Where can I get pay per mile insurance in New Jersey? This question is about Pay-Per-Mile Insurance

You can get pay-per-mile insurance in New Jersey from Allstate Milewise and Metromile. Pay-per-mile insurance is a type of car insurance policy that charges drivers a daily or monthly base rate plus a few cents for each mile driven. Each policyholder’s base rate is calculated according to normal car insurance rating factors, such as driving record, age, and ZIP code. Notable Pay-Per-Mile Insurance Companies in New Jersey Allstate Metromile Pay-per-mile insurance can be an easy way for New Jersey drivers to save if they use their cars infrequently. For example, retirees, remote workers, and students who walk to class can benefit from pay-per-mile insurance. Individuals or families with an extra car that is rarely used should also consider pay-per-mile coverage. For more information, check out WalletHub’s complete guide to pay-per-mile insurance.

Ad Disclosure Ad Disclosure

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

Answer Question Report Abuse

This question is about Pay-Per-Mile Insurance

see this user

WalletHub, Financial Company

@WalletHub • 07/20/21 This answer was first published on 07/20/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

You can get pay-per-mile insurance in New Jersey from Allstate Milewise and Metromile. Pay-per-mile insurance is a type of car insurance policy that charges drivers a daily or monthly base rate plus a few cents for each mile driven. Each policyholder’s base rate is calculated according to normal car insurance rating factors, such as driving record, age, and ZIP code.

Notable Pay-Per-Mile Insurance Companies in New Jersey

Pay-per-mile insurance can be an easy way for New Jersey drivers to save if they use their cars infrequently. For example, retirees, remote workers, and students who walk to class can benefit from pay-per-mile insurance. Individuals or families with an extra car that is rarely used should also consider pay-per-mile coverage.

For more information, check out WalletHub’s complete guide to pay-per-mile insurance.

Answer Question

Is Metromile full coverage?

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 answer full 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.

show less

How much car insurance do I need in New Jersey?

Drivers in New Jersey need $5,000 of property damage liability insurance. New Jersey also requires personal injury protection (PIP) insurance. PIP covers medical expenses for you and your passengers after an accident.

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

Coverage Type	Minimum Coverage Limit … read full answer
Property Damage Liability	$5,000
Personal Injury Protection	$15,000

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. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle was worth if it gets stolen or totaled.

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.

show less

How much is car insurance in New Jersey per month?

Car insurance in New Jersey costs $107 per month or $1,283 per year for minimum coverage, on average. The cheapest car insurance companies in New Jersey are Geico, Amica, and NJM, and getting quotes from several companies can help you find the best deal.

The average cost of car insurance in New Jersey is 91% higher than the … read full answer national average auto insurance premium. There are several factors that affect how much you’ll pay for car insurance in New Jersey, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.

Average Cost of Car Insurance in New Jersey by Category

After an at-fault accident: $349 per month

Driver with poor credit: $199 per month

Teen driver: $441 per month

After a DUI: $195 per month

Average Cost of Car Insurance in New Jersey by Company

Company	Minimum Coverage	Full Coverage
Allstate	$879 per year	$2,704 per year
Amica	$523 per year	$2,210 per year
Esurance	$1,365 per year	$3,045 per year
Foremost	$1,529 per year	$3,989 per year
Geico	$450 per year	$1,336 per year
Hanover	$2,691 per year	$7,209 per year
Mercury	$1,435 per year	$3,116 per year
NJM	$591 per year	$1,726 per year
Progressive	$3,236 per year	$3,713 per year
State Farm	$958 per year	$1,971 per year

Note: Rates are an approximation based on a 45-year-old man in New Jersey with a clean driving record. Actual rates will vary.

Average Cost of Car Insurance in New Jersey by Age

Age	Average Annual Premium
16 years old	$5,286 per year
17 years old	$4,240 per year
18 years old	$3,831 per year
19 years old	$2,759 per year
20 years old	$2,475 per year
21 years old	$2,004 per year
22 years old	$1,852 per year
23 years old	$1,715 per year
24 years old	$1,623 per year
25 years old	$1,436 per year
35 years old	$1,312 per year
45 years old	$1,283 per year
55 years old	$1,238 per year
65 years old	$1,188 per year

Note: Rates are an approximation based on a driver in New Jersey with minimum coverage and a clean driving record. Actual rates will vary.

How to Lower the Cost of Car Insurance in New Jersey

Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.

Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.

Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.

Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.

To learn more, check out our guide to how much car insurance you need in New Jersey as well as our picks for the cheapest car insurance companies in New Jersey.

show less

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.