A Resource Guide for New Jersey Auto Insurance Buyers

New Jersey Auto Insurance Ratings

Here lists five typical households would pay for a year's coverage in New Jersey in 1997. It is assumed that each household resides within a city or suburb representative of the demographics of the state as a whole,and that each insures a popular make and model of car. In the state of New Jersey, Cherry Hill and Camden are specified as representative areas.

The evaluation is based on levels of coverage Consumer Reports has recommended as appropriate for the number and ages of drivers, types of cars, and driving patterns in each household. Unless otherwise noted, all the drivers have clean driving records, have both collision and comprehensive coverage, and are taking advantage of premium discounts for which they qualify.

The prices below are five least expensive policies that satisfied all of the criteria specified by the Consumer Reports Auto Insurance Price Service. They are not to be interpreted as necessarily representing the best rate available to every driver within the state. In fact, rates will vary based on individual circumstances.


Parents and Teen Young Parents Single Young Male Single MotherRetired Couple

To contact the state office that oversees the industry, please call 1-800-446-7467
Source: Consumer Reports, January 97.

For more specific rates information, check the bottom page of Auto Insurance Rate Guide which links to annual premium samples for each individual conties and cities in state of New Jersey.

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Parents and Teen

Suburban Annual Premium ($) Urban Annual Premium ($)
Liberty Mutual Fire Ins.
2,474
 Liberty Mutual Fire Ins.
2,672
Ohio Casualty West American
3,008
Ohio Casualty West American
3,384
USAA
3,414
USAA
3,857
Ohio Casualty Ins. Co.
3,471
Ohio Casualty Ins. Co.
3,892
Maryland Casualty Co.
3,614
Maryland Casualty Co.
4,152

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Young Parents

Suburban Annual Premium ($) Urban Annual Premium ($)
Liberty Mutual Fire Ins.
2,376
Liberty Mutual Fire Ins.
2,561
Ohio Casualty West American.
2,417
Ohio Casualty West American
2,733
USAA
2,781
USAA
3,147
Ohio Casualty Ins. Co.
2,835
Ohio Casualty Ins. Co.
3,195
Maryland Casualty Co.
2,978
Maryland Casualty Co.
3,446

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Single Young Male

Suburban Annual Premium ($) Urban Annual Premium ($)
Ohio Casualty Ins. Co.
2,243
Ohio Casualty Ins. Co.
2,568
Aetna Casualty & Surety Co.
2,316
Liberty Mutual Fire Ins.
2,593
Liberty Mutual Fire Ins.
2,323
Aetna Casualty & Surety Co.
2,594
USAA
2,403
Travelers First Trenton Ind.
2,654
Travelers First Trenton Ind.
2,544
USAA
2,749

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Single Mother

Suburban Annual Premium ($) Urban Annual Premium ($)
Ohio Casualty West African
1,096
Liberty Mutual Fire Ins.
1,230
Liberty Mutual Fire Ins.
1,131
Ohio Casualty West American
1,247
USAA
1,191
USAA
1,350
Ohio Casualty Ins. Co.
1,253
Selective Ins. Co. of America
1,405
Selective Ins. Co. of America
1,277
Ohio Casualty Ins. Co.
1,409

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Retired Couple

Suburban Annual Premium ($) Urban Annual Premium ($)
West American-Ohio Casualty
931
West American-Ohio Casualty
973
USAA
1,007
Liberty Mutual Fire Ins.
1,025
Liberty Mutual Fire Ins.
1,009
USAA
1,036
Ohio Casualty Ins. Co.
1,072
Ohio Casualty Ins. Co.
1,115
CNA-Universal Security
1,148
CAN-Universal Security
1,223

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