Home Renters insurance Renters insurance cost Average renters insurance cost in New Jersey Average renters insurance cost in New Jersey Discover the average cost of renters insurance in New Jersey and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: June 28, 2025 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. Renters insurance costs in New Jersey vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in New Jersey is $207 per year or $17 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in New Jersey is $207 per year or $17 per month.New Jersey Manufacturers provides the least expensive renters insurance in New Jersey at an average rate of $128 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in New Jersey. Average renters insurance cost in New Jersey per monthThe average cost of renters insurance in New Jersey is $17 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$17$5 lessAverage renters insurance cost in New Jersey by companyRenters in New Jersey can find the most budget-friendly insurance with New Jersey Manufacturers, which has an average annual cost of $128, according to our data. Other affordable options include State Farm and American Family.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in New Jersey.CompanyAverage annual rateAverage monthly rateNew Jersey Manufacturers$128$11State Farm$148$12American Family$155$13Chubb Ltd$206$17Franklin Mutual$224$19Allstate$225$19Farmers$263$22Plymouth Rock Assurance$314$26USAA$178$15 Renters insurance calculator in New Jersey Select your state New Jersey Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $190/year Estimated renters insurance rates in New Jersey $16 Monthly renters insurance cost in New Jersey -23% Compared to national average Get quotes Average cost of renters insurance in New Jersey by coverage levelAs we discussed above, the average cost of renters insurance in New Jersey is $207 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $151 per year for renters insurance in New Jersey, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in New Jersey for personal property coverage amounts of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$146$12$20,000 with $500 Deductible and $300,000 Liability$163$14$20,000 with $1,000 Deductible and $100,000 Liability$134$11$20,000 with $1,000 Deductible and $300,000 Liability$151$13$40,000 with $500 Deductible and $100,000 Liability$207$17$40,000 with $500 Deductible and $300,000 Liability$224$19$40,000 with $1,000 Deductible and $100,000 Liability$190$16$40,000 with $1,000 Deductible and $300,000 Liability$207$17$60,000 with $500 Deductible and $100,000 Liability$273$23$60,000 with $500 Deductible and $300,000 Liability$290$24$60,000 with $1,000 Deductible and $100,000 Liability$250$21$60,000 with $1,000 Deductible and $300,000 Liability$267$22Average cost of renters insurance in New Jersey by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of New Jersey.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in New Jersey by cityBirminghamColumbusHighland ParkJersey CityLakewoodAverage cost of renters insurance in New Jersey by ZIP codeThe cost of renters insurance in New Jersey varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in New Jersey.Most affordable ZIP codes for renters insurance in New JerseyIn New Jersey, your ZIP code plays a major role in determining your premiums. Based on our data, 7829 is the most affordable ZIP code for renters insurance, with an average annual cost of $184.Comparing quotes from multiple insurers in New Jersey is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate7829Buttzville$184$157846Johnsonburg$184$157823Belvidere$185$157825Blairstown$185$157832Columbia$185$157838Great Meadows$185$157863Oxford$185$157840Beattystown$185$157865Port Murray$185$157880Vienna$185$15Least affordable ZIP codes for renters insurance in New JerseyAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in New Jersey is 7112, with an average cost of $239 a year or $20 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in New Jersey. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate7112Newark$239$208201Absecon$236$20Final thoughts: Average renters insurance in New JerseyRenters insurance is a must-have for renters in New Jersey. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in New-Jersey Average homeowners insurance cost in New Jersey Average car insurance cost in New Jersey Non-owner auto insurance in New Jersey Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Hurricane season is here: What to know to protect your home By Maryalene LaPonsie Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel On this page Average renters insurance cost in New Jersey per monthAverage renters insurance cost in New Jersey by companyAverage cost of renters insurance in New Jersey by coverage levelAverage cost of renters insurance in New Jersey by cityAverage cost of renters insurance in New Jersey by ZIP codeFinal thoughts: Average renters insurance in New Jersey ZIP Code Please enter valid ZIP See rates (844)-761-9316