The average driver in New Jersey pays about $1,693 a year for full coverage — about 18% more than the US average of $1,438. That ranks New Jersey #8 of 51 states (one of the most expensive). The car you drive then shifts it: a cheap-to-insure model can land near $813, a high-loss one well over $12,467.
New Jersey insurance cost by coverage
Average New Jersey premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in New Jersey
New Jersey legally requires at least 35/70/25 in liability coverage — $35,000 bodily injury per person, $70,000 per accident, and $25,000 property damage. PIP is required. Uninsured-motorist coverage is required. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in New Jersey
Estimated annual premium in New Jersey, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
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- …and much more
Most expensive cars to insure in New Jersey
The priciest cars to insure in New Jersey — powerful, theft-prone and costly to repair.
New Jersey insurance cost by year
New Jersey premiums are up about +12% since 2019. Average New Jersey premium by year:
| Year | New Jersey avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in New Jersey's largest cities
Rates vary within New Jersey by city and ZIP — dense metros like Newark run above the state average, while smaller towns run below. Estimated typical premium in New Jersey's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Newark | $1,862/yr | +10% urban |
| Jersey City | $1,812/yr | +7% urban |
| Paterson | $1,778/yr | +5% urban |
| Elizabeth | $1,761/yr | +4% urban |
| Edison | $1,727/yr | +2% urban |
| Trenton | $1,710/yr | ≈ state avg |
| Clifton | $1,693/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.