New Jersey drivers save with pay per mile car insurance

  • Customize your coverage options
  • Connect your car with our secure device to count your miles
  • Start saving with a low monthly base rate plus a few cents per mile

What New Jersey customers say

“After finding Metromile, not only do I save over $120 a month, but the simplicity of Metromile is just superb.

Hanud N.
West New York, New Jersey

Best insurance I’ve had thus far. My car died on the highway, and they were there for me in under 30 minutes. Super supportive when needed to help with my car.”

Michelle C.
Fort Lee, New Jersey

“Rates have been very affordable and customer service has always been very responsive and helpful.

Karen L.
Newark, New Jersey

“I highly recommend Metromile. This is an auto insurance breakthrough. I have saved $55 a month.

Ralph C.
Hackettstown, New Jersey

Amazing rates and super quick response to emails! The agent helping me was amazing. Won’t go with anyone else ever again.”

Brandi V.
Phillipsburg, New Jersey

“I don’t go out regularly now, with my wife being retired too. I don’t need to pay when I don’t use it. I love it.

Antonio R.
Lincoln Park, New Jersey

How it works

You’ll pay a low monthly rate, plus a few cents for each mile you drive.

Check your rate
Example
$29 + (450 x 6¢) =  $56

On average,
drivers New Jersey drivers
save $741/year*

Our rates start at $29/mo for New Jersey drivers, plus a few cents for each mile you drive.

Check your savings

All miles over 250 per day are free

You’ll never have to worry about “going over” on your miles – all miles over 250 in one day are free.

New Jersey, we’ve got you covered

We offer flexible coverage options that you can customize to meet your needs.

Collision

Accidents with another vehicle, a fixed object, motorists, and more.

Comprehensive

Coverage for things that are out of your control like weather, animals, and theft.

Everything else

Roadside assistance, glass repair, and 24/7 support from our claims team.

State Requirements in New Jersey

For more information, please visit the Help Center.

See all of our FAQs

What are the state minimum requirements in New Jersey?

Car insurance is important: it can help protect your vehicle, your finances, and your wellbeing. 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
  • $15,000 in personal injury protection
You may also want to consider higher limits or adding comprehensive, collision, and other coverage for extra peace of mind. With Metromile, you can personalize your policy for your lifestyle and needs.

What coverage options do you offer?

Even though you can pay less with pay-per-mile insurance, you’ll still have the same great coverage that you’re used to. We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.

Can I still get the same coverage options?

Yes! You’ll still have the same amazing coverage that you are used to, with various deductibles and optional comp & collision coverage.

Do you offer full coverage?

We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.

Filing a claim is easy

For a simple, easy experience, you can file a claim in the app or online. We’ll guide you through each step of the process. We can even expedite your claim with help from our AI-assisted system.

Learn more about claims

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Metromile iOS and Android App

An app that puts you in control

You can view your trips, understand your car’s health, avoid tickets with street sweeping alerts (available only in select cities), and find your lost or stolen car, all from the Metromile app.

Plus, we have a 92% stolen car return rate.

Learn more about our tech

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Get an instant quote today

Try it risk free — we don’t charge cancellation fees.

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4.7 stars as rated on the App Store