New Jersey Auto Insurance Rating Territories

New Jersey Car Insurance Rating Territories

New Jersey Auto Insurance Buyers Guide

New Jersey Auto Insurance Rating Territories

New Jersey is divided into auto insurance rating territories. Your insurance company bases part of the price of your New Jersey car insurance policy on the claims history of all the drivers it insures in your territory. For example, rates are higher in Newark because of all the stolen automobiles. Listed below are the different New Jersey Auto Insurance Rating Territories.

Territory 01 - Jersey City

Territory comprises all that part of Hudson County east of the Hackensack River except the City of Bayonne
Territory 02 - Newark
Territory comprises the entire City of Newark in Essex County
Territory 03 - Paterson
Territory comprises all that portion of Passaic County south or east of Wayne Township including all territory and places lying within the area enclosed by the outside boundaries of the cities of Clifton, Passaic, and Paterson; and all territory and places lying within the area enclosed by the outside boundaries of the boroughs of East Paterson, Lodi, and Wallington and the City of Garfield in Bergen County
Territory 04 - Elizabeth
Territory comprises the entire City of Elizabeth and all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, cities, and townships in Union County:
- Hillside
- Kenilworth
- Linden
- Rahway
- Roselle
- Roselle Park
- Union
- Winfield
Territory 05 - Bayonne
Territory comprises the entire City of Bayonne in Hudson County
Territory 06 - Trenton
Territory comprises the entire City of Trenton and all territory and places lying within the area enclosed by the outside boundaries of the following townships in Mercer County:
- Ewing
- Hamilton
- Lawrence
Territory 07 - Camden
Territory comprises the entire City of Camden and all territory and places lying within the area enclosed by the outside boundaries of the following cities or boroughs in Camden County; Gloucester and Brooklawn; also all territory and places lying within the area enclosed by the outside boundaries of that section of Haddon Township which is west of Black Horse Pike (which includes the villages of West Collingswood Heights and Northmont).
Territory 08 - Perth Amboy
Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, city, township and places in Middlesex County:
- Avenel
- Carteret
- Carteret Junction
- Chrome
- Colonia
- East Rahway
- Edgar
- Fords
- Genasco
- Iselin
- Keasbey
- Maurer
- Ostrander
- Perth Amboy
- Port Reading
- Roosevelt
- Sewaren
- West Carteret
- Woodbridge
Territory 10 - Northern Bergen County
Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, townships and village in Bergen County:
- Allendale
- Norwood
- Alpine
- Oakland
- Bergenfield
- Old Tappen
- Bogota
- Oradell
- Closter
- Paramus
- Cresskill
- Park Ridge
- Demarest
- Ramsey
- Dumont
- Ridgewood (Village and Township)
- Emerson
- River Edge
- Englewood
- River Vale
- Englewood Cliffs
- Rockleigh
- Fair Lawn
- Saddle River
- Franklin Lakes
- Teaneck
- Glen Rock
- Tenafly
- Harrington Park
- Upper Saddle River
- Haworth
- Waldwick
- Hillsdale
- Washington
- Hohokus
- Westwood
- Leonia
- Woodcliff Lake
- Mahwah
- Wyckoff
- Midland Park
- Montvale
- New Milford
- Northvale
and all territory and places lying within the area enclosed by the outside boundaries of the following borough and township in Passaic County:
- Pompton Lakes
- Wayne
Territory 11 - Southern Bergen County
Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, city, townships and village in Bergen County:
- Carlstadt
- Cliffside Park
- East Rutherford
- Edgewater
- Fairview
- Fort Lee
- Hackensack
- Hasbrouck Heights
- Little Ferry
- Lyndhurst
- Maywood
- Moonachie
- North Arlington
- Palisades Park
- Ridgefield
- Ridgefield Park (Township and Village)
- Rochelle Park
- Rutherford
- Saddle Brook
- South Hackensack
- Teterboro
- Wood-Ridge
Territory 12 - Camden Suburban
Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs and townships in Camden County:
- Audubon
- Audubon Park
- Barrington
- Bellmawr
- Cherry Hill
- Collingswood
- Haddon (that portion lying east of Black Horse Pike)
- Haddonfield
- Haddon Heights
- Merchantville
- Mount Ephraim
- Oaklyn
- Pennsauken
- Tavistock
- Wood-Lynne
Territory 13 - Camden County (Balance)
That portion of Camden County not included in Camden or Camden Suburban territory
Territory 14 - Salem County (entire county) and Burlington County (Balance)
That portion of Burlington County not included in Trenton Suburban territory
Gloucester County (entire County)
Territory 15 - Trenton Suburban
Territory comprises all of Mercer County not included in Trenton territory and all territory and places lying within the area enclosed by the outside boundaries of the following city and townships in Burlington County:
- Bordentown
- Chesterfield
- North Hanover
all territory and places lying within the area enclosed by the outside boundaries of the following borough and townships in Middlesex County:
- Cranbury
- Jamesburg
- Monroe
- Plainsboro
and all territories and places lying within the area enclosed by the outside boundaries of the following townships in Monmouth County:
- Millstone
- Upper Freehold
Territory 16 - Long Branch
Territory comprises the entire cities of Asbury Park and Long Branch and all territory and places lying within the area enclosed by the outside boundaries of the following boroughs and townships in Monmouth County:
- Allenhurst
- Atlantic Highlands
- Avon-by-the-Sea
- Belford
- Belmar
- Bradley Beach
- Cliffwood
- Deal
- East Keansburg
- Eatontown
- Fair Haven
- Fairview River Plaza
- Green Grove
- Hazlet
- Highlands
- Interlaken
- Keansburg
- Keyport
- Leonardo
- Little Silver
- Matawan (Borough and Township)
- Middletown
- Monmouth Beach
- Navesink
- Neptune
- Neptune City
- New Shrewsbury
- Oakhurst
- Ocean
- Oceanport
- Port Monmouth
- Raritan
- Red Bank
- Rumson
- Sea Bright
- Shrewsbury (Borough and Township)
- Union Beach
- Wanamassa
- Wayside
- West Long Branch
Territory 17 - Monmouth County (Balance)
That portion of Monmouth County not included in Long Branch or Trenton Suburban territories
Territory 19 - Atlantic City
Territory comprises the entire city of Atlantic City
Territory 22 - Newark Semi-Suburban
Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the towns of Belleville and Irvington in Essex County
Territory 23 - Hudson County (Balance)
That portion of Hudson County not included in Bayonne and Jersey City territories
Territory 24 - Essex County (Balance)
That portions of Essex County not included in East Orange - Orange, Newark, Newark Semi-Suburban and Newark Suburban territories
Territory 25
Dover - Territory comprises all that part of Morris County not included in Morristown territory and all territory and places lying within the area enclosed by the outside boundaries of the following boroughs and township in Passaic County:
- Bloomingdale
- Ringwood
- Wanaque
- West Milford
(Note: This includes all of Passaic County north and west of Pompton Lakes)
Morristown - Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, towns and townships in Morris County:
- Boonton (Town and Township)
- Mine Hill
- Butler
- Montville
- Chatham (Borough and Twonship)
- Morris
- East Hanover
- Morris Plains
- Florham Park
- Morristown
- Hanover
- Mountain Lakes
- Harding
- Parsippany-Troy Hills
- Kinnelon
- Passaic
- Lincoln Park
- Pequannock
- Madison
- Riverdale
- and all territory and places lying within the area enclosed by the outside boundaries of the following borough, city and township in Union County:
- Berkeley Heights
- Summit
- New Providence (Borough)
Somerville - Territory comprises all the territory in Somerset County except the township of Green Brook (formerly North Plainfield) and the boroughs of North Plainfield and Watchung and except all territory and places lying within the area enclosed by the outside boundaries of Franklin Township.
Territory 26
Hunterdon County (entire County)
Sussex County (entire County)
Warren County (entire County)
Territory 27 - Atlantic County (Balance)
That portion of Atlantic County not included in the Atlantic City territory
Cape May County (entire County)
Cumberland County (entire County)
Ocean County (entire County)
Territory 31 - Newark Suburban
Territory comprises all territory and places within the area enclosed by the outside boundaries of the following boroughs, cities, towns, townships and village in Essex County:
- Bloomfield
- Cedar Grove
- Glen Ridge
- Maplewood
- Millburn
- Montclair
- Nutley
- South Orange
- Verona
- West Orange
Territory 38 - East Orange - Orange
Territory comprises the entire cities of East Orange and Orange in Essex County
Territory 39 - Plainfield
Territory comprises the entire city of Plainfield and all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, city, town and townships in Union County:
- Clark
- Cranford
- Fanwood
- Garwood
- Mountainside
- Plainfield
- Scotch Plains
- Springfield
- Westfield
and all territory and places lying within the area enclosed by the outside boundaries of the following boroughs and township in Somerset County:
- Greenbrook
- North Plainfield
- Watchung
Territory 40 - New Brunswick
Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, cities and townships in Middlesex County:
- Dunellen
- East Brunswick
- Edison (formerly Raritan)
- Helmetta
- Highland Park
- Madison
- Metuchen
- Middlesex
- Milltown
- New Brunswick
- North Brunswick
- Piscataway
- Sayreville
- South Amboy
- South Brunswick
- South Plainfield
- Spotswood
- South River
and the township of Franklin in Somerset County

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New Jersey Auto Insurance Rating Territories

New Jersey Car Insurance Rating Territories

New Jersey Auto Insurance Buyers Guide

� New Jersey Auto Insurance Rating Territories