Auto insurance is a necessary expense for every car owner in New Jersey. Not only is it required by law, but it also provides protection in case of an accident. With so many auto insurance companies to choose from, how do you decide which one is best for you? In this article, we will provide you with a comprehensive guide to auto insurance companies in New Jersey. We’ll cover everything from the top companies to the most frequently asked questions.
Top Auto Insurance Companies in New Jersey
When it comes to auto insurance, there are many options available in New Jersey. Here are the top auto insurance companies in the state:
Company Name |
A.M. Best Rating |
J.D. Power Rating |
Geico |
A++ |
4/5 |
State Farm |
A++ |
4/5 |
Progressive |
A+ |
3/5 |
Allstate |
A+ |
3/5 |
Liberty Mutual |
A |
3/5 |
Geico
Geico is one of the top auto insurance companies in New Jersey. They offer affordable rates and have a solid reputation for customer service. Geico has an A++ rating from A.M. Best and a 4/5 rating from J.D. Power.
One of the benefits of Geico is their online platform. You can get a quote and purchase a policy entirely online. They also offer a mobile app to manage your policy and submit claims. Geico has many discounts available, including multiple policy discounts and safe driving discounts.
If you’re looking for affordable car insurance in New Jersey, Geico is a great option.
State Farm
State Farm is another top auto insurance company in New Jersey. They offer a wide range of coverage options and have a great reputation for customer service. State Farm has an A++ rating from A.M. Best and a 4/5 rating from J.D. Power.
One of the benefits of State Farm is their extensive network of agents. You can visit a local agent to discuss your coverage options and get personalized advice. State Farm also offers a mobile app to manage your policy and submit claims, as well as discounts for safe driving and multiple policies.
If you value personalized service and a wide range of coverage options, State Farm is a great option for auto insurance in New Jersey.
Progressive
Progressive is a popular auto insurance company in New Jersey. They offer competitive rates and have a reputation for innovative policies. Progressive has an A+ rating from A.M. Best and a 3/5 rating from J.D. Power.
One of the benefits of Progressive is their Name Your Price tool. This tool allows you to create a custom policy based on your budget. Progressive also offers a mobile app to manage your policy and file claims, as well as discounts for safe driving and multiple policies.
If you’re looking for a budget-friendly option with innovative policies, Progressive is a great choice for auto insurance in New Jersey.
Allstate
Allstate is a well-known auto insurance company in New Jersey. They offer a wide range of coverage options and have a strong reputation for customer service. Allstate has an A+ rating from A.M. Best and a 3/5 rating from J.D. Power.
One of the benefits of Allstate is their Drivewise program. This program tracks your driving habits and rewards safe driving with discounts on your premium. Allstate also offers a mobile app to manage your policy and file claims, as well as discounts for safe driving and multiple policies.
If you’re looking for a company with extensive coverage options and a rewards program for safe driving, Allstate is a great option for auto insurance in New Jersey.
Liberty Mutual
Liberty Mutual is a well-established auto insurance company in New Jersey. They offer a wide range of coverage options and have a reputation for customer service. Liberty Mutual has an A rating from A.M. Best and a 3/5 rating from J.D. Power.
One of the benefits of Liberty Mutual is their 24-hour claims service. You can file a claim at any time and get the help you need. Liberty Mutual also offers a mobile app to manage your policy and file claims, as well as discounts for safe driving and multiple policies.
If you’re looking for a company with extensive coverage options and 24-hour claims service, Liberty Mutual is a great option for auto insurance in New Jersey.
Frequently Asked Questions
What is the minimum auto insurance coverage required in New Jersey?
In New Jersey, the minimum auto insurance coverage is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage per accident.
What factors affect my auto insurance premium?
Several factors can affect your auto insurance premium, including your driving record, age, gender, location, and the type of car you drive.
What discounts are available for auto insurance in New Jersey?
Many auto insurance companies offer discounts for safe driving, multiple policies, and paying your premium in full. You may also be eligible for discounts based on your occupation, education level, or membership in certain organizations.
How can I save money on auto insurance in New Jersey?
To save money on auto insurance in New Jersey, shop around for the best rates and take advantage of discounts. You can also raise your deductible or consider lowering your coverage limits if you have an older car.
What should I do if I’m in a car accident in New Jersey?
If you’re in a car accident in New Jersey, stay at the scene and call 911 if there are any injuries. Exchange information with the other driver and take photos of the damage. Contact your auto insurance company as soon as possible to report the accident.
Auto insurance is an important investment for every car owner in New Jersey. With so many options available, it can be challenging to find the right company for you. By understanding your options and taking advantage of discounts, you can find the best rates and coverage for your needs.
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