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Average cost of car insurance in New Jersey for 2024
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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 $2,649 annually for full coverage and $1,080 for minimum coverage, according to data from Quadrant Information Services. These figures place New Jersey car insurance rates 8 percent more than the national average for full coverage and 59 percent more for minimum coverage.
For reference, the 2024 national average for full coverage is $2,458 per year, while minimum coverage currently sits at $678 per year. Keep in mind that individual premiums can vary significantly based on personal factors such as location, age and driving history.
New Jersey residents might find their rates differ from these averages, with variations seen across different cities and ZIP codes within the state. Additionally, compared to its neighboring states, New Jersey's insurance costs are more favorable. For instance, New York's rates are significantly higher, indicating a stark contrast in regional insurance markets.
Bankrate utilizes in-depth data analysis to ensure accurate rate information, providing a valuable benchmark for New Jersey drivers seeking to understand car insurance rates in their state.
Key takeaways
- The average monthly car insurance cost in New Jersey is approximately $221 for full coverage and $90 for minimum coverage.
- New Jersey drivers with a DUI conviction pay average rates that are 96 percent more compared to drivers with a clean driving record.
- Having poor credit causes average New Jersey car insurance rates to be 125 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 $7,388 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.
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| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Avenel | $2,670 | +1% |
| South Plainfield | $2,570 | -3% |
| Elizabeth | $3,571 | +30% |
| Hawthorne | $2,756 | +4% |
| Haledon | $2,814 | +6% |
| Brookside | $2,210 | -18% |
| Madison | $2,191 | -19% |
| Leeds Point | $2,642 | -0% |
| Trenton | $2,506 | -6% |
| Somerset | $2,566 | -3% |
| Plainfield | $3,110 | +16% |
| Iselin | $2,670 | +1% |
| Jersey City | $3,312 | +22% |
| Pedricktown | $2,343 | -12% |
| Ocean Gate | $2,345 | -12% |
| Westwood | $2,366 | -11% |
| Florham Park | $2,229 | -17% |
| Stone Harbor | $2,219 | -18% |
| Delmont | $2,516 | -5% |
| Clifton | $3,156 | +17% |
| Lodi | $3,133 | +17% |
| Magnolia | $2,412 | -9% |
| Avalon | $2,219 | -18% |
| Mizpah | $2,628 | -1% |
| Vineland | $2,598 | -2% |
| Emerson | $2,493 | -6% |
| Landing | $2,234 | -17% |
| Blackwood | $2,512 | -5% |
| Leesburg | $2,522 | -5% |
| Bayonne | $3,108 | +16% |
| Garwood | $2,469 | -7% |
| Ho Ho Kus | $2,354 | -12% |
| Riverside | $2,295 | -14% |
| Lavallette | $2,201 | -18% |
| Wallington | $3,121 | +16% |
| Secaucus | $2,790 | +5% |
| Newark | $3,723 | +34% |
| Johnsonburg | $2,255 | -16% |
| Cedar Knolls | $2,226 | -17% |
| National Park | $2,398 | -10% |
| Glen Gardner | $2,227 | -17% |
| Fairview | $3,572 | +30% |
| Fort Lee | $3,282 | +21% |
| Paterson | $3,597 | +30% |
| Washington | $2,239 | -17% |
| Chester | $2,217 | -18% |
| New Gretna | $2,316 | -13% |
| Fort Dix | $2,312 | -14% |
| Dunellen | $2,457 | -8% |
| Helmetta | $2,476 | -7% |
| Fairfield | $2,401 | -10% |
| Mc Afee | $2,494 | -6% |
| Beverly | $2,295 | -14% |
| Farmingdale | $2,434 | -8% |
| Hancocks Bridge | $2,396 | -10% |
| Rio Grande | $2,204 | -18% |
| New Egypt | $2,289 | -15% |
| Edison | $2,580 | -3% |
| Teterboro | $2,765 | +4% |
| Highlands | $2,303 | -14% |
| Basking Ridge | $2,196 | -19% |
| Carlstadt | $2,805 | +6% |
| Marlton | $2,352 | -12% |
| Glen Rock | $2,418 | -9% |
| Hackensack | $3,137 | +17% |
| Dumont | $2,566 | -3% |
| Camden | $3,484 | +27% |
| Chesterfield | $2,253 | -16% |
| East Orange | $3,642 | +32% |
| Hoboken | $3,290 | +22% |
| Weehawken | $3,300 | +22% |
| Asbury Park | $2,422 | -9% |
| Augusta | $2,245 | -17% |
| Randolph | $2,207 | -18% |
| Morristown | $2,200 | -19% |
| Whippany | $2,226 | -17% |
| Paulsboro | $2,408 | -10% |
| Newtonville | $2,633 | -1% |
| Skillman | $2,232 | -17% |
| Normandy Beach | $2,160 | -20% |
| High Bridge | $2,197 | -19% |
| Mahwah | $2,322 | -13% |
| East Brunswick | $2,502 | -6% |
| Warren | $2,273 | -15% |
| Butler | $2,239 | -17% |
| Demarest | $2,635 | -1% |
| Teaneck | $2,907 | +9% |
| Englishtown | $2,484 | -6% |
| Port Monmouth | $2,268 | -15% |
| Morris Plains | $2,226 | -17% |
| Hammonton | $2,656 | +0% |
| Wharton | $2,242 | -17% |
| Birmingham | $2,314 | -13% |
| West Berlin | $2,562 | -3% |
| Princeton | $2,325 | -13% |
| Kearny | $3,218 | +19% |
| Wenonah | $2,420 | -9% |
| South Dennis | $2,302 | -14% |
| Margate City | $2,676 | +1% |
| Cream Ridge | $2,301 | -14% |
| Hopatcong | $2,242 | -17% |
| Willingboro | $2,648 | -0% |
| Goshen | $2,318 | -13% |
| Pomona | $2,567 | -3% |
| Alpine | $2,616 | -1% |
| Green Creek | $2,301 | -14% |
| Westfield | $2,453 | -8% |
| Roselle | $3,299 | +22% |
| Woodcliff Lake | $2,334 | -13% |
| Dennisville | $2,294 | -14% |
| Bogota | $2,935 | +10% |
| Matawan | $2,468 | -7% |
| Cape May Point | $2,234 | -17% |
| Florence | $2,294 | -14% |
| Manchester Township | $2,336 | -13% |
| Spotswood | $2,471 | -7% |
| North Arlington | $2,815 | +6% |
| Totowa | $2,703 | +2% |
| Pluckemin | $2,217 | -18% |
| Highland Lakes | $2,440 | -8% |
| Mullica Hill | $2,369 | -11% |
| Fair Haven | $2,263 | -16% |
| Ironia | $2,247 | -16% |
| Newton | $2,245 | -17% |
| Tuckerton | $2,240 | -17% |
| Roebling | $2,294 | -14% |
| Hillside | $3,259 | +21% |
| Park Ridge | $2,303 | -14% |
| Belmar | $2,115 | -22% |
| Hibernia | $2,230 | -17% |
| Mount Ephraim | $2,412 | -9% |
| Dover | $2,315 | -13% |
| Buttzville | $2,254 | -16% |
| New Brunswick | $2,648 | -0% |
| Little Ferry | $2,998 | +12% |
| Mount Tabor | $2,215 | -18% |
| Rancocas | $2,300 | -14% |
| Zarephath | $2,529 | -5% |
| Scotch Plains | $2,515 | -5% |
| Orange | $3,642 | +32% |
| South Orange | $3,058 | +14% |
| Edgewater | $3,281 | +21% |
| Leonia | $2,974 | +12% |
| Cherry Hill | $2,375 | -11% |
| Browns Mills | $2,369 | -11% |
| Mickleton | $2,357 | -12% |
| Mauricetown | $2,520 | -5% |
| Winslow | $2,655 | +0% |
| Paramus | $2,655 | +0% |
| West Long Branch | $2,268 | -15% |
| Greendell | $2,248 | -16% |
| Gladstone | $2,231 | -17% |
| Oceanville | $2,646 | -0% |
| Asbury | $2,225 | -17% |
| Stewartsville | $2,212 | -18% |
| Mountainside | $2,365 | -11% |
| Garfield | $3,173 | +18% |
| Maplewood | $3,047 | +14% |
| Passaic | $3,604 | +31% |
| Bergenfield | $2,858 | +8% |
| Leonardo | $2,268 | -15% |
| Changewater | $2,206 | -18% |
| Clementon | $2,629 | -1% |
| Bellmawr | $2,415 | -9% |
| Wyckoff | $2,338 | -12% |
| Oradell | $2,534 | -4% |
| Glasser | $2,237 | -17% |
| Convent Station | $2,205 | -18% |
| Pompton Plains | $2,275 | -15% |
| Wanaque | $2,420 | -9% |
| Mine Hill | $2,236 | -17% |
| Wood Ridge | $2,793 | +5% |
| Union City | $3,479 | +27% |
| Midland Park | $2,354 | -12% |
| Gibbstown | $2,334 | -13% |
| Roseland | $2,586 | -2% |
| Colts Neck | $2,302 | -14% |
| Parlin | $2,649 | -0% |
| Belleville | $3,206 | +19% |
| Tranquility | $2,246 | -16% |
| Bridgeton | $2,522 | -5% |
| Fortescue | $2,520 | -5% |
| Lanoka Harbor | $2,262 | -16% |
| Frenchtown | $2,198 | -19% |
| Hasbrouck Heights | $2,812 | +6% |
| Pemberton | $2,313 | -14% |
| Cologne | $2,570 | -3% |
| Atlantic City | $3,372 | +24% |
| Quakertown | $2,194 | -19% |
| Colonia | $2,663 | +1% |
| Stanhope | $2,254 | -16% |
| Dorchester | $2,522 | -5% |
| Keasbey | $2,677 | +1% |
| Lincoln Park | $2,347 | -12% |
| West Orange | $3,020 | +13% |
| Clark | $2,491 | -6% |
| Stockholm | $2,278 | -15% |
| Gloucester City | $2,412 | -9% |
| Collingswood | $2,275 | -15% |
| Dorothy | $2,553 | -4% |
| Harrington Park | $2,511 | -5% |
| Villas | $2,227 | -17% |
| Cranford | $2,469 | -7% |
| Harrison | $3,218 | +19% |
| Andover | $2,248 | -16% |
| Denville | $2,212 | -18% |
| Lafayette | $2,245 | -17% |
| Rockaway | $2,297 | -14% |
| Absecon | $2,677 | +1% |
| Caldwell | $2,396 | -10% |
| Harrisonville | $2,446 | -8% |
| Mount Laurel | $2,303 | -14% |
| Salem | $2,333 | -13% |
| Verona | $2,590 | -2% |
| Norwood | $2,621 | -1% |
| Cape May Court House | $2,242 | -17% |
| Bayville | $2,345 | -12% |
| South River | $2,517 | -5% |
| Closter | $2,621 | -1% |
| Runnemede | $2,405 | -10% |
| Ocean Grove | $2,401 | -10% |
| Perth Amboy | $3,209 | +19% |
| Millburn | $2,658 | +0% |
| Lincroft | $2,268 | -15% |
| Linwood | $2,537 | -4% |
| Franklinville | $2,602 | -2% |
| Clinton | $2,193 | -19% |
| Ramsey | $2,296 | -14% |
| Wayne | $2,632 | -1% |
| Rochelle Park | $2,740 | +3% |
| Haddon Heights | $2,242 | -17% |
| Buena | $2,603 | -2% |
| Somerville | $2,254 | -16% |
| Union | $3,259 | +21% |
| Riverton | $2,293 | -14% |
| Manahawkin | $2,240 | -17% |
| Vincentown | $2,300 | -14% |
| Brigantine | $2,670 | +1% |
| Monroeville | $2,396 | -10% |
| Pennington | $2,238 | -17% |
| Toms River | $2,350 | -12% |
| Montvale | $2,303 | -14% |
| Red Bank | $2,268 | -15% |
| Oxford | $2,236 | -17% |
| Mendham | $2,226 | -17% |
| Gibbsboro | $2,407 | -10% |
| Landisville | $2,573 | -3% |
| Watchung | $2,495 | -6% |
| Deal | $2,422 | -9% |
| Beach Haven | $2,240 | -17% |
| Cookstown | $2,290 | -15% |
| Carteret | $3,180 | +18% |
| Saddle River | $2,303 | -14% |
| Englewood | $3,126 | +17% |
| Atlantic Highlands | $2,263 | -16% |
| Gillette | $2,196 | -19% |
| Glassboro | $2,454 | -8% |
| Dividing Creek | $2,522 | -5% |
| Monroe Township | $2,481 | -7% |
| Cliffside Park | $3,303 | +22% |
| Linden | $3,299 | +22% |
| Holmdel | $2,299 | -14% |
| Middleville | $2,264 | -16% |
| Atco | $2,571 | -3% |
| Whitehouse | $2,212 | -18% |
| Haskell | $2,389 | -10% |
| Berkeley Heights | $2,251 | -16% |
| Wildwood | $2,204 | -18% |
| Estell Manor | $2,553 | -4% |
| Kingston | $2,308 | -14% |
| Ridgefield Park | $2,947 | +11% |
| Moonachie | $2,913 | +9% |
| Summit | $2,303 | -14% |
| Westville | $2,422 | -9% |
| Brick | $2,349 | -12% |
| Stanton | $2,270 | -15% |
| Budd Lake | $2,241 | -17% |
| Millville | $2,522 | -5% |
| Belle Mead | $2,223 | -17% |
| Bloomsbury | $2,212 | -18% |
| Piscataway | $2,560 | -3% |
| Mount Arlington | $2,242 | -17% |
| Barnegat | $2,240 | -17% |
| Mount Holly | $2,265 | -16% |
| Bernardsville | $2,211 | -18% |
| Clarksboro | $2,349 | -12% |
| Mount Royal | $2,356 | -12% |
| Woodbine | $2,311 | -14% |
| Martinsville | $2,257 | -16% |
| Monmouth Beach | $2,308 | -14% |
| Williamstown | $2,643 | -0% |
| Point Pleasant Beach | $2,143 | -21% |
| Green Village | $2,196 | -19% |
| Voorhees | $2,407 | -10% |
| Imlaystown | $2,305 | -14% |
| Lebanon | $2,205 | -18% |
| Maywood | $2,740 | +3% |
| Elmer | $2,403 | -10% |
| Glenwood | $2,440 | -8% |
| South Hackensack | $2,984 | +12% |
| North Bergen | $3,575 | +30% |
| Howell | $2,426 | -9% |
| Port Norris | $2,522 | -5% |
| Mount Freedom | $2,220 | -18% |
| Pennsville | $2,326 | -13% |
| Sea Girt | $2,085 | -24% |
| Flagtown | $2,342 | -12% |
| Englewood Cliffs | $2,936 | +10% |
| Ledgewood | $2,236 | -17% |
| Raritan | $2,254 | -16% |
| Barrington | $2,384 | -11% |
| Millstone Township | $2,408 | -10% |
| Mountain Lakes | $2,215 | -18% |
| Franklin | $2,428 | -9% |
| East Hanover | $2,375 | -11% |
| Liberty Corner | $2,219 | -18% |
| Chatsworth | $2,307 | -14% |
| Shiloh | $2,524 | -5% |
| Island Heights | $2,319 | -13% |
| Barnegat Light | $2,240 | -17% |
| Fairton | $2,525 | -5% |
| Township Of Washington | $2,359 | -12% |
| Jobstown | $2,294 | -14% |
| Titusville | $2,229 | -17% |
| Richland | $2,659 | +0% |
| Lawrence Township | $2,318 | -13% |
| Nutley | $2,775 | +5% |
| Picatinny Arsenal | $2,243 | -17% |
| Vauxhall | $3,259 | +21% |
| Hazlet | $2,310 | -14% |
| Sewell | $2,440 | -8% |
| Annandale | $2,196 | -19% |
| Merchantville | $2,855 | +7% |
| Egg Harbor Township | $2,663 | +1% |
| Princeton Junction | $2,309 | -14% |
| Forked River | $2,245 | -17% |
| Shrewsbury | $2,263 | -16% |
| Pennsauken | $2,943 | +11% |
| Manville | $2,257 | -16% |
| Lyons | $2,202 | -18% |
| Peapack | $2,225 | -17% |
| East Rutherford | $2,795 | +5% |
| Belvidere | $2,236 | -17% |
| Schooleys Mountain | $2,197 | -19% |
| West Creek | $2,240 | -17% |
| Ocean City | $2,248 | -16% |
| Milltown | $2,554 | -4% |
| Kenilworth | $2,571 | -3% |
| Hopewell | $2,232 | -17% |
| Sewaren | $2,684 | +1% |
| West New York | $3,479 | +27% |
| Glen Ridge | $2,690 | +2% |
| Cedarville | $2,522 | -5% |
| Hillsborough | $2,233 | -17% |
| Hewitt | $2,394 | -10% |
| Waldwick | $2,327 | -13% |
| Cliffwood | $2,536 | -4% |
| Keyport | $2,421 | -9% |
| Rocky Hill | $2,312 | -14% |
| Avon By The Sea | $2,182 | -19% |
| Branchville | $2,325 | -13% |
| Windsor | $2,272 | -15% |
| Livingston | $2,645 | -0% |
| Parsippany | $2,258 | -16% |
| Towaco | $2,322 | -13% |
| Adelphia | $2,430 | -9% |
| Irvington | $3,729 | +34% |
| Montclair | $2,692 | +2% |
| Deepwater | $2,330 | -13% |
| Wallpack Center | $2,290 | -15% |
| Mantua | $2,417 | -9% |
| Waterford Works | $2,592 | -2% |
| Sea Isle City | $2,219 | -18% |
| Metuchen | $2,556 | -4% |
| Woodbridge | $2,672 | +1% |
| Bridgeport | $2,341 | -12% |
| Medford | $2,304 | -14% |
| Oakhurst | $2,319 | -13% |
| Broadway | $2,258 | -16% |
| Cresskill | $2,621 | -1% |
| New Milford | $2,665 | +1% |
| Saddle Brook | $2,765 | +4% |
| Kenvil | $2,237 | -17% |
| Port Murray | $2,242 | -17% |
| Hainesport | $2,280 | -15% |
| Cranbury | $2,408 | -10% |
| South Bound Brook | $2,453 | -8% |
| Fair Lawn | $2,831 | +7% |
| Stockton | $2,194 | -19% |
| Beachwood | $2,329 | -13% |
| Ridgewood | $2,359 | -12% |
| Northvale | $2,526 | -5% |
| Long Branch | $2,399 | -10% |
| Clayton | $2,579 | -3% |
| Plainsboro | $2,348 | -12% |
| Fords | $2,659 | +0% |
| Eatontown | $2,274 | -15% |
| Millington | $2,196 | -19% |
| Marmora | $2,240 | -17% |
| Rosemont | $2,194 | -19% |
| Dayton | $2,398 | -10% |
| Hampton | $2,197 | -19% |
| South Amboy | $2,581 | -3% |
| Lake Hiawatha | $2,259 | -16% |
| Stirling | $2,205 | -18% |
| Manasquan | $2,085 | -24% |
| North Brunswick | $2,645 | -0% |
| Tuckahoe | $2,242 | -17% |
| Neshanic Station | $2,226 | -17% |
| Essex Fells | $2,654 | +0% |
| Newfield | $2,594 | -2% |
| Lakewood | $2,825 | +6% |
| Newfoundland | $2,359 | -12% |
| Palisades Park | $3,303 | +22% |
| Middletown | $2,268 | -15% |
| Ocean View | $2,219 | -18% |
| Malaga | $2,602 | -2% |
| Port Elizabeth | $2,518 | -5% |
| Monmouth Junction | $2,412 | -9% |
| Longport | $2,615 | -1% |
| Waretown | $2,290 | -15% |
| Milford | $2,197 | -19% |
| Highland Park | $2,570 | -3% |
| Bloomfield | $3,074 | +15% |
| Pine Brook | $2,317 | -13% |
| Rutherford | $2,792 | +5% |
| Oceanport | $2,296 | -14% |
| Berlin | $2,621 | -1% |
| New Lisbon | $2,331 | -13% |
| Cape May | $2,204 | -18% |
| Somers Point | $2,588 | -2% |
| Ringwood | $2,383 | -11% |
| Freehold | $2,434 | -8% |
| Spring Lake | $2,116 | -22% |
| Norma | $2,487 | -6% |
| Pittstown | $2,194 | -19% |
| Tennent | $2,331 | -13% |
| Great Meadows | $2,245 | -17% |
| Audubon | $2,264 | -16% |
| Little Silver | $2,263 | -16% |
| Glendora | $2,398 | -10% |
| Juliustown | $2,294 | -14% |
| Penns Grove | $2,326 | -13% |
| Sicklerville | $2,648 | -0% |
| Oaklyn | $2,390 | -10% |
| Cedar Grove | $2,543 | -4% |
| Port Reading | $2,670 | +1% |
| Palmyra | $2,334 | -13% |
| Heislerville | $2,522 | -5% |
| Sergeantsville | $2,194 | -19% |
| Allenwood | $2,138 | -21% |
| Middlesex | $2,444 | -8% |
| Boonton | $2,223 | -18% |
| Marlboro | $2,478 | -7% |
| Flanders | $2,234 | -17% |
| Far Hills | $2,231 | -17% |
| Northfield | $2,676 | +1% |
| Deerfield Street | $2,559 | -3% |
| Phillipsburg | $2,236 | -17% |
| Layton | $2,244 | -17% |
| Pine Beach | $2,329 | -13% |
| Blairstown | $2,236 | -17% |
| Sparta | $2,273 | -15% |
| Strathmere | $2,240 | -17% |
| Hightstown | $2,294 | -14% |
| Keansburg | $2,407 | -10% |
| Elmwood Park | $3,100 | +16% |
| West Milford | $2,385 | -10% |
| Tenafly | $2,628 | -1% |
| Rumson | $2,303 | -14% |
| Lake Hopatcong | $2,254 | -16% |
| South Seaville | $2,281 | -15% |
| Lyndhurst | $2,778 | +5% |
| Allenhurst | $2,422 | -9% |
| Newport | $2,522 | -5% |
| Mantoloking | $2,143 | -21% |
| Ewan | $2,397 | -10% |
| Maple Shade | $2,358 | -12% |
| Montville | $2,317 | -13% |
| River Edge | $2,650 | +0% |
| Hackettstown | $2,248 | -16% |
| Allentown | $2,265 | -16% |
| Baptistown | $2,197 | -19% |
| Sussex | $2,408 | -10% |
| Succasunna | $2,234 | -17% |
| Springfield | $2,608 | -2% |
| Allendale | $2,329 | -13% |
| Columbia | $2,236 | -17% |
| Vienna | $2,254 | -16% |
| Pottersville | $2,201 | -18% |
| Columbus | $2,259 | -16% |
| Roosevelt | $2,338 | -12% |
| Morganville | $2,478 | -7% |
| Wickatunk | $2,371 | -11% |
| Moorestown | $2,260 | -16% |
| Somerdale | $2,361 | -12% |
| Egg Harbor City | $2,675 | +1% |
| Lakehurst | $2,349 | -12% |
| New Providence | $2,269 | -15% |
| West Deptford | $2,401 | -10% |
| Flemington | $2,205 | -18% |
| Sayreville | $2,618 | -1% |
| Pequannock | $2,301 | -14% |
| New Vernon | $2,194 | -19% |
| Whitehouse Station | $2,205 | -18% |
| Woodstown | $2,374 | -11% |
| Roselle Park | $3,048 | +14% |
| Long Valley | $2,198 | -19% |
| Pleasantville | $2,680 | +1% |
| Wrightstown | $2,264 | -16% |
| Three Bridges | $2,201 | -18% |
| Riverdale | $2,278 | -15% |
| Haworth | $2,516 | -5% |
| Bedminster | $2,232 | -17% |
| Jackson | $2,514 | -5% |
| Seaside Heights | $2,313 | -14% |
| Elizabethport | $3,583 | +30% |
| Neptune | $2,428 | -9% |
| Swartswood | $2,238 | -17% |
| Grenloch | $2,454 | -8% |
| Blawenburg | $2,231 | -17% |
| Bound Brook | $2,441 | -8% |
| Franklin Lakes | $2,339 | -12% |
| Oakland | $2,388 | -10% |
| Ventnor City | $2,676 | +1% |
| Rahway | $3,235 | +20% |
| Fanwood | $2,515 | -5% |
| Short Hills | $2,658 | +0% |
| Brielle | $2,085 | -24% |
| Hamburg | $2,428 | -9% |
| Lawnside | $2,409 | -9% |
| Stratford | $2,361 | -12% |
| Swedesboro | $2,341 | -12% |
| Woodbury Heights | $2,409 | -9% |
| Seaside Park | $2,313 | -14% |
| Oldwick | $2,252 | -16% |
| Little York | $2,209 | -18% |
| Vernon | $2,440 | -8% |
| Ridgefield | $3,303 | +22% |
| Bradley Beach | $2,401 | -10% |
| Lambertville | $2,205 | -18% |
| Fort Monmouth | $2,263 | -16% |
| Thorofare | $2,398 | -10% |
| Port Republic | $2,240 | -17% |
| Minotola | $2,610 | -1% |
| Bordentown | $2,256 | -16% |
| Cedar Brook | $2,548 | -4% |
| Hillsdale | $2,361 | -11% |
| Ringoes | $2,194 | -19% |
| Pompton Lakes | $2,424 | -9% |
| Califon | $2,196 | -19% |
| Netcong | $2,234 | -17% |
| Lumberton | $2,265 | -16% |
| Bridgewater | $2,263 | -16% |
| Kendall Park | $2,412 | -9% |
| Ogdensburg | $2,428 | -9% |
| Pitman | $2,376 | -11% |
| Milmay | $2,554 | -4% |
| Franklin Park | $2,566 | -3% |
| Old Bridge | $2,618 | -1% |
| Haddonfield | $2,242 | -17% |
| Oak Ridge | $2,291 | -14% |
| Belford | $2,268 | -15% |
| Montague | $2,408 | -10% |
| Burlington | $2,296 | -14% |
| Mays Landing | $2,675 | +1% |
| Bloomingdale | $2,377 | -11% |
| Little Falls | $2,727 | +3% |
| Chatham | $2,200 | -19% |
| Greenwich | $2,370 | -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 16*
|
Average annual full coverage premium in NJ
$5,741
|
Average minimum coverage premium in NJ
$2,192
|
|
Age 18
|
Average annual full coverage premium in NJ
$7,388
|
Average minimum coverage premium in NJ
$2,811
|
|
Age 20
|
Average annual full coverage premium in NJ
$6,050
|
Average minimum coverage premium in NJ
$2,151
|
|
Age 25
|
Average annual full coverage premium in NJ
$3,517
|
Average minimum coverage premium in NJ
$1,294
|
|
Age 30
|
Average annual full coverage premium in NJ
$2,767
|
Average minimum coverage premium in NJ
$1,069
|
|
Age 40
|
Average annual full coverage premium in NJ
$2,650
|
Average minimum coverage premium in NJ
$1,053
|
|
Age 50
|
Average annual full coverage premium in NJ
$2,543
|
Average minimum coverage premium in NJ
$1,030
|
|
Age 60
|
Average annual full coverage premium in NJ
$2,528
|
Average minimum coverage premium in NJ
$1,037
|
|
Age 70
|
Average annual full coverage premium in NJ
$2,625
|
Average minimum coverage premium in NJ
$1,103
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in NJ
$5,211
|
Average minimum coverage premium in NJ
$2,047
|
|
Age 18
|
Average annual full coverage premium in NJ
$7,136
|
Average minimum coverage premium in NJ
$2,748
|
|
Age 20
|
Average annual full coverage premium in NJ
$5,222
|
Average minimum coverage premium in NJ
$2,006
|
|
Age 25
|
Average annual full coverage premium in NJ
$3,168
|
Average minimum coverage premium in NJ
$1,269
|
|
Age 30
|
Average annual full coverage premium in NJ
$2,715
|
Average minimum coverage premium in NJ
$1,112
|
|
Age 40
|
Average annual full coverage premium in NJ
$2,649
|
Average minimum coverage premium in NJ
$1,108
|
|
Age 50
|
Average annual full coverage premium in NJ
$2,443
|
Average minimum coverage premium in NJ
$1,059
|
|
Age 60
|
Average annual full coverage premium in NJ
$2,470
|
Average minimum coverage premium in NJ
$1,047
|
|
Age 70
|
Average annual full coverage premium in NJ
$2,563
|
Average minimum coverage premium in NJ
$1,102
|
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 30 percent less on their full coverage premium.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in NJ
$5,476
|
|
Age 17
|
Avg. annual premium for drivers in NJ
$5,266
|
|
Age 18
|
Avg. annual premium for drivers in NJ
$5,069
|
|
Age 19
|
Avg. annual premium for drivers in NJ
$4,663
|
|
Age 20
|
Avg. annual premium for drivers in NJ
$4,425
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in NJ
$7,262
|
|
Age 19
|
Avg. annual premium for drivers in NJ
$6,119
|
|
Age 20
|
Avg. annual premium for drivers in NJ
$5,636
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 43 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
$2,649
|
Percentage increase from NJ avg. annual premium*
0%
|
|
Avg. annual premium* in NJ
$2,965
|
Percentage increase from NJ avg. annual premium*
12%
|
|
|
Avg. annual premium* in NJ
$3,859
|
Percentage increase from NJ avg. annual premium*
46%
|
|
|
Avg. annual premium* in NJ
$5,194
|
Percentage increase from NJ avg. annual premium*
96%
|
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 125 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
$5,950
|
Percentage change from NJ average annual premium*
125%
|
|
|
Average
|
Avg. annual premium* in NJ
$3,052
|
Percentage change from NJ average annual premium*
15%
|
|
Avg. annual premium* in NJ
$2,649
|
Percentage change from NJ average annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in NJ
$2,020
|
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
$2,649
|
|
|
Avg. annual premium* in NJ
$2,541
|
|
|
Avg. annual premium* in NJ
$2,360
|
|
|
BMW 330i
|
Avg. annual premium* in NJ
$3,129
|
|
Toyota Prius
|
Avg. annual premium* in NJ
$2,713
|
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
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 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:
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
