Average Car Insurance Cost in New Jersey (2024)

Drivers in New Jersey pay an average of $111 per month for liability car insurance.

Anna Baluch
Written byAnna Baluch
Photo of an Insurify author
Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Featured in

media logomedia logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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

media logomedia logo

Updated March 14, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

In New Jersey, drivers spend an average of $211 per month and $2,538 annually on full-coverage car insurance and $111 per month and $1,334 per year on liability-only coverage. By comparison, the national monthly average for full coverage is $212 and $103 for liability.

With a population of more than 9.2 million, New Jersey packs a population density of 1,263 people per square mile in its 8,729 square miles of space. With numerous municipalities serving as bedroom communities for the big cities of New York and Philadelphia, New Jersey drivers also have a long mean commute time of more than 31 minutes. The state's coastal areas are also prone to wind, storm, and flood damage.

All these factors contribute to the high average cost of car insurance in the Garden State. New Jersey drivers should compare quotes from multiple insurers to find the best price for the coverage they need.

Quick Facts
  • New Jersey drivers must purchase a minimum amount of liability insurance, including $25,000 per person and $50,000 per accident for bodily injury coverage and $25,000 per accident for property damage coverage.

  • The city of Trenton has some of the cheapest rates for car insurance in New Jersey.

  • CSAA, NJM, and Plymouth Rock offer the cheapest insurance policies in New Jersey.

How much is car insurance in New Jersey?

The cost of auto insurance in the Garden State will depend on whether you opt for liability-only or full-coverage insurance. A liability-only policy will run you $111 per month on average, while a full-coverage policy will cost around $211 per month. Because a full-coverage policy provides more financial protection, it’s typical for it to cost more than less-robust policies.

Personal factors like your age, driving history, marital status, and credit can also affect your car insurance costs. For example, in New Jersey, teen drivers pay a monthly average of $369 for full coverage, while seniors average costs are $176 per month.

Find New Jersey Car Insurance

Rates start at $88/mo. for liability coverage

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Average New Jersey car insurance rates by city

The city you live in will help determine what you pay for car insurance premiums in New Jersey because rates differ in each city.[1] For example, if you live in a highly populated area, like Newark or Jersey City, you can expect higher rates than someone living in a more rural town, like Cranbury or Hopewell. More people and drivers in one area typically increases the risk of car accidents. Insurers may also consider other location-based factors such as the likelihood of crime, local road infrastructure, and risk of certain weather events, like flooding.

The following table illustrates how the average cost of full-coverage and liability-only auto insurance can vary in some of New Jersey’s most populated cities. For example, full-coverage car insurance in Paterson, which has a population of nearly 158,000, costs 39% more than in Trenton, where about 90,400 New Jerseyans live.

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
East Orange$276$155
Jersey City$265$122
Newark$402$153
Trenton$198$114
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 New Jersey car insurance rates by insurance company

Many car insurance providers serve drivers in New Jersey. As you do your research and shop around for quotes, you’ll find that their rates vary. You may even see significant differences between them, based on how each company calculates premiums.

For example, GEICO’s average monthly quotes of $161 for full coverage and $117 for liability are far less expensive than Amica’s average monthly quotes of $${AUTO_CARRIER_AMICA_FULL_STATE_NJ_PRICE} for full coverage and $${AUTO_CARRIER_AMICA_LIABILITY_STATE_NJ_PRICE} for liability-only coverage. By comparing providers, you can find the best rate for your particular budget and coverage needs. See how auto insurers in New Jersey compare below.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
NJM12792
Plymouth Rock138101
CSAA14888
GEICO161117
Mercury191160
Liberty Mutual240168
Foremost245140
Midvale Home & Auto271160
Travelers281277
State Farm296214
Bristol West343120
Progressive367224
Allstate486352
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.
The 10 Best Car Insurance Companies

The 10 Best Car Insurance Companies

Average New Jersey car insurance rates by age

Younger drivers have less experience behind the wheel, so their car insurance rates tend to exceed the rates of older drivers.[2] As younger drivers gain experience, their car insurance costs will go down if they maintain clean driving records. In New Jersey, a teen driver can expect an average monthly quote of $369 for full coverage, while a driver in their 40s may pay $202 per month.

See how average monthly quotes vary by age below.

Quote Price by Age Group

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 New Jersey car insurance rates by gender

Your gender might also affect what you pay for a car insurance policy in New Jersey. Data shows that women tend to get into fewer serious accidents than men. For example, 28,033 men died in motor vehicle accidents in 2020, compared to 10,690 women.[3]

It’s not uncommon for women to spend a tad less on their auto premiums each year than men. As you can see from the table below, a full-coverage policy in New Jersey tends to be a bit cheaper for women than men, but women end up paying a bit more for liability-only coverage.

GenderAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Men$211$111
Women$210$110
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.
Compare Car Insurance by Age and Gender

Compare Car Insurance by Age and Gender

Find New Jersey Car Insurance

Unlock savings and discounts when you compare quotes with Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Average New Jersey car insurance rates by marital status

In New Jersey, single drivers pay a monthly average of $321 for full coverage and $261 for liability-only coverage. Married drivers enjoy lower rates of $273 per month for full coverage and $183 per month for liability-only insurance.

When married drivers combine their vehicles under a single auto policy, insurance companies account for the driving records, ages, credit scores, and vehicles of both partners. If both drivers have clean records and solid credit, they might earn lower average rates. But if both drivers have a track record of serious traffic violations and bad credit, their premiums will likely be higher.

The following table shows average monthly quotes for liability-only coverage from some top New Jersey insurance companies based on driver marital status.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyMarriedSingle
CSAA8988
NJM9392
Plymouth Rock102101
GEICO118117
Bristol West121120
Foremost141140
Mercury161160
Liberty Mutual169168
State Farm215214
Progressive225224
Travelers279277
Allstate354352
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 driving record

Your driving record is one of the most important factors that car insurance providers consider when determining your auto rates in New Jersey. As shown in the table below, a New Jersey driver with a clean record will pay an average of $211 per month for full-coverage insurance and $111 per month for a liability-only policy.

The quotes significantly increase for drivers with a driving under the influence (DUI) charge on their record, to an average of $368 per month for full coverage and $194 per month for liability coverage. At-fault accidents and speeding tickets also lead to higher auto insurance costs in New Jersey.

The table below illustrates how certain traffic infractions can push car insurance premiums higher, even for the cheapest liability insurance.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyClean RecordSpeeding TicketAt-Fault AccidentDUI
CSAA88114128145
NJM92135146145
GEICO117146162193
Bristol West120153166198
Mercury160231253270
Liberty Mutual168226250277
State Farm214263293353
Progressive224291323369
Travelers277352389456
Allstate352439488580
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.
What to Do After a Car Accident

What to Do After a Car Accident

Average New Jersey car insurance rates by credit score

In some states, good credit can lead to lower auto insurance rates because studies show that people with strong credit usually file fewer claims.[4] However, New Jersey is one of the states that ban car insurance providers from using a driver’s credit score, occupation, or education to determine premiums.[5]

Still, the table below simply shows how a person’s credit history correlates to auto rates for policyholders in the state.

Quote Price by Credit Score

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.

New Jersey minimum car insurance requirements

New Jersey requires all drivers to carry a minimum amount of car insurance, including:

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury

    This type of liability coverage helps cover the medical expenses of others if you cause an accident. New Jersey states that you must have at least $25,000 in bodily injury liability per person and at least $50,000 per accident.

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage

    This coverage pays to repair any damage to someone else’s vehicle or property after an accident you caused. New Jersey requires $25,000 in property damage liability per accident.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Personal injury protection (PIP)

    Also referred to as no-fault insurance, personal injury protection helps cover your expenses — such as medical bills, lost wages, and funeral costs — after a car accident, regardless of who is at fault. In New Jersey, you must invest in $15,000 of PIP per person.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist bodily injury

    This type of coverage can pay for your medical bills and property damage if an uninsured or underinsured driver hits your vehicle. New Jersey requires uninsured and underinsured coverage equal to the minimum bodily injury liability coverage.[6]

Cheap Car Insurance

Cheap Car Insurance

Find New Jersey Car Insurance

Compare rates from 100+ top car insurance companies all in one place

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

New Jersey car insurance FAQs

Here are answers to several of the most common questions related to auto insurance in New Jersey.

  • What is the average cost of car insurance in New Jersey?

    The average cost of car insurance in New Jersey is $111 per month for a liability-only policy and $211 per month for a full-coverage policy. Your age, driving habits, location, insurance company, and other factors will determine the rates you receive.

  • What factors affect car insurance costs in New Jersey?

    A number of factors affect what you pay for auto insurance in the Garden State. In addition to your driving record, car insurance providers will consider your age, gender, marital status, location, and more.

  • Do car insurance rates vary by county in New Jersey?

    Yes, auto insurance rates vary by county in New Jersey due to factors like population density and crime rates. You’ll likely pay less for a policy if you live in a county with a small population than you would if you lived in a heavily populated county.

  • What are the best auto insurance companies in New Jersey?

    Fortunately, many reputable car insurance providers sell auto coverage in New Jersey. Examples include CSAA, NJM, and Plymouth Rock, which also happen to have the cheapest car insurance rates in New Jersey.

  • Is car insurance required in New Jersey?

    Yes, you must carry a minimum amount of auto insurance to legally drive in the Garden State. New Jersey requires at least $25,000 per person and $50,000 per accident in bodily injury coverage, $25,000 per accident in property damage coverage, $15,000 in PIP per person, and uninsured/underinsured motorist (UM/UIM) coverage equal to the minimum bodily injury liability.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed March 9, 2023
  2. Insurance Information Institute. "Auto insurance for teen drivers." Accessed March 9, 2023
  3. Fatality Facts 2020: Males and Females. "Insurance Institute for Highway Safety, Highway Loss Data Institute." Accessed March 9, 2023
  4. Insurance Information Institute. "Background on: Credit scoring." Accessed March 9, 2023
  5. Consumer Reports. "New Jersey Senate votes to ban auto insurers from using drivers’ credit scores, education, and occupation to set premiums." Accessed March 9, 2023
  6. State of New Jersey Department of Banking & Insurance. "Get Legal with New Jersey's Basic Auto Insurance Policy." Accessed March 9, 2023
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all