Average cost of car insurance in New Jersey for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in New Jersey?
The average car insurance cost in New Jersey is $2,938 annually for full coverage and $1,272 for minimum coverage, which is 10 percent more than the national average for full coverage and 59 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 $245 for full coverage and $106 for minimum coverage.
- New Jersey drivers with a DUI conviction pay average rates that are 97 percent more compared to drivers with a clean driving record.
- Having poor credit causes average New Jersey car insurance rates to be 116 percent more, while drivers with excellent credit pay an average of 24 percent less
- In New Jersey, 18-year-old males on their own policy face steep insurance costs, with full coverage averaging $8,396 annually.
What would you like to do today?
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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Avenel | $2,924 | -0% |
South Plainfield | $2,784 | -5% |
Elizabeth | $3,862 | +27% |
Hawthorne | $2,987 | +2% |
Haledon | $3,054 | +4% |
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 16*
|
Average annual full coverage premium in NJ
$6,373
|
Average minimum coverage premium in NJ
$2,659
|
Age 18
|
Average annual full coverage premium in NJ
$8,396
|
Average minimum coverage premium in NJ
$3,366
|
Age 20
|
Average annual full coverage premium in NJ
$6,690
|
Average minimum coverage premium in NJ
$2,565
|
Age 25
|
Average annual full coverage premium in NJ
$3,887
|
Average minimum coverage premium in NJ
$1,519
|
Age 30
|
Average annual full coverage premium in NJ
$3,064
|
Average minimum coverage premium in NJ
$1,258
|
Age 40
|
Average annual full coverage premium in NJ
$2,935
|
Average minimum coverage premium in NJ
$1,237
|
Age 50
|
Average annual full coverage premium in NJ
$2,808
|
Average minimum coverage premium in NJ
$1,206
|
Age 60
|
Average annual full coverage premium in NJ
$2,793
|
Average minimum coverage premium in NJ
$1,212
|
Age 70
|
Average annual full coverage premium in NJ
$2,869
|
Average minimum coverage premium in NJ
$1,268
|
|
|
|
---|---|---|
Age 16*
|
Average annual full coverage premium in NJ
$5,859
|
Average minimum coverage premium in NJ
$2,493
|
Age 18
|
Average annual full coverage premium in NJ
$7,855
|
Average minimum coverage premium in NJ
$3,249
|
Age 20
|
Average annual full coverage premium in NJ
$5,796
|
Average minimum coverage premium in NJ
$2,403
|
Age 25
|
Average annual full coverage premium in NJ
$3,507
|
Average minimum coverage premium in NJ
$1,493
|
Age 30
|
Average annual full coverage premium in NJ
$3,009
|
Average minimum coverage premium in NJ
$1,308
|
Age 40
|
Average annual full coverage premium in NJ
$2,940
|
Average minimum coverage premium in NJ
$1,306
|
Age 50
|
Average annual full coverage premium in NJ
$2,785
|
Average minimum coverage premium in NJ
$1,249
|
Age 60
|
Average annual full coverage premium in NJ
$2,738
|
Average minimum coverage premium in NJ
$1,232
|
Age 70
|
Average annual full coverage premium in NJ
$2,808
|
Average minimum coverage premium in NJ
$1,272
|
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 31 percent less on their full coverage premium.
|
|
---|---|
Age 16*
|
Avg. annual premium for drivers in NJ
$6,116
|
Age 17
|
Avg. annual premium for drivers in NJ
$5,838
|
Age 18
|
Avg. annual premium for drivers in NJ
$5,596
|
Age 19
|
Avg. annual premium for drivers in NJ
$5,151
|
Age 20
|
Avg. annual premium for drivers in NJ
$4,917
|
|
|
---|---|
Age 18
|
Avg. annual premium for drivers in NJ
$8,125
|
Age 19
|
Avg. annual premium for drivers in NJ
$6,727
|
Age 20
|
Avg. annual premium for drivers in NJ
$6,243
|
Age | Avg. annual premium difference for drivers on their own policy |
---|---|
Age 18 | 45 percent more |
Age 19 | 31 percent more |
Age 20 | 27 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
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
$2,938
|
Percentage increase from NJ avg. annual premium*
0%
|
Avg. annual premium* in NJ
$3,309
|
Percentage increase from NJ avg. annual premium*
13%
|
|
Avg. annual premium* in NJ
$4,268
|
Percentage increase from NJ avg. annual premium*
45%
|
|
Avg. annual premium* in NJ
$5,778
|
Percentage increase from NJ avg. annual premium*
97%
|
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 116 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.
|
|
|
---|---|---|
Avg. annual premium* in NJ
$6,340
|
Percentage change from NJ average annual premium*
116%
|
|
Average
|
Avg. annual premium* in NJ
$3,354
|
Percentage change from NJ average annual premium*
14%
|
Avg. annual premium* in NJ
$2,938
|
Percentage change from NJ average annual premium*
0%
|
|
Excellent
|
Avg. annual premium* in NJ
$2,240
|
Percentage change from NJ average annual premium*
-24%
|
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:
|
|
---|---|
Avg. annual premium* in NJ
$2,938
|
|
Avg. annual premium* in NJ
$2,747
|
|
Avg. annual premium* in NJ
$2,603
|
|
BMW 330i
|
Avg. annual premium* in NJ
$3,468
|
Toyota Prius
|
Avg. annual premium* in NJ
$3,002
|
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.
Calculate your monthly car insurance payment
Get a quick estimate to make sure you're not overpaying.
Your estimate awaits...
Answer a few questions to reveal your payment
The results are in...
Your estimated payment
Ready for real rates?
Crunching the numbers...
An error occurred...
We're unable to estimate your payment
Ready for real rates?
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
Methodology
Bankrate utilizes Quadrant Information Services to analyze March 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:

Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
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.