So you’re in the market for new auto insurance in the Garden State? As a New Jersey driver, you know the importance of finding coverage that fits your needs and budget. The good news is, the state has plenty of highly-rated insurance companies that can offer you competitive rates and quality service. We’ve done the research to find the top 5 auto insurers in New Jersey based on affordability, customer satisfaction, and coverage options.
Whether you’re looking for the cheapest basic liability insurance or want full coverage with all the bells and whistles, one of these companies is sure to have a policy for you. Read on to learn who made our list and find out how much you could save on your premiums. You’ll be back on the road in no time with an insurance policy you can trust.
GEICO: Excellent Customer Service and Competitive Rates
GEICO is one of the largest auto insurers in the U.S. for good reason. They offer –
- Great customer service. GEICO’s reps are available 24/7 to help you with claims or questions. They make the process of signing up or filing a claim simple and stress-free.
- Competitive rates. GEICO frequently runs special discounts and promotions to help you save even more on their already low premiums. Bundling with other policies like homeowner’s or renter’s insurance can also lower your bill.
- Numerous coverage options. Whether you need basic liability coverage or a high-end policy to protect a new sports car, GEICO has you covered. They offer plans for every budget and driving need.
- Additional perks. GEICO provides roadside assistance for emergencies, rental car reimbursement if your vehicle is in the shop, and a mobile app to manage your policy, pay your bill, file claims and more from anywhere.
Overall, GEICO makes insuring your vehicle an easy and affordable experience. With highly rated service and some of the lowest auto insurance rates around, they’re an excellent choice for New Jersey drivers looking to save money without sacrificing quality or convenience.
State Farm: A Trusted Name With Lots of Discounts
State Farm is one of the most well-known and trusted auto insurance companies, and for good reason. They offer lots of discounts to help you save, including:
- Multi-policy discounts: Bundle your auto policy with homeowners, renters, or life insurance and save up to 17%.
- Safe driver discounts: Maintain a clean driving record and get rewarded with up to 50% off for being accident-free.
- Student discounts: Full-time students under 25 can save up to 25% with good grades.
State Farm has an A+ rating and accreditation from the BBB, so you know you’re in good hands. With nearly 19,000 agents across the U.S. and Canada, help is never too far away. You have the option to buy insurance online, through an agent, or over the phone.
Overall, State Farm is a reputable company with competitive rates, especially if you qualify for their many discounts. For high quality auto insurance from a provider you can trust, State Farm should be at the top of your list.
Progressive: Innovative Tools to Help You Save
A Leader in Innovation
Progressive lives up to its name by constantly innovating new tools to help lower your rates. They were one of the first to offer comparison quotes online and have built on that with many other digital services.
Progressive’s Snapshot program lets you save by sharing data from a device you plug into your car. It tracks things like how much and how fast you drive to determine your discount. You can save up to 30% for safe driving habits.
Their Name Your Price tool is like a reverse auction. You enter the premium you want to pay and Progressive will show you coverage options at that price point. If they can’t match it, they’ll suggest some alternatives in your budget.
They also have an app to manage your policy, pay your bill, file claims, and more—all on your phone. You can report accidents, find repair shops, and schedule estimates without having to call an agent.
With tools like these, it’s no wonder Progressive consistently ranks as one of the most innovative companies in the industry. Their focus on “thinking outside the box” and building digital experiences means you have more opportunities to save and better service when you need it.
Liberty Mutual: Solid Coverage and Lots of Policy Options
Lots of Coverage Options
Liberty Mutual offers a wide range of coverage options so you can find a policy tailored to your needs. They provide standard coverage like liability, collision, and comprehensive, as well as optional coverage like roadside assistance, rental car reimbursement, and accident forgiveness. No matter what type of vehicle you drive, Liberty Mutual likely has a policy to fit your situation.
Discounts Galore
Liberty Mutual is also known for offering many discounts that can help lower your premiums. If you bundle your auto policy with your home or life insurance, you can save up to 30%. They also offer discounts for safe drivers, students, military members, and more. Be sure to ask about all the discounts you may be eligible for to get the best rate.
A Solid, Reliable Choice
Overall, Liberty Mutual is a stable, reputable company that provides quality auto insurance for drivers in New Jersey. They have an A rating from A.M. Best, indicating their ability to pay out claims. While their rates aren’t always the lowest, their coverage options, discounts, and financial stability make them a solid choice for many drivers.
FAQ: Commonly Asked Questions About Auto Insurance in New Jersey
Do I really need auto insurance in New Jersey?
Yes, auto insurance is mandatory in New Jersey. Driving without insurance can result in heavy fines, license suspension, and even jail time. The minimum required coverage includes liability insurance, personal injury protection, and uninsured motorist coverage.
How much does auto insurance cost in New Jersey?
Auto insurance rates in New Jersey are among the highest in the nation. The average annual premium in New Jersey is $1,309, compared to the national average of $1,099. Rates vary depending on factors like:
- Your age, gender, marital status
- Driving record and claims history
- Type of vehicle you drive
- Where you live in New Jersey
Should I get quotes from multiple companies?
Absolutely. Comparing quotes from different insurers is the best way to find an affordable policy. Quotes can vary by hundreds of dollars between companies for the exact same coverage. Check with companies like Geico, Progressive, State Farm, Liberty Mutual, and New Jersey Manufacturers Insurance Group.
Can I get discounts on my auto insurance?
Yes, most major insurers offer discounts for:
-Safe drivers
-Students with good grades
-Bundling with home or life insurance
-Anti-theft devices
-Paying premiums upfront instead of monthly
Be sure to ask about available discounts to lower your rate. Saving even a few percent can add up to big savings each year.
Conclusion
So there you have it, the top 5 auto insurance companies in New Jersey based on customer satisfaction, coverage options, and competitive rates. While price is certainly an important factor when choosing an insurance provider, you also want to find a company that offers the specific coverage you need and provides great service. Any of these highly-rated companies would be an excellent choice for New Jersey drivers looking to get the best value and experience from their auto insurance. Now get out there and start comparing quotes—you could save hundreds of dollars a year on your premium by switching to one of these top-rated insurers.
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