In New Jersey, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in New Jersey by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in New Jersey
Our analysis shows that the Chevrolet Express and the Honda HR-V have the lowest average insurance costs in New Jersey, with Volkswagen Tiguan and Chevrolet TrailBlazer close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in New Jersey and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Chevrolet Express | $942 |
| Honda HR-V | $951 |
| Volkswagen Tiguan | $955 |
| Chevrolet TrailBlazer | $968 |
| GMC Savana | $982 |
| Hyundai Kona | $982 |
| Volkswagen Taos | $988 |
| Mazda CX-5 | $991 |
| Jeep Wrangler | $997 |
| Honda CR-V | $1,004 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in New Jersey
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in New Jersey
Our data shows that Subaru Legacy is the most affordable sedan to insure in New Jersey. Its average six-month full coverage cost is $1,059 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Honda Civic Sedan takes the second spot at $1,068, while the Nissan Sentra comes in third with an average cost of $1,103.
The table below shows the cheapest sedans to insure in New Jersey and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,059 |
| Honda Civic Sedan | $1,068 |
| Nissan Sentra | $1,103 |
| Nissan Versa | $1,106 |
| Kia Forte | $1,114 |
| Volkswagen Jetta | $1,128 |
| Honda Accord | $1,139 |
| Chevrolet Malibu | $1,149 |
| Toyota Corolla | $1,155 |
| Toyota Camry | $1,170 |
| Hyundai Elantra | $1,180 |
| Mazda 3 Sedan | $1,181 |
| Nissan Altima | $1,204 |
| Volkswagen Jetta GLI | $1,207 |
| Mitsubishi Mirage G4 | $1,230 |
| Kia K5 | $1,239 |
| Hyundai Sonata | $1,322 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in New Jersey
In New Jersey, the Honda HR-V and Volkswagen Tiguan are some of the most affordable SUVs to insure with an average six-month full coverage cost of $951 and $955 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $951 |
| Volkswagen Tiguan | $955 |
| Chevrolet TrailBlazer | $968 |
| Hyundai Kona | $982 |
| Volkswagen Taos | $988 |
| Mazda CX-5 | $991 |
| Jeep Wrangler | $997 |
| Honda CR-V | $1,004 |
| Subaru Crosstrek | $1,006 |
| Subaru Forester | $1,007 |
| Mazda CX-30 | $1,008 |
| Hyundai Tucson | $1,013 |
| Kia Sportage | $1,018 |
| Kia Seltos | $1,023 |
| Mini Cooper Countryman | $1,031 |
| Chevrolet Trax | $1,035 |
| Honda Pilot | $1,044 |
| Honda Passport | $1,050 |
| Toyota RAV4 | $1,052 |
| Jeep Compass | $1,052 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in New Jersey
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Honda Civic Si is one of the most inexpensive models on our list, with an average cost of $1,274.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Honda Civic Si | $1,274 |
| Chevrolet Camaro | $1,297 |
| Mazda MX-5 Miata | $1,335 |
| Ford Mustang | $1,337 |
| Porsche 718 Cayman | $1,410 |
| Porsche 718 Boxster | $1,416 |
| Subaru BRZ | $1,418 |
| Honda Civic Type R | $1,425 |
| BMW Z4 | $1,451 |
| Toyota GR86 | $1,462 |
| Toyota GR Supra | $1,466 |
| Nissan Z | $1,516 |
| Chevrolet Corvette | $1,526 |
| Toyota GR Corolla | $1,555 |
| Subaru WRX | $1,650 |
| Chevrolet Camaro ZL1 | $1,722 |
| Chevrolet Corvette Z06 | $1,914 |
| Jaguar F-Type | $1,916 |
| Porsche 911 | $2,074 |
| Porsche 911 GT3 | $2,194 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in New Jersey
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Volvo XC40 has the lowest insurance cost at $1,073 for a six-month full coverage policy. The Acura RDX and Mercedes-Benz GLA-Class also have affordable insurance rates at $1,080 and $1,152, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Volvo XC40 | $1,073 |
| Acura RDX | $1,080 |
| Mercedes-Benz GLA-Class | $1,152 |
| Acura MDX | $1,154 |
| Land Rover Discovery Sport | $1,165 |
| Audi Q3 | $1,192 |
| Cadillac XT4 | $1,202 |
| Acura Integra | $1,210 |
| Lexus RX | $1,211 |
| Volvo XC60 | $1,223 |
| BMW X3 | $1,225 |
| Lincoln Corsair | $1,227 |
| Mercedes-Benz GLB-Class | $1,246 |
| Land Rover Range Rover Evoque | $1,251 |
| Cadillac XT5 | $1,259 |
| Jaguar E-Pace | $1,262 |
| Mercedes-Benz GLC-Class | $1,269 |
| Lexus NX | $1,274 |
| BMW X1 | $1,276 |
| Volvo XC90 | $1,279 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in New Jersey
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,752 annually, which breaks down to $229 monthly.
The table below highlights the most affordable EVs to insure in New Jersey, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,011 |
| Kia Niro EV | $1,031 |
| Volkswagen ID.4 | $1,051 |
| Nissan Leaf | $1,128 |
| Kia EV6 | $1,137 |
| Chevrolet Silverado EV | $1,139 |
| Hyundai Ioniq 5 | $1,153 |
| Subaru Solterra | $1,172 |
| Ford F-150 Lightning | $1,200 |
| Toyota bZ4X | $1,200 |
| Hyundai Ioniq 6 | $1,206 |
| Volvo XC40 Recharge | $1,210 |
| Hyundai Kona Electric | $1,263 |
| Ford Mustang Mach-E | $1,275 |
| Jaguar I-Pace | $1,284 |
| Audi Q4 e-tron | $1,292 |
| Mercedes-Benz EQB | $1,300 |
| Nissan Ariya | $1,304 |
| Chevrolet Blazer EV | $1,353 |
| Cadillac LYRIQ | $1,370 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in New Jersey
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Honda HR-V is $3,638, while insuring a Chevrolet Express costs $3,698 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in New Jersey?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,011 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $1,031, according to our analysis.
Which SUVs are the cheapest to insure in New Jersey?
The Honda HR-V is one of the cheapest SUVs to insure in New Jersey, with an average cost of $951 for a six-month car insurance plan. The Volkswagen Tiguan and Chevrolet TrailBlazer also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in New Jersey?
The Honda HR-V, Chevrolet Express, Chevrolet TrailBlazer and Volkswagen Tiguan are some of the cheapest cars to insure for an 18-year-old driver in New Jersey. On the other hand, Maserati Quattroporte, Maserati Ghibli and BMW M8 Gran Coupe are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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