Cheap Car Insurance in New Jersey
Compare the best rates from top car insurance companies in New Jersey.
New Jersey Car Insurance
If you want to drive legally on the roads of New Jersey, you must have an active New Jersey auto insurance policy. According to recent surveys, the average yearly car insurance premium in New Jersey is $1,679 which is 17.6% higher than the national average of $1,427. However, any licensed driver should carry a minimum required level of insurance in the state of New Jersey.
A licensed driver should carry a minimum liability auto insurance New Jersey for him/her to drive legally. This auto insurance will cover your vehicle at the time of an accident.
The minimum policy coverage
- $15,000 bodily injury liability per person.
- $15,000 personal injury protection per accident.
- $5,000 property damage liability per accident.
Cheap Car Insurance in New Jersey
In New Jersey, the insurance rates depend on several factors such as age, gender, marital status, credit report, your driving history, vehicle model and zip code. If you are looking for cheap auto insurance in New Jersey and compare car insurance quotes from top providers. Call and get a cheap car insurance quote in New Jersey.
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Optional Coverage
Accident Forgiveness- Roadside Assistance
- Rental Reimbursement
- Extended Coverage
Cheap car insurance providers in New Jersey
Cheap car insurance providers in New Jersey are:
21st Century, Travelers, New Jersey Manufacturers, Penn National, Palisades, Cal Casualty, Hartford, Allstate, USAA, Mercury, Amica, Esurance, etc.
New Jersey Auto Insurance FAQS
Which are the least expensive cities in New Jersey to insure?
Auto insurance in New Jersey is least expensive in cities such as Toms River, Sayreville, Vineland, Lakewood, and New Brunswick.
What is New Jersey’s “no-fault accident system”?
New Jersey has a no-fault accident system. According to the no-fault system, your insurance coverage (also called personal injury protection” or “PIP) will pay for the expenses of anyone covered under the policy despite who caused the accident. You can move out of the no-fault system and file a lawsuit against the at-fault driver if;
if you loss of a body part
if there is a significant disfigurement
if there is a significant scarring
if there is a displaced fracture
if you loss of a fetus
if there is a permanent injury (affected body part has not healed to allow normal function and is not expected to), or
death.
Also, New Jersey’s no-fault system doesn’t cover for vehicle damages after the accident. You can file a liability claim against the at-fault driver for the damages caused and there is no limit for this coverage.
Which are the most expensive cities in New Jersey to insure?
Auto insurance in New Jersey is expensive in cities such as Newark, West New York, East Orange, Passaic, and Paterson.
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