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Updated Feb 06, 2025
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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.

City Avg. annual full coverage premium Avg. savings vs. state average
Age 16*
Average annual full coverage premium in NJ
$6,209
Average minimum coverage premium in NJ
$2,363
Age 18
Average annual full coverage premium in NJ
$8,231
Average minimum coverage premium in NJ
$3,025
Age 20
Average annual full coverage premium in NJ
$6,500
Average minimum coverage premium in NJ
$2,268
Age 25
Average annual full coverage premium in NJ
$3,787
Average minimum coverage premium in NJ
$1,366
Age 30
Average annual full coverage premium in NJ
$2,989
Average minimum coverage premium in NJ
$1,139
Age 40
Average annual full coverage premium in NJ
$2,863
Average minimum coverage premium in NJ
$1,124
Age 50
Average annual full coverage premium in NJ
$2,741
Average minimum coverage premium in NJ
$1,100
Age 60
Average annual full coverage premium in NJ
$2,728
Average minimum coverage premium in NJ
$1,107
Age 70
Average annual full coverage premium in NJ
$2,815
Average minimum coverage premium in NJ
$1,169
Age 40
Average annual full coverage premium in NJ
$2,863
Average minimum coverage premium in NJ
$1,124
Age 50
Average annual full coverage premium in NJ
$2,741
Average minimum coverage premium in NJ
$1,100
Age 60
Average annual full coverage premium in NJ
$2,728
Average minimum coverage premium in NJ
$1,107
Age 70
Average annual full coverage premium in NJ
$2,815
Average minimum coverage premium in NJ
$1,169
*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
$5,714
Average minimum coverage premium in NJ
$2,229
Age 18
Average annual full coverage premium in NJ
$7,658
Average minimum coverage premium in NJ
$2,910
Age 20
Average annual full coverage premium in NJ
$5,620
Average minimum coverage premium in NJ
$2,124
Age 25
Average annual full coverage premium in NJ
$3,412
Average minimum coverage premium in NJ
$1,344
Age 30
Average annual full coverage premium in NJ
$2,930
Average minimum coverage premium in NJ
$1,186
Age 40
Average annual full coverage premium in NJ
$2,865
Average minimum coverage premium in NJ
$1,187
Age 50
Average annual full coverage premium in NJ
$2,716
Average minimum coverage premium in NJ
$1,139
Age 60
Average annual full coverage premium in NJ
$2,671
Average minimum coverage premium in NJ
$1,122
Age 70
Average annual full coverage premium in NJ
$2,750
Average minimum coverage premium in NJ
$1,171
Age 40
Average annual full coverage premium in NJ
$2,865
Average minimum coverage premium in NJ
$1,187
Age 50
Average annual full coverage premium in NJ
$2,716
Average minimum coverage premium in NJ
$1,139
Age 60
Average annual full coverage premium in NJ
$2,671
Average minimum coverage premium in NJ
$1,122
Age 70
Average annual full coverage premium in NJ
$2,750
Average minimum coverage premium in NJ
$1,171
*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.

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Age 16*
Avg. annual premium for drivers in NJ
$5,962
Age 17
Avg. annual premium for drivers in NJ
$5,686
Age 18
Avg. annual premium for drivers in NJ
$5,443
Age 19
Avg. annual premium for drivers in NJ
$4,997
Age 20
Avg. annual premium for drivers in NJ
$4,763
*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
$7,944
Age 19
Avg. annual premium for drivers in NJ
$6,559
Age 20
Avg. annual premium for drivers in NJ
$6,060
*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 46 percent more
Age 19 31 percent more
Age 20 27 percent more

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
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.

Clean driving record
Avg. annual premium* in NJ
$2,864
Percentage increase from NJ avg. annual premium*
0%
Avg. annual premium* in NJ
$3,221
Percentage increase from NJ avg. annual premium*
12%
Avg. annual premium* in NJ
$4,181
Percentage increase from NJ avg. annual premium*
46%
Avg. annual premium* in NJ
$5,741
Percentage increase from NJ avg. annual premium*
100%
*The rates reflected are for full coverage policies.
Avg. annual premium* in NJ
$6,277
Percentage change from NJ average annual premium*
119%
Average
Avg. annual premium* in NJ
$3,266
Percentage change from NJ average annual premium*
14%
Avg. annual premium* in NJ
$2,864
Percentage change from NJ average annual premium*
0%
Excellent
Avg. annual premium* in NJ
$2,190
Percentage change from NJ average annual premium*
-24%
*Rates reflect full coverage policies.
Avg. annual premium* in NJ
$2,864
Avg. annual premium* in NJ
$2,698
Avg. annual premium* in NJ
$2,533
BMW 330i
Avg. annual premium* in NJ
$3,399
Toyota Prius
Avg. annual premium* in NJ
$2,932
*Rates reflect full coverage policies.

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Why we're asking
Methodology
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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

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
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Good credit score
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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
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