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Cheapest Car Insurance in New Jersey (NJ)

Auto insurance in New Jersey was a long time nightmare for drivers, who faced the highest premiums in the nation, and watched many insurers simply leave the state because of the high cost of doing business there. Things have come around a bit, and some companies that had earlier abandoned the Garden State have returned. Rates are more in line with those found in other states just a few years ago.

Regarding driving styles in New Jersey – they remain within the bounds of the Northeastern U.S. in terms of the type of styles found in that region. A driver needs to be assertive in traffic-bound centers, and if you make eye contact, you will often get a break to enter the road. New Jersey drivers are fairly courteous.

As for insurers, as already noted there have several companies that have returned to writing New Jersey policies, so it is not as difficult to find coverage as it was in past decades. Still, some companies offer continuing coverage to existing customers, but refuse to write new policies. There has been some interplay between the insurance companies and the State Government that has been semi-hostile and most of these grandfathered policies were dictated by New Jersey.

One company that offers good coverage at a good price is Amica. The catch is, you need to have a near-flawless driving record to get a policy from this company.

The ubiquitously-advertised GEICO has returned to doing business in New Jersey, after a long hiatus. They are worth getting a quote from, but not necessarily the least expensive because of marketing costs.

State Farm still apparently is accepting new policies, as is Palisades Insurance Group, which insures quite a few New Jersey drivers.

Returning to driving styles in the state of New Jersey, you should be aware of the fact that there are still a number of driving circles in cities and towns in the state. If you are from out-of-state, the general rule is that when several roads feed into a circle, drivers already on the circle have the right of way. If you are approaching a circle, come to a stop if necessary (those behind you will understand) and press the pedal down when you can get out into the circle.

Do not be surprised if you are driving the Turnpike or Garden State Parkway at substantial speed in the passing lane, if someone blows right by in the “slower” lane. Low cost insurance is not hard to find online. You should request several quotes from different companies and then follow-up with agents afterward. If you have teenagers then a discount will be highly desirable because you want the best deal possible. In New Jersey, “keep your eyes on the road, your hands upon the wheel!”

“We offer both liability and comprehensive vehicle coverage, and service everyone including women, young drivers, students, new drivers, and everyone else under the sun in New Jersey!”

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Actual Yearly Savings
  • Mercades
  • $1000
  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 2, 2014
  • Janna
  • $1200
  • Apr 1, 2014
  • Bre-on
  • $400
  • Mar 31, 2014
  • Vita
  • $1200
  • Mar 31, 2014
  • Curtis
  • $2400
  • Mar 28, 2014
  • Clinton
  • $400
  • Mar 25, 2014
  • Janelle
  • $1800
  • Mar 25, 2014
  • Amanda
  • $1000
  • Mar 21, 2014
  • Tricia
  • $600
  • Mar 21, 2014
  • Douglas
  • $1000
  • Mar 20, 2014
  • Edmund
  • $1200
  • Mar 18, 2014
  • Dashawn
  • $1100
  • Mar 18, 2014
  • Summer
  • $2016
  • Mar 15, 2014
  • Hashem
  • $1000
  • Mar 14, 2014
  • Test
  • $1500
  • Mar 14, 2014
  • Margaret
  • $2400
  • Mar 14, 2014
  • Jacqueline
  • $2400
  • Mar 14, 2014
  • Jessica
  • $1200
  • Mar 13, 2014
  • Sofrona
  • $400
  • Mar 13, 2014
  • Angela
  • $1200
  • Mar 12, 2014
  • Lenorris
  • $696
  • Mar 11, 2014
  • Robert
  • $500
  • Mar 9, 2014
  • Stacry
  • $2400
  • Mar 9, 2014
  • Adam
  • $2000
  • Mar 8, 2014
  • Naemo
  • $100
  • Mar 8, 2014
  • Maxine
  • $600
  • Mar 7, 2014
  • Kevin
  • $2136
  • Mar 5, 2014
  • Jessica
  • $600
  • Mar 4, 2014
  • Edwin
  • $960
  • Mar 3, 2014
  • Igor
  • $1500
  • Mar 1, 2014
  • Solee
  • $600
  • Mar 1, 2014
  • Ahmed
  • $420
  • Mar 1, 2014
  • Alexander
  • $2268
  • Feb 27, 2014
  • Michael
  • $2400
  • Feb 27, 2014
  • Tyanna
  • $400
  • Feb 26, 2014
  • Natesha
  • $1200
  • Feb 25, 2014
  • Trini
  • $720
  • Feb 23, 2014
  • Wanda
  • $120
  • Feb 22, 2014
  • Alex
  • $1200
  • Feb 22, 2014
  • Courtney
  • $300
  • Feb 19, 2014
  • Brenda
  • $210
  • Feb 18, 2014
  • Ryan
  • $400
  • Feb 16, 2014
  • Mandy
  • $400
  • Feb 13, 2014
  • Brianne
  • $1800
  • Feb 13, 2014
  • Daniel
  • $2000
  • Feb 12, 2014
  • Jaime
  • $1080
  • Feb 12, 2014

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"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared



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