Average Car Insurance Cost in New Jersey
Full-coverage car insurance in New Jersey averages about $2,900 a year ($242/mo). See how it compares to the national average.
Buying a $30,000 car in New Jersey
*$3,000 down, 7% APR, 60 months, tax rolled into the loan.
New Jersey adds a luxury surcharge on cars priced over $45,000.
These are estimates for planning. Rates and fees change and vary by county and vehicle — confirm with your state motor vehicle agency.
Frequently asked questions
How much is car insurance in New Jersey?
Full coverage averages about $2,900 a year, or $242 a month. Minimum coverage costs much less, and your own rate depends on your age, record, ZIP code and car.
Is New Jersey car insurance more expensive than average?
Yes — the national average across states is about $2,386 a year, so New Jersey is above average.
How can I lower my car insurance?
Compare quotes every year, raise your deductible, bundle with home or renters insurance, and choose a car that's cheaper to insure. AutoCost AI estimates insurance for any car you analyze.