Get a New Jersey car insurance quote

You could save over $700 on auto insurance when you switch to Liberty Mutual¹

Buying auto insurance New Jersey

Need car insurance in New Jersey? Whether you live in North Jersey or the Jersey Shore, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your New Jersey auto insurance, so you only pay for what you need.

New Jersey drivers could save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $700¹

Online Purchase Discount

Buy your policy online and save. It's that simple.²

Learn more about Savings

Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.²

Learn about Bundle and Save Discounts and more

RightTrack^®

Get rewarded for your good driving behavior by saving up to 30% on your policy.³

Save with our safe driver program

Those are just a few of the ways we can help lower your car insurance costs.

View all car insurance discounts

New Jersey minimum car insurance requirements (35/70/25)

It's illegal to drive without car insurance in New Jersey. To drive legally, you need to have at least the following coverage amounts and minimums in New Jersey.⁴

Coverage	Amount
Bodily Injury to others Coverage	$35,000 per person and $70,000 per accident
Property Damage Liability Coverage	$25,000 per accident
Personal Injury Protection (PIP)	$15,000

See the New Jersey Department of Banking and Insurance for official coverage requirements and details.

Average car insurance cost in New Jersey, 2026

According to 2026 data, the average cost of “full” coverage car insurance in New Jersey is about $3,060 per year.

New Jersey drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.

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Who offers cheap insurance in New Jersey?

Finding the cheapest car insurance in New Jersey may sound great, but a low-cost policy may not pay out when you need it.

You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.

A Liberty Mutual auto insurance policy can cost less than you think.⁵