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Best car insurance in New Jersey for 2025
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Reviewed by
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Reviewed by
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in New Jersey
The average annual premium for car insurance in New Jersey is $2,864 for full coverage and $1,156 for a minimum coverage policy. Bankrate’s insurance editorial team conducted research on the largest car insurance companies by market share in the Garden State. According to our proprietary premium data supplied by Quadrant Information Services, third-party scoring from the J.D. Power 2024 U.S. Auto Insurance Study and other important metrics, Geico, State Farm, Travelers, NJM and Selective are among the best car insurance companies in New Jersey.
You might want to consider getting quotes from the following companies if you are searching for the best auto insurance in New Jersey:
|
|
|
|
|
|---|---|---|---|
|
4.3
|
$2,490
|
$876
|
|
|
4.3
|
$3,431
|
$1,752
|
|
|
4.1
|
$1,736
|
$852
|
|
|
4.2
|
$1,904
|
$845
|
|
|
Selective
|
3.9
|
$1,543
|
$462
|
Geico
Best for discounts
4.3
4.3
Avg. full coverage premium
$208/mo
Avg. full coverage premium
$2,490/yr
Customer satisfaction
647/1,000
-
Why Geico made our list: Discounts can be a great way to get lower car insurance rates without sacrificing coverage. Geico has an extensive list of discounts, many of which can be stacked together to get even more savings. The company offers one of the longest lists of discounts in the industry, with potential savings for federal employees, military members, safe drivers and good students. For those who like to service their insurance policy on the go, Geico’s digital app (highly rated on the App Store and Google Play) is robust and allows you to request roadside service, view ID cards, make payments, file claims and request policy changes. The insurer may also be one worth checking out if you’ve had a few dings in your driving record, as it snagged the Best Auto Insurance for High-Risk Drivers in our 2025 Bankrate Awards. However, Geico does not offer as many optional coverage types as its competitors, which may make policy personalization more difficult.
Who Geico may be good for: Drivers who want to stack as many discounts as possible to save on car insurance may find Geico to be an attractive option, as might drivers with a few incidents on their driving record.
Read full Geico Insurance review
State Farm
Best for young drivers
4.3
4.3
Avg. full coverage premium
$286/mo
Avg. full coverage premium
$3,431/yr
Customer satisfaction
652/1,000
-
Why State Farm made our list: With Steer Clear and good student discounts, State Farm may be a good choice for younger drivers in New Jersey. It also may appeal to those who want to work with a real live person—State Farm sells its coverage through a network of local exclusive agents, and there are plenty of agencies in the state. In fact, State Farm is the largest insurance company in the country by market share. State Farm’s J.D. Power ranking for customer satisfaction is about average in the Mid-Atlantic region, though it ranks well above average in the 2024 J.D. Power Auto Claims Satisfaction Study. State Farm also won Best Auto Insurance Company for Safe Drivers in the 2025 Bankrate Awards, so if you’ve got a clean driving record and a habit of taking it easy on the road, it may be worth checking out.
Who State Farm may be good for: State Farm could be an appealing option for younger drivers in New Jersey, especially given its Steer Clear and good student discounts. Additionally, with a vast network of local exclusive agents in the state, it provides accessible and localized services for residents.
Read full State Farm Insurance review
Travelers
Best for bundling
4.1
4.1
Avg. full coverage premium
$145/mo
Avg. full coverage premium
$1,736/yr
Customer satisfaction
628/1,000
-
Why Travelers made our list: Travelers could be a good choice if you are looking to insure your home and auto with the same provider and want to benefit from a bundling discount. Not only does Travelers offer lower-than-average rates for auto insurance in New Jersey, but it also offers home, condo and renters insurance, which means there’s an opportunity to bundle and save on your policies. Travelers also offers options that other companies may not, like gap coverage and umbrella policies. You may even earn a discount for driving an electric or hybrid vehicle. While it is true that Travelers’ 2024 J.D. Power Auto Insurance Study score was lower than some other companies in this region, it fared well for auto insurance in the NAIC Complaint Index.
Who Travelers may be good for: Travelers might be an ideal choice for New Jersey residents looking to bundle their home and auto insurance, given its competitive rates. Additionally, those driving electric or hybrid vehicles, or seeking specialized coverage options like gap and umbrella policies, might find Travelers particularly beneficial.
Read full Travelers Insurance review
NJM
Best for insuring with a regional carrier
4.2
4.2
Avg. full coverage premium
$159/mo
Avg. full coverage premium
$1,904/yr
Customer satisfaction
711/1,000
-
Why NJM made our list: NJM, which stands for New Jersey Manufacturers (its original name when founded in 1913), is a regional insurer based in West Trenton, New Jersey that sells auto insurance coverage in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania. Although NJM is a smaller insurance company, it still ranks in second place in the 2024 J.D. Power Auto Insurance Study for the Mid-Atlantic region, beating out much larger insurers like State Farm, Nationwide and Geico. It also took first place in the 2024 Auto Claims Satisfaction Study. NJM does not offer a large selection of coverage packages, but it does offer physical damage coverage for trailers. It also has lower-than-average rates for drivers who have an accident on their record, based on our assessment. As a smaller company, though, NJM’s digital tools may not be quite as robust as the tools provided by other companies, so it may not be the best choice for you if you prefer to handle your insurance online or via a mobile app.
Who NJM may be good for: Based on Bankrate’s study on average car insurance rates, NJM could be worth a look for drivers with an incident on their driving record.
Read full NJM insurance review
Selective
Best for coverage add-ons
3.9
3.9
Avg. full coverage premium
$129/mo
Avg. full coverage premium
$1,543/yr
Customer satisfaction
Not rated
-
Why Selective made our list: According to our research, Selective is among the cheapest car insurance companies in New Jersey out of those we studied, with average full coverage and minimum coverage premiums far below the New Jersey average. Selective is a regional insurer based in Branchville, New Jersey, and is a great choice for consumers who want to be insured by a local company. Along with better-known perks like accident forgiveness and vanishing deductible, it also offers unique add-ons like agreed value and pet injury coverage. While it may not be rated by J.D. Power for customer satisfaction due to its smaller size, the company carries an A+ (Superior) financial strength rating by AM Best. If you are looking for 24/7 customer service, however, Selective may not be the company for you. While you can file a claim with Selective 24/7 online or via telephone, other customer service matters are handled through its statewide distribution network of independent agents.
Who Selective may be good for: Selective has some of the cheapest average car insurance rates in New Jersey, which could make it an option for drivers on a budget. Keep in mind, however, that car insurance premiums vary by person so it may not be the cheapest option for every driver.
How Bankrate chose the best car insurance companies in New Jersey
The Bankrate insurance editorial team issued Bankrate Scores to the most prominent companies that offer New Jersey auto insurance. These Scores run from 0.0 to 5.0, with 5.0 being the best score available. We formulated these Scores by first reviewing proprietary 2024 premium data provided by Quadrant Information Services. Then, we compiled third-party ratings from J.D. Power and AM Best, and considered other factors like discount offerings, coverage packages and online services. Our goal is that our holistic scoring system will help you choose the best car insurance company in New Jersey tailored to fit your specific needs.
Why you can trust Bankrate
Read our full methodologyTo help New Jersey drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in New Jersey
Drivers in New Jersey must maintain continuous coverage to avoid potential hefty fines and suspensions to their driver’s licenses and vehicle registrations. In addition to complying with the law, a sufficient car insurance policy could provide essential financial protection if you are involved in a car accident. Since every driver has their own needs when it comes to auto insurance, no one company will be best for all. For this reason, it may be a good idea to shop around and request quotes from multiple companies. We’ve compiled some things you might want to keep in mind while you’re shopping so that you can find the best car insurance in New Jersey that fits your needs.
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in New Jersey?
The average cost of car insurance in New Jersey is $2,864 per year for full coverage, according to data obtained from Quadrant Information Services. Minimum coverage costs an average of $1,156 each year. This means that New Jersey's minimum coverage is higher than the national average of $773, and full coverage is also above the national average of $2,670. The higher rates may be related to the high number of urban areas there are in the state, where you will often see elevated rates to reflect increased accident frequency and severity. You should keep in mind that your rates will likely differ from the averages based on your individual rating factors.
Compared to the rates of nearby states, New Jersey is a mixed bag. Take Pennsylvania, for instance. Although Pennsylvania and New Jersey are neighbors, the average cost for a full coverage policy in Pennsylvania is $2,436 per year, lower than New Jersey. New York, one of the most expensive states for car insurance in the country, is much more expensive than New Jersey, however, averaging a whopping $3,967 annually for full coverage.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Avenel | $2,845 | -1% |
| South Plainfield | $2,716 | -5% |
| Elizabeth | $3,757 | +27% |
| Hawthorne | $2,904 | +1% |
| Haledon | $2,971 | +4% |
| Brookside | $2,334 | -20% |
| Madison | $2,313 | -21% |
| Leeds Point | $2,775 | -3% |
| Trenton | $2,931 | +2% |
| Somerset | $2,706 | -6% |
| Plainfield | $3,246 | +12% |
| Iselin | $2,845 | -1% |
| Jersey City | $3,495 | +20% |
| Pedricktown | $2,473 | -15% |
| Ocean Gate | $2,467 | -15% |
| Westwood | $2,493 | -14% |
| Florham Park | $2,355 | -20% |
| Stone Harbor | $2,348 | -20% |
| Delmont | $2,646 | -8% |
| Clifton | $3,337 | +15% |
| Lodi | $3,290 | +14% |
| Magnolia | $2,540 | -12% |
| Avalon | $2,348 | -20% |
| Mizpah | $2,772 | -3% |
| Vineland | $2,753 | -4% |
| Emerson | $2,631 | -8% |
| Landing | $2,348 | -20% |
| Blackwood | $2,637 | -8% |
| Leesburg | $2,654 | -8% |
| Bayonne | $3,284 | +14% |
| Garwood | $2,613 | -9% |
| Ho Ho Kus | $2,477 | -14% |
| Riverside | $2,428 | -16% |
| Lavallette | $2,310 | -21% |
| Wallington | $3,287 | +14% |
| Secaucus | $2,953 | +3% |
| Newark | $3,936 | +32% |
| Johnsonburg | $2,376 | -19% |
| Cedar Knolls | $2,350 | -20% |
| National Park | $2,521 | -13% |
| Glen Gardner | $2,353 | -20% |
| Fairview | $3,765 | +27% |
| Fort Lee | $3,452 | +19% |
| Paterson | $3,826 | +29% |
| Washington | $2,354 | -20% |
| Chester | $2,339 | -20% |
| New Gretna | $2,445 | -16% |
| Fort Dix | $2,435 | -16% |
| Dunellen | $2,586 | -10% |
| Helmetta | $2,611 | -9% |
| Fairfield | $2,537 | -12% |
| Mc Afee | $2,627 | -9% |
| Beverly | $2,428 | -16% |
| Farmingdale | $2,564 | -11% |
| Hancocks Bridge | $2,538 | -12% |
| Rio Grande | $2,331 | -21% |
| New Egypt | $2,416 | -17% |
| Edison | $2,710 | -6% |
| Teterboro | $2,915 | +2% |
| Highlands | $2,424 | -17% |
| Basking Ridge | $2,318 | -21% |
| Carlstadt | $2,959 | +3% |
| Marlton | $2,492 | -14% |
| Glen Rock | $2,536 | -12% |
| Hackensack | $3,289 | +14% |
| Dumont | $2,703 | -6% |
| Camden | $3,679 | +25% |
| Chesterfield | $2,380 | -18% |
| East Orange | $3,829 | +29% |
| Hoboken | $3,469 | +19% |
| Weehawken | $3,477 | +19% |
| Asbury Park | $2,553 | -11% |
| Augusta | $2,360 | -19% |
| Randolph | $2,325 | -21% |
| Morristown | $2,325 | -21% |
| Whippany | $2,350 | -20% |
| Paulsboro | $2,532 | -12% |
| Newtonville | $2,766 | -3% |
| Skillman | $2,360 | -19% |
| Normandy Beach | $2,279 | -23% |
| High Bridge | $2,326 | -21% |
| Mahwah | $2,441 | -16% |
| East Brunswick | $2,636 | -8% |
| Warren | $2,420 | -17% |
| Butler | $2,365 | -19% |
| Demarest | $2,783 | -3% |
| Teaneck | $3,044 | +6% |
| Englishtown | $2,619 | -9% |
| Port Monmouth | $2,392 | -18% |
| Morris Plains | $2,350 | -20% |
| Hammonton | $2,798 | -2% |
| Wharton | $2,355 | -19% |
| Birmingham | $2,440 | -16% |
| West Berlin | $2,702 | -6% |
| Princeton | $2,472 | -15% |
| Kearny | $3,384 | +17% |
| Wenonah | $2,546 | -12% |
| South Dennis | $2,435 | -16% |
| Margate City | $2,809 | -2% |
| Cream Ridge | $2,426 | -17% |
| Hopatcong | $2,357 | -19% |
| Willingboro | $2,772 | -3% |
| Goshen | $2,450 | -16% |
| Pomona | $2,700 | -6% |
| Alpine | $2,765 | -4% |
| Green Creek | $2,432 | -16% |
| Westfield | $2,584 | -10% |
| Roselle | $3,475 | +19% |
| Woodcliff Lake | $2,457 | -15% |
| Dennisville | $2,427 | -17% |
| Bogota | $3,069 | +7% |
| Matawan | $2,596 | -10% |
| Cape May Point | $2,366 | -19% |
| Florence | $2,432 | -16% |
| Manchester Township | $2,457 | -15% |
| Spotswood | $2,604 | -9% |
| North Arlington | $2,969 | +4% |
| Totowa | $2,856 | -0% |
| Pluckemin | $2,344 | -20% |
| Highland Lakes | $2,562 | -11% |
| Mullica Hill | $2,500 | -14% |
| Fair Haven | $2,384 | -18% |
| Ironia | $2,365 | -19% |
| Newton | $2,360 | -19% |
| Tuckerton | $2,375 | -19% |
| Roebling | $2,432 | -16% |
| Hillside | $3,424 | +18% |
| Park Ridge | $2,425 | -17% |
| Belmar | $2,231 | -25% |
| Hibernia | $2,346 | -20% |
| Mount Ephraim | $2,536 | -12% |
| Dover | $2,425 | -17% |
| Buttzville | $2,375 | -19% |
| New Brunswick | $2,808 | -2% |
| Little Ferry | $3,145 | +9% |
| Mount Tabor | $2,333 | -20% |
| Rancocas | $2,429 | -16% |
| Zarephath | $2,664 | -7% |
| Scotch Plains | $2,658 | -7% |
| Orange | $3,829 | +29% |
| South Orange | $3,229 | +12% |
| Edgewater | $3,451 | +19% |
| Leonia | $3,113 | +8% |
| Cherry Hill | $2,520 | -13% |
| Browns Mills | $2,491 | -14% |
| Mickleton | $2,495 | -14% |
| Mauricetown | $2,666 | -7% |
| Winslow | $2,797 | -2% |
| Paramus | $2,799 | -2% |
| West Long Branch | $2,398 | -18% |
| Greendell | $2,363 | -19% |
| Gladstone | $2,356 | -19% |
| Oceanville | $2,778 | -3% |
| Asbury | $2,350 | -20% |
| Stewartsville | $2,336 | -20% |
| Mountainside | $2,509 | -13% |
| Garfield | $3,340 | +15% |
| Maplewood | $3,212 | +11% |
| Passaic | $3,784 | +28% |
| Bergenfield | $2,985 | +4% |
| Leonardo | $2,392 | -18% |
| Changewater | $2,334 | -20% |
| Clementon | $2,768 | -3% |
| Bellmawr | $2,539 | -12% |
| Wyckoff | $2,457 | -15% |
| Oradell | $2,681 | -7% |
| Glasser | $2,350 | -20% |
| Convent Station | $2,329 | -21% |
| Pompton Plains | $2,399 | -18% |
| Wanaque | $2,537 | -12% |
| Mine Hill | $2,349 | -20% |
| Wood Ridge | $2,946 | +3% |
| Union City | $3,660 | +24% |
| Midland Park | $2,479 | -14% |
| Gibbstown | $2,462 | -15% |
| Roseland | $2,741 | -4% |
| Colts Neck | $2,426 | -17% |
| Parlin | $2,803 | -2% |
| Belleville | $3,376 | +16% |
| Tranquility | $2,359 | -19% |
| Bridgeton | $2,653 | -8% |
| Fortescue | $2,652 | -8% |
| Lanoka Harbor | $2,389 | -18% |
| Frenchtown | $2,326 | -21% |
| Hasbrouck Heights | $2,962 | +3% |
| Pemberton | $2,437 | -16% |
| Cologne | $2,705 | -6% |
| Atlantic City | $3,545 | +21% |
| Quakertown | $2,323 | -21% |
| Colonia | $2,838 | -1% |
| Stanhope | $2,371 | -19% |
| Dorchester | $2,654 | -8% |
| Keasbey | $2,852 | -0% |
| Lincoln Park | $2,484 | -14% |
| West Orange | $3,192 | +11% |
| Clark | $2,633 | -8% |
| Stockholm | $2,404 | -17% |
| Gloucester City | $2,536 | -12% |
| Collingswood | $2,422 | -17% |
| Dorothy | $2,679 | -7% |
| Harrington Park | $2,648 | -8% |
| Villas | $2,355 | -19% |
| Cranford | $2,613 | -9% |
| Harrison | $3,384 | +17% |
| Andover | $2,363 | -19% |
| Denville | $2,335 | -20% |
| Lafayette | $2,360 | -19% |
| Rockaway | $2,408 | -17% |
| Absecon | $2,806 | -2% |
| Caldwell | $2,531 | -12% |
| Harrisonville | $2,587 | -10% |
| Mount Laurel | $2,434 | -16% |
| Salem | $2,464 | -15% |
| Verona | $2,735 | -5% |
| Norwood | $2,757 | -4% |
| Cape May Court House | $2,371 | -19% |
| Bayville | $2,467 | -15% |
| South River | $2,651 | -8% |
| Closter | $2,757 | -4% |
| Runnemede | $2,527 | -13% |
| Ocean Grove | $2,530 | -12% |
| Perth Amboy | $3,368 | +16% |
| Millburn | $2,820 | -2% |
| Lincroft | $2,392 | -18% |
| Linwood | $2,677 | -7% |
| Franklinville | $2,747 | -4% |
| Clinton | $2,322 | -21% |
| Ramsey | $2,414 | -17% |
| Wayne | $2,783 | -3% |
| Rochelle Park | $2,889 | +1% |
| Haddon Heights | $2,382 | -18% |
| Buena | $2,748 | -4% |
| Somerville | $2,384 | -18% |
| Union | $3,424 | +18% |
| Riverton | $2,429 | -16% |
| Manahawkin | $2,367 | -19% |
| Vincentown | $2,432 | -16% |
| Brigantine | $2,800 | -2% |
| Monroeville | $2,529 | -12% |
| Pennington | $2,367 | -19% |
| Toms River | $2,474 | -15% |
| Montvale | $2,425 | -17% |
| Red Bank | $2,392 | -18% |
| Oxford | $2,352 | -20% |
| Mendham | $2,350 | -20% |
| Gibbsboro | $2,549 | -12% |
| Landisville | $2,719 | -5% |
| Watchung | $2,645 | -8% |
| Deal | $2,559 | -11% |
| Beach Haven | $2,375 | -19% |
| Cookstown | $2,416 | -17% |
| Carteret | $3,348 | +16% |
| Saddle River | $2,421 | -17% |
| Englewood | $3,277 | +13% |
| Atlantic Highlands | $2,384 | -18% |
| Gillette | $2,318 | -21% |
| Glassboro | $2,584 | -10% |
| Dividing Creek | $2,653 | -8% |
| Monroe Township | $2,615 | -9% |
| Cliffside Park | $3,472 | +19% |
| Linden | $3,477 | +19% |
| Holmdel | $2,428 | -16% |
| Middleville | $2,385 | -18% |
| Atco | $2,711 | -5% |
| Whitehouse | $2,344 | -20% |
| Haskell | $2,508 | -13% |
| Berkeley Heights | $2,374 | -19% |
| Wildwood | $2,331 | -21% |
| Estell Manor | $2,679 | -7% |
| Kingston | $2,436 | -16% |
| Ridgefield Park | $3,095 | +8% |
| Moonachie | $3,066 | +7% |
| Summit | $2,436 | -16% |
| Westville | $2,546 | -12% |
| Brick | $2,474 | -15% |
| Stanton | $2,405 | -17% |
| Budd Lake | $2,355 | -19% |
| Millville | $2,654 | -8% |
| Belle Mead | $2,351 | -20% |
| Bloomsbury | $2,336 | -20% |
| Piscataway | $2,701 | -6% |
| Mount Arlington | $2,355 | -19% |
| Barnegat | $2,367 | -19% |
| Mount Holly | $2,388 | -18% |
| Bernardsville | $2,332 | -20% |
| Clarksboro | $2,488 | -14% |
| Mount Royal | $2,494 | -14% |
| Woodbine | $2,449 | -16% |
| Martinsville | $2,387 | -18% |
| Monmouth Beach | $2,437 | -16% |
| Williamstown | $2,784 | -3% |
| Point Pleasant Beach | $2,255 | -24% |
| Green Village | $2,318 | -21% |
| Voorhees | $2,557 | -11% |
| Imlaystown | $2,430 | -16% |
| Lebanon | $2,335 | -20% |
| Maywood | $2,881 | +1% |
| Elmer | $2,541 | -12% |
| Glenwood | $2,562 | -11% |
| South Hackensack | $3,130 | +9% |
| North Bergen | $3,768 | +27% |
| Howell | $2,564 | -11% |
| Port Norris | $2,653 | -8% |
| Mount Freedom | $2,340 | -20% |
| Pennsville | $2,458 | -15% |
| Sea Girt | $2,200 | -26% |
| Flagtown | $2,482 | -14% |
| Englewood Cliffs | $3,107 | +8% |
| Ledgewood | $2,485 | -14% |
| Raritan | $2,383 | -18% |
| Barrington | $2,507 | -13% |
| Millstone Township | $2,541 | -12% |
| Mountain Lakes | $2,345 | -20% |
| Franklin | $2,551 | -12% |
| East Hanover | $2,503 | -13% |
| Liberty Corner | $2,343 | -20% |
| Chatsworth | $2,439 | -16% |
| Shiloh | $2,655 | -8% |
| Island Heights | $2,442 | -16% |
| Barnegat Light | $2,375 | -19% |
| Fairton | $2,657 | -7% |
| Township Of Washington | $2,480 | -14% |
| Jobstown | $2,433 | -16% |
| Titusville | $2,358 | -19% |
| Richland | $2,787 | -3% |
| Lawrence Township | $2,463 | -15% |
| Nutley | $2,939 | +3% |
| Picatinny Arsenal | $2,356 | -19% |
| Vauxhall | $3,424 | +18% |
| Hazlet | $2,437 | -16% |
| Sewell | $2,572 | -11% |
| Annandale | $2,324 | -21% |
| Merchantville | $2,989 | +4% |
| Egg Harbor Township | $2,795 | -2% |
| Princeton Junction | $2,433 | -16% |
| Forked River | $2,375 | -19% |
| Shrewsbury | $2,384 | -18% |
| Pennsauken | $3,078 | +7% |
| Manville | $2,390 | -18% |
| Lyons | $2,327 | -21% |
| Peapack | $2,349 | -20% |
| East Rutherford | $2,948 | +3% |
| Belvidere | $2,352 | -20% |
| Schooleys Mountain | $2,312 | -21% |
| West Creek | $2,375 | -19% |
| Ocean City | $2,380 | -18% |
| Milltown | $2,691 | -6% |
| Kenilworth | $2,734 | -5% |
| Hopewell | $2,360 | -19% |
| Sewaren | $2,858 | -0% |
| West New York | $3,660 | +24% |
| Glen Ridge | $2,835 | -1% |
| Cedarville | $2,653 | -8% |
| Hillsborough | $2,360 | -19% |
| Hewitt | $2,514 | -13% |
| Waldwick | $2,444 | -16% |
| Cliffwood | $2,673 | -7% |
| Keyport | $2,547 | -12% |
| Rocky Hill | $2,440 | -16% |
| Avon By The Sea | $2,298 | -22% |
| Branchville | $2,438 | -16% |
| Windsor | $2,400 | -18% |
| Livingston | $2,800 | -2% |
| Parsippany | $2,381 | -18% |
| Towaco | $2,459 | -15% |
| Adelphia | $2,558 | -11% |
| Irvington | $3,942 | +32% |
| Montclair | $2,837 | -1% |
| Deepwater | $2,460 | -15% |
| Wallpack Center | $2,399 | -18% |
| Mantua | $2,547 | -12% |
| Waterford Works | $2,725 | -5% |
| Sea Isle City | $2,348 | -20% |
| Metuchen | $2,694 | -6% |
| Woodbridge | $2,846 | -1% |
| Bridgeport | $2,469 | -15% |
| Medford | $2,436 | -16% |
| Oakhurst | $2,447 | -16% |
| Broadway | $2,380 | -18% |
| Cresskill | $2,768 | -3% |
| New Milford | $2,803 | -2% |
| Saddle Brook | $2,894 | +1% |
| Kenvil | $2,348 | -20% |
| Port Murray | $2,360 | -19% |
| Hainesport | $2,403 | -18% |
| Cranbury | $2,538 | -12% |
| South Bound Brook | $2,584 | -10% |
| Fair Lawn | $2,960 | +3% |
| Stockton | $2,323 | -21% |
| Beachwood | $2,453 | -15% |
| Ridgewood | $2,480 | -14% |
| Northvale | $2,665 | -7% |
| Long Branch | $2,535 | -12% |
| Clayton | $2,723 | -5% |
| Plainsboro | $2,476 | -15% |
| Fords | $2,834 | -1% |
| Eatontown | $2,392 | -18% |
| Millington | $2,318 | -21% |
| Marmora | $2,371 | -19% |
| Rosemont | $2,323 | -21% |
| Dayton | $2,519 | -13% |
| Hampton | $2,326 | -21% |
| South Amboy | $2,735 | -5% |
| Lake Hiawatha | $2,382 | -18% |
| Stirling | $2,326 | -21% |
| Manasquan | $2,200 | -26% |
| North Brunswick | $2,806 | -2% |
| Tuckahoe | $2,371 | -19% |
| Neshanic Station | $2,353 | -20% |
| Essex Fells | $2,814 | -2% |
| Newfield | $2,738 | -4% |
| Lakewood | $2,961 | +3% |
| Newfoundland | $2,484 | -14% |
| Palisades Park | $3,466 | +19% |
| Middletown | $2,392 | -18% |
| Ocean View | $2,350 | -20% |
| Malaga | $2,747 | -4% |
| Port Elizabeth | $2,654 | -8% |
| Monmouth Junction | $2,534 | -12% |
| Longport | $2,752 | -4% |
| Waretown | $2,420 | -17% |
| Milford | $2,326 | -21% |
| Highland Park | $2,722 | -5% |
| Bloomfield | $3,230 | +12% |
| Pine Brook | $2,453 | -15% |
| Rutherford | $2,959 | +3% |
| Oceanport | $2,417 | -17% |
| Berlin | $2,755 | -4% |
| New Lisbon | $2,453 | -15% |
| Cape May | $2,331 | -21% |
| Somers Point | $2,722 | -5% |
| Ringwood | $2,502 | -13% |
| Freehold | $2,564 | -11% |
| Spring Lake | $2,234 | -25% |
| Norma | $2,616 | -9% |
| Pittstown | $2,323 | -21% |
| Tennent | $2,453 | -15% |
| Great Meadows | $2,360 | -19% |
| Audubon | $2,412 | -17% |
| Little Silver | $2,384 | -18% |
| Glendora | $2,518 | -13% |
| Juliustown | $2,433 | -16% |
| Penns Grove | $2,458 | -15% |
| Sicklerville | $2,787 | -3% |
| Oaklyn | $2,522 | -13% |
| Cedar Grove | $2,690 | -6% |
| Port Reading | $2,845 | -1% |
| Palmyra | $2,470 | -15% |
| Heislerville | $2,654 | -8% |
| Sergeantsville | $2,323 | -21% |
| Allenwood | $2,257 | -24% |
| Middlesex | $2,570 | -11% |
| Boonton | $2,352 | -20% |
| Marlboro | $2,625 | -9% |
| Flanders | $2,348 | -20% |
| Far Hills | $2,356 | -19% |
| Northfield | $2,809 | -2% |
| Deerfield Street | $2,704 | -6% |
| Phillipsburg | $2,359 | -19% |
| Layton | $2,359 | -19% |
| Pine Beach | $2,453 | -15% |
| Blairstown | $2,352 | -20% |
| Sparta | $2,389 | -18% |
| Strathmere | $2,371 | -19% |
| Hightstown | $2,421 | -17% |
| Keansburg | $2,529 | -12% |
| Elmwood Park | $3,237 | +12% |
| West Milford | $2,505 | -13% |
| Tenafly | $2,775 | -3% |
| Rumson | $2,424 | -17% |
| Lake Hopatcong | $2,370 | -19% |
| South Seaville | $2,414 | -17% |
| Lyndhurst | $2,932 | +2% |
| Allenhurst | $2,559 | -11% |
| Newport | $2,653 | -8% |
| Mantoloking | $2,255 | -24% |
| Ewan | $2,542 | -12% |
| Maple Shade | $2,495 | -14% |
| Montville | $2,453 | -15% |
| River Edge | $2,796 | -2% |
| Hackettstown | $2,363 | -19% |
| Allentown | $2,388 | -18% |
| Baptistown | $2,326 | -21% |
| Sussex | $2,530 | -12% |
| Succasunna | $2,348 | -20% |
| Springfield | $2,755 | -4% |
| Allendale | $2,446 | -16% |
| Columbia | $2,352 | -20% |
| Vienna | $2,368 | -19% |
| Pottersville | $2,328 | -21% |
| Columbus | $2,397 | -18% |
| Roosevelt | $2,476 | -15% |
| Morganville | $2,625 | -9% |
| Wickatunk | $2,498 | -14% |
| Moorestown | $2,386 | -18% |
| Somerdale | $2,502 | -13% |
| Egg Harbor City | $2,806 | -2% |
| Lakehurst | $2,470 | -15% |
| New Providence | $2,403 | -18% |
| West Deptford | $2,528 | -12% |
| Flemington | $2,335 | -20% |
| Sayreville | $2,763 | -4% |
| Pequannock | $2,425 | -17% |
| New Vernon | $2,316 | -21% |
| Whitehouse Station | $2,337 | -20% |
| Woodstown | $2,507 | -13% |
| Roselle Park | $3,198 | +11% |
| Long Valley | $2,319 | -21% |
| Pleasantville | $2,810 | -2% |
| Wrightstown | $2,386 | -18% |
| Three Bridges | $2,332 | -20% |
| Riverdale | $2,402 | -18% |
| Haworth | $2,653 | -8% |
| Bedminster | $2,361 | -19% |
| Jackson | $2,650 | -8% |
| Seaside Heights | $2,435 | -16% |
| Elizabethport | $3,770 | +27% |
| Neptune | $2,557 | -11% |
| Swartswood | $2,353 | -20% |
| Grenloch | $2,581 | -10% |
| Blawenburg | $2,357 | -19% |
| Bound Brook | $2,565 | -11% |
| Franklin Lakes | $2,470 | -15% |
| Oakland | $2,507 | -13% |
| Ventnor City | $2,809 | -2% |
| Rahway | $3,385 | +17% |
| Fanwood | $2,658 | -7% |
| Short Hills | $2,820 | -2% |
| Brielle | $2,200 | -26% |
| Hamburg | $2,551 | -12% |
| Lawnside | $2,537 | -12% |
| Stratford | $2,502 | -13% |
| Swedesboro | $2,469 | -15% |
| Woodbury Heights | $2,538 | -12% |
| Seaside Park | $2,435 | -16% |
| Oldwick | $2,391 | -18% |
| Little York | $2,339 | -20% |
| Vernon | $2,562 | -11% |
| Ridgefield | $3,466 | +19% |
| Bradley Beach | $2,530 | -12% |
| Lambertville | $2,335 | -20% |
| Fort Monmouth | $2,384 | -18% |
| Thorofare | $2,521 | -13% |
| Port Republic | $2,375 | -19% |
| Minotola | $2,751 | -4% |
| Bordentown | $2,384 | -18% |
| Cedar Brook | $2,677 | -7% |
| Hillsdale | $2,490 | -14% |
| Ringoes | $2,323 | -21% |
| Pompton Lakes | $2,542 | -12% |
| Califon | $2,321 | -21% |
| Netcong | $2,348 | -20% |
| Lumberton | $2,388 | -18% |
| Bridgewater | $2,393 | -18% |
| Kendall Park | $2,534 | -12% |
| Ogdensburg | $2,551 | -12% |
| Pitman | $2,507 | -13% |
| Milmay | $2,680 | -7% |
| Franklin Park | $2,706 | -6% |
| Old Bridge | $2,770 | -3% |
| Haddonfield | $2,382 | -18% |
| Oak Ridge | $2,418 | -17% |
| Belford | $2,392 | -18% |
| Montague | $2,520 | -13% |
| Burlington | $2,429 | -16% |
| Mays Landing | $2,806 | -2% |
| Bloomingdale | $2,496 | -14% |
| Little Falls | $2,880 | +1% |
| Chatham | $2,322 | -21% |
| Greenwich | $2,501 | -14% |
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Methodology
Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
