What Are The Average Auto Insurance Rates In NJ?

Knowing average auto insurance rates in NJ can help you figure out if you’re getting hosed on price by your current insurer.

Average rates are a great place to start, but keep in mind that your actual bill will depend on a bunch of factors that are specific to you. While it can’t hurt to know average auto insurance rates in NJ, there’s a pretty good chance you’re not going to pay an average price. 

It’s no secret that New Jersey has some of the highest average auto insurance rates in the country. In fact, a 2014 Insurance Information Institute study shows that New Jersey tops the list when it comes to average premium per vehicle at $1,263.67 per year.

What’s behind the cost? One reason is there are simply lots of people in New Jersey (it’s the most densely populated state in the country). Lots of people mean lots of drivers, which turns into the potential for more accidents.

What’s not reflected in the average price are features and benefits, like the superior customer service and exclusive programs offered by Plymouth Rock. You won’t find other carriers offering anything like these benefits:

  • Our Get Home Safe® taxi reimbursement program provides you a safe ride home when you need one.1
  • Our Door to Door Valet Claim Service® takes the stress out of getting your car repaired after an accident. We’ll deliver a rental car to customers with rental coverage and bring back your damaged car once it’s repaired.2

Why You Probably Won't Pay Average Car Insurance Rates.

While it's good to research average auto insurance rates in NJ, chances are that’s not what you’ll pay. Rates can vary substantially from person to person because auto insurance is so customizable. Here are just some of the factors that can affect the price of your policy.

  • How big is your deductible? A higher deductible usually means a lower cost. If you are able to keep some money hidden away for emergencies, you may be able to save more by choosing a higher deductible.
  • Coverages. Depending on your needs, it may make sense to have more or fewer coverage. Purchasing collision and comprehensive insurance may make sense for your situation, but it will also cost more.
  • What you drive. Newer cars and luxury cars are typically more expensive to insure. Older cars will generally cost less. There are some misconceptions about car color affecting your insurance costs; you won't pay more for a red car. Go ahead and get the color you like.
  • How you drive. Do you have a clean driving record? Accidents, speeding tickets and license suspensions will all usually equal higher insurance costs.
  • How much you drive. If you drive a lot of miles every year, you have more chance of having an accident. 
  • Using a car for business. Cars that are personal-use only are typically cheaper to insure than one you drive for business.

Get Your Price Now

The simplest way to find out how much you will pay for auto insurance is to get a quote from Plymouth Rock. It’s easy and only takes a few minutes.

Find out more information about gap insurance and comparing Plymouth Rock to other carriers.  You can also learn more about collision and comprehensive coverage options.

1 Personal auto insurance policyholders may be reimbursed up to $50 of taxi fees once per policy year for a one-way ride if they find themselves in a situation where it would be unsafe to operate their vehicle (not applicable to mechanical breakdown). Original receipt must be submitted with the reimbursement form.

2 Door-to-Door® is available to any customer who has purchased comprehensive or collision coverage.

Call 855-993-4470, get your free quote online, or find an agent and learn more about what the average car insurance rates in New Jersey are. If you need additional information it can be found on our Contact Us page.