Cheapest Auto Insurance in Trenton, New Jersey (2024)
NJM offers the cheapest liability-only rates in Trenton, starting at $91 per month.
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Written byDaria Kelly Uhlig
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Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Updated November 21, 2024
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Table of contents
Car insurance costs an average of $177 per month in Trenton, according to proprietary data from Insurify. That’s slightly higher than the state average of $170. It’s not surprising, considering that Trenton has one of the highest property crime rates and highest auto theft rates in the state.[1]
However, while some aspects of your insurance premiums are outside your control, you can do several things to significantly lower your insurance costs in Trenton. Here’s how.
Quick Facts
Liability-only coverage in Trenton costs $126 per month on average, and full coverage costs $228 per month.
A full-coverage policy costs Trenton drivers an average of $2,732 per year.
Maintaining a clean driving record and reducing your insurance coverage can help lower your insurance costs.
Cheapest car insurance companies in Trenton
The cheapest insurance agency overall, based on average rates, isn’t necessarily the cheapest for you. That’s why it’s a good idea to explore coverages and compare rates from a few different companies to find the right coverage for your needs and budget.
As you start your search for a new insurer in Trenton, keep the following insurers in mind. You’ll also find their state averages for full coverage and liability insurance here.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| New Jersey Manufacturers | 9.4 | $135 | $86 | Small-business owners |
| State Farm | 9.3 | $315 | $202 | Rideshare drivers |
| USAA | 9.4 | $99 | $45 | Military members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for small-business owners: New Jersey Manufacturers
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $141/mo |
4.1
Best choiceBased on 34 verified guest reviews and ratings
How drivers feel about NJ Manufacturers
Drivers appreciate the accessible customer service and easy claims process but dislike the higher rates and lack of customer loyalty.
AI-generated from the text of verified reviews collected by Insurify
Best For
New Jersey drivers
Good claims process
Robust discounts
How drivers feel about NJ Manufacturers
Drivers appreciate the accessible customer service and easy claims process but dislike the higher rates and lack of customer loyalty.
AI-generated from the text of verified reviews collected by Insurify
Best For
New Jersey drivers
Good claims process
Robust discounts
Reviews (7)
Daniel
November 1, 2024
Verified Review
Don't Forget to Shop Around
Keep shopping around. All insurance companies are rip-offs for safe drivers like myself.
Richard
September 23, 2024
Verified Review
Too expensive for what is offered
They raised our auto rates by over 33 percent even though we have over 5 clean years with no accidents or tickets. We switched to Progressive and saved over 1K for a year's coverage.
Grigoriy
June 1, 2024
Verified Review
Just after money, but found another. Now they're all together
They are very expensive. It's not clear why?
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.19A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Since its founding in 1913, NJM has grown to become a full-service insurance company. In addition to auto insurance, NJM sells renters, condo, umbrella, watercraft, motorcycle, and ATV insurance. If you’re a small-business owner, it pays to give NJM a look, as it offers commercial auto insurance and other products and services geared toward this market.
Pros
Above-average J.D. Power customer satisfaction score in the Mid-Atlantic region
Impressive selection of endorsements that you can add to your policy
Cons
Not the cheapest insurer
C- rating from the Better Business Bureau due to unresolved complaints
Best insurer for rideshare drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $210/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $330/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has more than 100 years of experience across insurance lines that include auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. Coverages include rideshare insurance, a boon for anyone driving for a rideshare company in Trenton. The company also offers a number of discounts and customizable coverage options to help you save money.
Pros
The nation’s largest insurer in terms of policies written
Many ways to save, including the Drive Safe & Save app
Cons
No gap insurance
Could be expensive for drivers with incidents on their record
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA provides a wide range of insurance products, as well as banking, investing, and retirement services, to members of the military and their eligible family members. This makes the insurer a natural choice for New Jersey’s nearly 438,000 veterans in addition to active-duty members.
Pros
Low rates
Many discounts available, including legacy discounts for children of USAA policyholders
Cons
Customer service not available 24/7
Only serves past/present military and their spouses and children
How to get the cheapest car insurance in Trenton
Car insurance rates can differ dramatically depending on the coverage choices you make and the level of risk you pose to an insurer.
Risk factors you can control include your driving record, your credit history, the kind of car you drive, and, to some extent, where you park it. Factors beyond your control include your age and gender.
To reduce your car insurance rates in any situation, you should:
Maintain a clean driving record to earn good-driver discounts.
Pay bills on time and pay down debt to improve your credit.
Avoid purchasing more coverage than you need.
Bundle your car insurance with your homeowners insurance, renters insurance, or life insurance to earn better rates.
Find Cheap Car Insurance in Trenton
Liability rates start as low as $128 per month
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Cheapest liability-only car insurance in Trenton: NJM
Liability car insurance is basic coverage that protects your assets if you or someone driving your car causes an accident that injures or kills someone or damages their property.
This type of coverage has two parts: bodily injury liability to cover the costs related to the other person’s injuries or death and property damage liability to cover the cost of repairing or replacing their damaged property.
The coverage extends to family members listed on your policy, as well as people driving your car with permission. However, it doesn’t cover your own injuries or property damage.
Most states require drivers to have liability coverage for every car they drive. You can purchase this coverage from any NJ auto insurer, and the average monthly rate for liability-only insurance in Trenton is $126.
This table shows you average quotes for liability-only coverage offered by top Trenton insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| NJM | $91 |
| CSAA | $92 |
| Plymouth Rock | $96 |
| GEICO | $115 |
| Foremost | $145 |
| Mercury | $149 |
| State Farm | $210 |
| Progressive | $218 |
| Travelers | $272 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Trenton: NJM
Full-coverage auto insurance consists of liability insurance coverage plus collision and comprehensive coverages to protect your own car. Full coverage is optional, but if you lease or finance your vehicle, your insurer will probably require it.
Collision coverage pays for repairs to your vehicle when you’re at fault in a crash with another driver or with an inanimate object, such as a telephone pole. Comprehensive auto insurance covers other kinds of mishaps, including hitting a deer, hail damage, fire, theft, and vandalism.
The average rate for full-coverage auto insurance in Trenton is $228 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| NJM | $141 |
| Plymouth Rock | $148 |
| CSAA | $151 |
| GEICO | $179 |
| Mercury | $203 |
| Foremost | $260 |
| State Farm | $330 |
| Progressive | $364 |
| Travelers | $426 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Trenton, New Jersey
Drivers using Insurify have found quotes as cheap as $86/mo for liability only and $135/mo for full coverage in Trenton and other New Jersey cities.
*Quotes generated for Insurify users in and around Trenton, New Jersey within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Trenton, New Jersey within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in New Jersey
New Jersey law requires drivers to have proof of insurance.[2] The three types of mandatory coverage are:
Liability
Personal injury protection, also called no-fault coverage, which pays medical expenses if you or your passengers suffer injuries in a car accident, regardless of who caused the accident[3]
Uninsured motorist coverage, which protects you if you’re in an accident with an uninsured or underinsured driver
New Jersey offers a basic policy and a standard policy. Basic policies include minimum required liability and personal injury protection and are advised for people with few assets.[4] Standard policies expand those coverage amounts and offer uninsured motorist coverage, as well as optional collision and comprehensive coverages.
Here are the minimum coverage amounts New Jersey requires:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
| Personal injury protection |
|
Good to Know
A basic policy limits your (or another covered person’s) right to sue the at-fault driver for death and certain injuries, such as loss of a body part or disfigurement.[3] Drivers with the standard policy may choose between a limited and an unlimited right to sue.
Cheapest car insurance for drivers with an incident
Drivers who have an incident on their record — such as an at-fault accident, a speeding ticket, a driving under the influence citation, or another traffic violation — often see their rates increase. This is because an incident makes you riskier in the eyes of insurers, and with that added risk comes a higher price on your policy. The extra charge could stay with you for a few years.
The table below shows how incident types can affect quotes.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| NJM | $91 | $126 | $126 | $135 |
| CSAA | $92 | $117 | $117 | $134 |
| Plymouth Rock | $96 | $129 | $129 | $155 |
| GEICO | $115 | $144 | $144 | $186 |
| Foremost | $145 | $196 | $196 | $235 |
| Mercury | $149 | $200 | $200 | $223 |
| State Farm | $210 | $260 | $260 | $340 |
| Progressive | $218 | $271 | $271 | $353 |
| Travelers | $272 | $343 | $343 | $440 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Drivers usually pay their lowest rates between the ages of 35 and 70. Before age 35, higher accident rates due to inexperience and immaturity raise rates, especially for the youngest drivers.
Later, frailty and declining health become additional risk factors. By age 70, drivers have a higher risk of serious accident-related injury or death, and this results in higher car insurance premiums.
The following chart shows how dramatically rates decline as young drivers age — and how those rates rise again after age 70.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $278 |
| 20s | $174 |
| 30s | $137 |
| 40s | $135 |
| 50s | $125 |
| 60s | $110 |
| 70s | $107 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Trenton, NJ
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Trenton car insurance quotes by credit tier
Insurance companies use a metric called a credit-based insurance score to predict how likely customers are to file a claim. Although these scores aren’t the same as credit scores, New Jersey insurance companies are allowed to use your credit history to calculate them.
Maintaining excellent or good credit may get you a lower rate than you’d pay with poor credit.
This table illustrates the effect credit has on your monthly insurance costs.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Trenton car insurance FAQs
Looking for more information to help you secure the best car insurance in Trenton? Consult the answers below.
How much is car insurance in Trenton?
The average rate for car insurance in Trenton is $177 per month. The average rate for full coverage is $228, and the average rate for liability is $126 per month.
Who has the cheapest car insurance in Trenton?
The cheapest insurer in Trenton is NJM, offering liability-only insurance at $91 per month. CSAA and Plymouth Rock also offer low rates to Trenton customers, at $92 and $96 per month, respectively.
What are the best car insurance companies in Trenton?
Three of the top car insurance companies in Trenton are NJM, State Farm, and USAA. NJM has a strong market presence and earns high ranks for its customer service. State Farm is the nation’s largest insurer (in terms of policies written) and offers competitive rates. Finally, USAA serves military members and their families through low rates and other financial services.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in New Jersey
Sources
- FBI: UCR. "Crime rate statistics."
- New Jersey Motor Vehicle Commission. "Insurance Requirements."
- NOLO. "New Jersey No-Fault Car Insurance."
- New Jersey Department of Banking and Insurance. "Get Legal with New Jersey's Basic Auto Insurance Policy."
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Daria Kelly Uhlig
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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