New Jersey Car Insurance Cost for 2021

What is the average cost of car insurance in New Jersey? Find the vehicles with the cheapest car insurance quotes plus see how New Jersey ranks against neighboring states.

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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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average New Jersey car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all New Jersey zip codes.
Average Car Insurance Cost in New Jersey
Average Car Insurance Cost in New Jersey
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,452$204
$500$2,890$241
$250$3,350$279
30$1,000$1,288$107
$500$1,532$128
$250$1,788$149
40$1,000$1,232$103
$500$1,456$121
$250$1,690$141
50$1,000$1,124$94
$500$1,326$111
$250$1,536$128
60$1,000$1,104$92
$500$1,302$109
$250$1,508$126

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.

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New Jersey Car Insurance Cost Compared to Northeast Region
Average Car Insurance Cost in New Jersey Compared to Northeast Region
Northeast Region States Average Insurance Cost Annual Difference
Maine$950-$506
Vermont$1,042-$414
New Hampshire$1,088-$368
Massachusetts$1,258-$198
Pennsylvania$1,324-$132
Maryland$1,384-$72
New Jersey$1,456--
Delaware$1,626$170
Connecticut$1,640$184
New York$1,664$208
Rhode Island$1,784$328

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average New Jersey car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all New Jersey Zip Codes.
New Jersey Car Insurance Rates by Vehicle Segment
New Jersey Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Large Van$1,318$110
Small SUV$1,320$110
Midsize Truck$1,324$110
Midsize Van$1,360$113
Midsize Minivan$1,380$115
Small Car$1,428$119
Midsize SUV$1,454$121
Midsize Car$1,504$125
Large Truck$1,534$128
Large SUV$1,568$131
Small Luxury SUV$1,568$131
Large Car$1,634$136
Midsize Luxury SUV$1,692$141
Small Luxury Car$1,696$141
Heavy Duty Truck$1,742$145
Midsize Luxury Car$1,952$163
Sports Car$2,066$172
Large Luxury SUV$2,100$175
Large Luxury Car$2,314$193
Exotic Car$2,930$244

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 insuranceChevrolet Spark at $1,134 per year or $95 per month
  • Cheapest compact SUV insuranceMazda CX-3 at $1,124 per year or $94 per month
  • Cheapest midsize car insuranceHonda Insight at $1,340 per year or $112 per month
  • Cheapest midsize SUV insuranceFord Edge at $1,238 per year or $103 per month
  • Cheapest full-size car insuranceKia Cadenza at $1,462 per year or $122 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,502 per year or $125 per month
  • Cheapest midsize pickup insuranceChevrolet Colorado at $1,218 per year or $102 per month
  • Cheapest full-size pickup insuranceFord F150 at $1,444 per year or $120 per month
  • Cheapest heavy duty pickup insuranceChevrolet Silverado HD 3500 at $1,632 per year or $136 per month
  • Cheapest minivan insuranceKia Sedona at $1,218 per year or $102 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,262 per year or $105 per month
  • Cheapest compact luxury car insuranceMercedes-Benz A220 at $1,410 per year or $118 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,240 per year or $103 per month
  • Cheapest midsize luxury car insuranceAcura ILX at $1,350 per year or $113 per month
  • Cheapest midsize luxury SUV insuranceVolvo V60 at $1,388 per year or $116 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $1,636 per year or $136 per month
  • Cheapest full-size luxury SUV insuranceVolvo 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.

Top 50 Cheapest Car Insurance Rates in New Jersey
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-3$1,124$94
2Chevrolet Spark$1,134$95
3Honda CR-V$1,172$98
4Kia Rio5$1,188$99
5Mazda CX-30$1,188$99
6Mazda CX-5$1,188$99
7Ford Ecosport$1,192$99
8Toyota C-HR$1,196$100
9Toyota Corolla$1,198$100
10Nissan Rogue Sport$1,204$100
11Hyundai Kona$1,206$101
12Chevrolet Trax$1,212$101
13Chevrolet Colorado$1,218$102
14Kia Sedona$1,218$102
15Buick Envision$1,220$102
16Hyundai Venue$1,222$102
17Nissan Kicks$1,222$102
18Mitsubishi Eclipse Cross$1,224$102
19Hyundai Tucson$1,226$102
20Kia Sportage$1,228$102
21Jeep Compass$1,234$103
22Ford Edge$1,238$103
23Kia Soul$1,238$103
24Volkswagen Golf$1,238$103
25Acura RDX$1,240$103
26Chevrolet Equinox$1,244$104
27Chevrolet Blazer$1,248$104
28Subaru Impreza$1,248$104
29Chevrolet Trailblazer$1,252$104
30Honda Passport$1,254$105
31Mazda MX-5 Miata$1,262$105
32Honda HR-V$1,266$106
33Volkswagen Tiguan$1,266$106
34Kia Telluride$1,270$106
35Nissan Frontier$1,278$107
36Volkswagen Atlas$1,278$107
37Ford Ranger$1,280$107
38Subaru Forester$1,280$107
39Cadillac XT4$1,282$107
40Toyota Tacoma$1,282$107
41Ford Escape$1,286$107
42Subaru Ascent$1,288$107
43Nissan Rogue$1,292$108
44Subaru Crosstrek$1,292$108
45Buick Encore$1,298$108
46Nissan Sentra$1,300$108
47GMC Terrain$1,306$109
48Kia Seltos$1,306$109
49Volvo XC40$1,310$109
50Honda Civic$1,314$110

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New Jersey.
    Top 50 Cheapest Car Insurance Rates in New Jersey

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Ram Truck with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ram Truck car insurance cost in New Jersey includes all Zip Codes and vehicle trim levels.
    Ram Truck Insurance Cost in New Jersey
    Ram Truck Insurance Cost in New Jersey
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,556$296
    Safe Driver Age 20$3,114$260
    At-fault Accidents Age 40$2,224$185
    Low Deductibles Age 40$2,000$167
    Safe Driver Age 30$1,640$137
    Safe Driver Age 40$1,570$131
    Safe Driver Age 50$1,430$119
    Safe Driver Age 60$1,404$117
    High Deductibles Age 40$1,346$112
    Discount Rate Age 40$1,300$108

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Ford Ranger with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Ranger car insurance cost in New Jersey includes all Zip Codes and vehicle trim levels.
    Ford Ranger Insurance Cost in New Jersey
    Ford Ranger Insurance Cost in New Jersey
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,874$240
    Safe Driver Age 20$2,520$210
    At-fault Accidents Age 40$1,806$151
    Low Deductibles Age 40$1,626$136
    Safe Driver Age 30$1,340$112
    Safe Driver Age 40$1,280$107
    Safe Driver Age 50$1,166$97
    Safe Driver Age 60$1,140$95
    High Deductibles Age 40$1,100$92
    Discount Rate Age 40$1,064$89

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in New Jersey includes all Zip Codes and vehicle trim levels.
    Nissan Sentra Insurance Cost in New Jersey
    Nissan Sentra Insurance Cost in New Jersey
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,896$241
    Safe Driver Age 20$2,542$212
    At-fault Accidents Age 40$1,824$152
    Low Deductibles Age 40$1,652$138
    Safe Driver Age 30$1,362$114
    Safe Driver Age 40$1,300$108
    Safe Driver Age 50$1,184$99
    Safe Driver Age 60$1,158$97
    High Deductibles Age 40$1,114$93
    Discount Rate Age 40$1,082$90

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in New Jersey includes all Zip Codes and vehicle trim levels.
    Honda Pilot Insurance Cost in New Jersey
    Honda Pilot Insurance Cost in New Jersey
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,036$253
    Safe Driver Age 20$2,658$222
    At-fault Accidents Age 40$1,874$156
    Low Deductibles Age 40$1,776$148
    Safe Driver Age 30$1,418$118
    Safe Driver Age 40$1,338$112
    Safe Driver Age 50$1,218$102
    Safe Driver Age 60$1,194$100
    High Deductibles Age 40$1,114$93
    Discount Rate Age 40$1,112$93

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in New Jersey includes all Zip Codes and vehicle trim levels.
    Toyota Camry Insurance Cost in New Jersey
    Toyota Camry Insurance Cost in New Jersey
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,350$279
    Safe Driver Age 20$2,934$245
    At-fault Accidents Age 40$2,078$173
    Low Deductibles Age 40$1,930$161
    Safe Driver Age 30$1,556$130
    Safe Driver Age 40$1,476$123
    Safe Driver Age 50$1,344$112
    Safe Driver Age 60$1,320$110
    High Deductibles Age 40$1,240$103
    Discount Rate Age 40$1,224$102

    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.