What is the minimum car insurance required in New Jersey?

New Jersey requires 35/70/25 + UM/UIM (25/50) + $15K PIP — no-fault state with high minimums. Additional required coverage: $25K/$50K UM/UIM + $15K PIP required. Driving without minimum coverage results in license suspension, fines of $500+, and personal liability for any damages. The minimum is the legal floor — most drivers benefit from higher liability limits because state minimums often don't fully cover damages from a serious accident.

What is the average cost of car insurance in New Jersey?

New Jersey drivers pay an average of $292/month ($3,510/year) for full coverage and $180/month ($2,163/year) for minimum coverage. Your specific quote depends on your age, driving record, credit (where allowed), vehicle, and ZIP code — averages are useful for comparison but always quote 3+ carriers for your real rate.

Which car insurance company is cheapest in New Jersey?

For minimum coverage, Plymouth Rock is cheapest at $66/month ($792/year average). Note: CSAA and NJM also competitive ($100/mo CSAA min coverage avg) For full coverage, Plymouth Rock averages $121/month ($1,452/year).

How can I lower my car insurance in New Jersey?

Five proven tactics: (1) Quote 3+ carriers — switching saves the average driver $300–$500/year. (2) Bundle auto + home for 10–25% off (State Farm leads at 22–23%, ~$1,010/yr avg savings). (3) Increase your deductible from $500 to $1,000 — saves 15–30%. (4) Use telematics — Progressive Snapshot saves safe drivers $322/yr avg, up to 30% off. (5) Stack discounts — multi-vehicle, good driver, paperless, autopay, and pay-annually compound to 30%+ off baseline. In New Jersey specifically, bans credit-based insurance pricing (one of 5 states — also ca, hi, ma, mi).

Do I need uninsured motorist coverage in New Jersey?

Yes — New Jersey requires uninsured/underinsured motorist (UM/UIM) coverage by law. Roughly 12–25% of drivers nationally are uninsured (varies by state). UM coverage pays your medical bills and car repairs if you're hit by an uninsured or underinsured driver. It typically costs $5–$15/month and is one of the highest-ROI coverages you can add.

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Verified May 1, 2026·47,000+ readers·Independent rankings

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Quick Answer — New Jersey

Minimum coverage required: 35/70/25 + UM/UIM (25/50) + $15K PIP — no-fault state with high minimums
Avg full coverage cost: $292/month ($3,510/year)
Cheapest carrier (minimum): Plymouth Rock — $66/mo avg
Cheapest carrier (full coverage): Plymouth Rock — $121/mo avg

What's special about car insurance in New Jersey

BANS credit-based insurance pricing (one of 5 states — also CA, HI, MA, MI)
No-fault state with $15K mandatory PIP coverage
High minimum coverage requirements (35/70/25) compared to most states
Among the most expensive auto insurance markets in the US — population density + high claim costs
Plymouth Rock and NJM are regional carriers consistently cheapest for NJ residents

New Jersey car insurance at a glance

Feature	Detail	Monthly	Annual
Minimum coverage required	35/70/25 + UM/UIM (25/50) + $15K PIP — no-fault state with high minimums	—	—
Avg minimum coverage cost	$180/mo	$2,163/yr	—
Avg full coverage cost	$292/mo	$3,510/yr	—
Cheapest carrier (minimum)	Plymouth RockBest	$66/mo	$792/yr
Cheapest carrier (full coverage)	Plymouth RockBest	$121/mo	$1,452/yr

Which carrier should New Jersey drivers pick?

Match your situation to the right carrier. New Jersey-specific pricing varies by carrier, but the patterns below hold for most drivers.

You want the absolute cheapest minimum coveragePlymouth RockCheapest in New Jersey at $66/mo. CSAA and NJM also competitive ($100/mo CSAA min coverage avg)
You want full coverage at the lowest pricePlymouth Rock$121/mo full coverage in New Jersey.
You qualify for USAA (military / veteran / family)USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
You bundle auto + homeState Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
You drive defensively + would let an app monitorProgressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
You have a high-risk record (DUI, accidents, tickets)ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.

Verified by the WalletGrower Editorial Team — current as of April 2026. We update rates, bonuses, fees, and product details regularly against each provider's published disclosures. Vendors can change offers between our update cycles, so we always recommend confirming the current published rate or bonus on the provider's site before signing up or applying.

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Methodology & sources

All New Jersey data on this page was WebSearch-verified May 2026 against the New Jersey insurance commissioner / DMV and at least one of the following 2026 carrier analyses:

Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.