Best Car Insurance in New Jersey
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If you’re in the market for car insurance and you live in Garden State, you’ve got plenty of options to choose from. But identifying the best car insurance company in New Jersey can feel like trying to put together a jigsaw puzzle in the dark. That’s why we’ve put the pieces together for you.
NerdWallet analyzed 24 insurance companies in New Jersey to help you find the best option. We split our top picks into four categories:
If you’d rather see the full list of the best car insurance companies in NJ, along with their star ratings, jump to the bottom of the page.
How we found the best car insurance in New Jersey.
Why you can trust NerdWallet.
Best car insurance in New Jersey overall: NJM
Headquartered in West Trenton, New Jersey, NJM holds the highest overall star rating out of the 24 companies in New Jersey we analyzed. Because our auto insurance star ratings reward companies for customer-first features and practices, this category represents an overall solid choice for New Jersey drivers seeking a well-rounded insurance company.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/njm.png)
NJM
NJM is among our best car insurance companies for 2023, but it is available in only five states.
Discounts
Great set of discounts
Ease of use
Average
NAIC complaints
Far fewer than expected
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/njm.png)
NJM
NJM is among our best car insurance companies for 2023, but it is available in only five states.
Discounts
Great set of discounts
Ease of use
Average
NAIC complaints
Far fewer than expected
Best car insurance in New Jersey for your budget: Geico
Geico comes out on top as the best car insurance in NJ for your wallet. The company’s average rate for full coverage car insurance is $123 a month in New Jersey. That’s the cheapest car insurance rate among our list of top-rated insurers. Geico also offers a host of car insurance discounts drivers may qualify for. The company is also the largest insurer in New Jersey.
However, your own rate will be different. For a more comprehensive list of affordable options, check out NerdWallet’s analysis of cheap car insurance in New Jersey, which includes the absolute cheapest companies.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/geico.png)
Geico
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Average
NAIC complaints
Close to expected
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/geico.png)
Geico
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Average
NAIC complaints
Close to expected
Best car insurance in New Jersey for customer satisfaction: The Hanover
The Hanover tops our list for the best car insurance company in New Jersey for customer satisfaction. While it’s smaller than other insurers on this list, The Hanover received the fewest customer complaints. Shoppers must work with an independent agent to get a quote or buy an auto policy.
best for customer satisfaction
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/hanover.png)
Discounts
Great set of discounts
Ease of use
Below average
NAIC complaints
Far fewer than expected
best for customer satisfaction
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/hanover.png)
Hanover
The Hanover sells highly customizable policies in 20 states.
Discounts
Great set of discounts
Ease of use
Below average
NAIC complaints
Far fewer than expected
Best car insurance in New Jersey for ease of use: State Farm
State Farm is the best car insurance company in NJ for ease of use. Customers can navigate its easy-to-use website to view policy details and pay premiums. State Farm also offers a highly-rated mobile app where users can access ID cards, file a claim, connect with an agent and more. Tech-savvy customers can even access their policy information and perform other tasks through an Amazon Alexa device.
State Farm
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
State Farm
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Full list of the best car insurance in New Jersey
If you’re looking for even more options, NerdWallet analyzed 24 car insurers to find the best car insurance companies in New Jersey. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.
5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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*USAA is only available to military, veterans and their families. |