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Drivers in Vineland, New Jersey, pay an average of $171 per month for state-minimum car insurance and $239 per month for full coverage. That’s much cheaper than in Newark, where drivers pay $255 per month for liability coverage and $379 per month for full coverage.
Vineland’s vehicle theft rates may help explain why its car insurance costs are lower than the New Jersey average. Vineland has a low car theft rate, with just 102 vehicle thefts in the first two quarters of 2025, according to Insurify data. That puts Vineland at No. 202 overall, while the larger metro areas of Newark and Jersey City rank No. 2 in the nation for car thefts.
Vineland drivers pay an average of $171 per month for liability-only car insurance. That’s much cheaper than the city’s average cost of $239 per month for full coverage.
If you’re one of the 78% of Vineland drivers who own their vehicle, according to Insurify data, you may decide to stick with liability-only coverage. New Jersey has the following state-minimum requirements:[1]
Bodily injury liability insurance: $35,000 per person and $70,000 per accident
Property damage liability insurance: $25,000 per accident
Personal injury protection (PIP): $15,000 per person, per accident
New Jersey also lets you opt to have your health insurance pay for accident-related injuries rather than purchasing PIP. This can lower your premiums.
The following table shows the cheapest rates for liability-only car insurance in Vineland.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| NJM | $118 |
| CSAA | $124 |
| Plymouth Rock | $128 |
| Progressive | $166 |
| Bristol West | $168 |
| Mercury | $202 |
| GEICO | $211 |
| Liberty Mutual | $246 |
| State Farm | $275 |
| Travelers | $355 |
Liability policies average $171/mo.
The average cost of full-coverage car insurance in Vineland is $239 per month. That’s cheaper than in the New York City metro area but slightly more expensive than in Toms River, where drivers pay around $218 per month.
Around 22% of drivers in Vineland have a car loan or lease, according to Insurify data. Many lenders require borrowers to have full-coverage car insurance for the duration of the loan. Vineland also has a moderate risk of flooding, so your comprehensive coverage can cover water damage from flooding.[2]
The table below shows the cheapest rates for full-coverage car insurance in Vineland.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| NJM | $149 |
| CSAA | $179 |
| Plymouth Rock | $197 |
| Progressive | $244 |
| GEICO | $271 |
| Mercury | $278 |
| Liberty Mutual | $302 |
| State Farm | $347 |
| Travelers | $448 |
Vineland is among the cheapest cities in New Jersey for car insurance, with drivers paying an average of $205 per month. Just north of Philadelphia, in Trenton, drivers pay $235 per month, while Newark drivers pay $317 per month.
Although Vineland is in a rural part of New Jersey, the city itself is midsized, with an estimated population of just over 62,700.[3] Insurify data shows that Vineland has a relatively low car theft rate, especially compared to larger urban or suburban areas. As a result, car insurance rates in Vineland tend to be lower than in many larger New Jersey cities.
The table below shows the average monthly car insurance quotes in Vineland and other New Jersey cities.
City | Average Monthly Quote |
|---|---|
| Brick | $175 |
| Toms River | $185 |
| Hoboken | $206 |
| Edison | $211 |
| Bloomfield | $220 |
| Fair Lawn | $233 |
| Kearny | $233 |
| Bayonne | $234 |
| Trenton | $235 |
| Jersey City | $240 |
| Clifton | $252 |
| Fort Lee | $263 |
| Roselle | $271 |
| West New York | $273 |
| Linden | $274 |
| Perth Amboy | $274 |
| Plainfield | $280 |
| Camden | $290 |
| Elizabeth | $298 |
| Paterson | $301 |
| East Orange | $305 |
| Irvington | $306 |
| Passaic | $307 |
| Newark | $317 |
Although car insurance in Vineland is cheaper than in most other Garden State cities, it’s still more expensive than the national average of $142 per month. As a no-fault state, New Jersey requires drivers to carry PIP as well as liability insurance, which could explain the higher average costs.
Vineland’s moderate flood risk could also cause relatively expensive insurance rates. Around 11% of properties in Vineland are at risk of flooding over the next 30 years, according to the nonprofit First Street. Filing a comprehensive claim for flood damage could slightly increase your premiums at policy renewal time.
*Quotes generated for Insurify users in and around Vineland, New Jersey within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Vineland, New Jersey within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record can affect how much you pay for car insurance. Here are the cheapest companies for Vineland drivers with a clean driving record, a speeding ticket, an at-fault accident, and a driving while intoxicated (DWI) conviction.
Cheapest car insurance for Vineland drivers with a clean driving record: NJM
Cheapest car insurance for drivers with a speeding ticket in Vineland: NJM
Cheapest car insurance for Vineland drivers with an at-fault accident: NJM
Cheapest car insurance for drivers with a DWI in Vineland: NJM
Around 2.6% of drivers in Vineland have a speeding ticket, according to Insurify data. Meanwhile, 5.1% have an at-fault accident, and 0.6% have a driving while intoxicated (DWI) conviction. Vineland drivers with an incident on their record typically pay higher car insurance rates than drivers with a clean record.
The Vineland Police Department Traffic Unit enforces New Jersey traffic laws to improve road safety.[4] This includes speed enforcement and impaired driving (DWI) enforcement, among others. But it’s still possible to find affordable car insurance if you have an incident on your record.
The following table shows the average monthly auto insurance quotes for drivers with different driving records in Vineland.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $205 |
| Speeding ticket | $275 |
| At-fault accident | $239 |
| DWI | $330 |
Vineland is a relatively easy city to navigate. But with 380 miles of roads in the city limits, you’re bound to run into traffic from time to time.[5] State Route 56, also called Landis Avenue, runs through the center of town and can be busy during the summer months as tourists visit the area for shopping, dining, and entertainment.
The area around Tarkiln Branch is prone to flooding. If you’re driving near this area in Vineland during heavy rain, it’s wise to find an alternative route. The Environmental Protection Agency (EPA) has proposed a cleanup plan to address lead and arsenic in regularly flooded areas surrounding Tarkiln Branch near the former Kil-Tone Co. Superfund site.[6]
Vineland gets around 10 inches of snow each winter. The city’s Department of Public Works & Property prioritizes winter-storm preparation and snow removal on main roads for emergency access, so neighborhood roads can take longer to clear.
Vineland generally has lighter traffic than many larger New Jersey cities, which can keep car insurance rates lower.
The average Vineland resident spends 23.7 minutes commuting to work each day compared to the national average of 27.2 minutes, according to U.S. Census Bureau data. Most residents drive alone to work, though, which can contribute to localized congestion during peak travel times.
State Route 55 runs north-south through Vineland, connecting the city to the Philadelphia metro area in the north and Cape May to the south. Summer travel to the Jersey Shore also brings heavier traffic to Route 55, increasing congestion for local drivers.[7]
The average cost of car insurance for teenage drivers in Vineland is $285 per month for liability insurance. Vineland teens can find the cheapest coverage with NJM.
New Jersey teens must be at least 16 years old to get a learner’s permit. Teens must take driver education courses through a licensed driving school and practice driving for at least six months before applying for a probationary driver’s license at age 17.
The following table shows the cheapest rates for teenage drivers in Vineland.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| NJM | $197 |
| Plymouth Rock | $220 |
| Progressive | $276 |
| Bristol West | $283 |
| CSAA | $288 |
| Mercury | $352 |
| GEICO | $365 |
| Liberty Mutual | $410 |
| State Farm | $509 |
| Travelers | $705 |
See quotes from top insurers in minutes
Approximately 17% of Vineland residents are 65 or older, according to the U.S. Census Bureau. Auto insurance for Vineland seniors averages $144 per month for liability-only insurance, but NJM offers the cheapest quotes in the city.
The table below shows the cheapest car insurance rates for senior drivers in Vineland.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| CSAA | $91 |
| NJM | $99 |
| Plymouth Rock | $104 |
| Bristol West | $138 |
| Progressive | $140 |
| Mercury | $157 |
| GEICO | $165 |
| Liberty Mutual | $201 |
| State Farm | $213 |
| Travelers | $280 |
Understanding the answers to some of the most common auto insurance questions can help you find the best coverage in Vineland.
The average cost of car insurance in Vineland is $205 per month, according to Insurify data.
Some of the main factors that affect car insurance rates in Vineland, New Jersey, include your vehicle make and model, your personal injury protection (PIP) deductible, and coverage limits. Your choice of the auto-related health insurer option and whether you select a limited or unlimited right to sue can also affect your rates.
Currently, NJM has the cheapest car insurance in New Jersey, with an average premium of $119 per month.
Car insurance costs an average of $219 per month in New Jersey.
No. You don’t need collision coverage to drive legally in New Jersey. But if you have a car loan or lease, your lender will likely require you to carry full coverage, including collision and comprehensive coverage.
Insurify data scientists analyzed more than 250 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:
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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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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