New Jersey Car Insurance Rating Territories NJ Auto Insurance Rating Territories

NJ Automotive Insurance Rating Territories

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Territory 01 - Jersey City

Territory includes all that part of Hudson County east of the Hackensack River except the City of Bayonne

Territory 02 - Newark

Territory includes the entire City of Newark in Essex County

Territory 03 - Paterson

Territory includes 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 includes 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 includes the entire City of Bayonne in Hudson County

Territory 06 - Trenton

Territory includes 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 includes 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 includes 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 includes 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 includes 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 includes 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 includes 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 includes 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 includes the entire city of Atlantic City

Territory 22 - Newark Semi-Suburban

Territory includes 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 includes 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 includes 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 includes 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 includes 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 includes the entire cities of East Orange and Orange in Essex County

Territory 39 - Plainfield

Territory includes 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 includes 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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