Average Car Insurance Cost in New Jersey (2025)
Drivers in New Jersey pay an average of $158 per month for liability insurance and $216 per month for full-coverage 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 byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Table of contents
New Jersey drivers pay an average of $1,894 per year for liability coverage and $2,598 per year for full coverage, Insurify data shows. The state’s averages are similar to the nationwide average annual rates of $1,281 for liability coverage and $2,306 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
CSAA, Bristol West, and NJM 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 $207 per month. Irvington has one of the most expensive average rates, at $265 per month.
Only 3% of New Jersey drivers are uninsured.
How much is car insurance in New Jersey?
The average annual cost of a liability car insurance policy in New Jersey is $1,894, and the annual cost of a full-coverage policy is $2,598. If you pay a monthly premium, the average cost is $158 for minimum coverage and $216 for a full-coverage policy.
Your rates will vary depending on your driving record, age, chosen coverage, deductible, and other factors.
You can see how New Jersey car insurance costs compare to the national averages in the table below.
 | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| New Jersey | $158 | $216 |
| National average | $107 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How New Jersey car insurance rates have changed over the past two years
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.
See More
To find car insurance rates in New Jersey and the U.S. over the last two years, download our data here.
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: Wednesday, July 16 at 12:00 PM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Trenton | $161 | $252 |
| Jersey City | $166 | $240 |
| Camden | $206 | $267 |
| East Orange | $211 | $314 |
| Newark | $215 | $319 |
| Irvington | $217 | $314 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
Your age 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 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 ages 70 and older tend to pay slightly higher rates due to aging-related risk factors.
Here’s how much New Jersey drivers typically pay for liability-only coverage by age.
Liability-Only Rates by Age Group
Average cost to insure popular vehicles in New Jersey
Electric vehicles and SUVs are the most popular New Jersey cars, according to Edmunds.[3]
Of the five most popular cars in New Jersey, the Honda CR-V is the cheapest to insure. New Jersey drivers with a Tesla Model 3 pay some of the highest car insurance rates.
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 500+ 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 $253 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 full-coverage insurance rates for people with various driving incidents on their records. New Jersey drivers with an accident pay an average of $254 per month for full-coverage insurance. New Jersey drivers with a speeding ticket pay $289 per month, and drivers with a DUI pay $348 per month.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| Clean record | $216 | N/A |
| With accident | $254 | 37% |
| With speeding ticket | $245 | 32% |
| With DUI | $291 | 57% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 500+ 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 $1,894. New Jersey drivers with full-coverage policies pay an average annual cost of $2,598.
CSAA offers the cheapest car insurance in New Jersey, with an average monthly rate of $99 for minimum coverage.
Bristol West and NJM also have affordable liability premiums, at $146 and $154 per month, on average.
On average, New Jersey drivers pay $187 per month for car insurance. The average cost of coverage is $158 per month for state-minimum liability coverage and $216 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.[4]
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 500+ 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."
- 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.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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