2025
They are the cheapest for liability only. I know this because I have gotten quotes from everyone, and all other companies can't beat their price.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.51A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
New Jersey had 654 auto accidents resulting in 691 fatalities during 2024.[2] If you’ve been responsible for causing a car accident in the state or have another violation on your record — such as a speeding ticket or DUI — The General may be a good option for affordable car insurance coverage. The company specializes in insurance for high-risk drivers and will even file your SR-22 form if you need one.
Pros
Provides car insurance for high-risk drivers
SR-22 filings in most states
Available nationwide
Cons
Drivers with good records may find cheaper insurance elsewhere
Fewer coverage options than competitors
Limited discounts for good drivers
Best insurer for personalized customer service: Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
3.8
A solid optionBased on 7,879 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,975)
Mario
Verified Review
Hang Up the Calls
Reviewed in Florida on December 2025
If they don't help with better pricing or return your call, switch.
Phil
Verified Review
Average
Reviewed in Alabama on December 2025
Too expensive for the coverage.
Kirk
Verified Review
Allstate Rocks
Reviewed in North Carolina on December 2025
It's so easy for insurance companies to give you a lower quote. They just gut your policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
624NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate offers New Jersey drivers low premiums and a personalized customer service experience through local agents. The fourth-largest U.S. auto insurer has a distribution network of exclusive and independent agents across the Golden State, who can help provide prospective policyholders with information about different coverage levels and discounts. If you prioritize excellent service and prefer to seek assistance from a local representative, Allstate is worth considering.
Pros
Local car insurance agents throughout New Jersey
Offers Milewise, a pay-per-mile program
AM Best financial strength rating of A+ (Superior)
Cons
Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region[3]
Doesn’t have many unique add-on coverage options
Rates can be expensive for high-risk drivers
Best insurer for senior drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $258/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $294/mo |
4.0
Best choiceBased on 13,555 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,943)
Linda
Verified Review
Horrible Customer Service
Reviewed in California on December 2025
Find another insurance company. Their rates are insane, and they pay any scammer's claim, leaving you disadvantaged.
Deborah
Verified Review
Expensive Insurance
Reviewed in Florida on December 2025
Too expensive for a driver with nothing on their record.
Michael
Verified Review
Good Company
Reviewed in Georgia on December 2025
To me, all car insurance has gotten way too expensive. GEICO is as good as any and better than most!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Approximately 18% of New Jersey’s population is 65 or older. These senior residents may find affordable car insurance premiums with GEICO. The company’s Prime Time contract is for policyholders 50 and older without any violations in the past three years. It guarantees policy renewal and locked-in premiums.
Pros
Accident forgiveness available
Advertised discounts for senior drivers
Intuitive mobile app
Cons
Gap insurance not available
Fewer add-on coverages than some competitors
Below-average customer and claims satisfaction ratings from J.D. Power
Our editorial team analyzed regional and national auto insurance companies that sell policies in New Jersey to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in New Jersey
Follow these tips to find the best car insurance coverage for your needs in the Garden State:
Shop around
Request car insurance quotes from at least three different companies to find the right policy for your situation and needs. You should always compare premiums and coverage options before deciding on a policy.
Read reviews
Check out reviews from current and former policyholders. Look at third-party websites such as Google, Trustpilot, and the Better Business Bureau (BBB) to get an idea of each insurer’s reputation and customer service offerings.
Bundle policies
If you buy your car insurance with another type of coverage — such as homeowners insurance, renters insurance, life insurance, or business insurance — you can usually earn a bundling discount.
Explore usage-based insurance
Usage-based insurance, which some insurers offer, can save you money if you don’t drive often. In most cases, you’ll pay only for the miles you drive, plus a monthly base rate.
Find Cheap Car Insurance in New Jersey
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Average cost of car insurance in New Jersey
The average cost of liability car insurance in New Jersey is $178 per month, which is higher than the national average of $99. For full-coverage insurance, the average is $263 per month in New Jersey, which is slightly lower than the U.S. average of $176.
The state of New Jersey increased the minimum liability coverage requirements on Jan. 1, 2023, and a second phase of higher liability limits will be implemented on Jan. 1, 2026.
Best car insurance in New Jersey FAQs
The following information can help answer your remaining questions about finding the best car insurance in New Jersey.
How much is car insurance in New Jersey?
On average, New Jersey drivers pay $220 per month for car insurance. The average cost by coverage level is $178 per month for liability and $263 for full coverage.
What are the best car insurance companies in New Jersey?
State Farm, The General, and Allstate are a few good options to consider. But the best car insurer in New Jersey ultimately depends on your unique budget, needs, and preferences. You should always compare quotes from several insurance companies when looking for coverage.
What is the required auto insurance coverage amount in New Jersey?
New Jersey requires minimum liability insurance of $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 in property damage liability, and $15,000 in personal injury protection (PIP).[4] Although a second phase of higher liability limits will be effective on Jan. 1, 2026.
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Sources
- United States Census Bureau. "QuickFacts New Jersey; United States."
- New Jersey State Police. "Fatal Crash Statistics."
- J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
- State of New Jersey Department of Banking & Insurance. "Get Legal with New Jersey's Basic Auto Insurance Policy."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.