- The average cost of car insurance in New Jersey is 8.2% less than the national average rate of $1,567.
- 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 $1,416 per year, the Ford F-150 at $1,390 per year, and the Honda CR-V at $1,260 per year.
- Teenage drivers cost the most to insure in New Jersey, with average rates ranging from $3,614 per year for a 19-year-old female driver up to $5,150 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 $1,438 per year, which is 8.2% less than the national average rate of $1,567. 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.
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 $3,614 per year for a 19-year-old female driver up to $5,150 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, 17.5% 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.
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-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 insurance – Subaru Impreza at $1,248 per year or $104 per month
- Cheapest compact SUV insurance – Mazda CX-5 at $1,094 per year or $91 per month
- Cheapest midsize car insurance – Subaru Legacy at $1,396 per year or $116 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,156 per year or $96 per month
- Cheapest full-size car insurance – Toyota Avalon at $1,510 per year or $126 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,444 per year or $120 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $1,186 per year or $99 per month
- Cheapest full-size pickup insurance – Ford F150 at $1,390 per year or $116 per month
- Cheapest heavy duty pickup insurance – Ford F350 Super Duty at $1,562 per year or $130 per month
- Cheapest minivan insurance – Honda Odyssey at $1,342 per year or $112 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $1,246 per year or $104 per month
- Cheapest compact luxury car insurance – Mercedes-Benz A220 at $1,416 per year or $118 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,234 per year or $103 per month
- Cheapest midsize luxury car insurance – Acura ILX at $1,326 per year or $111 per month
- Cheapest midsize luxury SUV insurance – Cadillac XT5 at $1,416 per year or $118 per month
- Cheapest full-size luxury car insurance – Audi A5 at $1,688 per year or $141 per month
- Cheapest full-size luxury SUV insurance – Volvo 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.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,094 | $91 |
| 2 | Nissan Kicks | $1,122 | $94 |
| 3 | Chevrolet Trailblazer | $1,130 | $94 |
| 4 | Honda Passport | $1,156 | $96 |
| 5 | Subaru Crosstrek | $1,156 | $96 |
| 6 | Toyota C-HR | $1,184 | $99 |
| 7 | Chevrolet Colorado | $1,186 | $99 |
| 8 | Buick Encore | $1,188 | $99 |
| 9 | Nissan Rogue Sport | $1,200 | $100 |
| 10 | Hyundai Venue | $1,220 | $102 |
| 11 | Buick Envision | $1,224 | $102 |
| 12 | Kia Seltos | $1,226 | $102 |
| 13 | Ford Maverick | $1,228 | $102 |
| 14 | Acura RDX | $1,234 | $103 |
| 15 | Subaru Ascent | $1,234 | $103 |
| 16 | Toyota Corolla Cross | $1,236 | $103 |
| 17 | Hyundai Kona | $1,244 | $104 |
| 18 | Subaru Forester | $1,244 | $104 |
| 19 | Mazda MX-5 Miata | $1,246 | $104 |
| 20 | Subaru Impreza | $1,248 | $104 |
| 21 | Volkswagen Tiguan | $1,250 | $104 |
| 22 | Chevrolet Spark | $1,254 | $105 |
| 23 | Honda CR-V | $1,260 | $105 |
| 24 | Cadillac XT4 | $1,264 | $105 |
| 25 | Mazda CX-30 | $1,274 | $106 |
| 26 | Ford Ranger | $1,278 | $107 |
| 27 | Honda HR-V | $1,292 | $108 |
| 28 | Ford Edge | $1,296 | $108 |
| 29 | Ford Ecosport | $1,304 | $109 |
| 30 | Chevrolet Trax | $1,318 | $110 |
| 31 | Subaru Outback | $1,320 | $110 |
| 32 | Acura ILX | $1,326 | $111 |
| 33 | GMC Terrain | $1,326 | $111 |
| 34 | Mitsubishi Eclipse Cross | $1,328 | $111 |
| 35 | Toyota Tacoma | $1,334 | $111 |
| 36 | Hyundai Tucson | $1,336 | $111 |
| 37 | Nissan Murano | $1,338 | $112 |
| 38 | Chevrolet Bolt | $1,340 | $112 |
| 39 | Honda Odyssey | $1,342 | $112 |
| 40 | Chevrolet Equinox | $1,344 | $112 |
| 41 | Toyota Venza | $1,346 | $112 |
| 42 | Volkswagen Taos | $1,348 | $112 |
| 43 | Fiat 500X | $1,354 | $113 |
| 44 | Ford Explorer | $1,354 | $113 |
| 45 | Kia Soul | $1,360 | $113 |
| 46 | Toyota RAV4 | $1,360 | $113 |
| 47 | Kia Sorento | $1,362 | $114 |
| 48 | Nissan Frontier | $1,368 | $114 |
| 49 | Hyundai Palisade | $1,382 | $115 |
| 50 | Hyundai Santa Cruz | $1,382 | $115 |
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 $1,642 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.
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.
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.
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.
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 $3,202 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 - $2,316 per year or $193 per month
- Jersey City Car Insurance - $1,934 per year or $161 per month
- Paterson Car Insurance - $2,246 per year or $187 per month
- Elizabeth Car Insurance - $2,196 per year or $183 per month
- Trenton Car Insurance - $1,782 per year or $149 per month
- Clifton Car Insurance - $1,946 per year or $162 per month
