Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Yearshttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/autoinsuranceez-live/2020/03/92dadfeb-rachael-brennan.jpg

UPDATED: Mar 13, 2020

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New Jersey Statistics SummaryDetails
Road MilesMiles Driven: 75,393 millions
Miles of Roadway: 39,065
VehiclesRegistered: 5,786,113
Thefts: 11,778
Population8,960,001
Most Popular Vehicle in New JerseyHonda CR-V
Uninsured%/Underinsured%14.90%
Total Driving Related DeathsSpeeding-Related Fatalities: 120
DUI Fatalities: 125
Full Coverage Average Premiums (Annual)Liability: $869.57
Collision: $381.86
Comprehensive: $131.35
Full Coverage: $1,382.79
Cheapest ProviderGeico
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New Jersey is the most densely populated state in the United States. Over nine million people call New Jersey there home.

If you are a native from New Jersey than you share that with the likes of Jack Nicholson, Judy Blume, Whitney Houston, Frank Sinatra, Bruce Springsteen, Grover Cleveland, and Aaron Burr.

New Jersey holds the title for the longest boardwalk and the first baseball game played in Hoboken. An unfortunate title New Jersey holds is the title of most cars stolen. More cars are stolen in Jew Jersey than Los Angelos and New York City combined.

Yikes, that’s a lot of stolen cars. We will dig into those details a little later and tell you which car is the most popular in the eyes of a car thief and where most of the cars are being stolen.

Don’t worry, it won’t be all bad! We are going to sift through the research and help you with all your New Jersey auto insurance needs.

Finding the right insurance and understand how it works can be tough, and we are going to help you out with it.

Looking for cheap car insurance in New Jersey? If you are living in Newark, Jersey City, Paterson, Elizabeth, or Edison, you can find up to nine rate quotes from first-rate insurers in your area through AutoInsuranceEZ.com.

We make it so easy, you can even get a quote by entering your zip code above.

Table of Contents

New Jersey Car Insurance Coverage and Rates

New Jersey is the most expensive state for car insurance. But why?

Due to the density of the state, that leads to more accidents. Drivers also tend to buy more expensive cars since there is a lot of wealth in the state. New Jersey is a high-commuter state, so more drivers are on the road for longer periods of time.

Insurance carriers in New Jersey also have strict personal injury protection guidelines to ensure no one is left liable in an accident where injuries occur.

We are going to to take a look at New Jersey insurance companies, what type of coverages are available, and where the cheapest insurance is in the state.

New Jersey’s Car Culture

New Jersey is known for the number of commuters living in New Jersey. New Jersey drivers hold the second highest percentage on the list for longest commutes. Most commuters drive to New York or Pennsylvania.

Not everyone commutes though. New Jersey, only behind New York, leads the states for most used public transportation.

If you do own a car, how much insurance is required by law? We are hitting that topic next!

New Jersey Minimum Coverage

Car insurance is required for all drivers in the state in New Jersey.

RequirementStandard PolicyBasic Policy
Personal Injury Liability$15,000 per person/$30,000 per accidentOptional coverage of $10,000/accident
Property Damage Liability$5,000 per accident$5,000 per accident
Personal Injury Protection (PIP)$15,000 per accident

Up to $250,000 for specific injuries
$15,000 per person/$30,000 per accident
Up to $250,000 for specific injuries
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You can purchase two types of insurance policies in New Jersey, basic or standard. A basic policy is substantially cheaper than a standard policy.

Forms of Financial Responsibility

Per the New Jersey Motor Vehicle Commission:

“Your insurance company must issue you a paper or electronic New Jersey Insurance Identification Card for each vehicle under your policy. N.J.S.A. 39:3-29. Pursuant to N.J.S.A. 39:3-29.1 and N.J.A.C. 11:3-6.1 – 6.5, New Jersey insurance identification cards must meet the following specifications:

  • The dimensions of the paper card must be between three inches by five inches and five and a half inches by eight and a half inches;
  • The white cardstock must be at least 20 lbs in weight; and
  • The front of the card must contain the insurance company’s name, the insured’s name and address, the policy number, effective date, expiration date, vehicle description (make, model and VIN), the  heading “State  of New Jersey Insurance Identification  Card,”  the  insurance company code, and the name and address of the insurance company or the office or agency issuing the identification card. The reverse of the card shall include the address established by the insurer for the filing of notification of the commencement of medical treatment by treating medical providers.

In New Jersey, the insurance identification card may be displayed or provided in either paper or electronic form.  For these purposes, “electronic form” means the display of images on an electronic device, such as a cellular telephone, tablet or computer.  Paper insurance card specifications have not changed.

You must keep the card in the vehicle, or be able to produce the electronic format:

  • Before an inspection.
  • When involved in an accident.
  • When stopped for a traffic violation.
  • When you are stopped in a spot check by a police officer.

Failure to present the card or electronic form may result in fines.

Driving an uninsured vehicle may result in fines, community service, license suspension, and insurance surcharges.”

You, as the driver and/or car owner, are responsible for showing proof of your financial responsibility.

Premiums as a Percentage of Income

So how much is this insurance going to take for your income? New Jersey hovers around under three percent of your annual income.

Details201220132014
Full Coverage Premiums (Annual)$1,334.59$1,369.70$1,379.20
Personal Disposable Income (Annual)$48,569$47,972$49,983
Percentage of Income2.75%2.86%2.76%
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To get a more exact calculation, you can check out this tool.

 

CalculatorPro

Core Coverage

 New JerseyCountrywide
Liability$869.57$538.73
Collision$381.86$322.61
Comprehensive$131.35$148.04
Full Coverage$1,382.79$1,009.38
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We already mentioned earlier, New Jersey is the most expensive state for car insurance. The above table shows a breakdown of core coverages and the cost versus the cost countrywide.

Let’s explain some of the core coverages listed above.

  • Liability coverage is divided into two types of liability coverages which are bodily injury and property damage for which you are held liable.
  • Collision and comprehensive coverage are additional coverages to pay no matter the fault and can cover windshield damage, collision with animals, hit and runs, weather, and theft.
  • Full Coverage is the combination of three coverages listed above and in some cases additional coverages depending on the insurance carrier.

Additional Liability

Additional Liability can include personal injury protection, medical payments, and uninsured/underinsured motorist coverage.

Personal injury protection is a required coverage in New Jersey. This coverage is used for any medical expenses that result from a car accident for you or any passengers in your vehicle. This also includes if you were struck while cycling or a pedestrian.

Medical payments are similar to personal injury protection, but the coverage is optional.

Uninsured/underinsured motorist coverage is a required coverage in the state of New Jersey. This coverage is used for when you are in an accident involving someone with not enough or no insurance coverage.

Loss Ratio201520142013
Personal Injury Protection75.78%70.93%72.98%
Medical Payments80.04%58.30%66.79%
Uninsured/Underinsured Motorist56.23%57.29%68.54%
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The table above shows the loss ratio for these listed liability coverages. Loss ratio is the ratio of claims payments to premium payments.

So, for example, if a customer pays $1000 for premium and the company pays out a $700 claim then the loss ratio would be seventy percent.

Therefore, if the loss ratio is over one hundred percent the company is not making money and spending more on claims than what it is bringing in. The reverse would show a company does not pay out for claims.

Add-ons, Endorsements, and Riders

– Demographic Rates – Male vs. Female vs. Age

So who pays more for insurance? I think most people know the younger you are the more expensive your insurance is going to be.

Male versus female can be close. Depending on the age and company, it can be a toss-up for who pays more.

Insurance CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate NJ P&C$3,436.75$3,420.45$3,335.46$3,335.46$10,796.36$13,185.02$4,043.02$4,156.11
Foremost Ins Grand Rapids$4,830.46$4,873.04$4,699.01$4,594.07$14,124.39$16,232.62$5,737.03$5,845.35
Geico Govt Employees$2,243.42$2,201.66$2,188.45$2,188.45$4,064.28$4,063.96$2,576.09$2,513.20
Liberty Mutual Fire$4,480.25$4,480.25$4,919.44$4,919.44$11,601.57$13,165.70$4,919.44$5,646.81
Prog Garden State Ins Co$2,040.52$1,885.91$1,841.28$1,894.85$9,241.04$10,160.06$2,412.68$2,305.40
State Farm Ind$4,392.28$4,392.28$3,976.24$3,976.24$14,395.61$18,483.25$5,007.86$5,593.47
St Paul Protective Ins Co$3,221.64$3,123.67$2,982.74$3,008.62$7,272.20$8,195.88$3,130.99$3,100.17
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– Cheapest Rates by Zip Code

Which zip codes have the cheapest premium? Take a search and see where your zip code falls on the list.

Cheapest ZIP Codes in New JerseyCityAverage by ZIP CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
07926BROOKSIDE$4,592.17State Farm$6,156.55Farmers$6,106.07GEICO$2,387.77Progressive$3,160.07
07046MOUNTAIN LAKES$4,600.78State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
07961MORRISTOWN$4,613.10State Farm$6,156.55Farmers$6,106.07GEICO$2,543.78Progressive$3,160.07
07834DENVILLE$4,613.63State Farm$6,573.25Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
07878MOUNT TABOR$4,613.63State Farm$6,573.25Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
07960MORRISTOWN$4,614.46State Farm$6,156.55Farmers$6,106.07GEICO$2,543.78Progressive$3,160.07
07927CEDAR KNOLLS$4,616.88State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
07950MORRIS PLAINS$4,616.88State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
07981WHIPPANY$4,616.88State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
07999WHIPPANY$4,616.88State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
07869RANDOLPH$4,618.98State Farm$6,573.25Farmers$6,106.07GEICO$2,543.78Progressive$3,160.07
07828BUDD LAKE$4,624.77Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
07457RIVERDALE$4,630.08State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
07837GLASSER$4,641.98Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
07850LANDING$4,649.92Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
07857NETCONG$4,649.92Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
07979POTTERSVILLE$4,660.24Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
07005BOONTON$4,660.30State Farm$6,573.25Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
07405BUTLER$4,664.98State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
07843HOPATCONG$4,667.86Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
07874STANHOPE$4,667.86Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
07831CHANGEWATER$4,678.80Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
08801ANNANDALE$4,678.80Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
08802ASBURY$4,678.80Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
08803BAPTISTOWN$4,678.80Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
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07926 in Brookside has the cheapest car insurance rate in New Jersey.

Most Expensive ZIP Codes in New JerseyCityAverage by ZIP CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
07102NEWARK$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
07103NEWARK$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
07104NEWARK$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
07105NEWARK$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
07106NEWARK$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
07107NEWARK$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
07108NEWARK$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
07111IRVINGTON$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
07112NEWARK$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
07114NEWARK$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
07017EAST ORANGE$8,384.68Farmers$12,685.99State Farm$11,824.45GEICO$4,150.14Travelers$5,980.16
07018EAST ORANGE$8,384.68Farmers$12,685.99State Farm$11,824.45GEICO$4,150.14Travelers$5,980.16
07050ORANGE$8,384.68Farmers$12,685.99State Farm$11,824.45GEICO$4,150.14Travelers$5,980.16
07055PASSAIC$8,293.86Farmers$12,398.77State Farm$10,907.42GEICO$3,948.66Travelers$6,212.33
07201ELIZABETH$8,277.10Farmers$12,283.07State Farm$11,789.64GEICO$3,798.87Travelers$6,107.40
07202ELIZABETH$8,277.10Farmers$12,283.07State Farm$11,789.64GEICO$3,798.87Travelers$6,107.40
07206ELIZABETHPORT$8,277.10Farmers$12,283.07State Farm$11,789.64GEICO$3,798.87Travelers$6,107.40
07208ELIZABETH$8,277.10Farmers$12,283.07State Farm$11,789.64GEICO$3,798.87Travelers$6,107.40
07501PATERSON$8,254.80Farmers$12,394.50State Farm$11,353.01GEICO$3,909.34Travelers$6,120.50
07502PATERSON$8,254.80Farmers$12,394.50State Farm$11,353.01GEICO$3,909.34Travelers$6,120.50
07503PATERSON$8,254.80Farmers$12,394.50State Farm$11,353.01GEICO$3,909.34Travelers$6,120.50
07504PATERSON$8,254.80Farmers$12,394.50State Farm$11,353.01GEICO$3,909.34Travelers$6,120.50
07505PATERSON$8,254.80Farmers$12,394.50State Farm$11,353.01GEICO$3,909.34Travelers$6,120.50
07513PATERSON$8,254.80Farmers$12,394.50State Farm$11,353.01GEICO$3,909.34Travelers$6,120.50
07514PATERSON$8,254.80Farmers$12,394.50State Farm$11,353.01GEICO$3,909.34Travelers$6,120.50
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Newark leads the pack with nine out of the top 25 zip codes landing in Newark for the most expensive cities in New Jersey.

– Cheapest Rates by City

The next set of data shows rates by city.

New Jersey Cheapest CitiesAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Brookside$4,592.17State Farm$6,156.55Farmers$6,106.07GEICO$2,387.77Progressive$3,160.07
Mountain Lakes$4,600.77State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
Convent Station$4,613.10State Farm$6,156.55Farmers$6,106.07GEICO$2,543.78Progressive$3,160.07
Denville$4,613.63State Farm$6,573.25Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
Mount Tabor$4,613.63State Farm$6,573.25Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
Morristown$4,614.46State Farm$6,156.55Farmers$6,106.07GEICO$2,543.78Progressive$3,160.07
Cedar Knolls$4,616.88State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
Morris Plains$4,616.88State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
Whippany$4,616.88State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
Randolph$4,618.98State Farm$6,573.25Farmers$6,106.07GEICO$2,543.78Progressive$3,160.07
Budd Lake$4,624.77Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
Riverdale$4,630.07State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
Glasser$4,641.98Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
Landing$4,649.92Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
Netcong$4,649.92Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
Pottersville$4,660.24Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
Boonton$4,660.30State Farm$6,573.25Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
Butler$4,664.98State Farm$6,156.55Farmers$6,106.07GEICO$2,560.75Progressive$3,160.07
Hopatcong$4,667.85Farmers$6,413.72State Farm$6,156.55GEICO$2,427.65Progressive$3,425.84
Annandale$4,678.80Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
Asbury$4,678.80Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
Baptistown$4,678.80Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
Changewater$4,678.80Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
Glen Gardner$4,678.80Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
Hampton$4,678.80Farmers$6,764.38State Farm$6,013.78GEICO$2,387.77Progressive$3,515.56
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Brookside has the cheapest car insurance rates in New Jersey, while Irvington and Newark have the most expensive rates.

New Jersey Most Expensive CitiesAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Irvington$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
Newark$8,512.59Farmers$12,685.99State Farm$11,875.78GEICO$4,274.79Travelers$6,159.75
East Orange$8,384.68Farmers$12,685.99State Farm$11,824.45GEICO$4,150.14Travelers$5,980.16
Orange$8,384.68Farmers$12,685.99State Farm$11,824.45GEICO$4,150.14Travelers$5,980.16
Passaic$8,293.85Farmers$12,398.77State Farm$10,907.42GEICO$3,948.66Travelers$6,212.33
Elizabeth$8,277.10Farmers$12,283.07State Farm$11,789.64GEICO$3,798.87Travelers$6,107.40
Elizabethport$8,277.10Farmers$12,283.07State Farm$11,789.64GEICO$3,798.87Travelers$6,107.40
Paterson$8,228.41Farmers$12,394.50State Farm$11,318.82GEICO$3,909.34Travelers$6,129.69
North Bergen$8,198.85Farmers$12,348.98State Farm$11,146.92GEICO$3,777.25Progressive$6,021.03
Guttenberg$7,929.71Farmers$11,660.42State Farm$11,146.92GEICO$3,571.92Progressive$5,657.56
Union City$7,929.71Farmers$11,660.42State Farm$11,146.92GEICO$3,571.92Progressive$5,657.56
Camden$7,699.21Farmers$11,590.99State Farm$10,324.11GEICO$3,635.14Travelers$5,692.37
Perth Amboy$7,587.46Farmers$11,886.13State Farm$10,195.39GEICO$3,241.31Travelers$5,478.47
Atlantic City$7,564.70Farmers$11,961.16Liberty Mutual$9,785.53GEICO$3,635.98Travelers$5,534.72
Linden$7,501.16State Farm$11,098.56Farmers$10,567.82GEICO$3,725.10Progressive$5,175.59
Roselle$7,501.16State Farm$11,098.56Farmers$10,567.82GEICO$3,725.10Progressive$5,175.59
East Newark$7,467.89State Farm$11,826.73Farmers$9,940.24GEICO$3,587.95Travelers$5,258.88
Kearny$7,467.89State Farm$11,826.73Farmers$9,940.24GEICO$3,587.95Travelers$5,258.88
Cliffside Park$7,392.46State Farm$11,095.37Farmers$10,213.21GEICO$3,734.47Progressive$5,233.40
Palisades Park$7,392.46State Farm$11,095.37Farmers$10,213.21GEICO$3,734.47Progressive$5,233.40
Ridgefield$7,392.46State Farm$11,095.37Farmers$10,213.21GEICO$3,734.47Progressive$5,233.40
Hillside$7,391.94Farmers$10,700.28State Farm$10,295.93GEICO$3,532.32Travelers$5,200.76
Union$7,391.94Farmers$10,700.28State Farm$10,295.93GEICO$3,532.32Travelers$5,200.76
Vauxhall$7,391.94Farmers$10,700.28State Farm$10,295.93GEICO$3,532.32Travelers$5,200.76
Jersey City$7,346.83Farmers$10,415.60State Farm$10,184.76GEICO$3,051.71Travelers$5,214.56
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Best New Jersey Car Insurance Companies

So what makes the best insurance company in New Jersey? Well, there are several things that can make a company go from the bottom of the list to the top.

Financial ratings, customer service, and rates are definitely on the top of the list of valuable things to look at in a company.

So let’s take a look at these factors and see which companies land on the top of New Jersey’s best insurance companies.

– The Largest Companies Financial Rating

AM Best rating is a global company focusing on the insurance industry. They rate companies based on financial security and credit.

The table below shows the largest writing companies in New Jersey with their AM Best ratings.

Insurance CompanyA.M.Best Rating
GeicoA++
New Jersey Manufacturers GroupA+
Progressive GroupA+
Allstate Insurance GroupA+
State Farm GroupA++
Palisades GroupA-
Liberty Mutual GroupA
USAA GroupA++
Travelers GroupA++
Farmers Insurance GroupA
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None on the list go below an A- rating, so New Jersey drivers have some good choices for insurance companies.

– Companies with Best Ratings

One of the reasons these companies get so big is because of customer service. Good customer service can sometimes make a customer stay with the same company, even with a premium increase.

– Companies with Most Complaints in New Jersey

Every company will eventually get a complaint. You have to remember some of these companies are so large that a high number of complaints are still low considering how many customers they have.

Insurance CompanyNumber of Complaints
Geico333
New Jersey Manufacturers Group3
Progressive Group120
Allstate Insurance Group163
State Farm Group1482
Palisades Group3
Liberty Mutual Group222
USAA Group296
Travelers Group2
Farmers Insurance Group0
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– Cheapest Companies in New Jersey

Everyone is looking for a good deal on their insurance. We took seven insurance companies and compared average annual rates to the state average.

Insurance CompanyAverage Annual PremiumsCompared to State Average (+/-)Percentage Change (+/-)
Allstate NJ P&C$5,713.58$198.373.47%
Foremost Ins Grand Rapids$7,617.00$2,101.7927.59%
Geico Govt Employees$2,754.94-$2,760.28-100.19%
Liberty Mutual Fire$6,766.61$1,251.4018.49%
Prog Garden State Ins Co$3,972.72-$1,542.50-38.83%
State Farm Ind$7,527.15$2,011.9426.73%
St Paul Protective Ins Co$4,254.49-$1,260.72-29.63%
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– Commute Rates by Companies

New Jersey has a big population of commuters. How much do all the commuting cost New Jersey drivers? Let’s take a look.

Insurance CompanyCommute and Annual MileageAnnual Average Premiums
State Farm25 miles commute. 12000 annual mileage.$7,721.28
State Farm10 miles commute. 6000 annual mileage.$7,333.03
Farmers25 miles commute. 12000 annual mileage.$7,617.00
Farmers10 miles commute. 6000 annual mileage.$7,617.00
Liberty Mutual25 miles commute. 12000 annual mileage.$6,832.35
Liberty Mutual10 miles commute. 6000 annual mileage.$6,700.88
Allstate25 miles commute. 12000 annual mileage.$5,724.15
Allstate10 miles commute. 6000 annual mileage.$5,703.01
Travelers10 miles commute. 6000 annual mileage.$4,254.49
Travelers25 miles commute. 12000 annual mileage.$4,254.49
Progressive25 miles commute. 12000 annual mileage.$3,972.72
Progressive10 miles commute. 6000 annual mileage.$3,972.72
Geico25 miles commute. 12000 annual mileage.$2,777.67
Geico10 miles commute. 6000 annual mileage.$2,732.21
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Commuting is a factor in your premium, but as you can tell from the above chart it does not make a huge impact on your premium.

Coverage Level Rates by Companies

Coverage is one option that most drivers look at and think if they lower it, then their premium will drop significantly.

Insurance CompanyCoverage TypeAnnual Average Premiums
FarmersHigh$8,412.64
FarmersMedium$7,577.22
FarmersLow$6,861.13
State FarmHigh$7,961.75
State FarmMedium$7,625.56
State FarmLow$6,994.15
Liberty MutualHigh$7,274.15
Liberty MutualMedium$6,971.85
Liberty MutualLow$6,053.83
AllstateHigh$6,073.01
AllstateMedium$5,797.50
AllstateLow$5,270.22
TravelersHigh$4,616.48
TravelersMedium$4,254.55
TravelersLow$3,892.44
ProgressiveHigh$4,280.26
ProgressiveMedium$4,034.39
ProgressiveLow$3,603.50
GeicoHigh$2,994.20
GeicoMedium$2,808.31
GeicoLow$2,462.30
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Farmers is one company that has a more drastic difference in premium when changing your level of coverage. If you take a look at a company like Geico, for instance, the change isn’t as big.

It is a good idea to quote out your insurance with different levels of coverage. You may be surprised how much a small amount in premium can give you a large payout in coverage.

– Credit History Rates by Companies

Credit history is one of those silent factors that follows you around. It is there for big purchases like cars and homes and can also make or break your interest rate. Credit history also plays a determining factor in your insurance rate.

Companies use your credit history just like we use AM Best rating for insurers. Credit history rates give insurers a look at how a customer pays bills and how timely they are.

Insurance CompanyCredit HistoryAnnual Average Premiums
State FarmPoor$10,892.25
State FarmFair$6,568.67
State FarmGood$5,120.55
FarmersPoor$9,071.27
FarmersFair$7,090.77
FarmersGood$6,688.96
Liberty MutualPoor$8,575.06
Liberty MutualFair$6,357.77
Liberty MutualGood$5,367.00
AllstatePoor$7,965.60
AllstateFair$5,131.18
AllstateGood$4,043.95
TravelersPoor$5,720.93
TravelersFair$4,186.30
TravelersGood$2,856.24
ProgressivePoor$4,448.52
ProgressiveFair$3,883.17
ProgressiveGood$3,586.45
GeicoPoor$4,148.35
GeicoFair$2,386.66
GeicoGood$1,729.80
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Credit history rates have a significant impact. In some cases, your premium doubles or more from a good rating to a poor rating. Keep a look out at your rating and do your best to keep a good score.

New Jersey does not allow any insurance to be denied, canceled, or non-renewed due to credit history. Companies can not offer unfavorable payments plans due to credit.

Credit is not used for consumers covered by the Special Automobile Insurance Policy or Basic Policy programs which will discuss later in this section.

– Driving Record Rates by Companies

Some are lucky enough to have clean, squeaky driving records; that’s not the case for everyone. Have you ever wondered how much that speeding ticket is costing you with your insurance premium?

Insurance CompanyDriving RecordAnnual Average Premiums
State FarmWith 1 DUI$11,975.32
State FarmWith 1 speeding violation$6,597.21
State FarmWith 1 accident$7,446.84
State FarmClean record$4,089.25
FarmersWith 1 DUI$8,155.86
FarmersWith 1 speeding violation$6,395.36
FarmersWith 1 accident$10,017.70
FarmersClean record$5,899.07
Liberty MutualWith 1 DUI$6,632.81
Liberty MutualWith 1 speeding violation$6,498.24
Liberty MutualWith 1 accident$7,437.18
Liberty MutualClean record$6,498.24
AllstateWith 1 DUI$6,227.00
AllstateWith 1 speeding violation$5,214.06
AllstateWith 1 accident$7,126.18
AllstateClean record$4,287.07
TravelersWith 1 DUI$4,697.50
TravelersWith 1 speeding violation$4,188.00
TravelersWith 1 accident$4,864.10
TravelersClean record$3,268.35
ProgressiveWith 1 DUI$3,906.91
ProgressiveWith 1 speeding violation$3,985.79
ProgressiveWith 1 accident$4,583.69
ProgressiveClean record$3,414.48
GeicoWith 1 DUI$3,917.82
GeicoWith 1 speeding violation$2,142.43
GeicoWith 1 accident$2,817.06
GeicoClean record$2,142.43
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A DUI conviction is definitely the violation that will cost you the most. Some companies rate tickets higher than accidents or the other way around. So take a look at the companies and see which one may be better for you if you have any violations listed above.

– Largest Car Insurance Companies in New Jersey

Now, let’s take a look at the largest companies in New Jersey.

Insurance CompanyDirect Written PremiumsLoss RatioMarket Share
Geico$1,580,84470.02%20.58%
New Jersey Manufacturers Group$993,94566.25%12.94%
Progressive Group$856,48459.14%11.15%
Allstate Insurance Group$839,88353.02%10.93%
State Farm Group$629,48564.66%8.19%
Palisades Group$601,85261.30%7.83%
Liberty Mutual Group$544,32164.14%7.09%
USAA Group$294,67870.79%3.84%
Travelers Group$284,19159.53%3.70%
Farmers Insurance Group$233,31479.86%3.04%
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Geico, by far, has a strong hold on the New Jersey markets. As you can see from the previous tables, their rates are usually on the lower side so you can see why they write so many New Jersey drivers.

Number of Insurers by State

New Jersey has over eight hundred companies to chose from which looking at insurance.

Type of InsurerNumber
Domestic66
Foreign778
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The difference between domestic and foreign is where the company originated. A domestic company is local to New Jersey and was started under New Jersey law, while a foreign company was started in another state.

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New Jersey State Laws

We are going to cover a lot of information in this next section. Knowing laws for your state is vital to avoid unnecessary fines, suspensions, and the hassle fixing issues that arise from not knowing simple laws.

We are now going to breakdown some different state laws pertaining to drivers in New Jersey.

Car Insurance Laws

New Jersey car insurance companies must file rate increases with the state and get approval before increases.

Windshield Coverage

There are no unique laws pertaining to windshields in New Jersey. If you have a standard comprehensive deductible is $750.

High-Risk Insurance

The state of New Jersey does not require you to have an SR-22 filing. If you do require this filing from another state and recently moved to New Jersey, you do need to transfer that filing to your New Jersey insurance company.

New Jersey follows insurance eligibility points system. Depending on your amount of points determines which insurance market you can get insurance through. There is the voluntary market and assigned risk market.

The below is a statement from New Jersey Banking and Insurance pamphlet located on their website:

“In accordance with New Jersey regulations for Eligible Person
Qualifications, any driver who has accumulated seven or more insurance eligibility points for the three-year period immediately preceding the application for insurance or the three-year period ending 90 days prior to renewal of a policy may not be considered eligible to purchase coverage
in the voluntary market. As a result, some insurers will direct them to purchase insurance through the Personal Automobile Insurance Plan (PAIP). It is important to note, however, that not all insurers in the voluntary market refuse to cover drivers with seven or more insurance eligibility points. If you have seven or more insurance eligibility points it may be a good idea to shop around and compare your coverage and pricing options.
The PAIP is not an insurance company; instead, it acts as an administrative clearinghouse and assigns each driver to a company for coverage. Therefore, this type of coverage is referred to as “assigned risk.” The state
has standardized the rates for this type of coverage and they do not vary from company to company. The rates may also be substantially higher than rates in the voluntary market. To find PAIP producers in your area, call
1-800-652-2471 or visit the Department’s web site, www.dobi.nj.gov.”

Low-Cost Insurance

New Jersey offers the Special Automobile Insurance Policy initiative to help drivers that would otherwise go without car insurance. This insurance is offered through most insurance providers.

This is offered to drivers enrolled in certain Medicaid programs. Your insurance provider can determine your eligibility.

Automobile Insurance Fraud in New Jersey

Any type of fraud in New Jersey is considered a serious crime. If convicted, punishment can be jail time, fines, and loss of your driver’s license.

There are two types of fraud that can be committed. Soft fraud is when customers pad information whether on the application or when filing a claim.

Hard fraud is the knowing act of staging an accident, or any type of claim, knowing that you are deliberately trying to scam the insurance company.

Statute of Limitations

Statute of limitations is the amount of time you have to file a claim after it has occurred. In New Jersey, you have two years for personal injury and six years for property damage. The best thing to do is file a claim as soon as the claim occurs.

State Specific Laws

Some of these laws may seem a little strange, but nonetheless, they are laws in New Jersey. See if you have broken any of the laws below without knowing them.

  1. Motorists must honk when passing another vehicle. This law includes skateboarders!
  2. If you have been convicted of driving under the influence, you can no longer apply for personalized license plates.
  3. You can not pass horse-drawn carriages on roads
  4. You can not pump your own gas.
  5. If you are caught “frowning” at a police officer, you are breaking the law. Make sure you take that ticket with a smile.
  6. Car dealerships must be closed on Sunday.

Vehicle Licensing Laws

New Jersey is noncompliant for the Real ID Act. They have received an extension for this noncompliance and New Jersey residents can still use their New Jersey license to board commercial airlines and nuclear plants until October 2019.

Penalties for Driving Without Insurance

New Jersey has one of the harshest laws against driving without insurance on the books. The consequence is more severe than being convicted of a DWI charge. The first offense can get you the following:

  • Fines ranging from $300-$1000
  • Loss of license for one year
  • A surcharge of $250 a year for three years

If that did not deter you from ever driving without insurance the second time convicted will. Being convicted for a second offense the following can be imposed:

  • Fines up to $5000
  • Loss of license for two years
  • Mandatory jail time of fourteen days
  • Additional 30-days community service

New Jersey wants to instill in all drivers to drive with insurance or suffer harsh consequences. You must carry an insurance ID card with you or have an electronic copy stored on a phone or laptop.

Teen Driver Laws

Teens can obtain their driver’s permit at the age of sixteen in New Jersey. To get their permit, a teen driver must enroll in a licensed driving school.

Once a permit is obtained, pass a road test, and have at least six months of supervised driving you can then get your probationary license.

Once a probationary license is obtained, you must practice unsupervised driving for one year before you can then get your basic driver’s license.

Per the New Jersey Motor Vehicle Commission, supervised driving is as follows:

“Display a reflectorized decal on each license plate (front/back); decals available at motor vehicle agencies, $4 per pair.

No driving after 11:01 p.m. and before 5:00 a.m.

Permit and probationary drivers under 21 may drive outside the prescribed hours for employment or religious reasons.

    • Drivers must carry legible documentation on letterhead signed by the employer, organization or religious institution stating the reasons for this request. It must include the title, address and telephone number of designated official.

You must be accompanied in the front seat by an adult supervising driver who is at least 21 years of age, and who possesses a valid New Jersey driver’s license, and has a minimum of three years driving experience.

Parent(s), guardian(s) or dependent(s) are allowed as passengers. A dependent can be the driver’s child, not brother or sister.

Only one additional passenger is allowed unless accompanied by a parent or guardian.

You cannot use cell phones, handheld video games or any other interactive, wireless device, whether it is “hands-free” or not.

Seat belts must be worn at all times.”

Unsupervised driving is as follows:

“Display a reflectorized decal on each license plate (front/back); decals available at motor vehicle agencies, $4 per pair.

No driving after 11:01 p.m. and before 5:00 a.m.

There are no time limits for basic driver’s license holders 18+.

Permit and probationary drivers under 21 may drive outside the prescribed hours for employment or religious reasons.

    • Drivers must carry legible documentation on letterhead signed by the employer, organization or religious institution stating the reasons for this request. It must include the title, address and telephone number of designated official.

Parent(s), guardian(s) or dependent(s) are allowed as passengers. A dependent can be the driver’s child, not brother or sister.

Only one additional passenger is allowed unless accompanied by a parent or guardian.

You cannot use cell phones, handheld video games or any other interactive, wireless device, whether it is “hands-free” or not.

Seat belts must be worn at all times.”

Older Driver License Renewal Procedures

Older drivers have the same renewal process as any other drivers. If you are over 70, you have the personal option to shorten your renewal period from four years to two years. We will review the license renewal procedures in a section below.

New Residents

Once you move to New Jersey, you have 60 days or when your current license expires, whichever comes first to update to a New Jersey license.

You must bring your current license, ID, and permit fee to a local motor vehicle agency to get a new license. As long as you are good standing, your road tests will be waived.

If you are under the age of 21, you will need to follow the Graduated Drivers License program.

License Renewal Procedures

Renewal for New Jersey license is every four years. You can renew by mail if you do not need an updated picture. Every ten years, you will need adequate proof of vision.

Rules of the Road

To be safe, all drivers need to familiarize themselves with the rules of the road for the state they are driving.

We have covered the legal aspect of laws and renewal procedure, so now lets switch gears and look at the speed limits, seat belts, and other rules of driving in New Jersey.

Fault vs. No-Fault

New Jersey is a no-fault state. This means in a no-fault state, your medical coverage under your auto policy will pay out no matter who is at fault.

Seat belt and Car Seat laws

Seat belts are required for all passengers in front or rear seats. If convicted, the driver will be subjected to fines and fees.

Children less than 2 years old and under 30 pounds are to be in a rear-facing infant seat. Children younger than four must also be a rear-facing seat until the child is over the guidelines mandated by the car seat manufacturer.

A child younger than 8 years old must be in a front-facing seat or booster seat.

Riding in the cargo of a truck is not permitted.

Keep Right and Move Over Laws

Driving in the left lane is only for turning left and for passing. Cars should slow and move over if possible when emergency vehicles are present.

Speed Limits

Type of RoadSpeed Limit
School Zone, Business or Residential Districts25 mph
Low Density business and Residential Districts35 mph
All other Roadways50 mph
Interstates and certain State Highways55 mph
State Highways65 mph
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Ridesharing

Ridesharing is becoming a common way to commute. Whether that is carpooling or using a service like Uber or Lyft, it is always a good idea to check with your insurance company on gaps in coverage. You want to be clear with who you are driving, when, and where.

Automation on the Road

Automated cars are no longer a thing of the future. Cars are parking and now driving with no driver necessary. New Jersey currently has no laws regarding automation, but that doesn’t mean there are no laws under review.

There are several proposed bills under consideration, one offering a one-year pilot program for a fully autonomous car.

Safety Laws

Alcohol and cell phones are two major distractions and impairments causing major safety hazards on that road. Let’s take a look at what laws are in place to keep New Jersey drivers safe.

DUI Laws

As we saw earlier, driving without insurance has a harsh consequence in New Jersey. Driving while intoxicated is no different. The fines are steep, but even worse is the jail time and license suspension.

OffenseFineImprisonmentLicense SuspensionAutomobile Insurance Surcharge
First Offense$250-$450Up to 30 days3-months$1,000/year for 3 years
Second Offense$500-$1,000Up to 90 days2-years$1,000/year for 3 years
Third Offense$1,000180 days10-years$1,500/year for 3 years
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If you are caught three times, you lose your license for 10 years.

Distracted Driving Laws

No driver is allowed to use a hand-held device or text while driving. Anyone with a permit or probationary license has a complete ban on any use of a cellular device.

Take these laws seriously, as New Jersey charged a woman in 2019 for vehicular homicide after she was texting and rear-ended another car. Even if you don’t cause a fatality, you could face heavy fines and penalties for driving distracted.

Driving in New Jersey

Lastly, we are going to look at some unfortunate statistics occurring in New Jersey. As mentioned earlier, New Jersey has the highest amount of auto theft.

We will also look at the statistics of traffic fatalities. We will inform you when and where and how most fatalities in New Jersey occur.

Vehicle Theft in New Jersey

This first table is a list of the most stolen vehicles in New Jersey. It will also list the most popular year of each car model of the total amount stolen.

Make & ModelMost Popular Model YearNumber of Vehicles Stolen
Honda Accord1997844
Honda Civic1998753
Dodge Caravan2002427
Nissan Sentra1998340
Ford Pickup (Full Size)2006295
Nissan Altima2014291
Jeep Cherokee/Grand Cherokee2000286
Toyota Camry2014232
Nissan Maxima1998195
Ford Econoline E3502003184
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Second, we break down which cities have the most crime. If you are located in a city with high auto theft, be vigilant. Keep possessions out of sight or not located in the car, try to park near a light, and always keep your car locked.

CityMotor
vehicle
theft
Aberdeen Township10
Absecon6
Allendale2
Allenhurst1
Allentown0
Alpha1
Alpine2
Andover Township0
Asbury Park30
Atlantic City71
Atlantic Highlands1
Audubon2
Audubon Park1
Avalon0
Avon-by-the-Sea0
Barnegat Light0
Barnegat Township5
Barrington10
Bay Head3
Bayonne87
Beach Haven2
Beachwood3
Bedminster Township4
Belleville164
Bellmawr13
Belmar3
Belvidere1
Bergenfield2
Berkeley Heights Township3
Berlin4
Berlin Township4
Bernards Township4
Bernardsville2
Beverly7
Blairstown Township0
Bloomfield160
Bloomingdale0
Bogota2
Boonton0
Boonton Township0
Bordentown3
Bordentown Township3
Bound Brook3
Bradley Beach3
Branchburg Township3
Brick Township20
Bridgeton47
Bridgewater Township20
Brielle3
Brigantine0
Brooklawn6
Buena0
Burlington13
Burlington Township15
Butler2
Byram Township3
Caldwell2
Califon0
Cape May2
Cape May Point0
Carlstadt25
Carney's Point Township8
Carteret24
Cedar Grove Township11
Chatham7
Chatham Township3
Cherry Hill Township57
Chesilhurst4
Chester1
Chesterfield Township0
Chester Township0
Cinnaminson Township8
Clark Township3
Clayton6
Clementon8
Cliffside Park12
Clifton103
Clinton1
Clinton Township5
Closter2
Collingswood24
Colts Neck Township13
Cranbury Township3
Cranford Township11
Deal8
Delanco Township3
Delaware Township0
Delran Township8
Demarest1
Denville Township7
Deptford Township47
Dover11
Dumont1
Dunellen0
Eastampton Township0
East Brunswick Township16
East Greenwich Township6
East Hanover Township6
East Newark8
East Orange270
East Rutherford17
Eatontown6
Edgewater6
Edgewater Park Township18
Edison Township106
Egg Harbor City0
Egg Harbor Township29
Elizabeth1,001
Elk Township2
Elmer1
Elmwood Park15
Elsinboro Township0
Emerson1
Englewood23
Englewood Cliffs1
Englishtown1
Essex Fells2
Evesham Township17
Ewing Township72
Fairfield Township, Essex County20
Fair Haven2
Fair Lawn8
Fairview10
Fanwood2
Far Hills0
Flemington0
Florence Township8
Florham Park5
Fort Lee16
Franklin0
Franklin Lakes10
Franklin Township, Gloucester County10
Franklin Township, Hunterdon County1
Franklin Township, Somerset County59
Freehold3
Freehold Township14
Frenchtown0
Galloway Township28
Garfield26
Garwood1
Gibbsboro1
Glassboro12
Glen Ridge9
Glen Rock0
Gloucester City6
Gloucester Township32
Green Brook Township6
Greenwich Township, Gloucester County1
Greenwich Township, Warren County1
Guttenberg6
Hackensack46
Hackettstown12
Haddonfield4
Haddon Heights1
Haddon Township13
Haledon8
Hamburg0
Hamilton Township, Atlantic County23
Hamilton Township, Mercer County131
Hammonton9
Hanover Township4
Harding Township0
Hardyston Township1
Harrington Park0
Harrison68
Harrison Township6
Harvey Cedars1
Hasbrouck Heights1
Haworth0
Hawthorne9
Hazlet Township7
Helmetta3
High Bridge0
Highland Park6
Highlands1
Hightstown4
Hillsborough Township4
Hillsdale0
Hillside Township102
Hi-Nella1
Hoboken62
Ho-Ho-Kus1
Holland Township0
Holmdel Township7
Hopatcong2
Hopewell2
Hopewell Township3
Howell Township21
Independence Township2
Interlaken0
Irvington522
Island Heights1
Jackson Township13
Jamesburg1
Jefferson Township2
Jersey City738
Keansburg3
Kearny136
Kenilworth9
Keyport3
Kinnelon2
Lacey Township5
Lake Como0
Lakehurst0
Lakewood Township44
Lambertville2
Laurel Springs1
Lavallette0
Lawrence Township, Mercer County36
Lebanon Township3
Leonia0
Lincoln Park3
Linden131
Lindenwold27
Linwood1
Little Egg Harbor Township11
Little Falls Township19
Little Ferry13
Little Silver3
Livingston Township35
Loch Arbour1
Lodi21
Logan Township15
Long Beach Township2
Long Branch36
Long Hill Township0
Longport0
Lopatcong Township0
Lower Alloways Creek Township0
Lower Township18
Lumberton Township10
Lyndhurst Township28
Madison3
Magnolia11
Manalapan Township21
Manasquan0
Manchester Township7
Mansfield Township, Burlington County5
Mansfield Township, Warren County4
Mantoloking0
Mantua Township8
Manville15
Maple Shade Township29
Maplewood Township56
Margate City2
Marlboro Township22
Matawan1
Maywood4
Medford Lakes0
Medford Township2
Mendham2
Mendham Township0
Merchantville4
Metuchen4
Middlesex2
Middle Township15
Middletown Township16
Midland Park1
Millburn Township21
Milltown0
Millville49
Mine Hill Township0
Monmouth Beach2
Monroe Township, Gloucester County33
Monroe Township, Middlesex County13
Montclair35
Montgomery Township7
Montvale2
Montville Township8
Moonachie3
Moorestown Township16
Morris Plains0
Morristown19
Morris Township11
Mountain Lakes4
Mountainside2
Mount Arlington0
Mount Ephraim6
Mount Holly Township11
Mount Laurel Township20
Mount Olive Township11
Mullica Township2
National Park6
Neptune City6
Neptune Township37
Netcong2
Newark2,894
New Brunswick87
Newfield1
New Hanover Township0
New Milford1
New Providence1
Newton1
North Arlington19
North Bergen Township76
North Brunswick Township33
North Caldwell3
Northfield1
North Hanover Township2
North Plainfield25
Northvale1
North Wildwood1
Norwood0
Nutley Township19
Oakland3
Oaklyn2
Ocean City6
Ocean Gate0
Oceanport2
Ocean Township, Monmouth County14
Ocean Township, Ocean County4
Ogdensburg3
Old Bridge Township46
Old Tappan0
Oradell2
Orange225
Oxford Township0
Palisades Park8
Palmyra9
Paramus35
Park Ridge1
Parsippany-Troy Hills Township15
Passaic135
Paterson749
Paulsboro8
Peapack and Gladstone2
Pemberton0
Pemberton Township36
Pennington0
Pennsauken Township103
Penns Grove11
Pennsville Township3
Pequannock Township2
Perth Amboy140
Phillipsburg16
Pine Beach1
Pine Hill12
Pine Valley0
Piscataway Township27
Pitman2
Plainfield96
Pleasantville26
Plumsted Township3
Pohatcong Township3
Point Pleasant3
Point Pleasant Beach3
Pompton Lakes4
Princeton1
Prospect Park20
Rahway43
Ramsey7
Randolph Township4
Raritan4
Raritan Township4
Readington Township4
Red Bank3
Ridgefield6
Ridgefield Park11
Ridgewood1
Ringwood1
Riverdale0
River Edge3
Riverside Township7
Riverton2
River Vale Township0
Robbinsville Township1
Rochelle Park Township2
Rockaway4
Rockaway Township11
Rockleigh0
Roseland7
Roselle54
Roselle Park9
Roxbury Township7
Rumson3
Runnemede13
Rutherford11
Saddle Brook Township13
Saddle River2
Salem5
Sayreville28
Scotch Plains Township4
Sea Bright1
Sea Girt0
Sea Isle City4
Seaside Heights2
Seaside Park0
Secaucus41
Ship Bottom2
Shrewsbury4
Somerdale4
Somers Point5
Somerville13
South Amboy8
South Bound Brook3
South Brunswick Township28
South Hackensack Township2
South Harrison Township2
South Orange37
South Plainfield12
South River7
South Toms River3
Sparta Township1
Spotswood0
Springfield14
Springfield Township1
Spring Lake3
Spring Lake Heights0
Stafford Township8
Stanhope1
Stone Harbor0
Stratford4
Summit17
Surf City0
Swedesboro0
Tavistock0
Teaneck Township17
Tenafly4
Teterboro1
Tewksbury Township1
Tinton Falls6
Toms River Township23
Totowa17
Trenton416
Tuckerton2
Union Beach0
Union City114
Union Township130
Upper Saddle River3
Ventnor City5
Vernon Township2
Verona14
Vineland61
Voorhees Township16
Waldwick0
Wallington2
Wall Township15
Wanaque1
Warren Township2
Washington0
Washington Township, Bergen County0
Washington Township, Gloucester County29
Washington Township, Morris County2
Washington Township, Warren County1
Watchung3
Waterford Township7
Wayne Township52
Weehawken Township18
Wenonah3
Westampton Township7
West Amwell Township0
West Caldwell Township12
West Cape May1
West Deptford Township26
Westfield9
West Long Branch7
West Milford Township5
West New York39
West Orange52
Westville15
West Wildwood0
West Windsor Township14
Westwood1
Wharton0
Wildwood9
Wildwood Crest0
Willingboro Township24
Winfield Township1
Winslow Township22
Woodbridge Township124
Woodbury13
Woodbury Heights3
Woodcliff Lake5
Woodland Park7
Woodlynne9
Wood-Ridge2
Woodstown2
Woolwich Township0
Wyckoff Township1
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Road Fatalities in New Jersey

A sad reality in a world full of drivers and cars is fatalities happen. We are first going to take a look at the weather condition of fatalities.

Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal23516686290516
Rain212683058
Snow/Sleet311005
Other042208
Unknown120014
Total26019997341591
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Most fatalities happen in normal weather conditions and daylight hours.

Fatalities by County

Now let’s look at which counties have the highest amount of auto fatalities.

County Name20132014201520162017
Atlantic County4241293936
Bergen County3739303527
Burlington County3531485048
Camden County3138343944
Cape May County512121216
Cumberland County2418293226
Essex County4040404640
Gloucester County2631232644
Hudson County1524272426
Hunterdon County969118
Mercer County3626192126
Middlesex County5233414647
Monmouth County2747475043
Morris County2514232129
Ocean County4945384153
Passaic County2824322218
Salem County919111517
Somerset County1925221924
Sussex County6710127
Union County1830292634
Warren County9681511
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Traffic Fatalities

Type of Road2008200920102011201220132014201520162017
Rural72717889717978678683
Urban515513476537516463475490512532
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It is not surprising since New Jersey is mostly a metropolitan area, most accidents happen on urban roads.

Fatalities by Person Type

Most fatalities happen to occupants riding or driving passenger cars.

Person Type20132014201520162017
Passenger Car217202213233213
Light Truck - Pickup2423253222
Light Truck - Utility5148495472
Light Truck - Van3421141624
Light Truck - Other30220
Large Truck9131066
Bus10030
Other/Unknown Occupants14823
Total Occupants340311321348340
Total Motorcyclists5662507183
Pedestrian129168170163183
Bicyclist and Other Cyclist1411181817
Other/Unknown Nonoccupants34221
Total Nonoccupants146183190183201
Total542556561602624
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Fatalities by Crash Type

Most traffic fatalities involve a single vehicle followed by roadway departure.

Crash Type20132014201520162017
Total Fatalities (All Crashes)542556561602624
Single Vehicle325337360371380
Involving a Large Truck6074505754
Involving Speeding11899128132120
Involving a Rollover7768868372
Involving a Roadway Departure254234242280266
Involving an Intersection (or Intersection Related)182185210213197
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Five-Year Trend For The Top 10 Counties

RankingNew Jersey Counties by 2017 Ranking20132014201520162017
1Ocean County4945384153
2Burlington County3531485048
3Middlesex County5233414647
4Camden County3138343944
5Gloucester County2631232644
6Monmouth County2747475043
7Essex County4040404640
8Atlantic County4241293936
9Union County1830292634
10Morris County2514232129
Sub Total 1Top Ten Counties377375368404418
Sub Total 2All Other Counties165181193198206
TotalAll Counties542556561602624
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Fatalities Involving Speeding by County

County Name20132014201520162017
Atlantic County995129
Bergen County40766
Burlington County10381111
Camden County791367
Cape May County14032
Cumberland County411357
Essex County122867
Gloucester County536612
Hudson County68664
Hunterdon County20021
Mercer County75747
Middlesex County14341513
Monmouth County716101710
Morris County53354
Ocean County89365
Passaic County771174
Salem County36443
Somerset County32302
Sussex County11510
Union County2810105
Warren County10201
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Fatalities in Crashes Involving an Alcohol-Impaired Driver

County Name20132014201520162017
Atlantic County10123124
Bergen County8123104
Burlington County119998
Camden County698813
Cape May County25153
Cumberland County44786
Essex County121351011
Gloucester County107558
Hudson County411343
Hunterdon County33111
Mercer County85339
Middlesex County1385915
Monmouth County61411149
Morris County73434
Ocean County128666
Passaic County1310996
Salem County48512
Somerset County410553
Sussex County22321
Union County5510137
Warren County32211
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Teen Drinking and Driving

New Jersey has a no tolerance law against any teen drinking. If you are caught driving with any alcohol, under the adult blood alcohol level, you can get a license suspension and community service.

If a driver under 21 years of age is found with an alcohol level over the adult level, that driver will be treated as an adult.

EMS Response Time

If you are ever in an accident, you want to know how fast an emergency medical team can get to you and get you to the nearest hospital.

Lucky for New Jersey drivers, whether the accident happens on a rural or urban road from the time of the accident under 60 minutes you will be at a hospital.

Type of RoadTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Total Fatal Crashes
Rural4.1413.2236.4853.8477
Urban5.147.8231.6243.70489
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Transportation

We know New Jersey is a high commuting state. So let’s take a look at how long their commutes are, how they commute, and how many cars most New Jersey families own.

Car Ownership

Commute Time

New Jersey has a large number of drivers that commute to work, including out of state traveling. The average resident living in New Jersey travels over thirty minutes to work. Over five percent of the working population of New Jersey commute over ninety minutes.

Commuter Transportation

While most drivers still choose to drive to work alone, New Jersey still has a higher use of public transportation than the United States average.

Traffic Congestion in New Jersey

If you look at a traffic report most major roadways in New Jersey have “delayed” as their status.

Holland Tunnel connects  Jersey City to Manhattan. Its a huge source of congestion and even more so since New York is proposing a congestion pricing that could cause even more issues. It is no surprise New Jersey residents spend so much time commuting to work.

We have covered a lot of information for this densely populated state of over nine million residents. You have state laws, insurance companies, rates, and coverages.  You can now get a free quote here.

References:

  1. https://datausa.io/profile/geo/new-jersey/#housing
  2. https://www.iii.org/fact-statistic/facts-statistics-auto-insurance
  3. https://nj1015.com/nj-drivers-pay-more-for-car-insurance-but-why/
  4. https://www.thehartford.com/aarp/car-insurance/new-jersey/state-driving
  5. https://www.state.nj.us/dobi/division_consumers/insurance/standardpolicy.html
  6. https://www.state.nj.us/mvc/vehicles/insurancerequirements.htm
  7. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  8. http://www.ambest.com/home/default.aspx
  9. https://www.state.nj.us/dobi/division_consumers/pdf/everythingauto2006.pdf
  10. https://www.naic.org/prod_serv/AUT-PB-14.pdf
  11. http://www.carwindshields.info/states
  12. https://www.state.nj.us/dobi/division_consumers/insurance/saip.htm
  13. https://www.iii.org/article/background-on-insurance-fraud
  14. https://www.mazdaoflodi.com/blog/strange-driving-laws-throughout-new-jersey/
  15. https://www.dhs.gov/real-id/new-jersey
  16. https://www.state.nj.us/mvc/license/initiallicense.htm
  17. https://www.state.nj.us/mvc/drivertopics/decals.htm
  18. https://www.state.nj.us/mvc/locations/facilitylocations.htm
  19. https://www.iihs.org/topics/older-drivers/license-renewal-laws-table
  20. https://www.state.nj.us/mvc/drivertopics/movetonj.htm
  21. https://www.iihs.org/topics/seat-belts/seat-belt-law-table
  22. https://drivinglaws.aaa.com/tag/seat-belts/
  23. https://drivinglaws.aaa.com/tag/move-over-law/
  24. http://www.ncsl.org/research/transportation/autonomous-vehicles-self-driving-vehicles-enacted-legislation.aspx
  25. https://scarincihollenbeck.com/law-firm-insights/business-law/nj-self-driving-vehicles/
  26. https://drivinglaws.aaa.com/tag/distracted-driving/
  27. https://newjerseyduilawyer.com/practice-areas/underage-drinking-laws/
  28. https://datausa.io/profile/geo/new-jersey/#category_transportation
  29. http://www.511nj.org/IncidentList.aspx?listType=Congestion
  30. https://en.wikipedia.org/wiki/Holland_Tunnel
  31. https://newyork.cbslocal.com/2019/04/02/new-jersey-drivers-not-pleased-about-potential-traffic-problems-congestion-pricing-could-create-at-tunnels/