How New Jersey Drivers Can Save on Auto Insurance

Whether you live in Camden, Newark, or Jersey City or closer to the Kittatinny Mountains or the Shore, chances are you could get more from your car insurance coverage.

Pay-per-mile auto insurance can help New Jersey drivers save money while keeping the same or better coverage.

How to save on auto insurance in New Jersey

Many New Jersey drivers could be overpaying for auto insurance because they do not pay per mile. More than 124 million Americans could be overpaying already.

A good way to save is pay-per-mile auto insurance. These “pay as you go” or “pay as you drive” auto insurance policies are based on how far you drive. Because it focuses on your actual driving, it can be fairer and give you more control over how much you want to pay for auto insurance.

Savings can be considerable for drivers. It is common for drivers to save as much as $947 a year, according to a recent survey of new customers who saved with Metromile.

Miles driven per yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

You can find out whether Metromile and pay-per-mile auto insurance is right for you for free.

Metromile’s Ride Along™ helps drivers get a more accurate rate before they buy. Taking this step can help you understand whether you could save with pay-per-mile car insurance.

New Jersey drivers can download the Metromile app and drive with us for about two weeks. Metromile observes your actual driving, including how many miles you drive, to show you your rate.

There are also additional auto insurance discounts available for New Jersey drivers.

Metromile customers can install safety equipment or features in their cars to earn a lower rate. Drivers who insure multiple cars on the same policy can also save. Senior drivers can save on auto insurance in recognition of their safer and mature driving practices.

How are auto insurance rates determined in New Jersey?

Insurance companies in New Jersey consider many factors when setting rates. Some of the most common include coverage limits and deductibles, claims history, driving history, vehicle type, vehicle theft rates, and many others.

Auto insurance rates can change over time, so it is important to shop around regularly. 

Drivers can control their costs with pay-per-mile auto insurance. Metromile customers’ bills update in almost real time because they pay per mile, which can be fairer for drivers.

Metromile charges a base rate and a per-mile rate, usually just a few cents for each mile driven, each month. The low monthly base rate keeps your car covered, even when you might not be driving, almost like how a cell phone provider might charge you a small fee to keep your telephone number and line operating.

What auto insurance coverage do I need in New Jersey?

Making sure you have the right amount of car insurance is important. This is why Metromile provides flexible coverage options, which can be customized for every driver’s needs.

New Jersey state minimum requirements for car insurance are $15,000 per person and $30,000 per accident in bodily injury liability coverage, $5,000 in property damage liability coverage, $15,000 per person or accident in uninsured motorist bodily injury coverage, and $15,000 in personal injury protection. 

It is common for many New Jersey drivers to add comprehensive and collision coverage or choose higher limits for extra peace of mind.

The bottom line

There are many ways to save on car insurance, and many New Jersey drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support our community of drivers with familiar coverage and provide some value as a leading pay-per-mile auto insurance company in the U.S.

If you don’t drive often or find yourself driving less than you did before, you could save with Metromile. Find out how much you could save with a free quote or take a Ride Along™ to learn more.