Country Guide
Best Car Insurance in New Jersey (2026)
New Jersey is one of the most expensive states for car insurance. Compare top carriers for the best NJ rates.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in New Jersey
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Agent network | $2,640/yr | — |
| 2 | GEICO | Online savings | $2,280/yr | — |
| 3 | USAA | Military families | $1,920/yr | — |
| 4 | Progressive | High-risk drivers | $2,880/yr | — |
| 5 | NJM Insurance | NJ-based carrier | $2,040/yr | — |