Top Auto Insurance Companies In New Jersey

New Jersey's car insurance market is highly competitive, with over 6.6 million licensed drivers in the state. The best car insurance companies in New Jersey include Geico, State Farm, Travelers, NJM, and Selective. These companies offer strong AM Best financial strength ratings and J.D. Power customer satisfaction scores, as well as a variety of coverage options and discounts.

The average annual premium for car insurance in New Jersey is $2,412 for full coverage and $984 for a minimum coverage policy. The cost of car insurance in New Jersey is higher than the national average due to the high number of urban areas, which tend to have elevated rates due to increased accident frequency and severity.

When choosing a car insurance company in New Jersey, it is important to consider factors such as customer satisfaction, coverage options, discounts, and financial stability. It is also essential to ensure that the company offers the minimum coverage required by the state, which includes liability insurance and personal injury protection.

Some companies may offer additional benefits, such as accident forgiveness, gap coverage, and rideshare insurance. It is worth comparing quotes from multiple companies and considering your specific needs and preferences to find the best car insurance in New Jersey for your situation.

Best for Customer Service: Amica Mutual

Amica Mutual is a great choice for auto insurance in New Jersey, especially if you're looking for excellent customer service. Amica's award-winning customer service representatives are available 24/7 to help you with any queries or concerns you may have. Their website also offers a live chat feature, so you can get assistance without having to make a phone call.

In addition to its stellar customer service, Amica Mutual also offers tailored coverage and a range of discounts to help you save money on your auto insurance. They provide coverage for various scenarios, including accidents, claims, and moving violations. You can also take advantage of bundling discounts by insuring your home and auto with them.

Amica Mutual is known for its superior service, with a focus on protecting you and your family on the road. Their representatives are dedicated to helping you select the coverage that's right for your unique needs. With Amica Mutual, you can rest assured that you're in good hands.

When it comes to auto insurance in New Jersey, Amica Mutual stands out for its commitment to providing exceptional customer service, a range of coverage options, and valuable discounts, making it a top choice for residents in the Garden State.

Best for Military Background: Amica Mutual

Amica Mutual Insurance is a great option for those with a military background. Amica offers two types of homeowners insurance policies: HO3 and HO5. The primary difference between these two policies is that an HO5 policy provides broader coverage for personal property. Amica's home insureds also have access to Contractor Connection, an exclusive service that helps policyholders find licensed contractors who warranty their work for home repairs.

Amica also provides auto insurance. The company has award-winning customer service representatives available 24/7. Amica's auto insurance covers damage to your vehicle, damage to other vehicles or property, injuries to other people, and medical bills for people accidentally hurt in your car. In addition, Amica offers bundling discounts and has a strong financial standing, so customers don't have to worry about future claims going unpaid.

Best for Young Adults: Amica Mutual

Amica Mutual Insurance is a great option for young adults looking for auto insurance in New Jersey. Amica offers two types of homeowners insurance policies: HO3 and HO5. The primary difference between these two policies is that HO5 provides broader coverage for your personal property. Amica's home insureds also have access to Contractor Connection, their exclusive service to help find licensed contractors that warranty their work for five years for home repairs.

Amica also offers bundling discounts and has award-winning customer service. In fact, 98% of customers with auto, home, and umbrella insurance stay with Amica year after year. Amica was also awarded "Highest Customer Satisfaction Among National Homeowner Insurers, 17 Years in a Row."

In addition to homeowners insurance, Amica offers auto and life insurance. With Amica, you can feel confident that you have insurance built on empathy. They go above and beyond to help you find the right coverage and pair it with world-class service. At every step, their insurance comes with compassion. They'll explain all your coverage options and explore discounts as you choose the best protection for what matters most.

With Amica, you can also take advantage of their exclusive partnership with the Boston Celtics. Amica will be the Exclusive Auto, Home, and Life Insurance Partner of the Boston Celtics beginning in the 2024-2025 season.

If you're a young adult looking for auto insurance in New Jersey, Amica Mutual Insurance is a great option to consider. With their broad coverage options, exclusive partnerships, and award-winning customer service, you can feel confident in choosing Amica as your insurance provider.

Best for Those with Driving Offences: Amica Mutual

Amica Mutual is one of the best auto insurance companies in New Jersey, especially for those with driving offences. The company offers a range of coverage options to protect you, your car, and others on the road.

Amica's coverage options include medical payments, personal injury protection, bodily injury liability, property damage liability, uninsured/underinsured motorist bodily injury, and uninsured/underinsured property damage. These coverages will help pay for necessary medical bills, lost wages, and damage to your vehicle or someone else's property in the event of an accident.

In addition to the standard coverages, Amica also offers optional add-ons such as loan/lease gap insurance, rental car coverage, roadside assistance, new car replacement, and accident forgiveness. Their Platinum Choice Auto package includes premium features such as glass repair or replacement without a deductible, credit monitoring service, and prestige rental coverage.

Amica also offers 24/7 roadside assistance and claims reporting, as well as live chat and phone support during extended business hours. Their representatives are award-winning and known for providing superior service.

When it comes to cost, Amica offers many discounts that can lower the overall price of your auto insurance. While the exact quotes will depend on individual factors, Amica's coverage options, discounts, and customer service make it a strong choice for drivers in New Jersey, especially those with driving offences.

Best for Minimum Coverage: NJM Insurance Co

NJM Insurance Co. is a great option for those seeking minimum coverage in New Jersey. The company has been in business for over a century and has an A+ rating from AM Best, indicating excellent financial health and the ability to pay claims.

NJM Insurance offers standard car insurance coverages, as well as transportation-expense coverage and roadside assistance. The company serves customers in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania.

NJM Insurance is also a good option for drivers with an accident on their record, as it offers lower-than-average rates for this demographic. However, as a smaller company, NJM's digital tools and online options are limited compared to larger competitors.

In the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, NJM ranked third for overall customer satisfaction. The company was also certified by J.D. Power for providing an exceptional Auto Claims Experience for six years in a row.

NJM Insurance is headquartered in West Trenton, New Jersey, and was originally known as New Jersey Manufacturers Casualty Insurance Company. The company was founded in 1913, two years after New Jersey passed the Workmen's Compensation Act, which required employers to carry insurance coverage for injured workers.

Today, NJM Insurance provides auto, homeowners, renters, condo, and umbrella insurance, in addition to commercial insurance options. The company has been recognized for its commitment to customer satisfaction and has received numerous awards for its Teen Driver Safety Programs.

Overall, NJM Insurance is a strong choice for those seeking minimum coverage in New Jersey, particularly for drivers with an accident on their record.

Frequently asked questions