How much car insurance costs in New Jersey vs. New York

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Car insurance rates can look very different depending on where you live. Premiums in New Jersey and New York vary widely due to differences in state insurance laws, traffic patterns, claims trends and even weather risks.

For example, drivers in New Jersey pay an average of $260 per month for car insurance. In New York, the same level of coverage costs about $216 monthly.

If you’re planning a move — or just wondering how your ZIP code affects what you pay — understanding these differences can help you budget smarter and choose the right coverage for your situation.

Average car insurance rates in New Jersey vs. New York

In New Jersey, drivers pay an average of $260 per month for car insurance, compared with $216 per month in New York.

For a standard six-month policy, that works out to $1,561 in New Jersey and $1,298 in New York.

Overall, drivers in New York typically pay lower premiums than those in New Jersey. While statewide averages show a clear difference, your personal rate may be higher or lower depending on factors such as your driving history, age, vehicle type, coverage limits and ZIP code.

Below is an overview of average car insurance rates in New Jersey and New York.

Premium type	New Jersey	New York
Avg. Monthly Premium	$260	$216
Avg. 6 Month Premium	$1,561	$1,298
Avg. Annual Premium	$3,122	$2,596

How car insurance rates compare by coverage level in New Jersey and New York

Car insurance costs in New Jersey and New York vary based on the coverage level you select. In New Jersey, full coverage averages $3,122 per year, compared with $2,596 annually in New York.

Those differences reflect how insurers price policies in each state based on overall claims data, vehicle values and driver risk profiles.

Coverage level affects cost because:

Full coverage includes liability, collision and comprehensive protection.
Liability-only coverage pays for damage or injuries you cause to other drivers but does not cover your own vehicle.
State minimum liability meets only the legal coverage requirements in each state.

The table below compares average premiums across common coverage types in New Jersey and New York.

Coverage types	New Jersey	New York
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$3,122	$2,596
State Minimum BI/PD	$1,568	$2,546
Liability Only – 50/100/50 BI/PD	$1,691	$2,902
Non-Owners	$1,141	$606
Gap Insurance	$3,306	NA
SR22 with 1 DUI	$7,059	$4,711

Cheapest car insurance companies in New Jersey vs. New York

Even within the same state, car insurance prices can differ widely from one company to another. To help you compare your options, we’ve highlighted the insurers offering the lowest average rates in both New Jersey and New York. These numbers give you a starting point — but your personal rate may vary.

Cheapest car insurance companies in New Jersey

In New Jersey, NJM offers the lowest average rate at $2,373 per year. Followed by:

Travelers: $2,522
GEICO: $2,597

The table below shows car insurance providers in New Jersey with the most affordable car insurance rates.

Company	Annual rate
NJM	$2,373
Travelers	$2,522
GEICO	$2,597
Farmers	$2,726
Progressive	$3,069
Allstate	$3,311
State Farm	$3,997
Plymouth Rock Assurance	$4,534

Cheapest car insurance companies in New York

In New York, Progressive offers the lowest average annual rate at $1,258 per year. Other affordable options include:

NYCM Insurance: $2,049 per year
GEICO: $2,341 per year

Below, you see car insurance providers with the most affordable rates for drivers in New York.

Company	Annual rate
Progressive	$1,258
NYCM Insurance	$2,049
GEICO	$2,341
Preferred Mutual	$2,403
Allstate	$2,909
State Farm	$2,978
The Hanover	$3,514
Travelers	$3,599

How to find the cheapest car insurance in your state

Compare at least three quotes
Ask about discounts
Adjust deductibles carefully
Review coverage limits

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Average car insurance rates by ZIP code in New Jersey and New York

Car insurance rates can vary significantly by ZIP code — even within the same state. Insurers use location-based data when setting premiums, which means two drivers with similar profiles could pay different rates depending on where they live.

Below is a comparison of average car insurance costs by ZIP code in New Jersey and New York.

How much does car insurance cost by ZIP code in New Jersey?

In New Jersey, rates can differ noticeably across ZIP codes. Among the most populous ZIP codes analyzed, 8753 has the lowest average annual premium at $2,904.

Here’s a closer look at how average car insurance rates compare across ZIP codes in New Jersey.

ZIP code	City	Annual rate
8753	Toms River	$2,904
8854	Piscataway	$3,143
8701	Lakewood	$3,538
7305	Jersey City	$3,630
7002	Bayonne	$3,752
7087	Union City	$3,779
7093	West New York	$3,779
7047	North Bergen	$3,965
7055	Passaic	$4,028
7111	Irvington	$4,142

How much does car insurance cost by ZIP code in New York?

Among the most populous ZIP codes analyzed, drivers in ZIP code 11368 pay an average of $3,799 per year. In comparison, drivers in ZIP code 10467 pay about $3,157 annually.

The table below shows how average car insurance premiums compare across ZIP codes in New York, giving you a clearer picture of how location may impact your rate.

ZIP code	City	Annual rate
10467	New York	$3,157
10025	New York	$3,413
11219	New York	$3,613
11226	New York	$3,666
11385	Ridgewood	$3,679
11207	New York	$3,707
11373	Elmhurst	$3,744
10314	New York	$3,767
11208	New York	$3,785
11368	Corona	$3,799

What are the top car insurance companies in New Jersey and New York?

The top car insurance companies in New Jersey and New York are ranked based on overall performance and customer satisfaction scores. Below, we highlight the highest-rated insurers in each state, using standardized comparisons of financial strength, complaints data and service ratings.

What are the top car insurance companies in New Jersey?

In New Jersey, NJM ranks highest overall, with a score of 4.92 and a customer satisfaction rating of 0.16.

Close behind is GEICO, earning an overall ranking of 4.14 and a satisfaction score of 0.60.

The table below shows the highest-rated car insurance companies in New Jersey, based on overall score and customer satisfaction.

Company	Overall ranking	Customer Satisfaction Index Ranking
NJM	4.92	721
GEICO	4.14	643
Travelers	4.10	633
Progressive	3.72	625
Farmers	3.57	636
State Farm	3.42	673
Allstate	3.21	632
Plymouth Rock Assurance	2.97	614

What are the top car insurance companies in New York?

In New York, NYCM Insurance leads with an overall ranking of 4.50 and a customer satisfaction score of 0.13.

It’s followed by Progressive at 4.28, with a satisfaction rating of 0.60.

GEICO rounds out the top three with an overall ranking of 4.12 and a satisfaction score of 0.60.

Below are the top-rated car insurance providers in New York, based on overall performance and customer satisfaction.

Company	Overall ranking	Customer Satisfaction Index Ranking
NYCM Insurance	4.50	652
Progressive	4.28	620
GEICO	4.12	637
State Farm	3.76	646
Travelers	3.68	645
Allstate	3.36	625
The Hanover	3.00	594

What are the minimum car insurance requirements in New Jersey and New York?

Both New Jersey and New York require drivers to carry a minimum amount of liability car insurance to legally operate a vehicle. However, the required coverage limits are set by each state and may differ.

Minimum coverage typically includes bodily injury liability and property damage liability. Some states may also require additional protections, such as personal injury protection (PIP) or uninsured/underinsured motorist coverage.

The table below compares the minimum car insurance requirements in New Jersey and New York, so you can see how the coverage limits differ at a glance.

Coverage requirement	New Jersey	New York
Minimum coverage limits	35/70/25	25/50/10

So, which state is more affordable for car insurance?

If you’re weighing a move — or simply comparing costs — car insurance can make a meaningful difference in your budget. On average, drivers in New Jersey pay about $3,122 per year for full coverage, while drivers in New York pay around $2,596. Over time, that gap can add up, especially if you’re insuring multiple vehicles or planning a long-term relocation.

When it comes to finding the cheapest option, NJM has the lowest average rates in New Jersey, while Progressive stands out in New York. But averages only tell part of the story. Your actual premium will depend on your driving record, vehicle, coverage choices and even your ZIP code.

Even a few hundred dollars in annual savings can tip the scales when comparing overall living costs. Before making a decision, it’s smart to compare personalized quotes from multiple insurers to see which state — and which company — truly offers the best value for your situation.

Frequently asked questions about home and auto bundle insurance

Is car insurance cheaper in New Jersey than in New York?

Car insurance in New Jersey is expensive than New York. The average monthly cost in New Jersey is $260, which is $44 more than the average in New York of $216.

Can I use my New Jersey insurance in New York?

If you’re just visiting New York for a short time, your New Jersey car insurance should cover you. Most car insurance policies provide coverage across the U.S., so if your New Jersey policy meets the state’s minimum requirements, it will generally apply in New York as well.

However, if you’re planning to move to New York and stay for a longer period, you’ll need to switch your car insurance to a New York provider. Each state has its own insurance rules, and you are required to have insurance that meets the minimum requirements of the state where your car is registered. Maintaining a New Jersey policy while living in New York could be considered insurance fraud, especially if you’re involved in an accident.

Shivani Gite

Contributing Writer

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.