NJ Cheapest Car Insurance

Purchasing car insurance is a must for every car owner in New Jersey. The state’s laws require every vehicle to have car insurance or other alternatives that meet the state’s minimum coverage requirements. However, finding the right policy at a price that fits your budget can be a daunting task. In this article, we will discuss everything you need to know about getting the cheapest car insurance in NJ.

Understanding NJ Car Insurance Requirements

Before diving into the topic of how to get the cheapest car insurance in NJ, it’s essential to understand the state’s minimum coverage requirements. The following is an overview of the coverage types, limits, and minimum requirements in the state:

Coverage Type
Minimum Coverage
Bodily Injury Liability
$15,000 per person/$30,000 per accident
Property Damage Liability
$5,000 per accident
Personal Injury Protection (PIP)
$15,000 per person/per accident

It’s important to note that these are only the minimum requirements. It’s recommended to get coverage that goes beyond the minimum requirements to ensure better protection in the event of an accident.

How to get the Cheapest Car Insurance in NJ

Compare Quotes from Different Insurance Companies

The first step to getting the cheapest car insurance in NJ is to shop around and compare quotes from different insurance companies. You can request quotes online or call insurance agents in your area. It’s essential to compare the coverage types, limits, and deductibles offered by different companies before making a decision.

Consider Discounts

Many insurance companies offer various discounts that can help you save money on your car insurance. Some common discounts include:

  • Good driver discount
  • Safe driver discount
  • Multi-car discount
  • Low mileage discount
  • Good student discount
  • Bundling discount (for purchasing multiple policies from the same insurer)

Make sure to ask about available discounts when shopping for car insurance.

Choose a Higher Deductible

The deductible is the amount you have to pay out of your pocket before your insurance coverage kicks in. Choosing a higher deductible can significantly lower your monthly premium. However, make sure to choose a deductible that you can afford to pay in the event of an accident.

Reduce Coverage on Older Vehicles

If you have an older vehicle, reducing coverage on it can help you save money on your insurance premium. For example, if your car’s value is less than the cost of comprehensive and collision coverage, you may consider dropping these coverages to save money.

Improve Your Credit Score

Your credit score can affect your car insurance premium. Insurance companies use credit information to determine the likelihood of filing a claim. Improving your credit score can help you get a lower rate.

NJ Cheapest Car Insurance FAQ

What is the Penalty for Driving Without Car Insurance in NJ?

The penalty for driving without car insurance in NJ is severe. The first offense can result in a fine of $300 to $1,000, license suspension for one year, and community service. Subsequent offenses can result in higher fines and longer license suspensions. Additionally, you may be required to purchase high-risk car insurance, which is more expensive.

Will My Insurance Premium Increase if I File a Claim?

It’s possible that your insurance premium will increase if you file a claim. However, it’s not a guarantee. Insurance companies take several factors into account when determining premium rates, including your driving record, age, and location.

What Happens if I Get into an Accident with an Uninsured Driver?

If you get into an accident with an uninsured driver in NJ, your insurance coverage should kick in, provided you have the appropriate coverage types. However, if the uninsured driver is at fault and cannot pay for damages, you may be on the hook for the costs.

How Can I Lower My Car Insurance Premium as a Young Driver in NJ?

Young drivers in NJ typically pay higher car insurance premiums. However, there are ways to reduce the cost, such as:

  • Taking a defensive driving course
  • Getting good grades in school
  • Choosing a car with high safety ratings
  • Being a good driver (avoiding tickets and accidents)
  • Becoming an occasional driver on your parents’ policy

How Often Should I Shop for Car Insurance in NJ?

It’s recommended to shop for car insurance in NJ at least once a year. Insurance rates can fluctuate, so it’s important to compare quotes from different companies to ensure you’re getting the best deal.


Getting the cheapest car insurance in NJ requires some effort, but it’s worth it in the long run. By comparing quotes, taking advantage of discounts, choosing a higher deductible, reducing coverage on older vehicles, and improving your credit score, you can lower your monthly premium and save money. Remember to purchase coverage that goes beyond the minimum requirements to ensure better protection in the event of an accident.