Best Car Insurance In NJ: Top 10 Revealed

what's the best car insurance in nj?

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You might know that New Jersey's auto insurance premiums are higher than the national average. You still need to get auto insurance; but don't worry. In this article, we break down the companies that offer the best car insurance in NJ. We will go over who gives the best discounts, the most coverage options, the best mobile apps, and more.

Best Car Insurance in NJ FAQ

Car insurance is protection against the legal and financial ramifications of an accident. Accidents can result in many costs, including damage to property, medical bills, loss of work compensation, legal bills, and more. Although most states require liability insurance, the minimum legal requirement is often not enough to cover the full expense of an accident. If you are involved in an accident and don't have adequate coverage, your personal assets could be at risk. It is important for everyone to consider insurance in the context of an overall financial strategy to protect themselves and everything they own.

Do I Need Car Insurance in NJ?

How Much Car Insurance Do I Need?

How Can I Pick the Right Amount of Coverage?

How Is My Premium Calculated?

Why Did My Car Premium Go Up?

How We Reviewed

The following products were reviewed based on the following parameters: Features, Coverage Options, Discounts, Apps/Websites, Ease of Filing a Claim, Pros & Cons, and Price.

Overall Price Range

Based on data from QuoteWizard, the average car insurance policy in New Jersey costs just over $1,250 annually. Premiums depend on factors such as age, level of coverage, neighborhood, credit score, driving record, make of your car, and more.

What We Reviewed

  • Travelers
  • NJM
  • GEICO
  • Progressive
  • Allstate
  • State Farm
  • USAA
  • The Hartford
  • Esurance
  • Hanover
travelers_logo

Features

Travelers has been in business since 1853. It has the best average price for drivers with a good credit score and a clean driving history.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Good for older drivers and those with a clean record
  • New car replacement within 5 years
  • Accident forgiveness available as supplemental coverage

Cons

  • No safety feature discounts
  • Low claim satisfaction scores

NJM

Features

NJM, or New Jersey Manufacturer, was founded in 1937 and is based in Trenton, NJ. It started out offering worker's compensation and later expanded to insurance. Key features of this provider include free roadside assistance with all policies and dividends paid out yearly to all policyholders.

While NJM used to be restricted to certain NJ residents, it is now available to all New Jersey residents.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • High satisfaction with handling of claims
  • Free roadside assistance with all policies
  • Competitive rates
  • Returns profits to policyholders in the form of dividends
  • Good for young and single male drivers

Cons

  • Only available to employees of certain organizations
  • Only available in NJ and PA
geico

Features

Key features of this provider include high claims satisfaction, rental car reimbursement, accident forgiveness, and rental car coverage. The mobile app and discounts come highly regarded.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Accident forgiveness and ride share coverage in 40 states
  • Multiple discounts
  • Financially strong company
  • Military discount

Cons

  • Not for people who want multiple policies with the same company
  • No gap insurance
share-opengraph-1200

Features

Progressive has been in business since 1937. Customers love it because they can purchase policies online without going through an agent! Key features of this provider include Snapshot and a usage-based app and telematics device that monitors driving and offers discounts for good habits.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Good for high-risk and low-mileage drivers
  • Snapshot can offer savings
  • Bundle options with home insurance

Cons

  • Fewer discounts than others
  • Fewer coverage options
logo_footer

Features

Allstate has offices in 43 states and 2 provinces in Canada. They offer a wide range of digital tools for customers to manage their policies and monitor driving behavior.

Key features of this provider include Drivewise, an app that monitors a driver's speed and braking; Cellcontrol, an app that controls cell phone usage; and a Safe Driving Bonus program.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Financially sound company
  • Can bundle multiple policies
  • Customer service gets good reviews

Cons

  • Higher rates across the board
  • Claims filing process gets poor reviews
statefarm

Features

State Farm has been around since 1922. As you might expect from the name, it has special insurance options for farmers and ranchers. You can call in to get a quote or visit one of their 18, 000 State Farm agents nationwide.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Apply in person or over the phone
  • Coverage for classic cars
  • Good for those with spotty driving records

Cons

  • Rates are slightly higher
  • Some agents better than others
USAA-Logo

Features

Customers must be affiliated with the military to be eligible for USAA insurance. USAA offers some of the best car insurance in NJ if you can get it.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Competitive rates
  • Both financial and insurance products
  • Excellent customer service

Cons

  • Must be military affiliated
  • No other cons found
thehartford_logo

Features

The Hartford is a well-respected insurance company in business since 1810. The Hartford is especially geared toward AARP members over 50, who get policy discounts.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Excellent benefits for AARP members
  • Excellent customer service
  • Multiple discounts

Cons

  • Not as good for non-AARP members or those under 50
  • Few online resources
logo-esu-as-308

Features

Esurance was bought by Allstate in 2011. Esurance focuses on the online experience rather than on agents, with 3,000 service representatives but only 17 physical locations. Customers can buy policies online or over the phone.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Convenient online tools
  • Quick claims filing process
  • Can apply online or over the phone

Cons

  • Cannot pay by check or over the phone
  • No new car replacement
  • Fewer coverage options than other providers
HIG_wordmrk_k

Features

The Hanover was founded in 1852 in Worcester, Massachusetts. It has a financial stability rating of A. It has over 2,000 agents nationwide, including many in New Jersey.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Aims to contact customers within 1 business day of filing a claim
  • Top-notch customer service

Cons

  • Premium service – not great for those on a budget
  • Only sells insurance policies through agents

The Verdict

After reviewing all the options, it's hard to choose just one insurance provider. However, there is one that stands out as having some of the best car insurance in NJ. Though NJM used to only be open to certain NJ residents, it is now open to everybody. We think it is a great choice for its top-rated customer service, robust coverage, and free roadside assistance. It's a regional carrier that has its roots in NJ and understands what people need.

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