- The average cost of car insurance in New Jersey is $1,902 a year or $159 per month, based on our data analysis.
- Minimum liability coverage in New Jersey costs around $853 annually for limits of 25/50/25, while liability-only coverage costs $915 per year for limits of 50/100/50.
- New Jersey Manufacturers provides the most affordable annual rates for full coverage car insurance in New Jersey, costing $1,318 per year.
- In New Jersey, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 32%, a DUI raising rates by 72%, and an at-fault accident by up to 79%.
The cost of car insurance in New Jersey varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. New Jersey Manufacturers offers the cheapest rates at $1,318 a year for full coverage.
This guide makes buying car insurance in New Jersey easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in New Jersey works and how much coverage you need.
How much is car insurance in New Jersey?
CarInsurance.com data found that drivers in New Jersey pay $159 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in New Jersey based on driver profile:
- Teen drivers in New Jersey pay the most — about $546 a month or $6,557 a year.
- Young drivers in their 20s pay an average of $255 monthly or $3,064 annually, for car insurance.
- Senior drivers pay around $164 monthly or $1,970 a year.
- A speeding ticket can increase your rates to $247 monthly or $2,958 annually.
- An at-fault accident increases car insurance rates to $287 a month or $3,442 a year.
- Poor credit drivers usually see their car insurance costs increase to $356 monthly or $4,276 annually.
Average cost of auto insurance in New Jersey by coverage level
In New Jersey, the cost of car insurance can vary depending on how much coverage you purchase. New Jersey drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in New Jersey. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in New Jersey for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $71 | $853 |
| Liability Only – 50/100/50 BI/PD | $76 | $915 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $159 | $1,902 |
State minimum car insurance in New Jersey
New Jersey’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in New Jersey is $853 a year. However, this basic coverage only offers limited protection. New Jersey drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in New Jersey must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in New Jersey
According to CarInsurance.com data, liability-only car insurance costs $915 in New Jersey for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in New Jersey
On average, premiums for full coverage car insurance in New Jersey cost $1,902 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in New Jersey
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in New Jersey have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in New Jersey
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in New Jersey by car model
New Jersey car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in New Jersey.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in New Jersey
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In New Jersey, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,856 annually.
New Jersey drivers aged 16-19 pay $4,701 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,557 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,916 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,856 per year in New Jersey.
- For senior drivers: Drivers age 65 and older can expect to pay $1,970 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in New Jersey
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In New Jersey, a DUI conviction lead to increased rates and you may see a rate hike of up to 72% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in New Jersey, be prepared for your car insurance rates to rise by up to 32% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 32% increase
- DUI conviction: 72% increase
- At-fault accident (bodily injury and property damage): 79% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in New Jersey for high-risk drivers
In New Jersey, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in New Jersey
In New Jersey, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in New Jersey by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in New Jersey, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| New Jersey Manufacturers | $560 | $560 | $1,318 |
| GEICO | $588 | $679 | $1,563 |
| Travelers | $983 | $1,043 | $1,706 |
| Plymouth Rock Assurance | $618 | $668 | $1,737 |
| Selective Insurance | $895 | $985 | $1,908 |
| State Farm | $1,089 | $1,186 | $2,153 |
| Progressive | $952 | $993 | $2,187 |
| Farmers | $1,073 | $1,101 | $2,254 |
| Allstate | $936 | $1,020 | $2,294 |
Car insurance rates by city in New Jersey
Newark is the most expensive city in New Jersey, with an average car insurance rate of $2,641 a year. Brielle is the cheapest city for New Jersey drivers at an average rate of $1,602 annually.
Car insurance rates vary by city in New Jersey for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in New Jersey.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in New Jersey per month?
In New Jersey, a full coverage car insurance policy with 100/300/100 limits typically costs about $159 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $71 |
| Liability Only – 50/100/50 BI/PD | $76 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $159 |
Final thoughts on choosing car insurance in New Jersey
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed January 2026.
- USAA. “How credit affects insurance premiums.” Accessed January 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in New Jersey. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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