+120 more*These quotes are from Compare.com users in and around Trenton, New Jersey within the last 10 days. Updated on June 18, 2026
*These quotes are from Compare.com users in and around Trenton, New Jersey within the last 10 days. Updated on June 18, 2026
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Car insurance in Trenton, New Jersey, costs an average of $247 per month, which is higher than the national average. New Jersey’s high population density may contribute to its above-average premiums.[1]
Fortunately, many insurance companies in Trenton offer affordable car insurance rates and potential savings for drivers. For example, the cheapest companies in Trenton include, NJM, CSAA, and Plymouth Rock, with average rates starting at just $148 per month.
Let’s look at the most affordable insurers in Trenton by driver profile, how to choose the right insurance solutions, and ways to cut your car insurance costs.
NJM is the cheapest auto insurer for Trenton drivers, with an average monthly rate of $148.
Trenton drivers pay an average monthly rate of $198 for liability coverage and $296 for full coverage.
New Jersey requires all drivers to have a basic insurance policy with at least $5,000 in property damage coverage and $15,000 in personal injury protection.[2]
Even though Trenton’s average premiums tend to be higher, several insurers still offer cheap car insurance in the city. So, it’s possible for drivers to find more affordable options.
Let’s start with the table below, where we highlight the cheapest auto insurers in Trenton.
Company  | Average Monthly Premium |
|---|---|
| NJM | $148 |
| CSAA | $159 |
| Plymouth Rock | $161 |
| Bristol West | $202 |
| Progressive | $213 |
| Mercury | $244 |
| GEICO | $260 |
| Liberty Mutual | $296 |
| State Farm | $347 |
| Travelers | $448 |
The cheapest company in Trenton is NJM, with an average monthly rate of $148.
In sections below, we’ll explore the best options based on your coverage type, age, and driving history.
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While the companies listed above are a great starting point, your car insurance rates may vary significantly based on factors like your age, driving history, and ZIP code. For example, drivers living in areas with high theft rates usually pay more for car insurance.
The table below highlights the cheapest insurers in Trenton for different driver profiles and coverage types, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | NJM | $148 |
| Full coverage | NJM | $187 |
| Teens | NJM | $241 |
| Seniors | NJM | $125 |
| Drivers with a speeding ticket | NJM | $198 |
| Drivers with an at-fault accident | NJM | $167 |
| Drivers with a DUI | NJM | $238 |
| Drivers with excellent credit | NJM | $123 |
| Drivers with poor credit | NJM | $171 |
We’ve included a more detailed breakdown for each type of driver in the following sections.
The average rate for state-minimum car insurance in Trenton is $198 per month, according to Compare.com data. While opting for liability coverage may be the most affordable choice, most experts recommend purchasing more protection to avoid high out-of-pocket costs after an accident.
The chart below shows the five cheapest companies for state-minimum coverage, according to our research.
Company | Average Monthly Premium |
|---|---|
| NJM | $148 |
| CSAA | $159 |
| Plymouth Rock | $161 |
| Bristol West | $202 |
| Progressive | $213 |
| Mercury | $244 |
| GEICO | $260 |
| Liberty Mutual | $296 |
| State Farm | $347 |
| Travelers | $448 |
Choosing full-coverage car insurance can help you avoid high vehicle repair costs after an accident. In addition to liability, it typically includes comprehensive and collision coverage, which help pay for damage to your vehicle from accidents, theft, weather, and vandalism. Plus, if you lease or finance your car, lenders will require full coverage.
Drivers in Trenton pay an average of $296 per month for full coverage. If you’re looking for a better deal, check out the five cheapest insurers in Trenton for full coverage in the chart below, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| NJM | $187 |
| CSAA | $229 |
| Plymouth Rock | $239 |
| Progressive | $292 |
| Mercury | $329 |
| GEICO | $338 |
| Liberty Mutual | $358 |
| State Farm | $438 |
| Travelers | $565 |
Teen drivers often face the highest insurance rates of any age group due to inexperience and a higher risk of accidents. In fact, they have a fatal crash rate nearly three times as high as drivers ages 20 and older.[3]
The average monthly rate for teen drivers in Trenton is $402, but it’s still possible to find a better deal. If you’re looking for more affordable coverage for teens in Trenton, here are five companies offering cheaper rates, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| NJM | $241 |
| Plymouth Rock | $284 |
| CSAA | $334 |
| Bristol West | $338 |
| Progressive | $346 |
| Mercury | $423 |
| GEICO | $444 |
| Liberty Mutual | $490 |
| State Farm | $640 |
| Travelers | $889 |
Seniors often enjoy the lowest car insurance rates thanks to decades of driving experience and less risky driving behavior overall. In Trenton, the average rate for seniors is $209 per month, according to Compare.com data.
Our research shows that many insurers offer rates below this average for seniors in Trenton, so it’s worth shopping around. Consider getting quotes from the five cheapest insurers in the chart below.
Company | Average Monthly Premium |
|---|---|
| CSAA | $120 |
| NJM | $125 |
| Plymouth Rock | $130 |
| Bristol West | $167 |
| Progressive | $180 |
| Mercury | $191 |
| GEICO | $204 |
| Liberty Mutual | $243 |
| State Farm | $270 |
| Travelers | $354 |
Getting a ticket can lead to higher car insurance premiums when your policy renews, since your insurance company will see you as a higher risk to insure.[4] Even a single speeding ticket can raise rates by an average of 37% nationwide, according to Compare.com data.
In Trenton, the average rate for drivers with a recent ticket is $331 per month. But our data shows that several insurers still offer more affordable options. Here are the five cheapest companies in Trenton for drivers with a recent ticket.
Company | Average Monthly Premium |
|---|---|
| NJM | $198 |
| CSAA | $215 |
| Plymouth Rock | $219 |
| Bristol West | $264 |
| Progressive | $285 |
| Mercury | $348 |
| GEICO | $352 |
| Liberty Mutual | $390 |
| State Farm | $455 |
| Travelers | $601 |
Causing a car accident can significantly increase your car insurance premiums, worse than a ticket. Our research shows that a single at-fault accident raises average rates by 41% nationwide. The average driver in Trenton with a recent accident pays a monthly average of $279 for coverage.
Our research shows that some insurers still offer more competitive rates. You may be able to find a better deal with one of the five insurers we’ve highlighted in the chart below.
Company | Average Monthly Premium |
|---|---|
| NJM | $167 |
| Plymouth Rock | $180 |
| CSAA | $210 |
| Progressive | $241 |
| Bristol West | $248 |
| GEICO | $318 |
| Mercury | $342 |
| Liberty Mutual | $365 |
| State Farm | $428 |
| Travelers | $563 |
A DUI conviction leads to the steepest increase in car insurance rates of any violation. Our research shows that average premiums rise by 61% nationwide after a DUI. In Trenton, the average rate for drivers with a DUI is $398 per month.
Fortunately, some insurers do offer competitive rates for drivers with a DUI. If you’re struggling to find an insurance policy after a DUI, you may want to check out the five insurance companies we’ve listed in the chart below.
Company | Average Monthly Premium |
|---|---|
| NJM | $238 |
| CSAA | $243 |
| Plymouth Rock | $251 |
| Bristol West | $308 |
| Progressive | $343 |
| GEICO | $394 |
| Mercury | $395 |
| Liberty Mutual | $452 |
| State Farm | $530 |
| Travelers | $684 |
Some insurance companies factor in your credit history when setting rates, as they link poor credit to a higher likelihood of filing insurance claims.[5] Our data shows that drivers with excellent credit pay around 20% less for auto coverage than drivers with poor credit.
Trenton drivers with poor credit pay a monthly average of $286 for insurance, according to Compare.com data. But insurers in the chart below offer affordable rates even if you have less-than-perfect credit.
Company | Average Monthly Premium |
|---|---|
| NJM | $171 |
| Plymouth Rock | $186 |
| CSAA | $189 |
| Bristol West | $240 |
| Progressive | $247 |
| Mercury | $287 |
| GEICO | $310 |
| Liberty Mutual | $341 |
| State Farm | $484 |
| Travelers | $533 |
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New Jersey requires all drivers to meet minimum auto insurance requirements before operating a vehicle. The state offers two types of policies: the basic policy, which meets the minimum legal requirement, and the standard policy, which offers broader coverage
The basic policy includes:
Bodily injury liability: Optional $10,000 per accident
Property damage liability: $5,000 per accident
Personal injury protection: $15,000 per person, per accident
The standard policy includes:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident (legal minimum $5,000)
Personal injury protection: $15,000 per person, per accident
Drivers may also choose optional coverages such as uninsured/underinsured motorist coverage, collision, comprehensive, and higher liability limits.
Though having a basic policy in New Jersey meets legal requirements, it doesn’t offer much protection, especially without bodily injury coverage. Most experts recommend purchasing more than the state’s minimum limits, since even a minor accident can quickly exceed those thresholds.[6]
Such low limits can leave you exposed to medical bills or property damage above what insurers cover. Being underinsured could leave you personally responsible for tens of thousands of dollars after a serious crash.
If you have more questions, here’s some additional information about buying car insurance in Trenton, New Jersey.
Trenton drivers pay an average of $247 per month for car insurance, according to Compare.com data. That breaks down to $198 for liability coverage and $296 for full-coverage car insurance.
NJM is the cheapest insurer in Trenton, with an average monthly rate of $148, according to our data.
Yes, car insurance is expensive in Trenton. Drivers pay an average of $247 per month, compared to the national average of $140, according to Compare.com data. But your personal rates will depend on factors like your ZIP code, driving record, age, and coverage needs.
Car insurance in New Jersey costs around $220 per month, according to our data. Drivers pay an average monthly premium of $185 for liability coverage and $255 for full coverage. But coverage levels, driving history, vehicle type, and other factors will affect your overall costs.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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