New Jersey Car Insurance Cost for 2023

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 $2,136 per year, which is 26.8% more than the national average rate of $1,685. Car insurance rates in New Jersey average about $178 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 $1,816 per year, the Toyota Corolla at $2,004 per year, the Mazda 6 at $2,000 per year, and the Ford Edge at $1,766 per year.

Luxury models like the Lexus GX 460, the Acura ILX, and the Infiniti QX60 cost an average of $2,214, $1,844, and $2,330 per year, respectively, for full-coverage car insurance.

The cheapest pickup trucks to insure in New Jersey include the Ford Maverick at an average cost of $1,772 per year and the full-size Nissan Titan at a cost of $2,114 per year. The cheapest heavy duty truck insurance can be found on the GMC Sierra 2500 HD at an average cost of $2,188 per year and the GMC Sierra 3500 at an average cost of $2,256 per year.

Large SUVs tend to have slightly higher car insurance rates, with the Chevrolet Tahoe, Chevrolet Suburban, and Ford Expedition being the three cheapest models to insure at $2,002, $2,118, and $2,198 per year, respectively.

The chart below shows average car insurance cost in New Jersey averaged for all vehicle models available for the 2023 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 2023 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 December 30, 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$3,600$300
$500$4,252$354
$250$4,940$412
30$1,000$1,890$158
$500$2,254$188
$250$2,632$219
40$1,000$1,802$150
$500$2,136$178
$250$2,486$207
50$1,000$1,646$137
$500$1,946$162
$250$2,260$188
60$1,000$1,616$135
$500$1,910$159
$250$2,218$185

As shown in the chart, the average cost of auto insurance in New Jersey for our sample risk profiles ranges from $1,616 per year for a 60-year-old driver with a policy with high deductibles to $4,940 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost ranges from $135 to $412 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 $5,382 per year for a 19-year-old female driver up to $7,656 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 4.6% more expensive than New York, 8.6% more expensive than Connecticut, 26.1% more expensive than Pennsylvania, and 6.4% more expensive than Delaware.

When compared to states in other parts of the country, the average cost of car insurance in New Jersey is 2.7% cheaper than Florida, 0.1% more expensive than California, 38.2% more expensive than Illinois, 12.9% more expensive than Colorado, and 18.5% 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.

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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$1,062-$1,074
New Hampshire$1,182-$954
Vermont$1,280-$856
Maryland$1,638-$498
Pennsylvania$1,694-$442
Massachusetts$1,922-$214
Connecticut$1,966-$170
Delaware$2,008-$128
New York$2,042-$94
New Jersey$2,136--
Rhode Island$2,186$50

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 $1,944 per year for compact SUVs like the Toyota RAV4 and Ford Escape up to more expensive rates on sports cars and luxury models.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average New Jersey car insurance cost by segment is based on 2023 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 December 30, 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$1,944$162
Midsize Pickup$2,020$168
Midsize SUV$2,086$174
Minivan$2,094$175
Compact Car$2,128$177
Midsize Car$2,178$182
Compact Luxury SUV$2,308$192
Half-ton Pickup$2,320$193
Large SUV$2,338$195
Compact Luxury Car$2,350$196
Heavy Duty Pickup$2,456$205
Midsize Luxury SUV$2,480$207
Large Car$2,484$207
Midsize Luxury Car$2,714$226
Sports Car$2,922$244
Large Luxury SUV$3,140$262
Large Luxury Car$3,298$275

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 Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks are the three cheapest to insure, costing an average of $1,616, $1,632, and $1,640 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 $1,770 per year or $148 per month
  • Cheapest compact SUV insuranceChevrolet Trailblazer at $1,616 per year or $135 per month
  • Cheapest midsize car insuranceSubaru Legacy at $1,968 per year or $164 per month
  • Cheapest midsize SUV insuranceHonda Passport at $1,658 per year or $138 per month
  • Cheapest full-size car insuranceChrysler 300 at $2,084 per year or $174 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $2,002 per year or $167 per month
  • Cheapest midsize pickup insuranceFord Maverick at $1,772 per year or $148 per month
  • Cheapest full-size pickup insuranceNissan Titan at $2,114 per year or $176 per month
  • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $2,188 per year or $182 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,952 per year or $163 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,974 per year or $165 per month
  • Cheapest compact luxury car insuranceAcura Integra at $1,918 per year or $160 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,784 per year or $149 per month
  • Cheapest midsize luxury car insuranceCadillac CT5 at $2,298 per year or $192 per month
  • Cheapest midsize luxury SUV insuranceLexus RX 350 at $1,912 per year or $159 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $2,396 per year or $200 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $2,202 per year or $184 per month

The table below shows the top 50 cheapest vehicles to insure in New Jersey from the 2023 model year.

Top 50 Cheapest Car Insurance Rates in New Jersey
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,616$135
2Subaru Crosstrek$1,632$136
3Nissan Kicks$1,640$137
4Honda Passport$1,658$138
5Nissan Rogue Sport$1,666$139
6Mazda CX-5$1,678$140
7Buick Encore$1,702$142
8Buick Envision$1,708$142
9Kia Seltos$1,732$144
10Subaru Ascent$1,736$145
11Hyundai Venue$1,742$145
12Subaru Impreza$1,770$148
13Ford Maverick$1,772$148
14Chevrolet Colorado$1,776$148
15Honda HR-V$1,776$148
16Acura RDX$1,784$149
17Hyundai Kona$1,792$149
18Subaru Forester$1,802$150
19Honda CR-V$1,810$151
20Ford Edge$1,812$151
21Mazda CX-30$1,816$151
22Ford Explorer$1,820$152
23Volkswagen Atlas$1,824$152
24Chevrolet Trax$1,834$153
25Nissan Murano$1,836$153
26Subaru Outback$1,840$153
27Nissan Frontier$1,844$154
28Volkswagen Tiguan$1,856$155
29Ford Bronco Sport$1,860$155
30Fiat 500X$1,896$158
31Ford Ranger$1,896$158
32GMC Terrain$1,898$158
33Kia Soul$1,902$159
34Mitsubishi Eclipse Cross$1,904$159
35Volkswagen Atlas Cross Sport$1,908$159
36Lexus RX 350$1,912$159
37Acura Integra$1,918$160
38Chevrolet Equinox$1,922$160
39Cadillac XT4$1,926$161
40Toyota Corolla Cross$1,928$161
41Volkswagen Taos$1,936$161
42GMC Canyon$1,940$162
43Toyota Venza$1,946$162
44Mazda CX-50$1,950$163
45Honda Odyssey$1,952$163
46Volkswagen Jetta$1,952$163
47Hyundai Tucson$1,954$163
48Toyota Tacoma$1,954$163
49Ford Escape$1,960$163
50Kia Sorento$1,960$163

    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 December 30, 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 $2,336 per year and ranges from $1,938 to $5,292 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 2023 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 December 29, 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$5,292$441
    Safe Driver Age 20$4,636$386
    At-fault Accidents Age 40$3,296$275
    Low Deductibles Age 40$3,022$252
    Safe Driver Age 30$2,456$205
    Safe Driver Age 40$2,336$195
    Safe Driver Age 50$2,128$177
    Safe Driver Age 60$2,088$174
    High Deductibles Age 40$1,982$165
    Discount Rate Age 40$1,938$162

    Ford Ranger insurance rates

    Ford Ranger car insurance rates in New Jersey range from $1,574 to $4,284 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $1,896 per year or $158 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 2023 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 December 30, 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$4,284$357
    Safe Driver Age 20$3,756$313
    At-fault Accidents Age 40$2,678$223
    Low Deductibles Age 40$2,426$202
    Safe Driver Age 30$1,988$166
    Safe Driver Age 40$1,896$158
    Safe Driver Age 50$1,728$144
    Safe Driver Age 60$1,694$141
    High Deductibles Age 40$1,622$135
    Discount Rate Age 40$1,574$131

    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 $1,648 to $4,428 per year for the example driver risk profiles, with average cost being $1,984 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 2023 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 December 30, 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$4,428$369
    Safe Driver Age 20$3,884$324
    At-fault Accidents Age 40$2,792$233
    Low Deductibles Age 40$2,500$208
    Safe Driver Age 30$2,070$173
    Safe Driver Age 40$1,984$165
    Safe Driver Age 50$1,804$150
    Safe Driver Age 60$1,766$147
    High Deductibles Age 40$1,712$143
    Discount Rate Age 40$1,648$137

    Honda Pilot insurance rates

    Average Honda Pilot insurance rates in New Jersey as shown in the chart below range from $1,708 to $4,702 per year, with the average cost being $2,056.

    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 2023 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 December 30, 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$4,702$392
    Safe Driver Age 20$4,114$343
    At-fault Accidents Age 40$2,904$242
    Low Deductibles Age 40$2,708$226
    Safe Driver Age 30$2,172$181
    Safe Driver Age 40$2,056$171
    Safe Driver Age 50$1,874$156
    Safe Driver Age 60$1,840$153
    High Deductibles Age 40$1,722$144
    Discount Rate Age 40$1,708$142

    Toyota Camry insurance rates

    The average cost for Toyota Camry insurance in New Jersey is $2,030 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,688 to $4,604 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 2023 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 December 29, 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$4,604$384
    Safe Driver Age 20$4,032$336
    At-fault Accidents Age 40$2,862$239
    Low Deductibles Age 40$2,654$221
    Safe Driver Age 30$2,144$179
    Safe Driver Age 40$2,030$169
    Safe Driver Age 50$1,848$154
    Safe Driver Age 60$1,816$151
    High Deductibles Age 40$1,706$142
    Discount Rate Age 40$1,688$141

    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.