The cost of car insurance in New Jersey varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. New Jersey Manufacturers offers the cheapest rates at $1,318 a year for full coverage.
We’ve compiled this detailed guide to help you choose the right car insurance in New Jersey. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in New Jersey works and how much insurance you need.
- New Jersey Manufacturers provides the most affordable annual rates for full coverage car insurance in New Jersey, at $1,318 per year.
- In New Jersey, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in New Jersey costs around $853 annually for limits of 25/50/25, while liability-only coverage costs $915 per year for limits of 50/100/50.
- In New Jersey, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 32%, a DUI raising rates by 72%, and an at-fault accident by up to 79%.
How much is car insurance in New Jersey?
CarInsurance.com data found that drivers in New Jersey pay $159 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in New Jersey by coverage level
In New Jersey, the cost of car insurance can vary depending on how much coverage you purchase. New Jersey drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in New Jersey, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in New Jersey for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $71 | $853 |
| Liability Only – 50/100/50 BI/PD | $76 | $915 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $159 | $1,902 |
State minimum car insurance in New Jersey
New Jersey laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
The state minimum car insurance cost in New Jersey is $853 a year. However, this basic coverage only offers limited protection. New Jersey drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in New Jersey must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in New Jersey
According to CarInsurance.com data, liability-only car insurance costs $915 in New Jersey for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in New Jersey
The average annual premium in New Jersey is $1,902 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in New Jersey
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of New Jersey have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
New Jersey car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in New Jersey by car model
In New Jersey, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in New Jersey.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in New Jersey
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. New Jersey drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,856 annually.
Car insurance for drivers aged 16-19 costs $4,701 more annually than New Jersey drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,557 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,916 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,856 per year in New Jersey.
- For senior drivers: Drivers age 65 and older can expect to pay $1,970 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in New Jersey
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In New Jersey, a DUI conviction often results in higher premiums and you may see an increase of up to 72% as insurers perceive you as a high-risk driver.
If you get caught speeding in New Jersey, your car insurance rates will increase by 32% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here is how much your car insurance rate increases in New Jersey after driving incidents:
- Speeding ticket: Up to 32% increase
- DUI conviction: 72% increase
- At-fault accident (bodily injury and property damage): 79% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in New Jersey for high-risk drivers
In New Jersey, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| NJM | $1,430 |
| Geico | $2,197 |
| Plymouth Rock Assurance | $2,573 |
| Travelers | $2,965 |
| State Farm | $3,586 |
| Progressive | $3,730 |
| Farmers | $4,984 |
| Allstate | $5,169 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in New Jersey
Drivers in New Jersey can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Begin your search for the top car insurance policy in New Jersey by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in New Jersey and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| New Jersey Manufacturers | $560 | $560 | $1,318 |
| Geico | $588 | $679 | $1,563 |
| Travelers | $983 | $1,043 | $1,706 |
| Plymouth Rock Assurance | $618 | $668 | $1,737 |
| Selective Insurance | $895 | $985 | $1,908 |
| State Farm | $1,089 | $1,186 | $2,153 |
| Progressive | $952 | $993 | $2,187 |
| Farmers | $1,073 | $1,101 | $2,254 |
| Allstate | $936 | $1,020 | $2,294 |
Car insurance rates by city in New Jersey
Newark is New Jersey’s most expensive city for car insurance at an average cost of $2,641 annually. Brielle is the state’s least expensive city, with an average car insurance rate of $1,602 annually.
Car insurance premiums differ across cities in New Jersey and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Below, you’ll see the average annual car insurance cost of major cities in New Jersey.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| NJM | $1,320 |
| Geico | $1,452 |
| Selective Insurance | $1,639 |
| Travelers | $1,655 |
| Plymouth Rock Assurance | $1,718 |
| State Farm | $2,053 |
| Allstate | $2,054 |
| Progressive | $2,059 |
| Farmers | $2,104 |
How much does car insurance cost in New Jersey per month?
Car insurance in New Jersey costs an average of $159 a month for a full coverage policy with limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $71 |
| Liability Only – 50/100/50 BI/PD | $76 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $159 |
Final thoughts on choosing car insurance in New Jersey
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in New Jersey.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in New Jersey. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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