Ask anyone in Roxbury for directions and sooner or later they'll mention Ledgewood Circle. There's just one problem: it hasn't been a circle since the 1990s.

Car insurance in Roxbury, NJ still has to price that junction, though, circle or not. Route 10 and Route 46 meet there in a signalized T-intersection now, but the traffic volume that justified a circle in the first place never went away — it just got rerouted through traffic lights instead.

The Myth: A Circle That Explains Everything

Locals treat Ledgewood Circle like a landmark, and in a sense it still is. Older maps, GPS directions, and decades of habit kept the name alive long after NJDOT flattened the actual rotary into a standard intersection sometime in the mid-1990s. If you weren't told, you'd never guess the spot once worked like a rotary at all.

The Reality: The Traffic Never Left

What didn't change is how much traffic funnels through that corner of Roxbury. Route 10 carries Succasunna's retail strip — the township's commercial center, anchored by shopping centers like Ledgewood Commons — while Route 46 feeds directly into the Route 80 interchange a few miles north. NJDOT's own bridge project over that interchange put the daily count at roughly 92,000 vehicles crossing the Route 80 bridges over Route 46, spread across three lanes each direction.

That's a lot of exposure concentrated in a township of about 22,950 people — population that's actually ticked down slightly from 23,324 in 2010, according to Census figures, even as the roads running through it kept getting busier.

The Data: What It Costs to Drive Here

New Jersey's Standard Policy requires at least $35,000 in bodily injury liability per person, $70,000 per accident, and $25,000 in property damage as of January 1, 2026, plus $15,000 in PIP under the state's no-fault system. Statewide, minimum coverage averages $1,570 a year and full coverage averages $3,268 a year — numbers Roxbury drivers should expect to land near, with the Route 10/46 corridor pushing some ZIP codes toward the higher end.

Not every part of Roxbury carries the same exposure. The Landing section, on the south shore of Lake Hopatcong near Hopatcong State Park, is a quieter, more residential stretch than the retail-heavy corner around the old circle — worth mentioning to an agent if most of your driving happens away from Route 10.

The Advice: Shop the Road, Not the Reputation

  • Confirm your policy meets the 2026 minimums: 35/70/25 liability plus $15,000 PIP is the current statewide Standard Policy floor.
  • Mention the Route 10/46 junction and Route 80 interchange if your agent is pricing off a generic Morris County assumption — the volume there is documented, not anecdotal.
  • Carry full coverage on a financed vehicle: liability alone won't cover your own car in a fender-bender near Ledgewood Commons.
  • Re-shop after any 2026 renewal to make sure the new liability floor, not the old 25/50/25 figure, is what you're actually being quoted.

For more on how much coverage to carry above the state floor, see our minimum vs. full coverage guide.

The New Jersey Department of Banking and Insurance publishes current Standard and Basic Policy minimums and handles complaints against licensed carriers — worth a check before renewing with an insurer you haven't used before.

Roxbury's busiest corner stopped being a circle thirty years ago, but it never stopped acting like one. Shop your quote with that junction in mind, not just the name still stuck to it.