New Jersey Car Insurance Cost for 2022

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 $1,438 per year, which is 7.3% less than the national average rate of $1,551. Car insurance rates in New Jersey average about $120 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 $1,274 per year, the Toyota Corolla at $1,414 per year, the Mazda 6 at $1,432 per year, and the Ford Edge at $1,296 per year.

Luxury models like the Lexus GX 460, the Acura ILX, and the Infiniti QX60 cost an average of $1,666, $1,326, and $1,674 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 $1,186 per year and the full-size Ford F150 at a cost of $1,390 per year. The cheapest heavy duty truck insurance can be found on the Ford F350 Super Duty at an average cost of $1,562 per year and the Chevrolet Silverado HD 3500 at an average cost of $1,574 per year.

Large SUVs tend to have slightly higher car insurance rates, with the Chevrolet Tahoe, Chevrolet Suburban, and Toyota Sequoia being the three cheapest models to insure at $1,444, $1,490, and $1,498 per year, respectively.

The chart below shows average car insurance cost in New Jersey averaged for all vehicle models available for the 2022 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 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all New Jersey zip codes.Data last updated on May 19, 2022
Average Car Insurance Cost in New Jersey
Average Car Insurance Cost in New Jersey
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,424$202
$500$2,856$238
$250$3,310$276
30$1,000$1,272$106
$500$1,516$126
$250$1,766$147
40$1,000$1,216$101
$500$1,438$120
$250$1,670$139
50$1,000$1,110$93
$500$1,308$109
$250$1,516$126
60$1,000$1,090$91
$500$1,284$107
$250$1,488$124

As shown in the chart, the average cost of auto insurance in New Jersey for our sample risk profiles ranges from $1,090 per year for a 60-year-old driver with a policy with high deductibles to $3,310 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost ranges from $91 to $276 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 $3,616 per year for a 19-year-old female driver up to $5,154 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 11.2% cheaper than New York, 2.6% cheaper than Connecticut, 12.2% more expensive than Pennsylvania, and 7.2% cheaper than Delaware.

When compared to states in other parts of the country, the average cost of car insurance in New Jersey is 35.5% cheaper than Florida, 17.6% cheaper than California, 16.7% more expensive than Illinois, 11.6% cheaper than Colorado, and 2.3% 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 #32 out 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
New Hampshire$920-$518
Vermont$1,012-$426
Maine$1,054-$384
Massachusetts$1,246-$192
Pennsylvania$1,282-$156
Maryland$1,374-$64
New Jersey$1,438--
Connecticut$1,476$38
Delaware$1,550$112
New York$1,620$182
Rhode Island$1,796$358

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 2022 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.Data last updated on April 12, 2022
New Jersey Car Insurance Rates by Vehicle Segment
New Jersey Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,344$112
Midsize Pickup$1,382$115
Minivan$1,448$121
Midsize SUV$1,456$121
Compact Car$1,480$123
Midsize Car$1,498$125
Half-ton Pickup$1,564$130
Compact Luxury SUV$1,616$135
Large SUV$1,624$135
Compact Luxury Car$1,632$136
Large Car$1,664$139
Heavy Duty Pickup$1,718$143
Midsize Luxury SUV$1,738$145
Midsize Luxury Car$1,904$159
Sports Car$2,028$169
Large Luxury SUV$2,170$181
Large Luxury Car$2,276$190

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-5, Nissan Kicks, and Chevrolet Trailblazer are the three cheapest to insure, costing an average of $1,094, $1,122, and $1,130 per year, respectively.

The list below shows the models that rank as the cheapest to insure in their respective segments.

  • Cheapest compact car insuranceSubaru Impreza at $1,248 per year or $104 per month
  • Cheapest compact SUV insuranceMazda CX-5 at $1,094 per year or $91 per month
  • Cheapest midsize car insuranceSubaru Legacy at $1,396 per year or $116 per month
  • Cheapest midsize SUV insuranceHonda Passport at $1,156 per year or $96 per month
  • Cheapest full-size car insuranceToyota Avalon at $1,510 per year or $126 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,444 per year or $120 per month
  • Cheapest midsize pickup insuranceChevrolet Colorado at $1,186 per year or $99 per month
  • Cheapest full-size pickup insuranceFord F150 at $1,390 per year or $116 per month
  • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $1,562 per year or $130 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,342 per year or $112 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,248 per year or $104 per month
  • Cheapest compact luxury car insuranceMercedes-Benz A220 at $1,416 per year or $118 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,234 per year or $103 per month
  • Cheapest midsize luxury car insuranceAcura ILX at $1,326 per year or $111 per month
  • Cheapest midsize luxury SUV insuranceCadillac XT5 at $1,416 per year or $118 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $1,688 per year or $141 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,556 per year or $130 per month

The table below shows the top 50 cheapest vehicles to insure in New Jersey from the 2022 model year.

Top 50 Cheapest Car Insurance Rates in New Jersey
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,094$91
2Nissan Kicks$1,122$94
3Chevrolet Trailblazer$1,130$94
4Honda Passport$1,156$96
5Subaru Crosstrek$1,156$96
6Chevrolet Colorado$1,186$99
7Buick Encore$1,188$99
8Toyota C-HR$1,190$99
9Nissan Rogue Sport$1,200$100
10Hyundai Venue$1,220$102
11Buick Envision$1,224$102
12Kia Seltos$1,226$102
13Ford Maverick$1,228$102
14Acura RDX$1,234$103
15Subaru Ascent$1,234$103
16Toyota Corolla Cross$1,236$103
17Subaru Forester$1,244$104
18Hyundai Kona$1,248$104
19Mazda MX-5 Miata$1,248$104
20Subaru Impreza$1,248$104
21Volkswagen Tiguan$1,250$104
22Chevrolet Spark$1,254$105
23Honda CR-V$1,260$105
24Cadillac XT4$1,266$106
25Mazda CX-30$1,274$106
26Ford Ranger$1,278$107
27Honda HR-V$1,292$108
28Ford Edge$1,296$108
29Ford Ecosport$1,304$109
30Chevrolet Trax$1,320$110
31Subaru Outback$1,320$110
32Acura ILX$1,326$111
33GMC Terrain$1,326$111
34Mitsubishi Eclipse Cross$1,328$111
35Hyundai Tucson$1,336$111
36Toyota Tacoma$1,336$111
37Nissan Murano$1,338$112
38Honda Odyssey$1,342$112
39Chevrolet Bolt$1,344$112
40Chevrolet Equinox$1,344$112
41Toyota Venza$1,346$112
42Volkswagen Taos$1,348$112
43Fiat 500X$1,354$113
44Ford Explorer$1,354$113
45Kia Soul$1,360$113
46Toyota RAV4$1,360$113
47Kia Sorento$1,362$114
48Nissan Frontier$1,368$114
49GMC Canyon$1,378$115
50Hyundai Palisade$1,382$115

    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.Data last updated on March 24, 2022
    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 $1,642 per year and ranges from $1,364 to $3,726 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 2022 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.Data last updated on May 19, 2022
    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$3,726$311
    Safe Driver Age 20$3,264$272
    At-fault Accidents Age 40$2,324$194
    Low Deductibles Age 40$2,112$176
    Safe Driver Age 30$1,726$144
    Safe Driver Age 40$1,642$137
    Safe Driver Age 50$1,498$125
    Safe Driver Age 60$1,466$122
    High Deductibles Age 40$1,400$117
    Discount Rate Age 40$1,364$114

    Ford Ranger insurance rates

    Ford Ranger car insurance rates in New Jersey range from $1,062 to $2,866 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $1,278 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 2022 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.Data last updated on May 19, 2022
    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$2,866$239
    Safe Driver Age 20$2,514$210
    At-fault Accidents Age 40$1,800$150
    Low Deductibles Age 40$1,624$135
    Safe Driver Age 30$1,336$111
    Safe Driver Age 40$1,278$107
    Safe Driver Age 50$1,166$97
    Safe Driver Age 60$1,138$95
    High Deductibles Age 40$1,098$92
    Discount Rate Age 40$1,062$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 $1,164 to $3,138 per year for the example driver risk profiles, with average cost being $1,402 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 2022 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.Data last updated on May 19, 2022
    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$3,138$262
    Safe Driver Age 20$2,752$229
    At-fault Accidents Age 40$1,978$165
    Low Deductibles Age 40$1,772$148
    Safe Driver Age 30$1,466$122
    Safe Driver Age 40$1,402$117
    Safe Driver Age 50$1,276$106
    Safe Driver Age 60$1,250$104
    High Deductibles Age 40$1,210$101
    Discount Rate Age 40$1,164$97

    Honda Pilot insurance rates

    Average Honda Pilot insurance rates in New Jersey as shown in the chart below range from $1,212 to $3,334 per year, with the average cost being $1,460.

    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 2022 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.Data last updated on May 19, 2022
    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$3,334$278
    Safe Driver Age 20$2,920$243
    At-fault Accidents Age 40$2,060$172
    Low Deductibles Age 40$1,926$161
    Safe Driver Age 30$1,542$129
    Safe Driver Age 40$1,460$122
    Safe Driver Age 50$1,328$111
    Safe Driver Age 60$1,306$109
    High Deductibles Age 40$1,222$102
    Discount Rate Age 40$1,212$101

    Toyota Camry insurance rates

    The average cost for Toyota Camry insurance in New Jersey is $1,416 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,176 to $3,204 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 2022 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.Data last updated on May 19, 2022
    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$3,204$267
    Safe Driver Age 20$2,804$234
    At-fault Accidents Age 40$1,990$166
    Low Deductibles Age 40$1,852$154
    Safe Driver Age 30$1,492$124
    Safe Driver Age 40$1,416$118
    Safe Driver Age 50$1,286$107
    Safe Driver Age 60$1,264$105
    High Deductibles Age 40$1,192$99
    Discount Rate Age 40$1,176$98

    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.