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Best Local Car Insurance Agencies in New Jersey

Our Recommended Top 16

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored New Jersey local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

5040Reviewed

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16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving New Jersey
Elizabeth

Expertise.com Rating

Review Sources

Google
4.8 (110)
Facebook
5.0 (7)
Yelp
1.0 (1)

Why choose this provider?

Angel Rodriguez is a State Farm insurance agent who serves clients in New Jersey. He offers some of the cheapest car insurance policies that help clients recover from traffic accidents, theft, fire, and other catastrophic events. Rodriguez assists clients in purchasing life, health, and personal and commercial liability insurance plans that fit their needs. He has been with State Farm since 2009. His agency has won several awards and recognitions, making it one of the major insurance agencies in the state.

Best Local Car Insurance Agencies Serving New Jersey
Southampton

Expertise.com Rating

Review Sources

Google
5.0 (90)
Facebook
5.0 (33)
Yelp
1.5 (2)

Why choose this provider?

Remco Insurance Services is an independent agency that caters to clients in New Jersey. It helps car owners comply with state auto laws through car insurance policies. The agency also educates its clients on various coverage options, from property damage liability to uninsured motorist coverage. It has experience insuring other types of vehicles, like RVs and trucks. The agency represents multiple carriers, including State Auto, Travelers, The Hartford, and Progressive. Its president, Marc Grossman, has over a decade of industry experience.

Best Local Car Insurance Agencies Serving New Jersey
Toms River

Expertise.com Rating

Review Sources

Google
5.0 (191)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Steve Meehan is a State Farm agent who caters to individuals and businesses in New Jersey. He has been in the industry for over 26 years, addressing the client's insurance needs. Meehan specializes in car insurance covering various options, such as rental, rideshare, comprehensive, and collision insurance. This policy covers commercial, rental, antique, sports, and classic cars. His other products include home, life, health, and business insurance. His additional services include annuities, banking, and mutual funds.

Best Local Car Insurance Agencies Serving New Jersey
Clifton

Expertise.com Rating

Review Sources

Google
5.0 (39)
Facebook
5.0 (6)

Why choose this provider?

Sadowski Insurance Agency is a team of the best independent risk management advisors serving New Jersey. They protect drivers through customizable insurance plans, which may include liability, emergency road service, and car rental expenses coverage. They also furnish policies that help motorists recover losses from theft, flood, and fire. The agents guide clients in the process of switching insurance carriers in the event that they wish to change their existing policies. Some of the providers they work with include MetLife, Progressive, and Liberty Mutual.

Best Local Car Insurance Agencies Serving New Jersey
Clifton

Expertise.com Rating

Review Sources

Google
4.5 (30)

Why choose this provider?

Jaymar Agency is a business that has been providing insurance services in English and Spanish to New Jersey clients since 1982. It offers a wide range of the best car insurance coverage options including the minimum liability required by the state, protection against fire and theft, and collision. Its team of professionals crafts insurance policies for homeowners and businesses. In addition to providing income tax returns and public notary services, the agency has vacation packages to make travel safer for clients.

Best Local Car Insurance Agencies Serving New Jersey
Hasbrouck Heights

Expertise.com Rating

Review Sources

Google
5.0 (215)
Facebook
4.6 (11)
Yelp
4.0 (4)

Why choose this provider?

Frank Petronella is an insurance agent who provides the best services to families and individuals in New Jersey and surrounding areas. He has been working for State Farm since 2009, providing auto, home, life, and business insurance. His auto insurance policy covers rental, rideshare, collision, and comprehensive coverage. His additional services include assistance with banking, annuities, and mutual funds. He received recognition as one of the Top 3% of the 19,200 agents from State Farm. Petronella and his staff members can also communicate in Spanish.

Best Local Car Insurance Agencies Serving New Jersey
King of Prussia

Expertise.com Rating

Review Sources

Google
5.0 (44)
Facebook
5.0 (25)

Why choose this provider?

Kane Insurance Group, LLC, is a risk management specialist that serves individuals, families, and businesses in New Jersey. Its team of independent agents writes the best policies that protect drivers of antique cars and recreational vehicles. Keeping up to date on the changes of car insurance coverages allows them to address clients' unique needs. In addition, they furnish plans that protect boats, homes, vacant properties, and small businesses. Kane Insurance Group is headed by Daniel Kane, who has a background in finance and business administration.

Best Local Car Insurance Agencies Serving New Jersey
West Long Branch

Expertise.com Rating

Why choose this provider?

LG Insurance Agency has been serving customers in New Jersey since 2009. It offers auto, home, and life insurance, in addition to surety bonds and professional liability coverage. Its auto insurance has collision, comprehensive, bodily injury, and high-risk auto coverage options. This policy may also include property damage, roadside assistance, and personal injury protection. The company supports numerous local organizations, including Shore to Help and Zynergy Cares. It is a member of the Greater Long Branch Chamber of Commerce.

Best Local Car Insurance Agencies Serving New Jersey
Forest Hills

Expertise.com Rating

Review Sources

Facebook
5.0 (27)
Google
4.7 (7)
Yelp
5.0 (3)

Why choose this provider?

Allegiance Financial Group - Forest Hills is a family-owned and family-operated insurance brokerage serving New Jersey. It offers a broad range of risk management solutions, including auto insurance. Whether clients are looking to protect personal or commercial vehicles, its team of independent insurance advisors writes policies designed around clients' car models and makes. They find cheap coverage options by reviewing and comparing plans from multiple providers such as MetLife and Mercury. They also offer risk management assistance for individuals and businesses in New York.

Best Local Car Insurance Agencies Serving New Jersey
Caldwell

Expertise.com Rating

Review Sources

Google
4.6 (37)
Facebook
4.8 (21)

Why choose this provider?

DeStefano Associates, LLC, is an independent insurance agency that has been serving New Jersey since 1961. It helps individuals and businesses in securing their financial futures if ever they or their vehicles encounter unforeseen perils, such as fire and theft. A wide range of insurance coverage options is available for liability, collision, or medical payments. The agency partners with multiple carriers to offer tailored policies, including AmTrust Financial, Plymouth Rock Assurance, and Farmers Insurance Company of Flemington.

Best Local Car Insurance Agencies Serving New Jersey
Parsippany

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Thornton Agency, Inc., offers a wide range of personal and business insurance products in New Jersey. It provides financial protection through its car insurance plans, which include comprehensive, collision, liability, property damage, and uninsured motorist coverages. Its agents also furnish motorcycle, life, homeowners', and renters' insurance plans. In addition, they write workers' compensation, commercial property, and employment practices and cyber liability policies. Thornton Agency has been delivering customized risk management solutions for more than 40 years.

Best Local Car Insurance Agencies Serving New Jersey
Paterson

Expertise.com Rating

Review Sources

Google
4.9 (1542)
Yelp
3.0 (2)

Why choose this provider?

Frantz Gaston Jr. is the number one State Farm agent in New Jersey who serves individuals and businesses in the state. He started serving the community in 2007, addressing clients' insurance and financial needs. He offers auto, home, life, and business insurance, in addition to annuities and banking services. His auto insurance policy includes rental, sports, and antique cars coverage. The policy also covers collision, comprehensive, and rideshare insurance. To give back to the community, Frantz supports various civic organizations, including Oasis Woman, Eva's Kitchen, and Children's Shelter.

Best Local Car Insurance Agencies Serving New Jersey
Glen Rock

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Community Insurance Group is an independent agency that serves individuals, families, and businesses in New Jersey. It offers car insurance plans that protect policyholders against liabilities and repair costs following theft, vandalism, or natural disasters. The agency also provides insurance products for boats, commercial liabilities, and cargoes. It represents multiple insurance companies, including Encompass, Foremost, and Hagerty, allowing it to provide coverage options tailored to the unique needs of clients. The family-owned agency, which was founded in 1985, is currently managed by Robert and Jeffrey Hargrove.

Best Local Car Insurance Agencies Serving New Jersey
East Brunswick

Expertise.com Rating

Review Sources

Google
4.7 (131)
Facebook
4.9 (80)
Yelp
4.5 (7)

Why choose this provider?

Alex Escobar is a State Farm agent serving New Jersey. He has been in the industry for more than two decades, providing auto, home, health, life, and business insurance. His auto insurance policy includes collision, rideshare, rental, and comprehensive insurance, protecting clients from financial responsibility for damages due to theft, fire, and vandalism. Escobar is a member of the Middlesex County Chamber of Commerce. He is also a qualifier of various State Farm awards, including Ambassador Travel and President's Club.

Best Local Car Insurance Agencies Serving New Jersey
Nutley

Expertise.com Rating

Review Sources

Google
4.8 (53)
Facebook
5.0 (24)
Yelp
5.0 (5)

Why choose this provider?

Esposito Insurance Group is an agency that has been operating in New Jersey since 1979. It offers a wide range of the best personal auto insurance coverage options including comprehensive, collision, liability, medical payments and personal injury protection, and uninsured and underinsured motorists. Commercial auto insurance is available for cars, trucks, vans, employee-owned automobiles, and even vehicles that are leased or hired by a company. The company provides insurance plans for homes, technology companies, and real estate investors.

Best Local Car Insurance Agencies Serving New Jersey
Goshen

Expertise.com Rating

Review Sources

Google
5.0 (52)
Yelp
5.0 (2)

Why choose this provider?

J. Hoffman Insurance is an independent agency that serves vehicle owners and drivers in New Jersey. It works with various carriers to create the best car insurance plans for its clients. Its offers different policy types, including comprehensive and collision, personal injury protection and liability, and property damage liability. Plans that cover accidents involving underinsured or uninsured drivers, as well as towing and labor are also available. Owner and president Jason Hoffman brings two decades of insurance industry experience.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Angel Rodriguez
815 Elizabeth Avenue, Elizabeth, NJ 7201
Remco Insurance Services
44 2nd Street Pike, Southampton, NJ 18966
Steve Meehan
617 Route 37 West, Toms River, NJ 8755
Sadowski Insurance Agency
258 Dayton Avenue, Clifton, NJ 7011
Jaymar Agency
99 1st Street, Clifton, NJ 7011
Frank Petronella
339 Boulevard, Hasbrouck Heights, NJ 7604
Kane Insurance Group, LLC
700 American Avenue, King of Prussia, NJ 19406
LG Insurance Agency
804 Broadway, West Long Branch, NJ 7764
Allegiance Financial Group - Forest Hills
118-35 Queens Boulevard, Forest Hills, NJ 11375
DeStefano Associates, LLC
307 Bloomfield Avenue, Caldwell, NJ 7006
Thornton Agency, Inc.
333 Littleton Road, Parsippany, NJ 7054
Frantz Gaston Jr
750 Broadway, Paterson, NJ 7514
Community Insurance Group
139 Harristown Road, Glen Rock, NJ 7452
Alex Escobar
740 New Jersey 18 North, East Brunswick, NJ 8816
Esposito Insurance Group
89 Franklin Avenue, Nutley, NJ 7110
J. Hoffman Insurance
301 Main Street, Goshen, NJ 10924

New Jersey Car Insurance Agency FAQs

  • Is it mandatory for drivers in New Jersey to maintain an active car insurance policy?

    Yes, drivers in New Jersey are required to have car insurance, including personal injury protection (PIP) coverage. PIP pays for medical expenses and passenger injuries caused by accidents, regardless of fault. This coverage can be combined with existing health insurance or purchased separately. It is critical to ensure that PIP covers the same medical conditions as one's health insurance. Furthermore, the policy can include optional features such as a death benefit and coverage for funeral expenses.

  • What is the no-fault auto insurance law of New Jersey?

    Following an accident, drivers must file claims with their insurance companies under New Jersey's no-fault auto insurance law. This system requires Personal Injury Protection (PIP) coverage, which covers medical bills and related expenses. While New Jersey is a no-fault state, individuals can retain full tort rights, allowing them to sue for medical expenses and non-economic damages. It is important to note, however, that this option may result in higher insurance premiums.

  • What does New Jersey car insurance roadside assistance cover?

    In New Jersey car insurance policies, roadside assistance includes delivering up to 3 gallons of fuel, jump-starting a dead battery, unlocking your vehicle with proper ID verification, changing a flat tire with a spare, and towing for vehicle breakdowns. It is also important to understand that, while towing is usually covered, repair costs are not.

  • What are the penalties for driving without a car insurance policy in New Jersey?

    Driving without car insurance is a serious offense in New Jersey. First-time offenders face a one-year license suspension, a $300 fine, and a $750 surcharge spread out over three years. For repeat offenders, fines of up to $5,000 and a mandatory 14-day jail sentence are possible. It is important to note that the first offense does not result in points on your license. Nonetheless, a second offense can result in nine points, resulting in significant increases in insurance rates.

  • Is it possible for drivers in New Jersey with a DUI record to find affordable car insurance policies?

    Drivers with a DUI record can still obtain automobile insurance in New Jersey. They cannot, however, have an affordable plan. The cost of car insurance for drivers with DUI records is higher than for those with clean driving records. DUI penalties in New Jersey are severe, with a 10-year step-down provision. Individuals with a DUI record may also be required to attend alcohol education classes.