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 an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 30, 2025 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 If you live in New Jersey, you can expect to pay an average of around $228 per month for full coverage car insurance, or $2,736 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $94 monthly or $1,124 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. 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 Average car insurance cost in New Jersey Drivers in New Jersey generally pay an average of $228 per month or $2,736 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $94 or $1,124 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in New JerseyNJM provides the lowest full coverage rates, for an average cost of $2,134 per year or $178 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Selective Insurance also offers affordable insurance coverage to New Jersey drivers at an average cost of $2,232 a year or $186 per month.Although these insurers offer some of the most affordable average rates in New Jersey, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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: Updated with latest data New Jersey car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202420242023202220212020201920182017201620152014 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2024 Cylinders 4 Make & Model Acura - Integra State New Jersey Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $1,209/Year OR $101/month Full Coverage $2,393/Year OR $199/month New Jersey Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your 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 - + *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 2023 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. 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 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 plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in New Jersey for full coverage, depending on your age and gender.Average car insurance cost in New Jersey for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In New Jersey, 20-year-old male drivers pay an average of $6,276 per year for car insurance, while their female counterparts pay $5,395 for the same coverage.However, by age 25, average car insurance costs drop to about $3,297 per year for male drivers and $3,087 for female drivers.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 per year for full coverage, or $228 each month. Female drivers of the same age pay $2,695 annually or $225 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.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 driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,712 per year, and women pay $2,635.By age 70, those averages increase to $2,844 for men and $2,763 for women. At 75, premiums rise again, reaching $3,073 for male drivers and $2,952 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely 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 purchasing a policy for the first time or relocating to New Jersey, it’s important to understand the state’s liability coverage requirements.Drivers in New Jersey must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in New JerseyInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Chevrolet Express has the lowest premium, at an average of $1,884 a year, closely followed by Honda HR-V, with an average annual car insurance cost of $1,902.The table below shows the cheapest cars to insure and their average annual 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 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver 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:Young 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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 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