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Car Insurance Quotes NJ, NY, CT and Beyond
This page reveals the latest available information on car insurance premiums in the state of New Jersey. Scroll down for handy tips on choosing the right auto insurance package at the lowest possible rates.
Minimum Liability Coverage Required in New Jersey
The minimum amount of auto insurance required in New Jersey is $15,000 in Personal Injury Protection, $30,000 against death or injury to others, and $5,000 to cover the cost of physical property damage. Insurance agents call it 15/30/5.
Penalties for Uninsured Drivers in New Jersey
The first time a New Jersey driver is caught operating an uninsured vehicle, the penalty is a fine of up to a thousand dollars, in addition to about 40 hours of community service and a suspended license for one year. Repeat offenders face two weeks in jail, two years of a suspended license, fines as high as $5,000, and thirty days of community service.
Average Car Insurance Quotes NJ
The Average Annual Auto Insurance Premium last year in New Jersey was just under $1,700, quite a bit higher than the national average, which was just over $1,500 during the same time period.
According to analysts at Top50States.com, New Jersey's relatively high average car insurance premiums result from the fact that New Jersey has the highest population density of any U.S. state. Many drivers close together is the standard recipe for an accident.
Annual rates in New Jersey are further affected by the sheer volume of statewide insurance carriers, and the effect of state laws like the “No-Fault” law. Numerous available carriers bring down the premiums, while No-Fault laws are known to drive up the cost of car insurance.It takes a professional actuary to iron out all the details.
Discounts on New Jersey Car Insurance
Here's one easy way YOU can get low cost auto insurance in New Jersey. Get a driver's license and don't use it for three years. Use public transportation instead. Your perfect driving record will earn you many discounts, like the Accident-Free Discount for avoiding accidents, and the Good Driver Discount for avoiding moving violations. These discounts can reduce your premiums by as much as 30 percent.
Other auto insurance discounts available in New Jersey include Good Student discounts, Defensive Driving Course discounts, Vehicle Safety discounts, Passive Restraint discounts, Multiple Policy discounts and Multiple Auto discounts, just to name a few.
According to recent consumer reports, drivers in the state of New Jersey seeking car insurance favor Allstate, Geico, Liberty Mutual, The Hartford, State Farm and 21st Century Insurance.
At the same time, some New Jersey car owners prefer local carriers like AIS, Mercer or Franklin.
five free quotes online. Then call a few local agents, ask about their
discount programs, and compare quotes. Then pick the cheapest plan, if
saving money is your goal.
New Jersey has nearly forty carriers offering auto insurance at competitive rates. No matter which carrier you choose, go for every discount you can get.
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