What is Ressom Financial Services?

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What is the cheapest car insurance in New Jersey?

The cheapest car insurance in NJ varies by driver profile and ZIP code. As an independent broker, Ressom Financial Services compares 100+ carriers including Progressive, GEICO, Allstate, Encompass, and Mercury to find the lowest rate for each individual. Our customers save an average of $887/year. Call (973) 677-1313 for a free comparison.

What is the minimum auto insurance required in New Jersey?

New Jersey requires minimum auto insurance of 15/30/5: $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage. NJ is also a no-fault state requiring Personal Injury Protection (PIP) of at least $15,000. We recommend higher limits of 50/100/50 or more for better protection.

Is New Jersey a no-fault insurance state?

Yes, New Jersey is a no-fault state. After an accident, your own PIP (Personal Injury Protection) coverage pays for your medical expenses regardless of who caused the accident. NJ drivers choose either a 'basic' or 'standard' policy, which affects your right to sue. We explain both options and help you choose the best policy for your needs.

How can I lower my car insurance in New Jersey?

You can lower your NJ car insurance by: comparing quotes from 100+ carriers (average savings $887/year with our agency), bundling auto and home insurance (10-25% discount), enrolling in a telematics/safe driver program, maintaining a clean driving record, raising your deductible, and taking a defensive driving course. Call (973) 677-1313 for a free review.

Does Ressom Financial Services offer SR-22 in New Jersey?

Yes. We help NJ drivers who need SR-22 certificates — required after DUI, license suspension, or serious violations — get compliant coverage quickly. We work with carriers specializing in high-risk NJ drivers.

Cheap Auto Insurance in New Jersey — Compare 100+ Carriers

Ressom Financial Services compares Progressive, GEICO, Allstate, State Farm, Travelers & 100+ NJ-licensed carriers to find your cheapest car insurance rate. Free quotes in 2 minutes. Save up to $887/year.

(973) 677-1313

Compare 100+ Carriers

Get quotes from Progressive, GEICO, Allstate, and more

Save Up to $887/Year

Our customers save an average of $887 annually

Licensed NJ Agents

Expert guidance from licensed New Jersey insurance agents

Why Choose Auto Insurance in New Jersey?

Comprehensive Coverage: New Jersey requires liability insurance with minimum limits of 15/30/5. We help you find the right coverage for your needs.

Multiple Discount Options: Save with bundling, safe driver, good student, and multi-vehicle discounts.

Local Expertise: Based in South Orange, we understand New Jersey roads, weather, and insurance requirements.

New Jersey Auto Insurance Requirements

New Jersey law requires all drivers to carry minimum auto insurance coverage:

Bodily Injury Liability: $15,000 per person / $30,000 per accident
Property Damage Liability: $5,000
Personal Injury Protection (PIP): $15,000 minimum
Uninsured/Underinsured Motorist Coverage: $15,000 per person / $30,000 per accident

Serving All of New Jersey

Ressom Financial Services provides auto insurance coverage throughout New Jersey including:

Essex County

Newark
East Orange
Montclair
South Orange

Hudson County

Jersey City
Hoboken
Union City
Bayonne

Morris County

Morristown
Parsippany
Dover
Madison

Passaic County

Paterson
Clifton
Passaic
Wayne

Ready to Save on Auto Insurance in New Jersey?

Get your free quote today and see how much you can save