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 premium for car insurance in New Jersey is $1,902 per year or $159 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: September 9, 2024 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 51M Quotes reviewed 167 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in New Jersey, the average annual premium is $1,902, per year or $159 monthly. This contrasts with the national average of $1,682, highlighting a variation of $7. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in New Jersey, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $1,902 Average per month cost $159 Average cost for state minimum coverage $853 / Year Cheapest car insurance company NJM($1,318 / Year) Average cost for young drivers $3,064 / Year Average cost for Senior drivers $1,970 / Year Key TakeawaysThe average car insurance cost in New Jersey is $1,902 per year, based on Insure.com’s analysis.In New Jersey, the average premium for car insurance is $159 per month.NJM has the cheapest car insurance rates in New Jersey, at an average annual rate of $1,318 a year.Average car insurance cost in New Jersey per monthIn New Jersey, car insurance costs around $159 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in New Jersey, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in New JerseyAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in New Jersey is NJM, with an average annual cost of $1,318 and a monthly average of $110. Following closely is Geico, providing coverage at an average monthly rate of $130.The following table lists additional car insurance companies operating in New Jersey and their respective average monthly and annual costs. Affordable car insurance providers in New Jersey Graph Table Company nameAverage per month costAverage annual costNJM$110$1,318Geico$130$1,563Travelers$142$1,706Plymouth Rock Assurance$145$1,737Selective Insurance$159$1,908State Farm$179$2,153Progressive$182$2,187Farmers$188$2,254Allstate$191$2,294 Read our guide to cheap car insurance companies New Jersey car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State New Jersey Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,204/Year OR $184/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 JerseyThe extent of coverage you opt for directly influences the cost of car insurance in New Jersey. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in New Jersey would be $915.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in New Jersey amounts to $1,902.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In New Jersey, the average annual cost for non-owner state minimum liability coverage stands at $459.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $853 annually in New Jersey. 1State minimum:$8532Liability only:$9153Full coverage:$1,9024Non-owners:$459 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 CityNewarkPatersonAverage car insurance cost in New Jersey by citySeveral factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.The table below depicts the top popular cities in New Jersey:CityAverage annual costBayonne$2,266Camden$2,418Clifton$2,344East Orange$2,494Elizabeth$2,576Jersey City$2,331Newark$2,641Passaic$2,554Paterson$2,518Trenton$2,138Average car insurance cost in New Jersey by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in New Jersey is $3,064, whereas for seniors, it’s $1,970. The rate for young drivers surpasses that of senior drivers by $1,094.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in New Jersey for young driversFor female young drivers in New Jersey, the average annual car insurance cost is $2,898, and $241 per month. Conversely, male young drivers face an average annual rate of $3,231, and $269 per month.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,184$3,69021$3,412$3,02522$3,127$2,81623$2,813$2,57124$2,638$2,396Average car insurance cost in New Jersey for senior driversFor senior female drivers in New Jersey, the annual cost of car insurance is $1,948, or $162 per month. Similarly, male senior drivers face an annual insurance rate of $1,993, or $166 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,877$1,83670$1,990$1,94675$2,111$2,063Read more about senior car insuranceMinimum car insurance requirements in New JerseyEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the New Jersey Department of Insurance, the required coverages and minimum coverage limits in New Jersey are as follows:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $25,000Cheapest cars to insure in New JerseyThe Volkswagen Taos is most affordable average annual insurance premium, standing at $1,759, with the Chevrolet TrailBlazer trailing closely behind at $1,761. The annual difference in insurance costs between these two models amounts to $2.MakeModelAverage annual premiumVolkswagenTaos$1,759ChevroletTrailBlazer$1,761MazdaCX-30$1,771HondaHR-V$1,774FordMaverick$1,794KiaSeltos$1,795VolkswagenTiguan$1,797MazdaCX-5$1,806SubaruForester$1,812JeepWrangler Unlimited$1,820Most expensive cars to insure in New JerseyTopping the list as the most expensive car to insure is the Maserati Quattroporte Trofeo, at an average annual premium of $5,468. Notably, the annual difference between the least and most expensive cars to insure amounts to $3,709.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$5,468MaseratiQuattroporte$5,283BMWM8$4,786DodgeCharger SRT$4,613MaseratiGhibli Trofeo$4,585AudiRS6 Avant$4,552BMWI7$4,539Porsche911 Turbo$4,480AudiS8$4,442MaseratiGhibli$4,433MethodologyThe Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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 a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary. 57M Quotes reviewed 136 No. of carriers analyzed 34.5K ZIP codes analyzed How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in New-Jersey Non-owner auto insurance in New Jersey Average renters insurance cost in New Jersey Average homeowners insurance cost in New Jersey Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims 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 Jersey per monthCheapest 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 age of the driverMinimum 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