: Your own insurance covers your medical bills (PIP) regardless of who caused the accident.
“I have been switching between Progressive and Geico for the last few years. Progressive is increasing my insurance by 20% and strangely Geico's quote is almost double than Progresive.” Reddit · r/newjersey · 2 years ago new jersey auto insurance quotes
: Rates often 26% lower than the state average and a highly-rated mobile app. : Your own insurance covers your medical bills
: Expect higher quotes if you live in densely populated areas like Jersey City or have a recent violation on your record. Community Perspectives : Expect higher quotes if you live in
: Budget-conscious drivers and young adults looking for low premiums.
: Those who prefer working with a dedicated local agent. Estimated Monthly Quotes (2026 Averages) Coverage Type Average Monthly Rate Top Budget Option Minimum Coverage $118 – $236 GEICO (~$69) Full Coverage $257 – $303 GEICO/NJM (~$120-$137) Key New Jersey Requirements
: Exceptional customer service ratings from J.D. Power and potential cash dividends for policyholders.