- The average cost of car insurance in New Jersey is 4.4% less than the national average rate of $1,523.
- When compared to other Northeast states, New Jersey ranks #7 for cheapest car insurance cost.
- Average rates on popular vehicles in New Jersey include the Toyota Camry at $1,476 per year, the Ford F-150 at $1,444 per year, and the Honda CR-V at $1,172 per year.
- Teenage drivers cost the most to insure in New Jersey, with average rates ranging from $3,660 per year for a 19-year-old female driver up to $5,216 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 $1,456 per year, which is 4.4% less than the national average rate of $1,523. Car insurance rates in New Jersey average about $121 per month for full coverage.
Some of the cheapest car insurance quotes in New Jersey can be found on models like the Mazda CX-3 at an average cost of $1,124 per year, the Toyota Corolla at $1,198 per year, the Mazda 6 at $1,364 per year, and the Ford Edge at $1,238 per year.
Luxury models like the Lexus GX 460, the Acura ILX, and the Infiniti QX60 cost an average of $1,680, $1,350, and $1,650 per year, respectively, for full-coverage car insurance.
The cheapest pickup trucks to insure in New Jersey include the midsize Chevrolet Colorado at an average cost of $1,218 per year and the full-size Ford F150 at a cost of $1,444 per year. The cheapest heavy duty truck insurance can be found on the Chevrolet Silverado HD 3500 at an average cost of $1,632 per year and the GMC Sierra 2500 HD at an average cost of $1,698 per year.
Large SUVs tend to have slightly higher car insurance rates, with the Chevrolet Tahoe, Toyota Sequoia, and Ford Expedition being the three cheapest models to insure at $1,502, $1,516, and $1,578 per year, respectively.
The chart below shows average car insurance cost in New Jersey averaged for all vehicle models available for the 2021 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 $1,104 per year for a 60-year-old driver with a policy with high deductibles to $3,350 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost ranges from $92 to $279 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 $3,660 per year for a 19-year-old female driver up to $5,216 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 12.5% cheaper than New York, 11.2% cheaper than Connecticut, 10% more expensive than Pennsylvania, and 10.5% cheaper than Delaware.
When compared to states in other parts of the country, the average cost of car insurance in New Jersey is 28.1% cheaper than Florida, 12.2% cheaper than California, 36.6% more expensive than Illinois, 9.2% cheaper than Colorado, and 6.1% cheaper 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 #7 out of 11 states in the Northeast region for cheapest car insurance rates, and ranks #37 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 $1,300 per year for compact SUVs like the Toyota RAV4 and Ford Edge up to the most expensive rates on luxury cars and sports cars like the Tesla Model S, Mercedes-Benz AMG GT63, Audi R8, and Nissan GT-R.
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 Mazda CX-3, Honda CR-V, and Mazda CX-5 are the three cheapest to insure, costing an average of $1,124, $1,172, and $1,188 per year, respectively.
The list below shows the models that rank as the cheapest to insure in their respective segements.
- Cheapest compact car insurance – Chevrolet Spark at $1,134 per year or $95 per month
- Cheapest compact SUV insurance – Mazda CX-3 at $1,124 per year or $94 per month
- Cheapest midsize car insurance – Honda Insight at $1,340 per year or $112 per month
- Cheapest midsize SUV insurance – Ford Edge at $1,238 per year or $103 per month
- Cheapest full-size car insurance – Kia Cadenza at $1,462 per year or $122 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,502 per year or $125 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $1,218 per year or $102 per month
- Cheapest full-size pickup insurance – Ford F150 at $1,444 per year or $120 per month
- Cheapest heavy duty pickup insurance – Chevrolet Silverado HD 3500 at $1,632 per year or $136 per month
- Cheapest minivan insurance – Kia Sedona at $1,218 per year or $102 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $1,262 per year or $105 per month
- Cheapest compact luxury car insurance – Mercedes-Benz A220 at $1,410 per year or $118 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,240 per year or $103 per month
- Cheapest midsize luxury car insurance – Acura ILX at $1,350 per year or $113 per month
- Cheapest midsize luxury SUV insurance – Volvo V60 at $1,388 per year or $116 per month
- Cheapest full-size luxury car insurance – Audi A5 at $1,636 per year or $136 per month
- Cheapest full-size luxury SUV insurance – Volvo XC90 at $1,558 per year or $130 per month
The table below shows the top 50 cheapest vehicles to insure in New Jersey from the 2021 model year.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Mazda CX-3 | $1,124 | $94 |
| 2 | Chevrolet Spark | $1,134 | $95 |
| 3 | Honda CR-V | $1,172 | $98 |
| 4 | Kia Rio5 | $1,188 | $99 |
| 5 | Mazda CX-30 | $1,188 | $99 |
| 6 | Mazda CX-5 | $1,188 | $99 |
| 7 | Ford Ecosport | $1,192 | $99 |
| 8 | Toyota C-HR | $1,196 | $100 |
| 9 | Toyota Corolla | $1,198 | $100 |
| 10 | Nissan Rogue Sport | $1,204 | $100 |
| 11 | Hyundai Kona | $1,206 | $101 |
| 12 | Chevrolet Trax | $1,212 | $101 |
| 13 | Chevrolet Colorado | $1,218 | $102 |
| 14 | Kia Sedona | $1,218 | $102 |
| 15 | Buick Envision | $1,220 | $102 |
| 16 | Hyundai Venue | $1,222 | $102 |
| 17 | Nissan Kicks | $1,222 | $102 |
| 18 | Mitsubishi Eclipse Cross | $1,224 | $102 |
| 19 | Hyundai Tucson | $1,226 | $102 |
| 20 | Kia Sportage | $1,228 | $102 |
| 21 | Jeep Compass | $1,234 | $103 |
| 22 | Ford Edge | $1,238 | $103 |
| 23 | Kia Soul | $1,238 | $103 |
| 24 | Volkswagen Golf | $1,238 | $103 |
| 25 | Acura RDX | $1,240 | $103 |
| 26 | Chevrolet Equinox | $1,244 | $104 |
| 27 | Chevrolet Blazer | $1,248 | $104 |
| 28 | Subaru Impreza | $1,248 | $104 |
| 29 | Chevrolet Trailblazer | $1,252 | $104 |
| 30 | Honda Passport | $1,254 | $105 |
| 31 | Mazda MX-5 Miata | $1,262 | $105 |
| 32 | Honda HR-V | $1,266 | $106 |
| 33 | Volkswagen Tiguan | $1,266 | $106 |
| 34 | Kia Telluride | $1,270 | $106 |
| 35 | Nissan Frontier | $1,278 | $107 |
| 36 | Volkswagen Atlas | $1,278 | $107 |
| 37 | Ford Ranger | $1,280 | $107 |
| 38 | Subaru Forester | $1,280 | $107 |
| 39 | Cadillac XT4 | $1,282 | $107 |
| 40 | Toyota Tacoma | $1,282 | $107 |
| 41 | Ford Escape | $1,286 | $107 |
| 42 | Subaru Ascent | $1,288 | $107 |
| 43 | Nissan Rogue | $1,292 | $108 |
| 44 | Subaru Crosstrek | $1,292 | $108 |
| 45 | Buick Encore | $1,298 | $108 |
| 46 | Nissan Sentra | $1,300 | $108 |
| 47 | GMC Terrain | $1,306 | $109 |
| 48 | Kia Seltos | $1,306 | $109 |
| 49 | Volvo XC40 | $1,310 | $109 |
| 50 | Honda Civic | $1,314 | $110 |
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 $1,570 per year and ranges from $1,300 to $3,556 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 $1,064 to $2,874 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $1,280 per year or $107 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 $1,082 to $2,896 per year for the example driver risk profiles, with average cost being $1,300 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 $1,112 to $3,036 per year, with the average cost being $1,338.
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 $1,476 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,224 to $3,350 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 - $2,246 per year or $187 per month
- Jersey City Car Insurance - $1,872 per year or $156 per month
- Paterson Car Insurance - $2,176 per year or $181 per month
- Elizabeth Car Insurance - $2,130 per year or $178 per month
- Trenton Car Insurance - $1,724 per year or $144 per month
