How much is car insurance per month in New Jersey?

In New Jersey, car insurance rates are shaped by a variety of individual factors, making it difficult to pinpoint a one-size-fits-all monthly cost. However, based on average car insurance cost in New Jersey, a driver might anticipate a monthly premium of $252 for full coverage and $110 for minimum coverage. Actual premiums might differ based on the specific details of the driver and vehicle.

What is the cheapest car insurance company in New Jersey?

The cheapest car insurance company in the state varies by driver, so you may want to request quotes from several insurance providers. To help you get started, look at Bankrate’s list of the cheapest car insurance companies in New Jersey and use the same coverage types and amounts when you request quotes so you have a fair comparison of policies. Have critical information handy like your vehicle type, VIN and history of tickets to get the most accurate quotes.

What are New Jersey's new auto insurance laws?

New Jersey’s new auto insurance minimum liability laws took effect in January 2023, increasing the minimum liability car insurance requirements for all drivers. To drive legally in the state, drivers must have a minimum of: $25,000 in bodily injury liability per person $50,000 in bodily injury liability per accident $25,000 in property damage per accident $15,000 in personal injury protection (PIP) Uninsured and underinsured motorist bodily injury requirements must also be at least $25,000 per person and $50,000 per person. Rates for bodily injury will increase again in January 2026 to $35,000 per person and $70,000 per accident.

Is New Jersey a no-fault state for car insurance?

Yes, New Jersey is a no-fault state, which means that you must purchase personal injury protection coverage (PIP). This coverage pays for medical bills and other qualifying expenses for you and your passengers regardless of who was at fault for an accident.

What is the best car insurance in New Jersey?

Determining the best auto insurance company in New Jersey comes down to individual preferences and needs. When choosing the best auto insurance, you might consider what is most important to you, such as price, coverage offerings, available discounts or customer satisfaction. The best car insurance company may not have the cheapest rates but may excel in another important area for you.

Why did my New Jersey car insurance premium go up this year?

Several factors can cause your insurance premium to increase. Economic factors like higher vehicle costs, repair costs and inflation can all impact how much you pay, but if your personal factors change, these can also cause your premium to increase. For instance, if you’re driving a different vehicle, get a ticket, adjust your deductible or lose a claims-free discount, you may see the price you pay for insurance change.

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Average cost of car insurance in New Jersey for 2025

Written by

Ashlyn Brooks

Edited by

Amelia Buckley

Reviewed by

Mark Friedlander

Updated Sep 10, 2025

The annual average cost of car insurance in New Jersey is $3,027 for full coverage and $1,316 for minimum coverage.

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How much is car insurance in New Jersey?

The average car insurance cost in New Jersey is $3,027 annually for full coverage and $1,316 for minimum coverage, which is 15 percent more than the national average for full coverage and 65 percent more for minimum coverage. Since insurance is highly individualized, several factors affect how much you pay for coverage. Shopping around, evaluating your coverage selections and maintaining a clean driving record could help you save on auto insurance.

Key takeaways

The average monthly car insurance cost in New Jersey is approximately $252 for full coverage and $110 for minimum coverage.
New Jersey drivers with a DUI conviction pay average rates that are 92 percent more compared to drivers with a clean driving record.
Having poor credit causes average New Jersey car insurance rates to be 113 percent more, while drivers with excellent credit pay an average of 25 percent less
In New Jersey, 18-year-old males on their own policy face steep insurance costs, with full coverage averaging $8,376 annually.

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New Jersey car insurance rates by city

Even within a state, auto insurance premiums can vary. Different cities and even different ZIP codes may have different average rates, which could be higher or lower than the state average. This may be due to several factors, including the likelihood of accidents, crime rates, local weather patterns, the cost of vehicle repairs and the price of healthcare services in your area. The following table shows the average annual full coverage premium for 10 of New Jersey's largest cities and how those premiums compare to the state average.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Avenel	$3,051	+1%
South Plainfield	$2,904	-4%
Elizabeth	$3,973	+27%
Hawthorne	$3,109	+3%
Haledon	$3,180	+5%
Brookside	$2,507	-19%
Madison	$2,488	-20%
Leeds Point	$2,990	-1%
Trenton	$3,134	+3%
Somerset	$2,894	-5%
Plainfield	$3,434	+13%
Iselin	$3,051	+1%
Jersey City	$3,711	+20%
Pedricktown	$2,659	-13%
Ocean Gate	$2,670	-13%
Westwood	$2,672	-12%
Florham Park	$2,531	-18%
Stone Harbor	$2,546	-17%
Delmont	$2,849	-6%
Clifton	$3,549	+16%
Lodi	$3,496	+14%
Magnolia	$2,740	-10%
Avalon	$2,546	-17%
Mizpah	$2,988	-1%
Vineland	$2,966	-2%
Emerson	$2,808	-8%
Landing	$2,515	-18%
Blackwood	$2,844	-6%
Leesburg	$2,857	-6%
Bayonne	$3,493	+14%
Garwood	$2,785	-8%
Ho Ho Kus	$2,654	-13%
Riverside	$2,630	-14%
Lavallette	$2,518	-18%
Wallington	$3,494	+14%
Secaucus	$3,173	+5%
Newark	$4,139	+31%
Johnsonburg	$2,543	-17%
Cedar Knolls	$2,529	-18%
National Park	$2,720	-11%
Glen Gardner	$2,531	-18%
Fairview	$3,963	+27%
Fort Lee	$3,659	+19%
Paterson	$4,029	+28%
Washington	$2,529	-18%
Chester	$2,513	-19%
New Gretna	$2,648	-13%
Fort Dix	$2,623	-14%
Dunellen	$2,757	-9%
Helmetta	$2,813	-7%
Fairfield	$2,716	-11%
Mc Afee	$2,800	-8%
Beverly	$2,630	-14%
Farmingdale	$2,762	-9%
Hancocks Bridge	$2,734	-10%
Rio Grande	$2,527	-18%
New Egypt	$2,604	-15%
Edison	$2,898	-4%
Teterboro	$3,133	+3%
Highlands	$2,615	-15%
Basking Ridge	$2,493	-19%
Carlstadt	$3,179	+5%
Marlton	$2,691	-12%
Glen Rock	$2,732	-10%
Hackensack	$3,498	+14%
Dumont	$2,889	-5%
Camden	$3,870	+24%
Chesterfield	$2,568	-16%
East Orange	$4,027	+28%
Hoboken	$3,682	+20%
Weehawken	$3,692	+20%
Asbury Park	$2,744	-10%
Augusta	$2,535	-18%
Randolph	$2,500	-19%
Morristown	$2,500	-19%
Whippany	$2,529	-18%
Paulsboro	$2,731	-10%
Newtonville	$2,979	-2%
Skillman	$2,536	-18%
Normandy Beach	$2,470	-20%
High Bridge	$2,500	-19%
Mahwah	$2,618	-15%
East Brunswick	$2,840	-6%
Warren	$2,583	-16%
Butler	$2,546	-17%
Demarest	$2,972	-2%
Teaneck	$3,260	+7%
Englishtown	$2,822	-7%
Port Monmouth	$2,579	-16%
Morris Plains	$2,529	-18%
Hammonton	$3,016	-0%
Wharton	$2,523	-18%
Birmingham	$2,615	-15%
West Berlin	$2,909	-4%
Princeton	$2,661	-13%
Kearny	$3,581	+17%
Wenonah	$2,744	-10%
South Dennis	$2,653	-13%
Margate City	$3,028	+0%
Cream Ridge	$2,614	-15%
Hopatcong	$2,524	-18%
Willingboro	$2,992	-1%
Goshen	$2,635	-14%
Pomona	$2,929	-3%
Alpine	$2,949	-3%
Green Creek	$2,614	-15%
Westfield	$2,755	-9%
Roselle	$3,690	+20%
Woodcliff Lake	$2,634	-14%
Dennisville	$2,644	-14%
Bogota	$3,289	+8%
Matawan	$2,798	-8%
Cape May Point	$2,576	-16%
Florence	$2,629	-14%
Manchester Township	$2,658	-13%
Spotswood	$2,807	-8%
North Arlington	$3,192	+5%
Totowa	$3,055	+1%
Pluckemin	$2,518	-18%
Highland Lakes	$2,753	-10%
Mullica Hill	$2,689	-12%
Fair Haven	$2,572	-16%
Ironia	$2,529	-18%
Newton	$2,535	-18%
Tuckerton	$2,575	-16%
Roebling	$2,629	-14%
Hillside	$3,624	+18%
Park Ridge	$2,601	-15%
Belmar	$2,417	-22%
Hibernia	$2,511	-19%
Mount Ephraim	$2,735	-10%
Dover	$2,597	-15%
Buttzville	$2,541	-17%
New Brunswick	$3,002	-1%
Little Ferry	$3,372	+11%
Mount Tabor	$2,506	-19%
Rancocas	$2,613	-15%
Zarephath	$2,877	-5%
Scotch Plains	$2,825	-7%
Orange	$4,027	+28%
South Orange	$3,425	+12%
Edgewater	$3,658	+19%
Leonia	$3,336	+10%
Cherry Hill	$2,728	-10%
Browns Mills	$2,690	-12%
Mickleton	$2,681	-12%
Mauricetown	$2,869	-5%
Winslow	$3,015	-0%
Paramus	$2,992	-1%
West Long Branch	$2,585	-16%
Greendell	$2,538	-18%
Gladstone	$2,533	-18%
Oceanville	$2,993	-1%
Asbury	$2,528	-18%
Stewartsville	$2,508	-19%
Mountainside	$2,680	-12%
Garfield	$3,552	+16%
Maplewood	$3,406	+12%
Passaic	$3,986	+27%
Bergenfield	$3,199	+5%
Leonardo	$2,579	-16%
Changewater	$2,506	-19%
Clementon	$2,982	-2%
Bellmawr	$2,737	-10%
Wyckoff	$2,634	-14%
Oradell	$2,865	-6%
Glasser	$2,525	-18%
Convent Station	$2,504	-19%
Pompton Plains	$2,564	-17%
Wanaque	$2,724	-11%
Mine Hill	$2,519	-18%
Wood Ridge	$3,165	+4%
Union City	$3,873	+25%
Midland Park	$2,655	-13%
Gibbstown	$2,648	-13%
Roseland	$2,920	-4%
Colts Neck	$2,618	-15%
Parlin	$3,016	-0%
Belleville	$3,571	+16%
Tranquility	$2,535	-18%
Bridgeton	$2,857	-6%
Fortescue	$2,855	-6%
Lanoka Harbor	$2,591	-16%
Frenchtown	$2,501	-19%
Hasbrouck Heights	$3,185	+5%
Pemberton	$2,625	-14%
Cologne	$2,945	-3%
Atlantic City	$3,744	+21%
Quakertown	$2,493	-19%
Colonia	$3,043	+1%
Stanhope	$2,538	-18%
Dorchester	$2,857	-6%
Keasbey	$3,060	+1%
Lincoln Park	$2,652	-13%
West Orange	$3,383	+11%
Clark	$2,800	-8%
Stockholm	$2,579	-16%
Gloucester City	$2,735	-10%
Collingswood	$2,622	-14%
Dorothy	$2,887	-5%
Harrington Park	$2,827	-7%
Villas	$2,552	-17%
Cranford	$2,785	-8%
Harrison	$3,581	+17%
Andover	$2,538	-18%
Denville	$2,510	-19%
Lafayette	$2,535	-18%
Rockaway	$2,577	-16%
Absecon	$3,025	-0%
Caldwell	$2,710	-11%
Harrisonville	$2,782	-8%
Mount Laurel	$2,623	-14%
Salem	$2,669	-13%
Verona	$2,916	-4%
Norwood	$2,945	-3%
Cape May Court House	$2,571	-16%
Bayville	$2,670	-13%
South River	$2,857	-6%
Closter	$2,945	-3%
Runnemede	$2,725	-11%
Ocean Grove	$2,720	-11%
Perth Amboy	$3,581	+17%
Millburn	$3,003	-1%
Lincroft	$2,579	-16%
Linwood	$2,876	-5%
Franklinville	$2,958	-2%
Clinton	$2,492	-19%
Ramsey	$2,588	-16%
Wayne	$2,967	-2%
Rochelle Park	$3,091	+2%
Haddon Heights	$2,579	-16%
Buena	$2,959	-2%
Somerville	$2,546	-17%
Union	$3,624	+18%
Riverton	$2,625	-14%
Manahawkin	$2,566	-16%
Vincentown	$2,622	-14%
Brigantine	$3,018	-0%
Monroeville	$2,718	-11%
Pennington	$2,544	-17%
Toms River	$2,677	-12%
Montvale	$2,601	-15%
Red Bank	$2,579	-16%
Oxford	$2,526	-18%
Mendham	$2,524	-18%
Gibbsboro	$2,759	-9%
Landisville	$2,927	-3%
Watchung	$2,810	-7%
Deal	$2,751	-10%
Beach Haven	$2,575	-16%
Cookstown	$2,603	-15%
Carteret	$3,556	+16%
Saddle River	$2,596	-15%
Englewood	$3,475	+14%
Atlantic Highlands	$2,572	-16%
Gillette	$2,493	-19%
Glassboro	$2,784	-8%
Dividing Creek	$2,857	-6%
Monroe Township	$2,818	-7%
Cliffside Park	$3,660	+19%
Linden	$3,692	+20%
Holmdel	$2,618	-15%
Middleville	$2,551	-17%
Atco	$2,922	-4%
Whitehouse	$2,517	-18%
Haskell	$2,693	-12%
Berkeley Heights	$2,536	-18%
Wildwood	$2,527	-18%
Estell Manor	$2,887	-5%
Kingston	$2,620	-14%
Ridgefield Park	$3,317	+9%
Moonachie	$3,283	+8%
Summit	$2,602	-15%
Westville	$2,745	-10%
Brick	$2,677	-12%
Stanton	$2,575	-16%
Budd Lake	$2,522	-18%
Millville	$2,857	-6%
Belle Mead	$2,526	-18%
Bloomsbury	$2,508	-19%
Piscataway	$2,889	-5%
Mount Arlington	$2,523	-18%
Barnegat	$2,566	-16%
Mount Holly	$2,575	-16%
Bernardsville	$2,507	-19%
Clarksboro	$2,673	-12%
Mount Royal	$2,681	-12%
Woodbine	$2,652	-13%
Martinsville	$2,549	-17%
Monmouth Beach	$2,628	-14%
Williamstown	$3,002	-1%
Point Pleasant Beach	$2,445	-21%
Green Village	$2,493	-19%
Voorhees	$2,767	-9%
Imlaystown	$2,618	-15%
Lebanon	$2,506	-19%
Maywood	$3,083	+2%
Elmer	$2,729	-10%
Glenwood	$2,753	-10%
South Hackensack	$3,356	+10%
North Bergen	$3,967	+27%
Howell	$2,760	-9%
Port Norris	$2,857	-6%
Mount Freedom	$2,514	-19%
Pennsville	$2,661	-13%
Sea Girt	$2,384	-24%
Flagtown	$2,632	-14%
Englewood Cliffs	$3,320	+9%
Ledgewood	$2,522	-18%
Raritan	$2,544	-17%
Barrington	$2,706	-11%
Millstone Township	$2,726	-10%
Mountain Lakes	$2,521	-18%
Franklin	$2,741	-10%
East Hanover	$2,672	-12%
Liberty Corner	$2,519	-18%
Chatsworth	$2,629	-14%
Shiloh	$2,858	-6%
Island Heights	$2,657	-13%
Barnegat Light	$2,575	-16%
Fairton	$2,861	-6%
Township Of Washington	$2,658	-13%
Jobstown	$2,618	-14%
Titusville	$2,533	-18%
Richland	$3,001	-1%
Lawrence Township	$2,648	-13%
Nutley	$3,152	+4%
Picatinny Arsenal	$2,525	-18%
Vauxhall	$3,624	+18%
Hazlet	$2,639	-14%
Sewell	$2,773	-9%
Annandale	$2,495	-19%
Merchantville	$3,197	+5%
Egg Harbor Township	$3,013	-0%
Princeton Junction	$2,625	-14%
Forked River	$2,575	-16%
Shrewsbury	$2,572	-16%
Pennsauken	$3,291	+8%
Manville	$2,553	-17%
Lyons	$2,502	-19%
Peapack	$2,526	-18%
East Rutherford	$3,168	+5%
Belvidere	$2,526	-18%
Schooleys Mountain	$2,488	-20%
West Creek	$2,575	-16%
Ocean City	$2,581	-16%
Milltown	$2,876	-5%
Kenilworth	$2,915	-4%
Hopewell	$2,536	-18%
Sewaren	$3,067	+1%
West New York	$3,873	+25%
Glen Ridge	$3,014	-0%
Cedarville	$2,857	-6%
Hillsborough	$2,534	-18%
Hewitt	$2,689	-12%
Waldwick	$2,620	-14%
Cliffwood	$2,879	-5%
Keyport	$2,747	-10%
Rocky Hill	$2,624	-14%
Avon By The Sea	$2,490	-19%
Branchville	$2,632	-14%
Windsor	$2,585	-16%
Livingston	$2,984	-1%
Parsippany	$2,545	-17%
Towaco	$2,624	-14%
Adelphia	$2,750	-10%
Irvington	$4,146	+31%
Montclair	$3,016	-0%
Deepwater	$2,655	-13%
Wallpack Center	$2,590	-16%
Mantua	$2,745	-10%
Waterford Works	$2,940	-3%
Sea Isle City	$2,546	-17%
Metuchen	$2,881	-5%
Woodbridge	$3,053	+1%
Bridgeport	$2,656	-13%
Medford	$2,626	-14%
Oakhurst	$2,639	-14%
Broadway	$2,545	-17%
Cresskill	$2,955	-2%
New Milford	$2,994	-1%
Saddle Brook	$3,100	+2%
Kenvil	$2,521	-18%
Port Murray	$2,535	-18%
Hainesport	$2,592	-16%
Cranbury	$2,732	-10%
South Bound Brook	$2,763	-9%
Fair Lawn	$3,169	+5%
Stockton	$2,493	-19%
Beachwood	$2,654	-13%
Ridgewood	$2,658	-13%
Northvale	$2,846	-6%
Long Branch	$2,724	-11%
Clayton	$2,931	-3%
Plainsboro	$2,667	-13%
Fords	$3,039	+0%
Eatontown	$2,579	-16%
Millington	$2,493	-19%
Marmora	$2,572	-16%
Rosemont	$2,493	-19%
Dayton	$2,717	-11%
Hampton	$2,500	-19%
South Amboy	$2,942	-3%
Lake Hiawatha	$2,546	-17%
Stirling	$2,501	-19%
Manasquan	$2,384	-24%
North Brunswick	$2,999	-1%
Tuckahoe	$2,571	-16%
Neshanic Station	$2,527	-18%
Essex Fells	$2,999	-1%
Newfield	$2,949	-3%
Lakewood	$3,167	+5%
Newfoundland	$2,654	-13%
Palisades Park	$3,654	+19%
Middletown	$2,579	-16%
Ocean View	$2,549	-17%
Malaga	$2,958	-2%
Port Elizabeth	$2,859	-6%
Monmouth Junction	$2,732	-10%
Longport	$2,957	-2%
Waretown	$2,609	-15%
Milford	$2,500	-19%
Highland Park	$2,910	-4%
Bloomfield	$3,447	+13%
Pine Brook	$2,619	-14%
Rutherford	$3,179	+5%
Oceanport	$2,607	-15%
Berlin	$2,971	-2%
New Lisbon	$2,646	-13%
Cape May	$2,527	-18%
Somers Point	$2,933	-3%
Ringwood	$2,678	-12%
Freehold	$2,762	-9%
Spring Lake	$2,420	-22%
Norma	$2,818	-7%
Pittstown	$2,493	-19%
Tennent	$2,663	-13%
Great Meadows	$2,535	-18%
Audubon	$2,609	-15%
Little Silver	$2,572	-16%
Glendora	$2,720	-11%
Juliustown	$2,618	-14%
Penns Grove	$2,661	-13%
Sicklerville	$3,003	-1%
Oaklyn	$2,719	-11%
Cedar Grove	$2,865	-6%
Port Reading	$3,051	+1%
Palmyra	$2,671	-13%
Heislerville	$2,857	-6%
Sergeantsville	$2,493	-19%
Allenwood	$2,435	-22%
Middlesex	$2,748	-10%
Boonton	$2,528	-18%
Marlboro	$2,826	-7%
Flanders	$2,520	-18%
Far Hills	$2,533	-18%
Northfield	$3,028	+0%
Deerfield Street	$2,913	-4%
Phillipsburg	$2,533	-18%
Layton	$2,534	-18%
Pine Beach	$2,654	-13%
Blairstown	$2,526	-18%
Sparta	$2,564	-17%
Strathmere	$2,572	-16%
Hightstown	$2,607	-15%
Keansburg	$2,728	-10%
Elmwood Park	$3,445	+13%
West Milford	$2,678	-12%
Tenafly	$2,963	-2%
Rumson	$2,615	-15%
Lake Hopatcong	$2,537	-18%
South Seaville	$2,631	-14%
Lyndhurst	$3,151	+4%
Allenhurst	$2,751	-10%
Newport	$2,857	-6%
Mantoloking	$2,445	-21%
Ewan	$2,745	-10%
Maple Shade	$2,702	-11%
Montville	$2,619	-14%
River Edge	$2,988	-1%
Hackettstown	$2,538	-18%
Allentown	$2,574	-16%
Baptistown	$2,500	-19%
Sussex	$2,720	-11%
Succasunna	$2,520	-18%
Springfield	$2,938	-3%
Allendale	$2,621	-14%
Columbia	$2,526	-18%
Vienna	$2,544	-17%
Pottersville	$2,498	-19%
Columbus	$2,584	-16%
Roosevelt	$2,665	-13%
Morganville	$2,826	-7%
Wickatunk	$2,701	-11%
Moorestown	$2,573	-16%
Somerdale	$2,710	-11%
Egg Harbor City	$3,024	-0%
Lakehurst	$2,670	-13%
New Providence	$2,566	-17%
West Deptford	$2,726	-10%
Flemington	$2,506	-19%
Sayreville	$2,976	-2%
Pequannock	$2,591	-16%
New Vernon	$2,491	-19%
Whitehouse Station	$2,510	-19%
Woodstown	$2,693	-12%
Roselle Park	$3,381	+11%
Long Valley	$2,490	-19%
Pleasantville	$3,030	+0%
Wrightstown	$2,572	-16%
Three Bridges	$2,504	-19%
Riverdale	$2,593	-15%
Haworth	$2,835	-7%
Bedminster	$2,521	-18%
Jackson	$2,854	-6%
Seaside Heights	$2,636	-14%
Elizabethport	$3,988	+27%
Neptune	$2,747	-10%
Swartswood	$2,528	-18%
Grenloch	$2,782	-8%
Blawenburg	$2,534	-18%
Bound Brook	$2,742	-10%
Franklin Lakes	$2,646	-13%
Oakland	$2,684	-12%
Ventnor City	$3,028	+0%
Rahway	$3,598	+17%
Fanwood	$2,825	-7%
Short Hills	$3,003	-1%
Brielle	$2,384	-24%
Hamburg	$2,741	-10%
Lawnside	$2,737	-10%
Stratford	$2,710	-11%
Swedesboro	$2,656	-13%
Woodbury Heights	$2,735	-10%
Seaside Park	$2,636	-14%
Oldwick	$2,559	-17%
Little York	$2,514	-19%
Vernon	$2,753	-10%
Ridgefield	$3,654	+19%
Bradley Beach	$2,720	-11%
Lambertville	$2,506	-19%
Fort Monmouth	$2,572	-16%
Thorofare	$2,720	-11%
Port Republic	$2,575	-16%
Minotola	$2,963	-2%
Bordentown	$2,572	-16%
Cedar Brook	$2,888	-5%
Hillsdale	$2,668	-13%
Ringoes	$2,493	-19%
Pompton Lakes	$2,729	-10%
Califon	$2,491	-19%
Netcong	$2,515	-18%
Lumberton	$2,575	-16%
Bridgewater	$2,556	-17%
Kendall Park	$2,732	-10%
Ogdensburg	$2,741	-10%
Pitman	$2,696	-12%
Milmay	$2,888	-5%
Franklin Park	$2,894	-5%
Old Bridge	$2,981	-2%
Haddonfield	$2,579	-16%
Oak Ridge	$2,594	-15%
Belford	$2,579	-16%
Montague	$2,710	-11%
Burlington	$2,626	-14%
Mays Landing	$3,024	-0%
Bloomingdale	$2,680	-12%
Little Falls	$3,081	+2%
Chatham	$2,497	-19%
Greenwich	$2,712	-11%

Average car insurance costs by age and gender in New Jersey

In New Jersey, the intersection of driving age and driving experience plays a pivotal role in car insurance rates. Younger drivers typically face high premiums, reflecting statistical data that correlates young drivers with a greater likelihood of accidents and claims.

It's important to note that while age is a significant factor in New Jersey, it does not influence rates in all states, such as Hawaii and Massachusetts. Similarly, gender may impact insurance costs in New Jersey, although it is not a determining factor in states like California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania. These nuances underscore the complexity of factors that go into determining how much car insurance costs in New Jersey.

Age 40

Average annual full coverage premium in NJ

$3,055

Average minimum coverage premium in NJ

$1,295

Age 50

Average annual full coverage premium in NJ

$2,927

Average minimum coverage premium in NJ

$1,264

Age 60

Average annual full coverage premium in NJ

$2,902

Average minimum coverage premium in NJ

$1,264

Age 70

Average annual full coverage premium in NJ

$2,992

Average minimum coverage premium in NJ

$1,324


Age 16*	Average annual full coverage premium in NJ $6,730	Average minimum coverage premium in NJ $2,814
Age 18	Average annual full coverage premium in NJ $8,376	Average minimum coverage premium in NJ $3,372
Age 20	Average annual full coverage premium in NJ $6,905	Average minimum coverage premium in NJ $2,689
Age 25	Average annual full coverage premium in NJ $4,036	Average minimum coverage premium in NJ $1,597
Age 30	Average annual full coverage premium in NJ $3,204	Average minimum coverage premium in NJ $1,322
Age 40	Average annual full coverage premium in NJ $3,055	Average minimum coverage premium in NJ $1,295
Age 50	Average annual full coverage premium in NJ $2,927	Average minimum coverage premium in NJ $1,264
Age 60	Average annual full coverage premium in NJ $2,902	Average minimum coverage premium in NJ $1,264
Age 70	Average annual full coverage premium in NJ $2,992	Average minimum coverage premium in NJ $1,324

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age 40

Average annual full coverage premium in NJ

$3,066

Average minimum coverage premium in NJ

$1,367

Age 50

Average annual full coverage premium in NJ

$2,909

Average minimum coverage premium in NJ

$1,304

Age 60

Average annual full coverage premium in NJ

$2,851

Average minimum coverage premium in NJ

$1,284

Age 70

Average annual full coverage premium in NJ

$2,912

Average minimum coverage premium in NJ

$1,323


Age 16*	Average annual full coverage premium in NJ $6,170	Average minimum coverage premium in NJ $2,632
Age 18	Average annual full coverage premium in NJ $8,251	Average minimum coverage premium in NJ $3,423
Age 20	Average annual full coverage premium in NJ $6,046	Average minimum coverage premium in NJ $2,516
Age 25	Average annual full coverage premium in NJ $3,659	Average minimum coverage premium in NJ $1,563
Age 30	Average annual full coverage premium in NJ $3,152	Average minimum coverage premium in NJ $1,370
Age 40	Average annual full coverage premium in NJ $3,066	Average minimum coverage premium in NJ $1,367
Age 50	Average annual full coverage premium in NJ $2,909	Average minimum coverage premium in NJ $1,304
Age 60	Average annual full coverage premium in NJ $2,851	Average minimum coverage premium in NJ $1,284
Age 70	Average annual full coverage premium in NJ $2,912	Average minimum coverage premium in NJ $1,323

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Bankrate’s take: Bankrate's analysis of rate trends reveals that car insurance rates in New Jersey, as in many states, often vary between genders. This variance is underpinned by historical data and risk assessments used by insurers. Statistics suggest that male drivers, especially younger ones, tend to engage in riskier driving behaviors, leading to more frequent and severe claims. As a result, insurance companies may adjust premiums accordingly. However, it's important to recognize that this is not a universal practice; several states have disallowed gender as a rating factor. Ultimately, the average car insurance cost in New Jersey reflects a complex algorithm, with gender being just one of the many factors that might influence the final rate.

Cost considerations for young drivers in New Jersey

Young drivers may be able to save on their car insurance by remaining insured on their parents' policy, but they may need to still live in their parents' home or drive their parents' car. As shown below, 18-year-old drivers who remain insured on their parents' policy pay an average of 29 percent less on their full coverage premium.


Age 16*	Avg. annual premium for drivers in NJ $6,450
Age 17	Avg. annual premium for drivers in NJ $6,179
Age 18	Avg. annual premium for drivers in NJ $5,867
Age 19	Avg. annual premium for drivers in NJ $5,445
Age 20	Avg. annual premium for drivers in NJ $5,159

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied


Age 18	Avg. annual premium for drivers in NJ $8,314
Age 19	Avg. annual premium for drivers in NJ $7,022
Age 20	Avg. annual premium for drivers in NJ $6,475

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age	Avg. annual premium difference for drivers on their own policy
Age 18	42 percent more
Age 19	29 percent more
Age 20	26 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

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How does driving record impact the cost of car insurance in New Jersey?

Having tickets, accidents or DUI/DWI convictions on your driving record tends to increase your auto insurance premium. If you have a history of driving incidents, you may be viewed as a high-risk driver. Because of the increased risk of having to pay out claims, insurance companies generally increase premiums accordingly. The premiums in the table below are averages; the actual cost you’ll pay after a ticket, accident or DUI will depend on the severity of the incident, your other driving record information and additional rating factors like your age.


Clean driving record	Avg. annual premium* in NJ $3,061	Percentage increase from NJ avg. annual premium* 0%
Speeding ticket conviction	Avg. annual premium* in NJ $3,500	Percentage increase from NJ avg. annual premium* 14%
At-fault accident	Avg. annual premium* in NJ $4,441	Percentage increase from NJ avg. annual premium* 45%
DUI conviction	Avg. annual premium* in NJ $5,886	Percentage increase from NJ avg. annual premium* 92%

*The rates reflected are for full coverage policies.

Car insurance rates in New Jersey by credit tier

Another factor that impacts New Jersey car insurance rates is credit history, with residents of the state with poor credit history paying 113 percent more for their premiums on average. Many car insurance companies see drivers with poor credit as more likely to file claims and increase rates accordingly. Improving your credit score by paying bills on time and keeping your credit utilization ratio low may bring down your auto insurance rates over time.


Poor	Avg. annual premium* in NJ $6,507	Percentage change from NJ average annual premium* 113%
Average	Avg. annual premium* in NJ $3,492	Percentage change from NJ average annual premium* 14%
Good	Avg. annual premium* in NJ $3,061	Percentage change from NJ average annual premium* 0%
Excellent	Avg. annual premium* in NJ $2,302	Percentage change from NJ average annual premium* -25%

*Rates reflect full coverage policies.

New Jersey car insurance rates by vehicle type

The make and model of the vehicle you drive also affects average car insurance rates in New Jersey. Your vehicle type can impact the statistical likelihood of crashes, the price for parts and labor, and the coverage options you may purchase. Below is a list of vehicle types that represent a variety of lifestyles and budgets:


Toyota Camry	Avg. annual premium* in NJ $3,061
Ford F-150	Avg. annual premium* in NJ $2,889
Honda Odyssey	Avg. annual premium* in NJ $2,731
BMW 330i	Avg. annual premium* in NJ $3,639
Toyota Prius	Avg. annual premium* in NJ $3,163

*Rates reflect full coverage policies.

Estimate your car insurance cost in New Jersey

Navigating the landscape of car insurance rates in New Jersey can feel complex, given the multitude of personal factors at play. To demystify this process and provide a tailored estimate, Bankrate offers a specialized calculator widget. By inputting key personal details, users can receive an approximation of their monthly car insurance premium. This tool takes into account individual circumstances, distilling them into an accessible figure to aid in financial planning.

It's important to note that while the estimate offers a snapshot based on current average car insurance rates in New Jersey, actual premiums may vary. This calculator helps establish a starting point for comparison, empowering you to make an informed decision when selecting an insurance policy.

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How to save on car insurance in New Jersey

Although New Jersey full coverage car insurance rates are below the national average, many drivers may still be looking for ways to save on their premiums. These strategies might help bring down your rates.

Ask for multiple quotes. Insurance premiums can vary widely between providers, so it helps to request quotes from multiple insurers. Use the same coverage types and amounts when you ask for quotes so you get an apples-to-apples comparison.
Research discount opportunities. Most car insurance companies offer at least a few discounts that might help you save on your premium. Common ones include paperless billing, bundling and good student discounts.
Maintain safe driving habits. If you don’t have tickets or violations on your driving record, you’re likely to receive a significantly cheaper rate because of your low insurable risk. You may also qualify for a significant safe driving discount, receive accident forgiveness, or be able to earn savings by participating in a telematics program.
Consider the type of car you’ll be driving. If you’re in the market for a new car, keep in mind that the make and model matters when it comes to car insurance. Checking with your car insurance agent to find out the various costs of insuring different makes and models might help you plan your budget when shopping for a new car.

Frequently asked questions

In New Jersey, car insurance rates are shaped by a variety of individual factors, making it difficult to pinpoint a one-size-fits-all monthly cost. However, based on average car insurance cost in New Jersey, a driver might anticipate a monthly premium of $252 for full coverage and $110 for minimum coverage. Actual premiums might differ based on the specific details of the driver and vehicle.
The cheapest car insurance company in the state varies by driver, so you may want to request quotes from several insurance providers. To help you get started, look at Bankrate’s list of the cheapest car insurance companies in New Jersey and use the same coverage types and amounts when you request quotes so you have a fair comparison of policies. Have critical information handy like your vehicle type, VIN and history of tickets to get the most accurate quotes.
New Jersey’s new auto insurance minimum liability laws took effect in January 2023, increasing the minimum liability car insurance requirements for all drivers. To drive legally in the state, drivers must have a minimum of:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage per accident
- $15,000 in personal injury protection (PIP)
Uninsured and underinsured motorist bodily injury requirements must also be at least $25,000 per person and $50,000 per person. Rates for bodily injury will increase again in January 2026 to $35,000 per person and $70,000 per accident.
Yes, New Jersey is a no-fault state, which means that you must purchase personal injury protection coverage (PIP). This coverage pays for medical bills and other qualifying expenses for you and your passengers regardless of who was at fault for an accident.
Determining the best auto insurance company in New Jersey comes down to individual preferences and needs. When choosing the best auto insurance, you might consider what is most important to you, such as price, coverage offerings, available discounts or customer satisfaction. The best car insurance company may not have the cheapest rates but may excel in another important area for you.
Several factors can cause your insurance premium to increase. Economic factors like higher vehicle costs, repair costs and inflation can all impact how much you pay, but if your personal factors change, these can also cause your premium to increase. For instance, if you’re driving a different vehicle, get a ticket, adjust your deductible or lose a claims-free discount, you may see the price you pay for insurance change.

Premium

A premium is the amount the policyholder pays to the insurance company, typically on a monthly, semi-annual or annual basis, to maintain an active insurance policy.

Full coverage car insurance

Full coverage car insurance provides physical damage coverage for your own vehicle. It typically includes comprehensive and collision coverage in addition to state-mandated liability coverage.

Deductible

A deductible is the amount the policyholder agrees to pay out-of-pocket before the insurance company begins to cover expenses related to a claim.

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

Ashlyn Brooks

Writer II, Insurance

Average cost of car insurance in New Jersey for 2025

How much is car insurance in New Jersey?

Key takeaways

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New Jersey car insurance rates by city

Average car insurance costs by age and gender in New Jersey

Cost considerations for young drivers in New Jersey

Compare auto insurance rates

How does driving record impact the cost of car insurance in New Jersey?

Car insurance rates in New Jersey by credit tier

New Jersey car insurance rates by vehicle type

Estimate your car insurance cost in New Jersey

Calculate your monthly car insurance payment

How to save on car insurance in New Jersey

Frequently asked questions

How much is car insurance per month in New Jersey?

What is the cheapest car insurance company in New Jersey?

What are New Jersey's new auto insurance laws?

Is New Jersey a no-fault state for car insurance?

What is the best car insurance in New Jersey?

Why did my New Jersey car insurance premium go up this year?

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