Where can I get pay per mile insurance in New Jersey?

Yes, Metromile offers full coverage insurance for customers who choose to buy it. Metromile sells all the components of full coverage, including liability, collision, and comprehensive coverage, plus any type of insurance that a state might require, such as uninsured motorist insurance or personal injury protection.

It’s important to note that Metromile policies are always pay-per-mile, which means that customers pay a monthly rate and a small per-mile fee rather than a consistent premium. Also, … read full answerfull coverage is just an unofficial designation for a policy that includes the state’s minimum required coverage as well as collision and comprehensive insurance.

Current and potential Metromile customers can call the company at 1-888-242-5204 to ask about the coverage that is available in their state. For more information, check out WalletHub’s Metromile car insurance review.

In New Jersey, drivers need $15,000 in personal injury protection insurance (up to $250,000 for certain injuries) and $5,000 in property damage liability insurance. Insurers in New Jersey offer basic and standard insurance plans, which are two different options that both fulfill the state’s coverage requirements. The difference is that standard plans are more expensive and include $15,000 per person in bodily injury liability coverage ($30,000 per accident). Standard plans also allow drivers to purchase higher PIP and property damage liability limits.… read full answer

New Jersey does not require uninsured/underinsured motorist coverage, which applies when the at-fault driver does not have any liability insurance or does not have high enough liability limits to pay for the damage. Instead, personal injury protection can pay for medical expenses for you and your passengers in New Jersey.

Here’s How Much Car Insurance Drivers Need in New Jersey:

Car Insurance for a Leased or Financed Car in New Jersey

If you lease or finance your car, you may be required to carry coverage types that are not mandatory under New Jersey law.

Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance.

You might also have to get gap insurance, which covers the difference between what you owe on your loan and what the vehicle is worth at the time of a total loss.

Even if you’re not required to carry these optional coverage types, you may still need them. You can learn more about when to drop optional coverage and the penalties for driving without insurance in New Jersey to make sure you’re paying for the coverage you need.

Car insurance in New Jersey costs $107 per month, on average, or $1,287 per year. The average cost of car insurance in New Jersey is 79% higher than the national average auto insurance premium, and New Jersey ranks 48 out of 50 for the most affordable car insurance rates in the U.S.… read full answer

Average Cost of Car Insurance in New Jersey by Category

• Clean driving record: $1,287 per year
• After an at-fault accident: $2,043 per year
• Driver with poor credit: $2,159 per year
• Teen driver: $4,267 per year
• After a DUI: $2,499 per year

There are several factors that affect how much you’ll pay for car insurance in New Jersey, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from. On average, the cheapest insurance companies in New Jersey are Geico, State Farm, and NJM Insurance. But every insurer has their own way of calculating premiums, so it’s a good idea to get quotes from at least three different companies to make sure you find the best deal.

Finally, it’s worth noting that car insurance premiums in New Jersey are average, compared to the cost of coverage in neighboring states like New York and Delaware. You can find more details in the table below.

Cost of Car Insurance in New Jersey vs. Neighboring States