New Jersey Car Insurance Quotes & Average Rates

Full coverage car insurance in New Jersey is estimated at $1,950 a year, or $163 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $836 a year. New Jersey is a no-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 126 New Jersey cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — New Jersey

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$163/ month

$1,950 per year · carriers in New Jersey typically quote $1,385 – $2,691

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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in New Jersey

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,482	$124	-24%	Military members and families only
Geico	$1,599	$133	-18%	Usually cheapest for clean records
State Farm	$1,716	$143	-12%	Strong for young and student drivers
Progressive	$1,853	$154	-5%	Competitive after a ticket or accident
Travelers	$1,892	$158	-3%	Good multi-policy discounts
Nationwide	$1,950	$163	0%	Mid-market, wide availability
Allstate	$2,223	$185	+14%	Higher base rate, heavy discount stacking
Farmers	$2,360	$197	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in New Jersey. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

New Jersey car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$5,268	$2,258	$439
18 years old	$4,443	$1,904	$370
20 years old	$3,679	$1,577	$307
22 years old	$3,056	$1,310	$255
25 years old	$2,332	$1,000	$194
30 years old	$2,011	$862	$168
40 years old	$1,890	$810	$157
50 years old	$1,810	$776	$151
60 years old	$1,789	$767	$149
65 years old	$1,870	$801	$156
70 years old	$2,051	$879	$171
75 years old	$2,393	$1,025	$199

Estimated premiums by age in New Jersey, clean record, sedan.

How violations change your New Jersey premium

Driving record	Est. annual	Increase
Clean record	$1,950	—
1 speeding ticket	$2,399	+23%
1 at-fault accident	$2,867	+47%
DUI / DWI	$3,686	+89%

What a violation costs a 35-year-old in New Jersey. Surcharges normally stay on the policy for three to five years.

A DUI in New Jersey usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

New Jersey minimum insurance requirements

Required coverage in New Jersey	Minimum limit
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability	$25,000
PIP $15,000	Required
Basic policy option available at lower limits	Required
Insurance system	No-fault

Limits are set by statute and change from time to time. Confirm the current figures with the New Jersey Department of Insurance before you buy.

Coverage levels in New Jersey

Coverage level	Est. annual	Est. monthly
State minimum liability	$836	$70
Full coverage (100/300/100 + comp & collision)	$1,950	$163
Full coverage, high limits + low deductible	$2,321	$193

Coverage level comparison for New Jersey.

Car insurance rates in New Jersey cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 126 New Jersey cities we price.

Newark$2,200 Jersey City$2,200 Paterson$2,037 Elizabeth$2,037 Edison$2,037 Trenton$2,037 Toms River$2,037 Clifton$2,037 Camden$2,037 Brick$2,037 Passaic$2,037 Cherry Hill$2,037 Union City$2,037 Bayonne$2,037 Middletown$2,037 East Orange$2,037 North Bergen$2,037 Irvington$2,037 Vineland$2,037 South Vineland$1,915 Wayne$1,915 New Brunswick$1,915 Union$1,915 Piscataway$1,915 Jackson$1,915 Lakewood$1,915 Hoboken$1,915 West New York$1,915 Perth Amboy$1,915 Plainfield$1,915 Parsippany$1,915 Bloomfield$1,915 East Brunswick$1,915 West Orange$1,915 Sayreville$1,915 Hackensack$1,915 Bridgewater$1,915 North Brunswick$1,915 Sicklerville$1,915 Sayreville Junction$1,915 Kearny$1,915 Linden$1,915 Mount Laurel$1,915 Marlboro$1,915 Teaneck$1,915 Montclair$1,915 Atlantic City$1,915 Hillsborough$1,915 Sewell$1,915 Belleville$1,915 Fort Lee$1,915 Ewing$1,915 Pennsauken$1,915 Orange$1,915 Fair Lawn$1,915 Garfield$1,915 Willingboro$1,915 Long Branch$1,915 Westfield$1,915 Princeton$1,813 Rahway$1,813 Englewood$1,813 Millville$1,813 Livingston$1,813 Bergenfield$1,813 Nutley$1,813 Paramus$1,813 West Milford$1,813 Mercerville-Hamilton Square$1,813 Randolph$1,813 Ridgewood$1,813 Bridgeton$1,813 Maplewood$1,813 Cliffside Park$1,813 Lodi$1,813 Vincentown$1,813 South Plainfield$1,813 Carteret$1,813 Mahwah$1,813 Old Bridge$1,813 Scotch Plains$1,813 South Old Bridge$1,813 Cranford$1,813 Hillside$1,813 North Plainfield$1,813 Somerset$1,813 Summit$1,813 Roselle$1,813 Basking Ridge$1,813 Pleasantville$1,813 Palisades Park$1,813 Bayville$1,813 Elmwood Park$1,813 Millburn$1,813 Lyndhurst$1,813 Sparta$1,813 Woodbridge$1,813 Glassboro$1,813 Secaucus$1,813 Maple Shade$1,813 Hawthorne$1,813 Iselin$1,813 Rutherford$1,813 Morristown$1,813 Point Pleasant$1,813 Dover$1,813 Dumont$1,813 Colonia$1,813 Tinton Falls$1,813 Lindenwold$1,813 South Orange$1,813 Wyckoff$1,813 Avenel$1,813 New Milford$1,813 Denville$1,813 South River$1,813 Hopatcong Hills$1,813 Ocean Acres$1,813 Madison$1,813 North Arlington$1,813 Asbury Park$1,813 Williamstown$1,813 Harrison$1,813 Warren Township$1,813 Fords$1,813 Ramsey$1,813

Frequently asked questions

▸How much is car insurance in New Jersey?

Full coverage in New Jersey is estimated at $1,950 a year, or $163 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $836 a year.

▸What car insurance is required in New Jersey?

New Jersey requires $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage, plus pip $15,000, basic policy option available at lower limits.

▸Is New Jersey a no-fault state?

Yes. New Jersey is a no-fault state: your own personal injury protection pays your initial medical bills regardless of who caused the crash, and your right to sue the other driver is limited.

▸Which New Jersey city has the cheapest car insurance?

Of the 126 New Jersey cities we price, Ramsey carries the lowest estimate at $1,813 a year, while Newark is highest at $2,200. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in New Jersey?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.