Home Car insurance Car insurance calculator New Jersey car insurance calculator New Jersey car insurance calculator Get a quick estimate of car insurance costs in New Jersey with our calculator, tailored to your car, coverage, and location. Compare rates and choose a policy that fits your budget. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur 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.VIEW FULL PROFILESee moreSee less | Updated onJuly 31, 2026 Why you can trust Insure.com Quality Verified 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. Car insurance rates in New Jersey are influenced by more than just your ZIP code. Your car, level of coverage and driving record all matter – and the gap between the lowest and highest premiums can be hundreds of dollars each year. Enter a few details below to get a quick estimate of what you may pay. How to use our car insurance calculator to estimate your rates in New Jersey Getting an estimate takes less than a minute. Follow these steps:Choose your car’s model yearSelect the make and modelPick New Jersey as your stateClick ‘Get My Rates’ to view your estimateAdd additional vehicles to explore more options, or click ‘Get quotes’ to compare real-time rates 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 Minimum$1,463/year Liability coverage$1,916/year Full Coverage$3,472/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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by: What affects your car insurance rate in New Jersey? Your car’s make, model, year and trimYour location within New JerseyYour coverage levelYour driving history, credit score and vehicle storage Does your vehicle model affect car insurance rates in New Jersey?A vehicle’s make and model can significantly impact car insurance rates. Make is the brand, while model is the specific vehicle you drive. For example, Honda is the make and Accord is the model.Insurers consider repair costs, claim frequency and theft rates when pricing coverage. Even similarly priced vehicles can have very different insurance costs.For example, full coverage for a Honda Accord LX costs $3,228 per year in New Jersey, while a Honda CR-V averages $2,763 – a difference of $465. A popular car doesn’t always mean cheaper insurance High theft rates or expensive repairs can drive up premiums. Always check insurance costs before purchasing a vehicle. Does your car’s model year affect insurance rates in New Jersey?Newer cars generally cost more to insure because they are more expensive to repair or replace. In New Jersey, insuring a 2024 Honda Accord LX costs $3,274, while the 2025 version costs $3,143.However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high. Check your state’s minimum coverage requirements Each state sets minimum insurance requirements, including New Jersey. To drive legally, you’ll need liability coverage that typically includes:Bodily injury liability per person and per accidentProperty damage liability According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection. Not carrying the required coverage can lead to fines, license suspension and even vehicle impoundment. 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 How does your car’s trim affect insurance rates in New Jersey? Insurance rates often vary based on your car’s trim. Trim is a version of a vehicle model with different features, equipment, or engine options, such as LX, EX, or Sport.For example, in New Jersey, full coverage for a 2024 Honda Accord LX costs $3,274 annually, while the Accord EX-L trim costs $3,361 – a difference of $87.Premium features like advanced infotainment or high-end audio systems can increase rates by raising the vehicle’s value. Performance trims may also cost more due to higher accident risk. You might find interesting Explore related topics Average car insurance cost in New JerseyCar insurance calculator for teens in New JerseyCheapest SR-22 insurance in New JerseyDo you need insurance to register a car in New Jersey?How much car insurance costs in New Jersey vs. New YorkHow much car insurance costs in New Jersey vs. PennsylvaniaHow much is gap insurance in New JerseyLow-cost car insurance in New JerseyNew Jersey car insurance: Rates, state minimum requirements and best companiesNon-owner auto insurance in New Jersey: Which company has the cheapest rates?The best and cheapest car insurance in New JerseySee more That upgrade can cost more than you expect Moving to a higher trim can increase your insurance premium due to higher repair and replacement costs – not just the purchase price. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance. How much does car insurance cost in New Jersey?The average cost of full coverage car insurance in New Jersey is $3,122 per year, or $260 per month. While this is a helpful benchmark, your actual premium may differ depending on your car, coverage and personal profile.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$3,122$260Liability Only – 50/100/50 BI/PD$1,505$125State Minimum BI/PD$1,395$116Non-Owners$1,141$95Powered by: People also ask: What is full coverage car insurance? Full coverage car insurance includes liability, comprehensive, and collision coverage. It can also include protections like uninsured motorist coverage, medical payments, and other add-ons based on your needs and state requirements. How do car insurance rates vary by city in New Jersey?Where you live within New Jersey can have just as much impact on your premium as the coverage you choose. Insurers look at local traffic density, accident statistics, weather risks and theft rates when setting prices – which is why two drivers with identical profiles can pay very different amounts depending on their zip code.Full coverage costs $4,142 per year in Irvington, compared to $2,677 in Brielle.Top 20 cities with cheapest car insurance rates in New JerseyThese cities have the lowest average premiums in the state, typically because of lower traffic volume, fewer claims and reduced risk overall.CityAvg. Annual PremiumAvg. Monthly PremiumBrielle$2,677$223Manasquan$2,677$223Mantoloking$2,677$223Normandy Beach$2,677$223Point Pleasant$2,677$223Sea Girt$2,677$223Belmar$2,694$224Spring Lake Heights$2,708$226Allenwood$2,712$226Lavallette$2,742$229Avon-by-the-Sea$2,757$230Haddon Heights$2,781$232Haddonfield$2,781$232Barnegat$2,784$232Barnegat Light$2,784$232North Beach Haven$2,784$232Ocean Acres$2,784$232Port Republic$2,784$232Tuckerton$2,784$232West Creek$2,784$232Powered by:Top 20 cities with most expensive car insurance in rates New JerseyThese cities carry the highest average premiums, driven by higher traffic density, accident rates and claim frequency.CityAvg. Annual PremiumAvg. Monthly PremiumIrvington$4,142$345Newark$4,142$345Passaic$4,028$336Elizabeth$4,003$334Elizabethport$4,003$334East Orange$3,979$332Orange$3,979$332Fairview$3,965$330North Bergen$3,965$330Paterson$3,951$329Hoboken$3,848$321Weehawken$3,848$321Atlantic City$3,821$318Camden$3,807$317Lodi$3,795$316Perth Amboy$3,788$316Union City$3,779$315West New York$3,779$315Plainfield$3,768$314Bayonne$3,752$313Powered by: If you’re moving within New Jersey, check insurance rates before you go A move from a rural area to a major city can add hundreds of dollars to your annual premium – even if nothing else about your profile changes. Frequently asked questions What is the average cost of car insurance in New Jersey? The average cost of full coverage car insurance in New Jersey is $3,122 per year, or $260 per month. Your actual premium depends on your vehicle, coverage level, driving record and location. How can I lower my car insurance premium in New Jersey? You can reduce your premium by comparing quotes from multiple insurers, increasing your deductible, bundling policies, maintaining a clean driving record and choosing a lower-risk vehicle. Discounts for safe driving, good grades or low mileage can also help. Does my credit score affect car insurance rates in New Jersey? In many states, insurers use a credit-based insurance score when setting rates – higher scores often mean lower premiums. However, some states restrict this practice. Check whether New Jersey allows credit to be used. Sources: Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026. Estimate your New Jersey car insurance cost with our calculatorOur New Jersey car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearWashington, D.C.$3,465/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does used car insurance cost? Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in New JerseyDoes your vehicle model affect car insurance rates in New Jersey?Does your car's model year affect insurance rates in New Jersey?How does your car's trim affect insurance rates in New Jersey? How much does car insurance cost in New Jersey?How do car insurance rates vary by city in New Jersey?Frequently asked questionsEstimate your New Jersey car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates 1-833-708-5453