Cheapest Car Insurance in New Jersey (2026)
Plymouth Rock leads minimum coverage at $66/month. New Jersey drivers pay an average of $292/month for full coverage. Verified May 2026 against state insurance commissioner and 2026 carrier analyses.
Updated May 1, 2026 · WebSearch-verified state minimums (35/70/25 + UM/UIM (25/50) + $15K PIP — no-fault state with high minimums), average costs, and cheapest-carrier rankings.
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 coverage→ Plymouth 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 price→ Plymouth 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 + home→ State Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
- You drive defensively + would let an app monitor→ Progressive (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.
Get a free New Jersey quote in 15 minutes
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$66/mo
Cheapest minimum coverage
$292/mo
State avg full coverage
35/70/25 + UM/UIM (25/50) + $15K PIP
State minimum required
May 2026
Last verified
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
WalletGrower is independently owned and operated. We maintain editorial independence from our affiliate partners.
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.
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