Average Car Insurance Cost in New Jersey (2025)
Drivers in New Jersey pay an average of $159 per month for car insurance.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
New Jersey drivers pay an average of $145 for minimum coverage and $173 for full coverage each month. The state’s averages are similar to the nationwide average monthly rates of $105 for minimum coverage and $196 for full coverage.
But a minimum-coverage policy in New Jersey is a bit more expensive than nationwide averages. This is likely because New Jersey requires additional coverages that other states don’t, such as personal injury protection (PIP) and uninsured/underinsured motorist coverage.[1]
Here’s what you should know about finding car insurance in New Jersey, including how different factors affect annual costs.
Quick Facts
New Jersey drivers pay annual rates of $1,741 for minimum coverage and $2,076 for full-coverage car insurance, on average.
NJM, CSAA, and GEICO offer the cheapest minimum-coverage policies in New Jersey.
Trenton is one of the cheapest cities for car insurance in New Jersey, with an average rate of $154 per month. Irvington has one of the most expensive average rates, at $291 per month.
How much is car insurance in New Jersey?
The average annual cost of a liability car insurance policy in New Jersey is $1,741, and the annual cost of a full-coverage policy is $2,076. If you pay a monthly premium, the average cost is $145 for minimum coverage and $173 for a full-coverage policy.
Your rates will vary depending on your driving record, age, chosen coverage, deductible, and other factors.
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How New Jersey car insurance rates have changed over the past two years
See More
To find car insurance rates in New Jersey and the U.S. over the last two years, download our data here.
Average car insurance rates have been increasing in New Jersey and nationwide. Between 2023 and 2024, average full-coverage insurance costs increased by 8%. The Insurify car insurance report projects average car insurance rates in New Jersey will increase by an additional 6% during 2025.
Average New Jersey car insurance rates by city
Where you live in New Jersey has a big effect on the average cost of insurance. New Jersey drivers in some cities or ZIP codes face more risk factors than drivers in other areas. Insurance companies consider location-based risk factors when setting rates, like population density, accident rates, vehicle theft rates, traffic congestion, climate risks, and more.[2]
For example, if you live in an urban area near a busy intersection, you’ll probably pay higher rates than drivers in the suburbs.
Compare average insurance quotes for a few different New Jersey cities below.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Trenton | $137 | $170 |
| Jersey City | $147 | $227 |
| Camden | $172 | $239 |
| East Orange | $181 | $251 |
| Irvington | $187 | $395 |
| Newark | $187 | $262 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average New Jersey car insurance rates by age and gender
Your age and gender can affect how much you pay for car insurance.
Teenagers and young drivers pay a higher average cost for insurance than older drivers with more experience. Insurers consider teens as the riskiest drivers to insure by age because they have higher rates of accidents and limited driving experience. Drivers receive lower insurance rates with age, assuming they maintain a clean record. But senior drivers age 70 and older tend to pay slightly higher rates due to aging-related risk factors.
By gender, women generally drive more safely and have fewer fatal accidents. In 2023, men caused 645 fatal New Jersey car accidents, while women caused 205.[3]
Here’s how much New Jersey drivers typically pay for liability-only coverage and full-coverage insurance by age and gender.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $269 | $381 |
| 18 | $234 | $332 |
| 20 | $153 | $216 |
| 25 | $141 | $198 |
| 30 | $128 | $181 |
| 40 | $137 | $194 |
| 50 | $129 | $183 |
| 60 | $124 | $175 |
| 70+ | $132 | $186 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $234 | $332 |
| 18 | $204 | $288 |
| 20 | $133 | $188 |
| 25 | $122 | $173 |
| 30 | $112 | $157 |
| 40 | $119 | $168 |
| 50 | $113 | $159 |
| 60 | $108 | $153 |
| 70+ | $114 | $101 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in New Jersey
Electric vehicles and SUVs are the most popular New Jersey cars, according to Edmunds.[4] The infrastructure for electric vehicles has been booming in the state, according to a 2023 iSeeCars study. Insurers consider your vehicle type, make, and model when setting rates. For example, luxury cars cost more to replace than cheap cars, so insurance companies will likely charge higher premiums for people who drive electric vehicles.
Here’s the average cost of full-coverage insurance for New Jersey’s five most popular cars.
Vehicle | Average Monthly Quote |
|---|---|
| Tesla Model Y | $316 |
| Honda CR-V | $160 |
| Tesla Model 3 | $349 |
| Jeep Grand Cherokee | $193 |
| Toyota RAV4 | $176 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in New Jersey
Keeping a clean driving record is one of the best ways to lower your insurance rate. Any negative marks on your driving record — even just a speeding ticket — can increase annual costs for your policy. Insurers view you as more likely to cause bodily injury or property damage if you have past tickets, at-fault accidents, or DUIs, so they increase your insurance rate accordingly.
On average, New Jersey drivers with a past incident pay $214 per month for full-coverage insurance. Some types of driving offenses raise your insurance rates higher than others, though. New Jersey drivers with a DUI on their driving record pay a higher annual cost for insurance than drivers with a speeding ticket.
The following table shows average rates for full-coverage insurance for a sample driver profile with an incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $254 | 37% |
| With speeding ticket | $245 | 32% |
| With DUI | $291 | 57% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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New Jersey allows insurance companies to consider credit-based insurance scores when determining insurance premiums. Drivers in New Jersey with excellent or good credit typically earn lower car insurance rates than drivers with poor credit.
Below, you can see average car insurance rates by credit tier in New Jersey.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $114 $161 Good $120 $169 Fair $131 $186 Poor $156 $221 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in New Jersey
You have a lot of tools available to help you lower the cost of car insurance. Follow these tips to help you save money on car insurance:
Buy a safe vehicle
Look into buying a safer car the next time you’re in the market.
Increase your deductible
Choose a high deductible on your insurance policy if you can afford to pay it in the event of a claim.
Improve your credit history
Work on improving your credit to get lower insurance and financing rates. Make on-time payments and pay off your debt to improve your credit.
Drive safely
Maintaining a clean driving record will help you earn lower insurance rates.
Compare quotes
Shop around for quotes for a new policy from multiple different insurance companies each time your current insurance policy is up for renewal.
Consider how much coverage you need
If you have a paid-off car and can afford to repair or replace it, consider dropping comprehensive and collision coverage.
New Jersey average car insurance cost FAQs
The following information can help answer your questions about buying car insurance in New Jersey.
The average annual cost for state-minimum coverage in New Jersey is $1,741. New Jersey drivers with full-coverage policies pay an average annual cost of $2,076.
NJM offers the cheapest car insurance in New Jersey, with an average monthly rate of $78 for minimum coverage.
CSAA and GEICO also have affordable liability premiums, at $83 and $99 per month, on average.
On average, New Jersey drivers pay $159 per month for car insurance. The average cost of coverage is $145 per month for state-minimum liability coverage and $173 for full coverage.
NJM, CSAA, and State Farm are three of the best car insurance companies in New Jersey. All three companies ranked highly for customer satisfaction in the J.D. Power 2024 U.S. Auto Insurance Study.[5]
The state minimums depend on the type of insurance policy you buy in New Jersey: basic or standard. Most people opt for the standard policy, which requires drivers to carry coverage of at least $25,000 in bodily injury liability per person (up to $50,000 per accident), $25,000 in property damage liability, $15,000 in personal injury protection, and underinsured and uninsured motorist coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- New Jersey Department of Banking and Insurance. "New Jersey Auto Insurance Buyer's Guide."
- National Association of Insurance Commissioners. "NAIC Consumer Shopping Tool for Auto Insurance."
- New Jersey State Police Fatal Accident Investigation Unit. "Fatal Motor Vehicle Crash: Comparative Data Report for the State of New Jersey 2023."
- Edmunds. "Most popular cars in America."
- J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in