insure logo

Why you can trust

quality icon

Quality Verified

At, 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.

If you’re a driver in the New Jersey, you probably know the importance of having car insurance that meets the state’s minimum requirement. However, finding the right coverage at an affordable price can be a daunting task. That’s where our New Jersey car insurance calculator comes in handy.

Our auto insurance calculator lets you estimate your average annual and monthly car insurance cost in New Jersey, based on your vehicle make and model, helping you make informed decisions. 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.

How much is vehicle model important in calculating car insurance in New Jersey

In New Jersey, the make and model of a vehicle can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For instance, the car insurance rate for a 2022 Acura ILX 2.4L is $1,999 a year for a full coverage policy, whereas average insurance premiums in New Jersey for a Toyota 4Runner Limited is $2,001 annually – that’s $2 more compared to Acura ILX 2.4L.

How insurers calculate car insurance in New Jersey using car model year

In New Jersey and many other areas, the year your car was made can affect your car insurance costs. For instance, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $921 per year for insurance. On the other hand, the insurance rate for a 2022 Chevrolet Blazer 2LT is $1,938 annually.

Does the cost of car insurance in New Jersey decrease as a vehicle gets older?

Usually, in New Jersey, car insurance becomes cheaper for older car models. As a car gets older, its value goes down because of depreciation. Because car insurance is meant to cover the repair or replacement costs, the insurance company’s responsibility decreases with an older vehicle. This leads to lower car insurance premiums in New Jersey.

People driving a 2020 Honda Accord LX in New Jersey usually pay $133 per month for full coverage car insurance. On the other hand, car insurance for the 2022 Honda Accord LX costs $169 each month in New Jersey, which is $36 more than the 2020 model.

Older vehicles might not be as tempting to thieves as newer ones with fancy security features. The lower risk of theft can also mean lower insurance costs.

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in New Jersey by city

Car insurance cost estimate in New Jersey

The average premium for car insurance in New Jersey is $1,901 per year or $158 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in New Jersey for different coverage levels.

Car insurance in New Jersey usually costs about $1,901 per year or $158 per month. But remember, your actual price might be different based on the coverage you pick. Let’s take a look at estimated car insurance costs in New Jersey for different coverage levels.

50/100/50 Liability OnlyFull CoverageNon-Owner State Minimum Liability OnlyState Minimum Liability Only
$1,120 $1,901 $993 $989

The bottom line: New Jersey car insurance calculator

The car insurance calculator for New Jersey calculates your rates using details like where you live and the year, make, and model of your vehicle. Simply input your information, and the calculator will give you estimated quotes. Keep in mind that rates can differ, so it’s a good idea to get quotes from different insurers to find the best deal that suits your needs.

How much is car insurance in other states

Washington D.C.$1,858/Year
North Carolina$1,368/Year
North Dakota$1,419/Year
New Hampshire$1,307/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
Show more