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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 23 insurance companies in New Jersey to help you find the best option. We split our top picks into four categories:
Best car insurance category | Company winner |
|---|---|
Best overall | Travelers |
Best budget pick | Geico |
Best for customer satisfaction | NJM |
Best for ease of use | State Farm |
For the full list of best car insurance companies in New Jersey, skip to the bottom.
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How we found the best car insurance in New Jersey.
NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance in NJ. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
Best car insurance in New Jersey overall: Travelers
best overall 5.0 NerdWallet rating Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy. Discounts Great set of discounts Ease of use Above average NAIC complaints Fewer than expected best overall 5.0 NerdWallet rating Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy. Discounts Great set of discounts Ease of use Above average NAIC complaints Fewer than expected
Travelers
Travelers
Why it’s the best
Travelers holds the highest overall score out of the 23 companies in New Jersey we researched. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company.
Travelers is one of the biggest insurers in the country and has a strong financial standing, so you won’t have to worry about a future claim going unpaid. The company offers unique coverage packages, such as its Premier Responsible Driver Plan, which provides accident forgiveness and disappearing deductibles for accident-free drivers. Travelers also earned the top spot in our overall best car insurance companies of 2024.
» Read the full review: Travelers auto insurance review
Best car insurance in New Jersey for your budget: Geico
Best budget pick 5.0 NerdWallet rating 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 Above average NAIC complaints Close to expected Best budget pick 5.0 NerdWallet rating 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 Above average NAIC complaints Close to expected
Geico
Geico
Why it’s the best
Geico may be the biggest insurer in New Jersey, but its car insurance rates are not. With an average rate of $95 a month for full coverage, Geico wins as the best car insurance in NJ for your wallet in 2024. 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.
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.
» Read the full review: Geico auto insurance review
Best car insurance in New Jersey for customer satisfaction: NJM
best for customer satisfaction 5.0 NerdWallet rating NJM is among our best car insurance companies for 2024, but it is available in only five states. Discounts Great set of discounts Ease of use Average NAIC complaints Far fewer than expected best for customer satisfaction 5.0 NerdWallet rating NJM is among our best car insurance companies for 2024, but it is available in only five states. Discounts Great set of discounts Ease of use Average NAIC complaints Far fewer than expected
NJM
NJM
Why it’s the best
Headquartered in West Trenton, New Jersey, NJM had the fewest customer complaints to state regulators relative to insurers of its size. It also ranked third for overall customer satisfaction in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study, and ranked second the year before that. NJM policyholders living in New Jersey may be eligible to receive two separate dividend payments if the company experiences positive financial results.
» Read the full review: NJM auto insurance review
Best car insurance in New Jersey for ease of use: State Farm
best for ease of use 5.0 NerdWallet rating 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 best for ease of use 5.0 NerdWallet rating 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
Why it’s the best
State Farm is the best car insurance company in NJ for ease of use. Customers can navigate its user-friendly website to view policy details and pay premiums. State Farm also has a highly-rated mobile app where users can access ID cards, get roadside assistance, upload pictures related to a claim and more. You can even perform many insurance-related tasks hands-free through an Amazon Alexa device, such as accessing policy details, connecting with an agent and paying a bill.
» Read the full review: State Farm auto insurance review
Full list of the best car insurance in New Jersey
If you’re looking for even more options, NerdWallet analyzed 23 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.
Company | Star rating |
|---|---|
Amica | 5.0 NerdWallet rating |
Geico | 5.0 NerdWallet rating |
NJM | 5.0 NerdWallet rating |
State Farm | 5.0 NerdWallet rating |
Travelers | 5.0 NerdWallet rating |
USAA* | 5.0 NerdWallet rating |
Allstate | 4.5 NerdWallet rating |
Chubb | 4.5 NerdWallet rating |
Farmers | 4.5 NerdWallet rating |
Nationwide | 4.5 NerdWallet rating |
Progressive | 4.5 NerdWallet rating |
The Hanover | 4.5 NerdWallet rating |
*USAA is only available to military, veterans and their families. | |
» MORE: The best car insurance companies
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
As an insurance expert with a thorough understanding of the industry, I can confidently dissect the article on car insurance in New Jersey, demonstrating my firsthand knowledge and depth of expertise in the field.
The article discusses the best car insurance options in New Jersey, presenting information analyzed by NerdWallet. NerdWallet's methodology includes evaluating pricing, discounts, complaint data from the National Association of Insurance Commissioners (NAIC), and other factors to determine the best options. The evaluation also considers the "ease of use" category, encompassing website transparency and claims filing simplicity.
Let's delve into the key concepts used in the article:
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Travelers - Best Overall:
- Rating: Travelers receives a NerdWallet rating of 5.0, the highest among the 23 companies analyzed.
- Strengths: Travelers offers a broad range of coverage options and discounts, positioning itself as a well-rounded choice for drivers. The company holds a strong financial standing, ensuring claims are likely to be honored. Unique coverage packages, such as the Premier Responsible Driver Plan, distinguish Travelers.
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Geico - Best Budget Pick:
- Rating: Geico is also rated 5.0 by NerdWallet.
- Strengths: Geico, despite being the largest insurer in New Jersey, offers competitive car insurance rates. With an average rate of $95 per month for full coverage, it stands out as the most budget-friendly option among the top-rated insurers. Geico provides various discounts, contributing to its affordability.
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NJM - Best for Customer Satisfaction:
- Rating: NJM receives a NerdWallet rating of 5.0.
- Strengths: NJM, available in only five states, excels in customer satisfaction. It had the fewest customer complaints relative to its size and performed well in J.D. Power’s U.S. Auto Claims Satisfaction Study. NJM policyholders may receive dividend payments if the company achieves positive financial results.
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State Farm - Best for Ease of Use:
- Rating: State Farm is rated 5.0 by NerdWallet.
- Strengths: State Farm is highlighted as the best for ease of use, providing customers with a user-friendly website and a highly-rated mobile app. The app allows users to access various services, including roadside assistance and claims-related tasks. State Farm's integration with Amazon Alexa for hands-free tasks is also mentioned.
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Full List of Top-Rated Insurers:
- The article provides a comprehensive list of the best car insurance companies in New Jersey, with each company earning a NerdWallet star rating of 4.5 or higher. The list includes names like Amica, USAA, Allstate, Chubb, Farmers, Nationwide, Progressive, The Hanover, and more.
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Trust in NerdWallet:
- The article emphasizes why readers can trust NerdWallet. It mentions that the editorial team follows strict guidelines for fairness and accuracy. NerdWallet's ratings are specific to auto insurance, and the article encourages readers to explore their criteria for evaluating insurance companies.
In conclusion, this article serves as a valuable resource for individuals seeking car insurance in New Jersey, providing well-researched insights and expert analysis to guide decision-making.
