Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in New Jersey Average car insurance cost in New Jersey The average full coverage car insurance cost in New Jersey is $2,736 annually, or $228 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University. | Updated on: February 23, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $2,736 a year or $228 per month for New Jersey drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $1,124 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $2,736 Average per month cost $228 Average cost for state minimum coverage $1,199 / Year Cheapest car insurance company NJM$2,134 / Year Average cost for young drivers $4,539 / Year Average cost for Senior drivers $2,828 / Year 012345 1 of 6 Average car insurance cost in New Jersey If you live in New Jersey can expect to pay an average of $228 per month for full coverage car insurance – that’s $2,736 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $94 monthly or $1,124 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in New JerseyIf you’re looking for affordable insurance, NJM tops the list of the cheapest car insurance companies. Its average annual cost is $2,134 per year or $178 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Selective Insurance also provides affordable insurance rates in New Jersey for a full coverage policy at an average annual insurance cost of $2,232 or $186 monthly.While these companies offer some of the lowest average premiums in New Jersey, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in New Jersey Graph Table Company nameAverage per month costAverage annual costNJM$178$2,134Selective Insurance$186$2,232Plymouth Rock Assurance$200$2,400GEICO$207$2,487Travelers$215$2,579Farmers$226$2,712Progressive$256$3,071Allstate$267$3,206State Farm$318$3,819The Hanover$463$5,557Powered by: Powered by: New Jersey car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra New Jersey Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State New Jersey Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$1,209/year Full Coverage$2,393/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in New JerseyYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $94 per month or $1,124 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In New Jersey, drivers typically pay $228 per month or $2,736 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$1,124Liability only$1,199Full coverage$2,736Non-owner state minimum liability$708Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in New Jersey by citySee rates in your cityCliftonElizabethJersey CityNewarkPaterson Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in New Jersey by cityCar insurance rates can vary widely depending on where you live, even within New Jersey.Cities like Newark, Paterson, or Elizabeth tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Trenton or Bayonne, with average annual premiums between $3,052 and $3,307.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costTrenton$3,052Bayonne$3,307Clifton$3,384Jersey City$3,414Camden$3,613Passaic$3,764East Orange$3,783Elizabeth$3,787Paterson$3,790Newark$3,968Powered by:Average car insurance cost in New Jersey by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in New Jersey, based on age and gender.Average car insurance cost in New Jersey for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in New Jersey pays an average of $6,276 annually for car insurance, compared to $5,395 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $3,297 per year for male drivers and $3,087 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$6,276$5,39521$4,951$4,41522$4,737$4,30323$4,162$3,80624$3,879$3,459Powered by:Average car insurance cost in New Jersey for adult driversAn adult driver aged 25-60 in New Jersey pays $2,737 annually for full coverage, or around $228 each month. Women in the same age group pay $2,695 per year or $225 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,297$3,08730$2,875$2,83635$2,812$2,77540$2,746$2,72545$2,681$2,67450$2,520$2,55555$2,475$2,45860$2,476$2,436Powered by:Average car insurance cost in New Jersey for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,712 annually, while women pay $2,635.By 70, average rates go up to $2,844 for men and $2,763 for women. At age 75, costs increase further, reaching $3,073 for men and $2,952 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,712$2,63570$2,844$2,76375$3,073$2,952Powered by:Minimum car insurance requirements in New JerseyWhether you’re buying your first insurance policy or just moved to New Jersey, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in New Jersey must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in New JerseyThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Chevrolet Express is one of the cheapest cars to insure in New Jersey, with an average premium of $1,884 per year. Honda HR-V has an average annual cost of $1,902.The table below shows the cars with the lowest average insurance rates.Make ModelAverage annual premiumChevrolet Express$1,884Honda HR-V$1,902Volkswagen Tiguan$1,910Chevrolet TrailBlazer$1,935GMC Savana$1,964Hyundai Kona$1,964Volkswagen Taos$1,975Mazda CX-5$1,981Jeep Wrangler$1,995Honda CR-V$2,009Powered by:Most expensive cars to insure in New JerseyMaserati Quattroporte is one of the most expensive vehicles to insure in New Jersey, with an average annual cost of $5,574.Below is a list of the costliest vehicles to insure in New Jersey and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$5,574Maserati Ghibli$4,904BMW M8 Gran Coupe$4,869Mercedes-AMG EQS$4,769BMW M8$4,712Porsche 911 Turbo$4,704Audi RS7$4,640Tesla Model X$4,587Audi S8$4,557Nissan GT-R$4,554Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in New JerseyCheapest car insurance companies in New JerseyAverage cost of car insurance by coverage levels in New JerseyAverage car insurance cost in New Jersey by cityAverage car insurance cost in New Jersey by ageMinimum car insurance requirements in New JerseyCheapest cars to insure in New JerseyMost expensive cars to insure in New JerseyMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330