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How to Understand New Jersey Auto Insurance Quotes


New Jersey auto insurance quotes are the second-highest in the nation behind just D.C. In 2007, the annual premium costs averaged $1,104, according to a December 2009 report from the National Association of Insurance Commissioners. At nearly $100 a month, many Garden State drivers struggle to stay current on their auto insurance premiums, especially in light of ever-rising gas prices and auto repairs.

New Jersey Auto Insurance: Cost Trends and Saving Money

Still, it’s not all bad news. First, as expensive as it remains, New Jersey auto insurance is considerably lower than it once was. The recent high point for auto insurance in New Jersey occurred in 2004, when the average annual premium costs were a whopping $1,221. Plus, state averages aren’t nearly as predictive of your individual New Jersey auto insurance quotes as your personal history and driving record. If you have a clean record, a solidly-rated vehicle, and qualify for other low-risk discounts, you can still find quotes that are surprisingly easy to stomach. Of course, unfortunately, that means other, less coveted drivers bear even more of the financial pain.

New Jersey Auto Insurance: Choice No Fault

If it’s been a while since you last reviewed your auto insurance policy, you may have heard about no-fault auto insurance, but you may not fully understand the choice that comes with it in the state of New Jersey. No-fault insurance simply means that you can’t sue or be sued for minor damages that result from a car accident.

  • Qualitative No-Fault Insurance in New Jersey. So what constitutes major damage that will allow you to seek legal redress? Other states use a monetary threshold to trigger legal action, typically claims over $1,000. In New Jersey, the qualitative threshold refers to death and permanent disabilities and/or disfigurement as the necessary damage.

If you don’t like what you hear, you can opt out of the no-fault system and enter the traditional tort system. You still won’t be able to sue someone in the no-fault system, nor will they be able to sue you, but you may not need the same level of personal injury protection to insure you against uninsured drivers.

New Jersey Auto Insurance Quotes: State Requirements and Policies

There are two primary auto insurance policies in New Jersey:

  • Basic Policy
    Property Damage Liability: $5,000 Limit
    Personal Injury Protection: $15,000 (per person)/$30,000 (per accident)/$250,000 (permanent injury) Limit
  • Standard Policy
    Basic Policy Coverage plus:
    Bodily Injury Liability: $15,000 (per person)/$30,000 (per accident) Limit
    Uninsured/Underinsured Motorist Bodily Injury: $15,000/$30,000 Limit
    Uninsured Motorist Property Damage: $5,000 Limit

New Jersey Auto Insurance Quotes

With the high cost of auto insurance in New Jersey comes greater pressure to find the lowest available quotes. The numerous combinations of data points including age, driving record, and personal history mean that different insurance companies will offer the cheapest premiums to different individuals. Thus, the only way to guarantee the lowest price is to get quotes from many different companies. This is where NetQuote can help. Fill out a simple online form and let us do the hard work of finding these companies for you. We give you no excuse to delay finding the best auto insurance for you.

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