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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New Jersey car insurance rates illustration

How much does car insurance cost in New Jersey?

The average cost of car insurance in New Jersey is $2,178 per year, which is 23% more than the national average rate of $1,728. Car insurance rates in New Jersey average about $182 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 $1,850 per year, the Toyota Corolla at $2,042 per year, the Mazda 6 at $2,032 per year, and the Ford Edge at $1,798 per year.

Luxury models like the Lexus GX 460, the Acura ILX, and the Infiniti QX60 cost an average of $2,256, $1,878, and $2,372 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 $1,804 per year and the full-size Nissan Titan at a cost of $2,152 per year. The cheapest heavy duty truck insurance can be found on the GMC Sierra 2500 HD at an average cost of $2,228 per year and the GMC Sierra 3500 at an average cost of $2,298 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 $2,040, $2,156, and $2,236 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 August 12, 2023
Average Car Insurance Cost in New Jersey
Average Car Insurance Cost in New Jersey
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,664$305
$500$4,328$361
$250$5,028$419
30$1,000$1,922$160
$500$2,292$191
$250$2,680$223
40$1,000$1,838$153
$500$2,178$182
$250$2,532$211
50$1,000$1,676$140
$500$1,982$165
$250$2,300$192
60$1,000$1,646$137
$500$1,946$162
$250$2,258$188

As shown in the chart, the average cost of auto insurance in New Jersey for our sample risk profiles ranges from $1,646 per year for a 60-year-old driver with a policy with high deductibles to $5,028 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost ranges from $137 to $419 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 $5,480 per year for a 19-year-old female driver up to $7,792 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 4.4% more expensive than New York, 8.3% more expensive than Connecticut, 22.8% more expensive than Pennsylvania, and 6.3% more expensive than Delaware.

When compared to states in other parts of the country, the average cost of car insurance in New Jersey is 2.2% cheaper than Florida, 0.3% more expensive than California, 31.5% more expensive than Illinois, 12.1% more expensive than Colorado, and 16.8% 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$1,100-$1,078
New Hampshire$1,218-$960
Vermont$1,322-$856
Maryland$1,676-$502
Pennsylvania$1,732-$446
Massachusetts$1,960-$218
Connecticut$2,004-$174
Delaware$2,044-$134
New York$2,084-$94
New Jersey$2,178--
Rhode Island$2,224$46

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 $1,978 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 August 12, 2023
New Jersey Car Insurance Rates by Vehicle Segment
New Jersey Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,978$165
Midsize Pickup$2,052$171
Midsize SUV$2,122$177
Minivan$2,132$178
Compact Car$2,168$181
Midsize Car$2,220$185
Compact Luxury SUV$2,354$196
Half-ton Pickup$2,360$197
Large SUV$2,380$198
Compact Luxury Car$2,394$200
Heavy Duty Pickup$2,500$208
Large Car$2,530$211
Midsize Luxury SUV$2,530$211
Midsize Luxury Car$2,764$230
Sports Car$2,974$248
Large Luxury SUV$3,196$266
Large Luxury Car$3,360$280

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 $1,648, $1,662, and $1,668 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 $1,800 per year or $150 per month
  • Cheapest compact SUV insurance – Chevrolet Trailblazer at $1,648 per year or $137 per month
  • Cheapest midsize car insurance – Subaru Legacy at $2,004 per year or $167 per month
  • Cheapest midsize SUV insurance – Honda Passport at $1,692 per year or $141 per month
  • Cheapest full-size car insurance – Chrysler 300 at $2,122 per year or $177 per month
  • Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,040 per year or $170 per month
  • Cheapest midsize pickup insurance – Ford Maverick at $1,804 per year or $150 per month
  • Cheapest full-size pickup insurance – Nissan Titan at $2,152 per year or $179 per month
  • Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,228 per year or $186 per month
  • Cheapest minivan insurance – Honda Odyssey at $1,988 per year or $166 per month
  • Cheapest sports car insurance – Mazda MX-5 Miata at $2,012 per year or $168 per month
  • Cheapest compact luxury car insurance – Acura Integra at $1,956 per year or $163 per month
  • Cheapest compact luxury SUV insurance – Acura RDX at $1,816 per year or $151 per month
  • Cheapest midsize luxury car insurance – Cadillac CT5 at $2,340 per year or $195 per month
  • Cheapest midsize luxury SUV insurance – Lexus RX 350 at $1,948 per year or $162 per month
  • Cheapest full-size luxury car insurance – Audi A5 at $2,442 per year or $204 per month
  • Cheapest full-size luxury SUV insurance – Volvo XC90 at $2,244 per year or $187 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$1,648$137
2Subaru Crosstrek$1,662$139
3Nissan Kicks$1,668$139
4Honda Passport$1,692$141
5Nissan Rogue Sport$1,698$142
6Mazda CX-5$1,708$142
7Buick Encore$1,736$145
8Buick Envision$1,742$145
9Kia Seltos$1,764$147
10Subaru Ascent$1,768$147
11Hyundai Venue$1,774$148
12Subaru Impreza$1,800$150
13Ford Maverick$1,804$150
14Honda HR-V$1,808$151
15Chevrolet Colorado$1,810$151
16Acura RDX$1,816$151
17Hyundai Kona$1,826$152
18Subaru Forester$1,836$153
19Ford Edge$1,846$154
20Honda CR-V$1,846$154
21Mazda CX-30$1,850$154
22Ford Explorer$1,854$155
23Volkswagen Atlas$1,858$155
24Chevrolet Trax$1,868$156
25Nissan Murano$1,870$156
26Subaru Outback$1,874$156
27Nissan Frontier$1,878$157
28Volkswagen Tiguan$1,890$158
29Ford Bronco Sport$1,896$158
30Fiat 500X$1,926$161
31Ford Ranger$1,930$161
32GMC Terrain$1,934$161
33Kia Soul$1,934$161
34Mitsubishi Eclipse Cross$1,942$162
35Volkswagen Atlas Cross Sport$1,944$162
36Lexus RX 350$1,948$162
37Acura Integra$1,956$163
38Chevrolet Equinox$1,956$163
39Cadillac XT4$1,964$164
40Toyota Corolla Cross$1,964$164
41Volkswagen Taos$1,970$164
42GMC Canyon$1,974$165
43Toyota Venza$1,982$165
44Mazda CX-50$1,986$166
45Volkswagen Jetta$1,986$166
46Honda Odyssey$1,988$166
47Toyota Tacoma$1,988$166
48Hyundai Tucson$1,990$166
49Ford Escape$1,994$166
50Kia Sorento$1,998$167

    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 August 12, 2023
    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 $2,378 per year and ranges from $1,972 to $5,388 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 August 12, 2023
    Ram Truck Insurance Cost in New Jersey
    2023 Ram Truck Insurance Cost in New Jersey
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,388$449
    Safe Driver Age 20$4,720$393
    At-fault Accidents Age 40$3,356$280
    Low Deductibles Age 40$3,074$256
    Safe Driver Age 30$2,498$208
    Safe Driver Age 40$2,378$198
    Safe Driver Age 50$2,164$180
    Safe Driver Age 60$2,124$177
    High Deductibles Age 40$2,018$168
    Discount Rate Age 40$1,972$164

    Ford Ranger insurance rates

    Ford Ranger car insurance rates in New Jersey range from $1,602 to $4,362 per year for the driver profiles in the chart below. Ford Ranger insurance costs an average of $1,930 per year or $161 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 August 11, 2023
    Ford Ranger Insurance Cost in New Jersey
    2023 Ford Ranger Insurance Cost in New Jersey
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,362$364
    Safe Driver Age 20$3,824$319
    At-fault Accidents Age 40$2,728$227
    Low Deductibles Age 40$2,470$206
    Safe Driver Age 30$2,022$169
    Safe Driver Age 40$1,930$161
    Safe Driver Age 50$1,758$147
    Safe Driver Age 60$1,726$144
    High Deductibles Age 40$1,650$138
    Discount Rate Age 40$1,602$134

    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 $1,674 to $4,506 per year for the example driver risk profiles, with average cost being $2,018 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 August 12, 2023
    Nissan Sentra Insurance Cost in New Jersey
    2023 Nissan Sentra Insurance Cost in New Jersey
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,506$376
    Safe Driver Age 20$3,954$330
    At-fault Accidents Age 40$2,844$237
    Low Deductibles Age 40$2,544$212
    Safe Driver Age 30$2,108$176
    Safe Driver Age 40$2,018$168
    Safe Driver Age 50$1,838$153
    Safe Driver Age 60$1,800$150
    High Deductibles Age 40$1,740$145
    Discount Rate Age 40$1,674$140

    Honda Pilot insurance rates

    Average Honda Pilot insurance rates in New Jersey as shown in the chart below range from $1,740 to $4,784 per year, with the average cost being $2,094.

    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 August 12, 2023
    Honda Pilot Insurance Cost in New Jersey
    2023 Honda Pilot Insurance Cost in New Jersey
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,784$399
    Safe Driver Age 20$4,186$349
    At-fault Accidents Age 40$2,954$246
    Low Deductibles Age 40$2,758$230
    Safe Driver Age 30$2,212$184
    Safe Driver Age 40$2,094$175
    Safe Driver Age 50$1,908$159
    Safe Driver Age 60$1,874$156
    High Deductibles Age 40$1,754$146
    Discount Rate Age 40$1,740$145

    Toyota Camry insurance rates

    The average cost for Toyota Camry insurance in New Jersey is $2,068 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,720 to $4,688 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 August 12, 2023
    Toyota Camry Insurance Cost in New Jersey
    2023 Toyota Camry Insurance Cost in New Jersey
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,688$391
    Safe Driver Age 20$4,104$342
    At-fault Accidents Age 40$2,912$243
    Low Deductibles Age 40$2,704$225
    Safe Driver Age 30$2,182$182
    Safe Driver Age 40$2,068$172
    Safe Driver Age 50$1,884$157
    Safe Driver Age 60$1,850$154
    High Deductibles Age 40$1,742$145
    Discount Rate Age 40$1,720$143

    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.