Find Cheap Car Insurance in NJ

It’s no secret NJ auto insurance premiums are some of the most expensive in the United States. But, believe it or not, Kanopy Insurance agents can help you find budget-friendly car insurance in NJ. We’ll take the stress out of finding affordable car insurance, so you focus on what really matters like spending your days at the Boardwalk.

So, next time your high auto insurance rates have you eating Taylor ham and pork rolls for days on end, know we're just a click away. Compare and save in just minutes!


What are the car insurance requirements in New Jersey?

Like many other states, New Jersey requires drivers to carry minimum level of auto insurance coverage. New Jersey drivers must have:

Basic Policy

  • Property damage liability (PDL): $5,000 per accident
  • Personal injury protection (PIP): $15,000 per person, per accident with up to $250,00 for severe injuries.

The basic policy is ideal for younger drivers and individuals with few financial responsibilities. While bodily injury liability (BDL) is not a required minimum by New Jersey, many New Jersey drivers opt for the standard policy that does include bodily injury liability. The standard insurance policy in NJ includes:

Standard Policy

  • Bodily injury liability (BDL): $15,00 per person, per accident with $30,00 if multiple people are injured.
  • Property damage liability (PDL): $5,000 per accident
  • Personal injury protection (PIP): $15,000 per person, per accident with up to $250,00 for severe injuries.

The Standard Policy includes choosing a Right to Sue option should the policy holder be injured in an accident. This right is outside of the PIP coverage for medical expenses or loss of income and is specifically for pain and suffering. There are two options: Limited Right to Sue and Unlimited Right to Sue. As the Unlimited Right to Sue comes with broader rights to sue, the premiums for this option are higher.

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Why is my car insurance so high in New Jersey?

If you live in NJ or know someone that does, you probably know about the high cost of auto insurance. Of course, for many New Jersey drivers, the quality of life outweighs the high price of insurance premiums. Still, it does sting to know you’re paying your hard-earned bucks to insurance companies. New Jersey averages $1,263 for car insurance. Here are a few reasons why car insurance in New Jersey is so expensive:

  • Expensive auto repairs
  • More accidents
  • Increased personal injury claims

Navigating the many auto insurance companies can be like trying to choose what type of bagel schmear you want — you know there are tons of good options, but where to start?

The good news is, there are plenty of insurance carriers that offer affordable options. You can talk with one of our insurance agents to compare quotes from the top insurance companies in New Jersey to help you save.

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What is the most affordable car insurance in New Jersey?

Shopping for affordable car insurance in NJ can feel a bit overwhelming. With premiums ranging in the $1,000+ and coverages you didn’t know existed, car insurance quotes can seem endless. Where’s one to start?

Whether you’re cruising along the waterfront in Newport listening to Frank Sinatra or rolling through Ashbury Park air guitaring to Bruce Springsteen, drivers that call the Garden State home can take comfort in comparing car insurance quotes from top carriers in one place (Always a plus, in our book). With Kanopy Insurance, we compare NJ auto insurance quotes in just minutes.

Well, there you have it. Now, who’s ready to compare quotes and find the best deal?

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have never in all my years of driving have had such a positive outcome with saving money on my insurance. My agent is amazing and anyone who needs help with insurance quotes or question this is the place for you.

Pamela, Midland Park, NJ Yelp

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We'll Find You the Best Rates on Auto Insurance in New Jersey!