Average Cost of Car Insurance Rates in New Jersey (2021)

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How Much Does Car Insurance Cost In New Jersey?

On average, car insurance rates for drivers in New Jersey are $267 per month, and $3199 per year. The average rates make New Jersey the 14th most expensive state in the country for car insurance rates and 16% more expensive then the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $26750%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best New Jersey Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in New Jersey and has selected the following providers and quotes as the best rates for drivers in New Jersey.

Cheapest Companies
progressive

Progressive

$86/mo
liberty-mutual
$154/mo
travelers
$180/mo
allstate
$220/mo
state-farm
$226/mo

New Jersey Car Insurance Rates by City

For drivers in New Jersey, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in New Jersey.
City
Clifton$271
East Orange$362
Edison$231
Elizabeth$324
Hoboken$228
Jersey City$276
Newark$352
Paterson$365
Toms River$212
Trenton$273

What Is the Average Cost of Car Insurance in New Jersey by Age?

At $540 per month, car insurance is prohibitively expensive on average for New Jersey teens. Young adults have more experience behind the wheel and therefore see an over $200 drop in average monthly rates. It's not until drivers reach their 30s that we see their average costs slide under the average monthly cost for all New Jersey drivers.

Drivers in their 80s see the lowest rates at $166, which is less than a third of what teens shell out. Seven decades' worth of driving experience pays dividends.

Age
Teens$540
20s$326
30s$247
40s$252
50s$235
60s$199
70s$168
>80s$168

What Is the Average Cost of Car Insurance in New Jersey by Gender?

In New Jersey, men pay an average of $5 more per month than women. This difference in average costs can be attributed to the fact that women tend to be slightly safer drivers.

Gender
Male$269
Female$264

Does Marital Status Influence the Average Cost of Car Insurance in New Jersey?

In New Jersey, leaping from singlehood to marriage could save you $540 per year. That’s because married drivers are considered less risky to insure, and therefore pay an average of $45 less per month than their single counterparts.

Marital Status
Married$236
Single$281

What Are the Minimum Car Insurance Requirements in New Jersey?

New Jersey is a no-fault state, which means drivers file with their own insurance company after an accident. State law states basic policies must have $15,000 in bodily injury liability per person and $30,000 per accident, and $5,000 in property damage liability per accident. Both basic and standard policies require $15,000 in personal injury protection (PIP) per person per accident. You'll also need comprehensive and collision coverage to protect your car.

new-jersey

How Does Credit History Affect New Jersey Car Insurance Rates?

New Jersey, along with most states, lets insurance companies use credit as part of the equation when setting rates. The public may argue that their credit has nothing to do with driving, but insurers would argue their statistics reveal otherwise.

Credit is so important in New Jersey that you could end up paying over $100 a month more if you have poor credit. Going from good to excellent credit saves your over $50. What's excellent credit? A credit score of 800 or more.

Credit History
Poor$307
Average$281
Good$255
Excellent$198

What Is the Average Cost of Car Insurance in New Jersey for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in New Jersey will pay $2 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $27. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving History
No Violation$254
At-Fault Accident$281
Speeding$255

Tips for Researching New Jersey Car Insurance Rates

New Jersey's insurance prices and policies vary based on location, company, and driver. The Garden State projects its population will continue to grow for the next decade. More people equals more traffic, but hopefully not higher costs for car insurance.

Living in a state in the top 15 for monthly car insurance costs means every strategy to save helps. Try Insurify’s comparison tool to get 10+ real quotes and unlock savings and discounts. In less than two minutes, find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

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FAQs - New Jersey Car Insurance

Why is car insurance so expensive in New Jersey?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in New Jersey?

Auto insurance costs will vary between locations and insurance carriers, depending on the county New Jersey. Insurify analyzed the latest data for the five most populous cities in New Jersey to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in New Jersey?

'The way to find the carrier with the best auto insurance ratings in New Jersey and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in New Jersey?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.