Car Insurance in Camden, NJ: Cheapest Rates and Comparisons

What does average Camden car insurance cost? We analyzed every automotive segment to find the models with the best rates in New Jersey.

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How much per month is car insurance in Camden, NJ?

In Camden, the average cost of car insurance is $2,984 per year, which is 29.3% more than the overall U.S. national average rate of $2,221. Per month, Camden drivers can expect to pay an average of $249 for full coverage auto insurance.

The average car insurance cost in New Jersey is $2,844 per year, so Camden drivers pay an average of $140 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 $302 per year more expensive than in Trenton, $138 per year more than in Clifton, and $244 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.

Average full-coverage car insurance premium in Camden, NJ for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Camden, NJ for different ages of drivers. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Camden, NJ Zip Codes.

Average Car Insurance Cost in Camden, NJ
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$5,082$424
$500$6,004$500
$250$6,984$582
30$1,000$2,668$222
$500$3,184$265
$250$3,720$310
40$1,000$2,510$209
$500$2,984$249
$250$3,478$290
50$1,000$2,234$186
$500$2,644$220
$250$3,070$256
60$1,000$2,094$175
$500$2,476$206
$250$2,876$240

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 Camden, NJ Zip Codes. Updated June 26, 2025

In the chart above, the cost of auto insurance in Camden ranges from $2,094 per year for a 60-year-old driver with a policy with high physical damage deductibles to $6,984 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 $175 to $582 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 – $10,629 per year or $886 per month
  • 17-year-old driver – $10,297 per year or $858 per month
  • 18-year-old driver – $9,229 per year or $769 per month
  • 19-year-old driver – $8,404 per year or $700 per month
  • 20-year-old driver – $6,004 per year or $500 per month
  • 30-year-old driver – $3,184 per year or $265 per month
  • 40-year-old driver – $2,984 per year or $249 per month
  • 50-year-old driver – $2,644 per year or $220 per month
  • 60-year-old driver – $2,476 per year or $206 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.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Camden includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Camden, NJ for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$10,629$9,932
17-Year-Old$10,297$9,872
18-Year-Old$9,229$8,518
19-Year-Old$8,404$7,109

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 26, 2025

Auto insurance for a 16-year-old female in Camden costs an average of $697 less per year than the cost for a male driver, while at age 19, females don’t save quite as much at $1,295 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 $2,620 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 Subaru Outback.

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 $2,786 or less per year in Camden.

The table below breaks down the 30 cheapest vehicles to insure in Camden, ordered by cost.

Cheapest Car Insurance Rates in Camden, New Jersey
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,204$184
2Chevrolet Trailblazer$2,242$187
3Kia Soul$2,330$194
4Nissan Kicks$2,348$196
5Honda Passport$2,376$198
6Buick Envision$2,392$199
7Toyota Corolla Cross$2,404$200
8Hyundai Venue$2,426$202
9Mazda CX-5$2,434$203
10Ford Bronco Sport$2,444$204
11Volkswagen Tiguan$2,470$206
12Acura RDX$2,496$208
13Nissan Murano$2,508$209
14Buick Encore$2,534$211
15Honda CR-V$2,544$212
16Subaru Outback$2,544$212
17Buick Envista$2,554$213
18Volkswagen Taos$2,558$213
19Kia Niro$2,568$214
20Toyota GR Corolla$2,594$216
21Subaru Ascent$2,596$216
22Honda HR-V$2,600$217
23Nissan Leaf$2,616$218
24Chevrolet Colorado$2,630$219
25Honda Civic$2,642$220
26Lexus NX 250$2,642$220
27Volkswagen Atlas$2,646$221
28Acura Integra$2,654$221
29Subaru Forester$2,656$221
30Volkswagen Atlas Cross Sport$2,660$222

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 June 27, 2025

Top 30 cheapest vehicles to insure in Camden, NJ with the Subaru Crosstrek ranking first at $2,204 per year
Top 30 cheapest vehicles to insure in Camden, NJ with the Subaru Crosstrek ranking first at $2,204 per year

A few other popular vehicles making the list of the top 30 table above include the Toyota GR Corolla, Subaru Ascent, Nissan Leaf, and Acura Integra. Average car insurance rates for those models cost between $2,600 and $2,660 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 $3,504 per year, the Ram Truck that averages $3,452, and the Mercedes-Benz S560 which averages $5,250.

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.

Car insurance average cost by automotive segment in Camden, NJ.
Figure 3: Car insurance average cost by automotive segment in Camden, NJ. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Camden Zip Codes.

Car Insurance Rates by Automotive Segment in Camden, NJ
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,742$229
Midsize SUV$2,946$246
Compact Car$2,950$246
Minivan$2,952$246
Midsize Pickup$3,012$251
Midsize Car$3,040$253
Compact Luxury SUV$3,234$270
Compact Luxury Car$3,282$274
Large SUV$3,294$275
Half-ton Pickup$3,308$276
Heavy Duty Pickup$3,432$286
Midsize Luxury SUV$3,544$295
Midsize Luxury Car$3,658$305
Sports Car$4,102$342
Large Car$4,290$358
Large Luxury SUV$4,618$385
Large Luxury Car$4,774$398

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 2024 model year vehicles and also for all Camden, NJ Zip Codes. Updated June 27, 2025

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 $2,876 per year to the Tesla Model 3 costing $3,504 per year. In the small SUV segment, insurance rates vary from the Subaru Crosstrek at $2,204 per year up to the Ford Mustang Mach-E at $3,492 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 $794 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 $504 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 $374 per year for a 40-year-old driver and $724 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 $468 per year versus a rating of 670-739. Conversely, a weak credit rating could cost up to $543 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.