Introduction:

New Jersey drivers can get fast and easy car insurance quotes from insurance companies featured in our directory. By clicking the button above, you will find cheap rates from the top auto insurance sites, which provide free quotes to New Jersey residents. If you know where to look and take time to compare prices, finding low insurance rates is definitely possible.

Information on New Jersey rates:

In 2008, auto insurance premiums were at an average of $1.00 in New Jersey. This marks a change of 2.30% from the previous year, during which average rates were $1.00. Figures from 2008 show that liability coverage was at an average of $759.56, collision insurance was $423.60 and comprehensive coverage priced at an average of $203.30. 0 states had higher average premiums than New Jersey and 49 states had lower premiums. During the year 2007, there were no states which had higher average car insurance rates than New Jersey. Examining a long term trend, we can see that in 2000, New Jersey car insurance rates were an average of $977.07 and in 2005, they were $1.00. During the year 2000, only 1 state had higher premiums than New Jersey.

Factors which affect the cost of insurance premiums in New Jersey:

• City speed limit: 55 mph
• Highway speed limit: 65 mph
• Blood alcohol content (BAC) percentage limit: 0.08%
• Laws in open containers: Both drivers and passengers of a motor vehicle are prohibited from having open containers of alcohol.
• Laws concerning the use of handheld cell phones: Using handheld mobile devices may be restricted in New Jersey.
• Additional restrictions on cell phone use: Learner's permit, intermediate license holders as well as those driving school buses face additional restrictions on cell phone use while operating a vehicle.
• License suspension period for DUI offenses: New Jersey has no automatic suspension of drivers licenses upon a first conviction for DUI or DWI.
• Availability of restoration after DUI conviction: Information is not available for this state.

Quick look at New Jersey car insurance rates:

• Average premium for 2008: $1.00
• Average premium for 2007: $1.00
• Change between 2007 - 2008 (%): 2.30
• Collision coverage cost for 2008: $423.60
• Liability coverage cost for 2008: $759.56
• Comprehensive coverage cost for 2008: $203.30
• Average premium rank for 2008: 1st