- Average car insurance cost in Camden is $3,030 per year, or around $253 per month.
- For the cheapest auto insurance in Camden, New Jersey, compact SUVs like the Nissan Kicks, Toyota Corolla Cross, and Buick Envision rank near the top.
- Vehicles with segment-leading auto insurance rates in Camden include the Infiniti QX80, Acura Integra, Chevrolet Colorado, and Mercedes-Benz CLA250.
- Car insurance quotes in Camden can range from as little as $33 per month for liability-only insurance to well over $718 per month for drivers requiring high-risk coverage.
How much per month is car insurance in Camden, NJ?
In Camden, the average cost of car insurance is $3,030 per year, which is 28.4% more than the overall U.S. national average rate of $2,276. Per month, Camden drivers can expect to pay an average of $253 for full coverage auto insurance.
The average car insurance cost in New Jersey is $2,886 per year, so Camden drivers pay an average of $144 more per year than the New Jersey state-wide rate.
When prices are compared to other locations in New Jersey, the cost of auto insurance in Camden is $306 per year more expensive than in Trenton, $142 per year more than in Clifton, and $240 per year cheaper than in Newark.
The chart below shows average Camden car insurance rates for 2024 model year vehicles by driver age and policy deductibles.
In the chart above, the cost of auto insurance in Camden ranges from $2,126 per year for a 60-year-old driver with a policy with high physical damage deductibles to $7,086 per year for a 20-year-old driver with a low deductible. When those numbers are converted to a monthly rate, the average cost in the prior chart ranges from $177 to $591 per month.
Auto insurance rates can have significant differences in cost and can also be very different depending on the company. The potential for large differences in cost reinforces the need for accurate free car insurance quotes when looking for the cheapest auto insurance.
The age of the rated driver has a big impact on the price you pay for car insurance, so the list below illustrates these differences by showing the difference in average car insurance rates for different driver ages.
Car insurance cost in Camden, New Jersey, for drivers age 16 to 60
- 16-year-old driver – $10,785 per year or $899 per month
- 17-year-old driver – $10,450 per year or $871 per month
- 18-year-old driver – $9,364 per year or $780 per month
- 19-year-old driver – $8,529 per year or $711 per month
- 20-year-old driver – $6,094 per year or $508 per month
- 30-year-old driver – $3,230 per year or $269 per month
- 40-year-old driver – $3,030 per year or $253 per month
- 50-year-old driver – $2,684 per year or $224 per month
- 60-year-old driver – $2,514 per year or $210 per month
The rates in the list above for insuring teen drivers age 16 to 19 assumed the gender of the driver was male. The next chart shows average teen driver rates in Camden by gender. Teenage female drivers cost a lot to insure, but they are usually cheaper than male drivers of the same age.
Auto insurance for a 16-year-old female in Camden costs an average of $710 less per year than the cost for a male driver, while at age 19, females don’t save quite as much at $1,316 per year.
Which vehicles have cheap insurance in Camden?
When rates are compared for all vehicles, the models with the best auto insurance prices in Camden, NJ, tend to be small SUVs like the Kia Soul, Chevrolet Trailblazer, Buick Envision, and Hyundai Venue.
Average insurance rates for cars and SUVs that rank in the top 10 cost $2,661 or less per year to insure for full coverage in Camden.
Some additional vehicles that rank towards the top in our auto insurance price comparison are the Volkswagen Tiguan, Nissan Murano, Buick Encore, and Honda CR-V.
Average auto insurance rates are slightly more for those models than the crossovers and compact SUVs at the top of the list, but they still have an average insurance cost of $2,826 or less per year in Camden.
The table below breaks down the 30 cheapest vehicles to insure in Camden, ordered by cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $2,238 | $187 |
| 2 | Chevrolet Trailblazer | $2,278 | $190 |
| 3 | Kia Soul | $2,366 | $197 |
| 4 | Nissan Kicks | $2,388 | $199 |
| 5 | Honda Passport | $2,414 | $201 |
| 6 | Buick Envision | $2,426 | $202 |
| 7 | Toyota Corolla Cross | $2,442 | $204 |
| 8 | Hyundai Venue | $2,460 | $205 |
| 9 | Mazda CX-5 | $2,472 | $206 |
| 10 | Ford Bronco Sport | $2,482 | $207 |
| 11 | Volkswagen Tiguan | $2,508 | $209 |
| 12 | Acura RDX | $2,534 | $211 |
| 13 | Nissan Murano | $2,546 | $212 |
| 14 | Buick Encore | $2,572 | $214 |
| 15 | Subaru Outback | $2,580 | $215 |
| 16 | Honda CR-V | $2,582 | $215 |
| 17 | Buick Envista | $2,588 | $216 |
| 18 | Volkswagen Taos | $2,594 | $216 |
| 19 | Kia Niro | $2,608 | $217 |
| 20 | Toyota GR Corolla | $2,632 | $219 |
| 21 | Honda HR-V | $2,634 | $220 |
| 22 | Subaru Ascent | $2,636 | $220 |
| 23 | Nissan Leaf | $2,652 | $221 |
| 24 | Chevrolet Colorado | $2,666 | $222 |
| 25 | Honda Civic | $2,682 | $224 |
| 26 | Lexus NX 250 | $2,682 | $224 |
| 27 | Volkswagen Atlas | $2,688 | $224 |
| 28 | Acura Integra | $2,694 | $225 |
| 29 | Subaru Forester | $2,696 | $225 |
| 30 | Volkswagen Atlas Cross Sport | $2,700 | $225 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Camden, NJ Zip Codes. Updated October 24, 2025
A few other popular vehicles making the list of the top 30 table above include the Honda HR-V, Subaru Ascent, Nissan Leaf, and Acura Integra. Average car insurance rates for those models cost between $2,632 and $2,700 per year in Camden.
To see how cheap these rates are, a few examples of much higher insurance rates include the Tesla Model 3 that averages $3,558 per year, the Ram Truck that averages $3,504, and the Mercedes-Benz S560 which averages $5,322.
For very expensive coverage, car models like the Aston Martin DBX and BMW M760i have rates that cost double or triple those of the cheapest models.
The next section of this article goes into the different automotive segments and the average cost of auto insurance in Camden. The rates shown should give a decent idea of the vehicle segments that have the best average car insurance rates.
Insurance rates by automotive segment
If you’re shopping around for a different vehicle, it’s useful to have a basic understanding of which styles of vehicles have more favorable insurance rates.
For instance, many people wonder if compact cars cost less to insure than midsize cars or which size car is more affordable to insure.
The next chart shows average auto insurance rates by segment in Camden. From a segment comparison perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks have the cheapest average car insurance rates, while exotic performance cars have the most expensive overall auto insurance rates.
Average insurance rates by segment are accurate enough for getting an initial comparison, but rates vary significantly within each of the segments displayed in the above chart.
For example, in the midsize car segment, car insurance rates range from the Kia K5 costing $2,916 per year to the Tesla Model 3 costing $3,558 per year. In the small SUV segment, insurance rates vary from the Subaru Crosstrek at $2,238 per year up to the Ford Mustang Mach-E at $3,540 per year.
How to find cheaper Camden car insurance
Resourceful drivers in Camden are always searching for ways to pay less for insurance, so take a minute or two to look through the tips in the list below and maybe you’ll find a way to save a little dough on your next auto insurance policy.
- Tickets and violations can cost a lot. In order to get the cheapest auto insurance in Camden, it makes good sense to be a safe driver. A couple of minor incidents on your driving report could possibly increase insurance policy rates as much as $806 per year.
- Save money by qualifying for policy discounts. Discounts may be available if the insured drivers take a defensive driving course, are senior citizens, insure their home and car with the same company, are homeowners, are good students, or many other policy discounts which could save the average Camden driver as much as $512 per year on the cost of auto insurance
- Increase physical damage deductibles to save money. Jacking up your deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
- Avoid filing small claims. Auto insurance companies give a discounted rate if you have not filed any claims. Car insurance should be used for significant claims, not for small claims.
- Raise your credit for better rates. Having a high credit score of 800+ could save $476 per year versus a rating of 670-739. Conversely, a weak credit rating could cost up to $551 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Compare insurance cost before you buy the car. Different vehicles, and even different trims of the same vehicle, can have significantly different car insurance premiums, and auto insurance companies charge a wide range of prices. Check the cost of insurance before you buy a new car in order to prevent insurance sticker shock when buying insurance.