Average car insurance cost in New Jersey
New Jersey is one of the most expensive places in America to insure a car, ranking #43 of 51. The average driver here pays about 20% more than the national average — an extra $492 a year for the same coverage a driver in a cheaper state gets for less.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How New Jersey compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in New Jersey next to nearby states:
| State | Full coverage /mo | Difference vs NJ |
|---|---|---|
| New Jersey | $249 | — |
| New York | $226 | −$23/mo |
| Pennsylvania | $198 | −$51/mo |
| Delaware | $302 | +$53/mo |
New Jersey car insurance FAQ
How much is car insurance in New Jersey?
Full-coverage car insurance in New Jersey averages $249 per month ($2,988 per year). A state-minimum liability policy averages $137 per month ($1,644 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in New Jersey more expensive than average?
Yes. New Jersey's full-coverage average of $249/month is about 20% above the U.S. average of $208/month, ranking #43 of 51 (1 = cheapest).
Is New Jersey a no-fault state?
Yes. New Jersey uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in New Jersey?
Minimum liability in New Jersey averages $137/month versus $249/month for full coverage — a gap of $112/month, or $1,344/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.