Average Car Insurance Cost in New Jersey (2023)

Drivers in New Jersey pay an average of $257 per month for liability car insurance.

Anna Baluch
Written byAnna Baluch
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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 Powers
Photo of an Insurify author
Katie PowersInsurance Writer

Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Updated March 17, 2023

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In New Jersey, drivers spend an average of $314 per month and $3,768 per year on full-coverage car insurance and $257 per month and $3,084 per year on liability-only coverage. Factors like your age, driving history, marital status, vehicle type, insurance provider, coverage level, and location in the Garden State all affect the rate you receive.

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.

  • GEICO offers 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 $257 per month on average, while a full-coverage policy will cost around $314 per month. Because a full-coverage policy covers more, it’s typical for it to cost more than less-robust policies.

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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
Jersey City$328$271
Newark$452$355
Paterson$466$388
Trenton$313$275
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 $117 for full coverage and $112 for liability are far less expensive than Amica’s average monthly quotes of $494 for full coverage and $469 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.

Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
GEICO$117$112
Travelers$218$169
Plymouth Rock$194$178
Progressive$312$198
State Farm$216$205
CSAA$299$211
Liberty Mutual$317$243
Esurance$287$272
Nationwide$251$285
Mercury$303$286
Midvale Home & Auto$356$288
Bristol West$491$334
Allstate$354$336
Amica$494$469
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 $582, while a driver in their 40s may pay $263 per month — nearly 76% less.

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$317$252
Women$311$263
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

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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.

Marital StatusAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Married$273$183
Single$321$261
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 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 $314 per month for full-coverage insurance and $257 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 $625 per month for full coverage and $511 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. For example, a New Jersey driver with a DUI on their record will pay a premium for full coverage that is about 66% higher than what a driver with a clean record would pay.

Quote Price by Driving Record

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.
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

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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 $257 per month for a liability-only policy and $314 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. Several examples include GEICO, Travelers, Progressive, State Farm, Liberty Mutual, and Nationwide.

  • 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 PowersInsurance Writer
Photo of an Insurify author
Katie PowersInsurance Writer

Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.