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Cheap Auto Insurance Quotes in New Brunswick, NJ (2023)
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Written by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated August 31, 2022
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Car Insurance in New Brunswick, NJ
The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in New Brunswick, NJ to find you the cheapest quotes in the area.
Quick Facts
The average cost of car insurance in New Brunswick is $263 per month, or $3156 annually.
Car insurance in New Brunswick is $23 more than the average cost of car insurance in New Jersey.
The cheapest car insurance provider in New Brunswick on average is Plymouth Rock, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Liberty Mutual$195
Travelers$210
State Farm$305
American Family$324
See More:
Cheapest Car Insurance in New Brunswick, NJ
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in New Brunswick | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Liberty Mutual | $195 /mo |
| Travelers | $210 /mo |
| State Farm | $305 /mo |
| American Family | $324 /mo |
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Average Car Insurance Cost
| New Jersey Cities | |
|---|---|
| Newark | $317/mo |
| Jersey City | $303/mo |
| Paterson | $304/mo |
| Elizabeth | $294/mo |
| New Brunswick | $259/mo |
| New Jersey | $295/mo |
New Brunswick$259
Elizabeth$294
Average for NJ$295
Jersey City$303
Paterson$304
Newark$317
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in New Jersey
All motor vehicles operated or parked on New Jersey roadways are required to be insured with either a basic or standard insurance plan. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
Where the basic plan only requires $5,000 per accident of property damage liability insurance, the minimum liability insurance requirements for a standard plan in New Jersey[1] are:
$15,000 per person for bodily injury
$30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Jersey is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
$5,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$15,000per person for uninsured underinsured motorist bodily injury
$30,000 per accident for uninsured/underinsured motorist bodily injury
$5,000 per accident for uninsured/underinsured motorist property damage
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.
Find local New Brunswick agents
J. Joseph Connor Agency
46 Bayard St,
New Brunswick, NJ 08901Lacerda Insurance Agency
173 Livingston Ave,
New Brunswick, NJ 08901S. Lombardo Agency, Inc.
1014 Livingston Ave Suite 102,
North Brunswick Township, NJ 08902Yeni Mendez Romero - State Farm Insurance Agent
142 Livingston Ave,
New Brunswick, NJ 08901Robby West - State Farm Insurance Agent
405,
6 NJ-18 S Ste, East Brunswick, NJ 08816Barrood Agency Inc.
50 Paterson St,
New Brunswick, NJ 08901Marmar Insurance Agency LLC
226 George St,
New Brunswick, NJ 08901Lacerda Insurance Agency
173 Livingston Ave,
New Brunswick, NJ 08901Plymouth Rock Assurance Corporation
New Brunswick,
NJ 08901S. Lombardo Agency, Inc.
1014 Livingston Ave Suite 102,
North Brunswick Township, NJ 08902
For more detailed New Jersey city level guides, check out these below.
FAQs - New Brunswick, NJ Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.
Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- New Jersey Department of Banking and Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
