State Farm offers the cheapest liability and GEICO the cheapest full coverage auto insurance in NJ; Compare the cheapest car insurance quotes in NJ from Progressive, Allstate, Liberty Mutual and State Farm (+ other top companies), GEICO offers the cheapest full coverage in New Jersey, with an average monthly rate of $125, according to NerdWallet's June 2025 analysis. GEICO offers the cheapest liability coverage in New, CSAA is the cheapest car insurance company in New Jersey, with an average monthly rate of only $89. New Jersey drivers must have liability insurance to legally operate a vehicle in the state. CSAA is the cheapest car insurance company for New Jersey seniors, offering them an average rate of $67 per month. How Much Is Car Insurance in New Jersey?, Travelers and Selective have the overall cheapest car insurance in New Jersey for good drivers, based on the companies in our analysis. Cheapest for, The cheapest car insurance in New Jersey is Bristol West’s minimum coverage policy, which costs on average $2,537 annually or $211 per month. The cheapest full coverage car insurance in New Jersey is sold by AAA Insurance and costs an average of $2,916 annually or $243 per month., .