Save up to $947/year with New Jersey pay-per-mile car insurance

  • Car insurance based on your driving habits
  • The less you drive, the more you could save
  • Same great coverage—for less money

Pay-per-mile car insurance in New Jersey

New Jersey’s auto insurance law is clear: Whether you’re commuting to your job in Newark or Jersey City or taking a weekend road trip to Atlantic City or Cape May, you’ll need car insurance to be on the road legally. It’s an important New Jersey requirement that helps protect you and everyone else on the road from lawsuits and the threat of huge liability bills.

And if you’re a low-mileage driver in New Jersey we’ve got some excellent news: If you drive fewer than 10,000 miles per year, you might be able to save a lot on your auto insurance bill by choosing a new way to insure your car: pay-per-mile auto insurance from Metromile.
Pay-per-mile auto insurance works like this: First, you’ll pay a consistent monthly rate that can be as little as $29/month. Then you’ll have a low per-mile rate for the miles you actually drive in a month—a rate that can be as low as 6 cents per mile. This means that on the months you don’t drive as much, your bill will shrink, too. With Metromile, the less you drive, the more you’ll save.

That’s why Metromile can be an excellent choice for retirees, people who work from home, or people who live in urban areas and use public transportation. Our customers can save up to $947* per year, in fact—and if you’re a low-mileage driver, it won’t take long to see how much you could save.

Coverage type and New Jersey minimum requirements

Coverage

Bodily Injury Liability covers the other party’s injuries after you cause an accident.
Property Damage Liability covers other people’s property damage bill after you cause an accident.
UMBI helps pay for injuries caused by an uninsured driver.
Underinsured Motorist covers injuries in your vehicle when the at-fault driver doesn’t have enough coverage.
Personal Injury Protection helps pay expenses for you and your passengers after an accident.
Collision covers your vehicle after an accident—regardless of fault.
Comprehensive coverage repairs or replaces your vehicle for loss not caused by collision.
Rental coverage can pay for your rental car expense after a covered loss.
Roadside assistance pays to send help if your vehicle breaks down.

New Jersey minimum requirements

Standard: $15,000 limit per person/$30,000 limit per accident / Basic: $10,000
$5,000 limit (for basic or standard policies)
Required for standard policy—up to the limits selected by liability / Not required for a basic policy.
Not required
$15,000 limit (for both standard and basic policies)
No legal requirement. Most lenders require it for financed cars.
No legal requirement. Most lenders require it for financed cars.
Not required
Not required

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 minutesSuper 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 much is pay-per-mile coverage in New Jersey

So, how much is car insurance in New Jersey? Your rate for auto insurance will depend on several factors, such as where you park your car at night, your vehicle’s make and model, and the exact coverages you choose. But another major factor is the number of miles you drive per year, and that’s why Metromile’s pay-per-mile coverage can be surprisingly affordable for low-mileage drivers—that is, people who drive fewer than 10,000 miles per year.

Metromile’s policies start as low as $29 per month for the base rate (and as little as 6 cents per mile for the per mile rate). If you only drive fifty miles in a month, you’ll only pay for fifty miles in a month (in addition to the base rate, of course!).

That’s why low-mileage customers love Metromile. Our customers have saved up to $947* per year on their car insurance policies!

Get a 2-min Quote

Why get car insurance from Metromile?

Here’s why drivers love Metromile

∙ You could save up to 47%* with pay-per-mile car insurance coverage

∙ Clear communication and an easy-to-use app

∙ Get a quote in 2 minutes!

Car Insurance New Jersey FAQ

For more information, please visit the Help Center.

See all of our FAQs

Is New Jersey a no-fault car insurance state?

Yes, New Jersey is considered a no-fault state. If you’re a New Jersey driver, your insurance company will provide medical coverage for your injuries in an accident—no matter who caused the accident.

Do you need car insurance in New Jersey?

Yes, every New Jersey driver is legally required to purchase auto insurance.

What are the state minimum requirements in New Jersey?

New Jersey’s car insurance laws outline two kinds of policies—standard and basic. Every driver is required to have at least a basic policy, which includes the following minimums:

  • A $5,000 limit for property damage
  • A Personal Injury Protection limit of $15,000 per person, per accident

(Note that New Jersey’s “basic” policy is extremely minimal and most drivers will want more protection!)

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.