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 onMay 20, 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 costs in New Jersey depend on more than just your zip code. Your vehicle, coverage level, and driving history all play a role – and the difference between the cheapest and most expensive options can be hundreds of dollars a year. Enter a few details below to get a quick estimate and see what you might actually pay. How to use our car insurance calculator to estimate your rates in New JerseyGetting your estimate takes less than a minute. Here’s how:Choose the model year of your carChoose the make and modelSelect New Jersey as your stateClick ‘Get My Rates’ to see your estimateAdd more vehicles to expand your options, or click ‘Get quotes’ to compare live policies and prices 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’ refers to the brand and ‘model’ refers to the specific model you drive. For example, Honda (make) Accord (model).Insurers price based on how much a vehicle costs to repair or replace, how often that model is involved in claims, and how frequently it’s stolen. Two vehicles at the same price point can carry meaningfully different premiums.For example, full coverage for a Honda Accord LX costs $3,228 per year in New Jersey, while the average premium for a Honda CR-V is $2,763 – a difference of $465. Popular cars aren’t always cheaper to insure High theft rates or expensive repair costs can push premiums up on common models. Check insurance costs before you buy, not after. 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 Every state sets its own minimum car insurance requirements, and New Jersey is no exception. To drive legally, you’ll need at least the minimum liability coverage, which 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 (III, n.d.). Not carrying the required coverage in New Jersey 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 refers to the specific version of a model with different features, equipment, or engine options, such as LX, EX, or Sport.Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.For example, in New Jersey, full coverage car insurance for a 2024 Honda Accord LX costs $3,274 a year, while the higher-end Accord EX-L trim costs $3,361 annually – a difference of $87 per year.Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding. 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 think Moving to a higher trim level can raise your insurance premium due to increased vehicle value and repair costs – not just the sticker 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. This gives you a general benchmark, but your actual rate may be higher or lower depending on your vehicle, coverage choices and personal details. 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 is a policy that includes liability, comprehensive, and collision coverage. It may also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending 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 full coverage cost in New Jersey is $3,122 per year, or $260 per month. Your actual rate will vary based on your profile and coverage. How can I lower my car insurance premium in New Jersey? To lower your premium, compare quotes, raise your deductible, bundle policies, maintain a clean driving record and choose a lower-risk vehicle. Discounts for safe driving and low mileage can also help. Does my credit score affect car insurance rates in New Jersey? Many insurers use credit-based scores to help set rates, with higher scores typically leading to lower premiums. Some states restrict this, so check the rules in New Jersey. 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. 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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