Car Insurance Cost in New Jersey (NJ) — 2025 Rates
The average car insurance cost in New Jersey is $2,500 per year ($208/month), which is 25% above the national average of $2,000/year. Use our calculator below to estimate your personal rate based on age, coverage level, and vehicle type.
New Jersey Car Insurance Calculator
Estimated Annual Cost
$2,494
Estimated Monthly Cost
$208
| Age Group | Minimum | Standard | Full Coverage |
|---|---|---|---|
| 16–25 | $2,155 | $3,919 | $5,486 |
| 26–35 | $1,372 | $2,494 | $3,491 |
| 36–50 | $1,176 | $2,138 | $2,993 |
| 51–65 | $1,241 | $2,256 | $3,159 |
| 65+ | $1,437 | $2,613 | $3,657 |
| Vehicle Type | Minimum | Standard | Full Coverage |
|---|---|---|---|
| Sedan | $1,372 | $2,494 | $3,491 |
| SUV | $1,516 | $2,756 | $3,859 |
| Truck | $1,444 | $2,625 | $3,675 |
| Luxury | $1,949 | $3,544 | $4,961 |
Frequently Asked Questions
What is the average car insurance cost in New Jersey?▼
The average car insurance cost in New Jersey is approximately $2,500 per year or $208 per month for standard coverage. Rates vary significantly based on your age, driving record, coverage level, and vehicle type.
How can I lower my car insurance in New Jersey?▼
You can lower your car insurance premiums by maintaining a clean driving record, bundling auto and home insurance, increasing your deductible, asking about available discounts (good student, safe driver, multi-car), and comparing quotes from multiple insurers.
What is the minimum car insurance required in New Jersey?▼
New Jersey requires drivers to carry minimum liability insurance. The exact minimums vary, but typically include bodily injury liability and property damage liability. Minimum-only coverage in New Jersey averages around $1,176 per year.
Does my credit score affect car insurance rates in New Jersey?▼
In most states, including New Jersey, insurers use credit-based insurance scores as one factor in determining premiums. A better credit score typically results in lower insurance rates. However, some states have restrictions on how credit can be used in pricing.
How much does full coverage car insurance cost in New Jersey?▼
Full coverage car insurance in New Jersey averages approximately $2,993 per year for a 36–50-year-old driver with a sedan. Full coverage includes comprehensive and collision in addition to liability.