New Jersey Car Insurance Rates - Auto Insurance Quotes in NJ

If you are shopping for auto insurance in New Jersey, you are at the right place. CarInsurance.com offers strong, reliable carriers. We want customers to shop and pick the best company that is competing for their business. Getting a quote is easy and you get to compare the rates from multiple companies so you know you are getting a good deal with the right coverage. The only way to save on car insurance is to shop for car insurance. The best rate last year is not the best rate this year!

State Insurance Requirements

New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage with 15/30 UM limits.

New Jersey Coverage:

Basic Policy
Property Damage Liability: $5,000 Limit
Personal Injury Protection: $15,000 Limit
Standard Policy
Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
Uninsured Motorist Property Damage: $5,000 Limit
Personal Injury Protection: $15,000 Limit
*Both Basic and Standard Policies include $250,000 PIP limit for permanent or significant injury.

The state of New Jersey follows a Choice No-Fault system meaning drivers may reject the No-Fault system options and retain the right to sue (Tort system) for any auto-related injury.

Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. New Jersey state law requires a minimum Personal Injury Protection coverage of $15,000.

To help protect against damages caused to you and your passengers by an uninsured driver, New Jersey state law requires a minimum Uninsured/Underinsured Motorist coverage of $15,000 per person up to a total of $30,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).

Get the car insurance you need for your city or any of these other cities in New Jersey... Get an auto insurance quote now.

Quotes available in all of New Jersey, including:

• Newark
• Jersey City
• Paterson
• Elizabeth
• Edison
• Toms River
• Trenton
• Camden
• Clifton
• East Orange

The average auto insurance premium for residents in New Jersey was $1,365 in 2003; the national average was $914. Some people think the state and insurance companies fix the rates, so they never shop around for better rates. Insurance companies segment their rates differently so everyone's rate will be different with each company. You have to shop around to see if you are saving money. CarInsurance.com helps you find the competitive rates and discounted prices available in New Jersey, so average New Jerseyites can get a better-than-average low rate on their auto insurance.

2007 had the first decrease in rates since 1999. 2007 had a .5% to 1% decrease in car insurance rates from 2006. In 2008, rates are expected to slowly rise again! Sites like CarInsurance.com recognize that the only way to save is to shop. We bring competition directly to the consumer and lower your costs through technology!

Visit the U.S. Car Insurance Requirements page to see how New Jersey state laws compare to other states.

Rates also change over the years and especially in a state like New Jersey, if you are not careful you could end up paying too much for your auto insurance. Looking back, the average auto insurance premium in 2000 was about $1,146; it increased 19.11% in just 3 years! Since then rates have fluctuated. Don't waste your money paying high insurance premiums, start saving now by spending 10 minutes comparing rates on CarInsurance.com.

For those with a great driving record and even those with the not-so-great driving record, we can give you the best rates available in New Jersey. We believe it is very important to take care of yourself and your property, and CarInsurance.com has the most affordable rates in New Jersey. We allow you to compare the rates and purchase on one site. All the residents of the Garden State know that to get the low cost rates from a reliable company, CarInsurance.com is the only name you need to know.

Looking for car insurance in a state other than New Jersey? At CarInsurance.com, we provide the low cost quotes and rates for all the 50 States. To get a quote for another city or state, type in your zip code above and find out how much you can save. For more information, choose a different state below.