- The average cost of car insurance in New Jersey is 23% more than the national average rate of $1,728.
- When compared to other Northeast states, New Jersey ranks 10th out of 11 states for cheapest car insurance cost.
- Average rates on popular vehicles in New Jersey include the Toyota Camry at $2,068 per year, the Ford F-150 at $2,210 per year, and the Honda CR-V at $1,846 per year.
- Teenage drivers cost the most to insure in New Jersey, with average rates ranging 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.
- 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 $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.
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.
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.
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.
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 $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.
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.
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.
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.
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.
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 - $2,564 per year or $214 per month
- Jersey City Car Insurance - $2,168 per year or $181 per month
- Paterson Car Insurance - $2,492 per year or $208 per month
- Elizabeth Car Insurance - $2,442 per year or $204 per month
- Trenton Car Insurance - $2,012 per year or $168 per month
- Clifton Car Insurance - $2,178 per year or $182 per month
- Camden Car Insurance - $2,318 per year or $193 per month