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Average cost of car insurance in New Jersey for 2025

Updated Jan 17, 2025
The annual average cost of car insurance in New Jersey is $2,785 for full coverage and $1,112 for minimum coverage.
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How much is car insurance in New Jersey?

The average car insurance cost in New Jersey is $2,785 annually for full coverage and $1,112 for minimum coverage, which is 6 percent more than the national average for full coverage and 45 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 $232 for full coverage and $93 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 121 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 $7,932 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

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
$6,026
Average minimum coverage premium in NJ
$2,269
Age 18
Average annual full coverage premium in NJ
$7,932
Average minimum coverage premium in NJ
$2,894
Age 20
Average annual full coverage premium in NJ
$6,276
Average minimum coverage premium in NJ
$2,174
Age 25
Average annual full coverage premium in NJ
$3,676
Average minimum coverage premium in NJ
$1,313
Age 30
Average annual full coverage premium in NJ
$2,897
Average minimum coverage premium in NJ
$1,094
Age 40
Average annual full coverage premium in NJ
$2,773
Average minimum coverage premium in NJ
$1,080
Age 50
Average annual full coverage premium in NJ
$2,657
Average minimum coverage premium in NJ
$1,057
Age 60
Average annual full coverage premium in NJ
$2,644
Average minimum coverage premium in NJ
$1,065
Age 70
Average annual full coverage premium in NJ
$2,734
Average minimum coverage premium in NJ
$1,126
Age 40
Average annual full coverage premium in NJ
$2,773
Average minimum coverage premium in NJ
$1,080
Age 50
Average annual full coverage premium in NJ
$2,657
Average minimum coverage premium in NJ
$1,057
Age 60
Average annual full coverage premium in NJ
$2,644
Average minimum coverage premium in NJ
$1,065
Age 70
Average annual full coverage premium in NJ
$2,734
Average minimum coverage premium in NJ
$1,126
*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 16*
Average annual full coverage premium in NJ
$5,546
Average minimum coverage premium in NJ
$2,141
Age 18
Average annual full coverage premium in NJ
$7,404
Average minimum coverage premium in NJ
$2,794
Age 20
Average annual full coverage premium in NJ
$5,419
Average minimum coverage premium in NJ
$2,037
Age 25
Average annual full coverage premium in NJ
$3,308
Average minimum coverage premium in NJ
$1,291
Age 30
Average annual full coverage premium in NJ
$2,839
Average minimum coverage premium in NJ
$1,139
Age 40
Average annual full coverage premium in NJ
$2,798
Average minimum coverage premium in NJ
$1,144
Age 50
Average annual full coverage premium in NJ
$2,631
Average minimum coverage premium in NJ
$1,095
Age 60
Average annual full coverage premium in NJ
$2,587
Average minimum coverage premium in NJ
$1,080
Age 70
Average annual full coverage premium in NJ
$2,669
Average minimum coverage premium in NJ
$1,128
Age 40
Average annual full coverage premium in NJ
$2,798
Average minimum coverage premium in NJ
$1,144
Age 50
Average annual full coverage premium in NJ
$2,631
Average minimum coverage premium in NJ
$1,095
Age 60
Average annual full coverage premium in NJ
$2,587
Average minimum coverage premium in NJ
$1,080
Age 70
Average annual full coverage premium in NJ
$2,669
Average minimum coverage premium in NJ
$1,128
*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
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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.

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Age 16*
Avg. annual premium for drivers in NJ
$5,786
Age 17
Avg. annual premium for drivers in NJ
$5,522
Age 18
Avg. annual premium for drivers in NJ
$5,290
Age 19
Avg. annual premium for drivers in NJ
$4,852
Age 20
Avg. annual premium for drivers in NJ
$4,624
*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
$7,668
Age 19
Avg. annual premium for drivers in NJ
$6,317
Age 20
Avg. annual premium for drivers in NJ
$5,848
*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 45 percent more
Age 19 30 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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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 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
$2,785
Percentage increase from NJ avg. annual premium*
0%
Avg. annual premium* in NJ
$3,109
Percentage increase from NJ avg. annual premium*
12%
Avg. annual premium* in NJ
$4,055
Percentage increase from NJ avg. annual premium*
46%
Avg. annual premium* in NJ
$5,486
Percentage increase from NJ avg. annual premium*
97%
*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 121 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
$6,152
Percentage change from NJ average annual premium*
121%
Average
Avg. annual premium* in NJ
$3,163
Percentage change from NJ average annual premium*
14%
Avg. annual premium* in NJ
$2,785
Percentage change from NJ average annual premium*
0%
Excellent
Avg. annual premium* in NJ
$2,116
Percentage change from NJ average annual premium*
-24%
*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:

Avg. annual premium* in NJ
$2,785
Avg. annual premium* in NJ
$2,614
Avg. annual premium* in NJ
$2,452
BMW 330i
Avg. annual premium* in NJ
$3,298
Toyota Prius
Avg. annual premium* in NJ
$2,841
*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.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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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

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze January 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 coverage levels:

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
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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

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Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute