- The average cost of car insurance in New Jersey is 24.6% more than the national average rate of $2,221.
- When compared to other Northeast states, New Jersey ranks 10th out of 11 states for cheapest car insurance cost.
- Average rates on popular vehicles in New Jersey include the Toyota Camry at $3,054 per year, the Ford F-150 at $3,182 per year, and the Honda CR-V at $2,424 per year.
- Teenage drivers cost the most to insure in New Jersey, with average rates ranging from $6,771 per year for a 19-year-old female driver up to $10,128 per year for a 16-year-old male driver.
- The compact SUV segment tends to have the cheapest car insurance in New Jersey.
How much does car insurance cost in New Jersey?
The average cost of car insurance in New Jersey is $2,844 per year, which is 24.6% more than the national average rate of $2,221. Car insurance rates in New Jersey average about $237 per month for full coverage.
Some of the cheapest car insurance quotes in New Jersey can be found on models like the Mazda CX-30 at an average cost of $2,564 per year, the Toyota Corolla at $2,770 per year, the Mazda 6 at $2,718 per year, and the Ford Edge at $2,688 per year.
Luxury models like the Lexus GX 460, the Acura ILX, and the Infiniti QX60 cost an average of $3,036, $2,518, and $2,798 per year, respectively, for full-coverage car insurance.
The cheapest pickup trucks to insure in New Jersey include the Chevrolet Colorado at an average cost of $2,504 per year and the full-size Nissan Titan at a cost of $2,660 per year. The cheapest heavy duty truck insurance can be found on the GMC Sierra 2500 HD at an average cost of $2,894 per year and the GMC Sierra 3500 at an average cost of $3,012 per year.
Large SUVs tend to have slightly higher car insurance rates, with the Chevrolet Tahoe, Chevrolet Suburban, and Nissan Armada being the three cheapest models to insure at $2,670, $2,818, and $2,944 per year, respectively.
The chart below shows average car insurance cost in New Jersey averaged for all vehicle models available for the 2024 model year. Rates are included for three different policy deductible levels for driver ages 20 through 60.
As shown in the chart, the average cost of auto insurance in New Jersey for our sample risk profiles ranges from $1,994 per year for a 60-year-old driver with a policy with high deductibles to $6,654 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost ranges from $166 to $555 per month.
If you’re insuring a teenager, expect rates to be significantly higher than even the 20-year-old rates. Average car insurance rates for teen drivers in New Jersey range from $6,771 per year for a 19-year-old female driver up to $10,128 per year for a 16-year-old male driver.
Is car insurance in New Jersey expensive?
When compared to nearby states, average New Jersey car insurance rates are 3.3% more expensive than New York, 6.2% more expensive than Connecticut, 16.7% more expensive than Pennsylvania, and 4.6% more expensive than Delaware.
When compared to states in other parts of the country, the average cost of car insurance in New Jersey is 3.2% more expensive than Florida, 0.1% more expensive than California, 22.8% more expensive than Illinois, 8.9% more expensive than Colorado, and 12.3% more expensive than Georgia.
The chart below shows how auto insurance cost in New Jersey compares to the rest of the states in the Northeast region. New Jersey ranks 10th out of 11 states in the Northeast region for cheapest car insurance rates, and ranks 46th out of all 50 states.
Average car insurance rates by vehicle segment
The chart below shows average car insurance rates in New Jersey for different vehicle segments like compact cars, luxury SUVs, and pickup trucks.
Annual average rates range from around $2,612 per year for compact SUVs like the Toyota RAV4 and Ford Escape up to more expensive rates on sports cars and luxury models.
What is the cheapest car insurance in New Jersey?
When comparing average rates for all vehicle segments, compact SUVs tend to have the cheapest car insurance quotes in New Jersey. The Subaru Crosstrek, Chevrolet Trailblazer, and Kia Soul are the three cheapest to insure, costing an average of $2,100, $2,138, and $2,220 per year, respectively.
The list below shows the models that rank as the cheapest to insure in their respective segments.
- Cheapest compact car insurance – Toyota GR Corolla at $2,470 per year or $206 per month
- Cheapest compact SUV insurance – Subaru Crosstrek at $2,100 per year or $175 per month
- Cheapest midsize car insurance – Kia K5 at $2,740 per year or $228 per month
- Cheapest midsize SUV insurance – Honda Passport at $2,264 per year or $189 per month
- Cheapest full-size car insurance – Chrysler 300 at $2,708 per year or $226 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,670 per year or $223 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $2,504 per year or $209 per month
- Cheapest full-size pickup insurance – Nissan Titan at $2,660 per year or $222 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,894 per year or $241 per month
- Cheapest minivan insurance – Honda Odyssey at $2,598 per year or $217 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $2,632 per year or $219 per month
- Cheapest compact luxury car insurance – Acura Integra at $2,528 per year or $211 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $2,378 per year or $198 per month
- Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,926 per year or $244 per month
- Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $2,658 per year or $222 per month
- Cheapest full-size luxury car insurance – Audi A5 at $3,378 per year or $282 per month
- Cheapest full-size luxury SUV insurance – Infiniti QX80 at $3,190 per year or $266 per month
The table below shows the top 50 cheapest vehicles to insure in New Jersey from the 2024 model year.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $2,100 | $175 |
| 2 | Chevrolet Trailblazer | $2,138 | $178 |
| 3 | Kia Soul | $2,220 | $185 |
| 4 | Nissan Kicks | $2,238 | $187 |
| 5 | Honda Passport | $2,264 | $189 |
| 6 | Buick Envision | $2,278 | $190 |
| 7 | Toyota Corolla Cross | $2,292 | $191 |
| 8 | Hyundai Venue | $2,312 | $193 |
| 9 | Mazda CX-5 | $2,318 | $193 |
| 10 | Ford Bronco Sport | $2,328 | $194 |
| 11 | Volkswagen Tiguan | $2,354 | $196 |
| 12 | Acura RDX | $2,378 | $198 |
| 13 | Nissan Murano | $2,390 | $199 |
| 14 | Buick Encore | $2,416 | $201 |
| 15 | Subaru Outback | $2,422 | $202 |
| 16 | Honda CR-V | $2,424 | $202 |
| 17 | Buick Envista | $2,430 | $203 |
| 18 | Volkswagen Taos | $2,436 | $203 |
| 19 | Kia Niro | $2,448 | $204 |
| 20 | Toyota GR Corolla | $2,470 | $206 |
| 21 | Subaru Ascent | $2,474 | $206 |
| 22 | Honda HR-V | $2,476 | $206 |
| 23 | Nissan Leaf | $2,490 | $208 |
| 24 | Chevrolet Colorado | $2,504 | $209 |
| 25 | Honda Civic | $2,514 | $210 |
| 26 | Lexus NX 250 | $2,516 | $210 |
| 27 | Volkswagen Atlas | $2,522 | $210 |
| 28 | Acura Integra | $2,528 | $211 |
| 29 | Subaru Forester | $2,528 | $211 |
| 30 | Volkswagen Atlas Cross Sport | $2,532 | $211 |
| 31 | Kia Seltos | $2,540 | $212 |
| 32 | GMC Terrain | $2,544 | $212 |
| 33 | Nissan Rogue | $2,554 | $213 |
| 34 | Hyundai Kona | $2,560 | $213 |
| 35 | Mazda CX-30 | $2,564 | $214 |
| 36 | Cadillac XT4 | $2,568 | $214 |
| 37 | Volkswagen ID4 | $2,578 | $215 |
| 38 | Ford Explorer | $2,580 | $215 |
| 39 | Toyota Highlander | $2,586 | $216 |
| 40 | Ford Escape | $2,594 | $216 |
| 41 | Toyota Venza | $2,594 | $216 |
| 42 | Honda Odyssey | $2,598 | $217 |
| 43 | Nissan Sentra | $2,608 | $217 |
| 44 | Subaru Impreza | $2,612 | $218 |
| 45 | Chevrolet Equinox | $2,618 | $218 |
| 46 | Toyota RAV4 | $2,620 | $218 |
| 47 | Mazda MX-5 Miata | $2,632 | $219 |
| 48 | Mazda MX-30 | $2,640 | $220 |
| 49 | Hyundai Tucson | $2,644 | $220 |
| 50 | Chevrolet Traverse | $2,654 | $221 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all New Jersey Zip Codes. Updated June 27, 2025
New Jersey car insurance rates for popular vehicles
Popular vehicles are not always the cheapest to insure, so the charts below show more detailed car insurance rates for five popular vehicles: the Ram Truck, Ford Ranger, Nissan Sentra, Honda Pilot, and Toyota Camry.
Ram 1500 pickup insurance rates
Ram Truck insurance in New Jersey costs an average of $3,290 per year and ranges from $2,728 to $7,576 per year for the sample driver risk profiles shown in the chart below.
The Ram Truck is considered a full-size truck, and other popular models include the GMC Sierra, Toyota Tundra, Ford F150, Nissan Titan, and Chevrolet Silverado.
Ford Ranger insurance rates
Ford Ranger car insurance rates in New Jersey range from $2,254 to $6,272 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $2,716 per year or $226 per month in New Jersey.
The Ford Ranger belongs to the midsize truck segment, and other popular models include the Honda Ridgeline, Toyota Tacoma, Nissan Frontier, Chevrolet Colorado, and Jeep Gladiator.
Nissan Sentra insurance rates
The chart below shows average Nissan Sentra insurance rates in New Jersey for different driver ages and risk profiles. Annual cost ranges from $2,162 to $5,920 per year for the example driver risk profiles, with average cost being $2,608 per year.
The Nissan Sentra is a compact car and other similar models include the Honda Civic, Toyota Corolla, Chevrolet Cruze, Hyundai Elantra, and Volkswagen Jetta.
Honda Pilot insurance rates
Average Honda Pilot insurance rates in New Jersey as shown in the chart below range from $2,298 to $6,398 per year, with the average cost being $2,768.
The Honda Pilot is considered a midsize SUV, and other models in this segment include the Kia Sorento, Kia Telluride, Ford Explorer, Toyota Highlander, and Ford Edge.
Toyota Camry insurance rates
The average cost for Toyota Camry insurance in New Jersey is $3,054 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,538 to $7,022 per year.
The Toyota Camry is a midsize car and other vehicles in this segment include the Nissan Altima, Hyundai Sonata, Honda Accord, Kia K5, and Chevrolet Malibu.
Average car insurance rates by city in New Jersey
Average annual and monthly car insurance rates are listed below for some of New Jersey’s larger cities. These pages show detailed city-based auto insurance information, including rankings for the cheapest models to insure in each city.
- Newark Car Insurance - $3,228 per year or $269 per month
- Jersey City Car Insurance - $2,834 per year or $236 per month
- Paterson Car Insurance - $3,158 per year or $263 per month
- Elizabeth Car Insurance - $3,106 per year or $259 per month
- Trenton Car Insurance - $2,682 per year or $224 per month
- Clifton Car Insurance - $2,846 per year or $237 per month
- Camden Car Insurance - $2,984 per year or $249 per month