- Trenton car insurance cost averages $2,682 per year, or around $224 per month for a full coverage policy.
- Monthly auto insurance rates for a few popular models in Trenton include the GMC Sierra at $247, Honda Accord at $216, and Hyundai Elantra at $243.
- Vehicles like the Mazda CX-5, Ford Bronco Sport, Toyota Corolla Cross, and Nissan Kicks are the top choices for cheap car insurance in Trenton.
- A few models with the most affordable car insurance in Trenton for their segment include the Acura RDX, Kia K5, Chevrolet Tahoe, and Toyota GR Corolla.
How much does Trenton car insurance cost?
Average auto insurance cost in Trenton is $2,682 per year, which is 18.8% more than the overall national average rate of $2,221. Car insurance in Trenton per month costs about $224 per month for a full-coverage car insurance policy.
Average auto insurance cost in New Jersey is $2,844 per year, so Trenton, New Jersey, drivers pay an average of $162 less per year than the overall New Jersey state-wide average rate. When rates are compared to other cities in New Jersey, the cost of car insurance in Trenton is approximately $546 per year cheaper than in Newark, $424 per year less than in Elizabeth, and $152 per year cheaper than in Jersey City.
The next chart shows average Trenton auto insurance cost for all 2024 models. Rates are averaged for all Trenton Zip Codes and shown for both different driver ages and policy deductible amounts.
In the chart above, the cost of auto insurance in Trenton ranges from $1,880 per year for a 60-year-old driver with a high deductible policy to $6,274 per year for a 20-year-old driver with a low deductible. From a monthly budget standpoint, the average cost in the prior chart ranges from $157 to $523 per month.
Auto insurance rates are not the same for everyone and are impacted by many factors. Since there can be such a large difference in rates, it stresses the need for accurate free car insurance quotes when shopping around for the cheapest auto insurance policy.
Driver age is one of the biggest factors in determining the cost of car insurance. The list below details how driver age influences cost by showing the difference in average car insurance rates for drivers from 16 to 60.
Average cost of car insurance in Trenton by driver age
- 16-year-old driver – $9,548 per year or $796 per month
- 17-year-old driver – $9,252 per year or $771 per month
- 18-year-old driver – $8,291 per year or $691 per month
- 19-year-old driver – $7,549 per year or $629 per month
- 20-year-old driver – $5,394 per year or $450 per month
- 30-year-old driver – $2,862 per year or $239 per month
- 40-year-old driver – $2,682 per year or $224 per month
- 50-year-old driver – $2,376 per year or $198 per month
- 60-year-old driver – $2,224 per year or $185 per month
The rates shown above for average cost of car insurance for teen drivers used a male as the rated driver. The next chart gets more specific and illustrates average teen driver car insurance rates by gender. Young female drivers tend to have cheaper car insurance rates than their male counterparts.
Auto insurance for a 16-year-old female driver in Trenton costs an average of $629 less than a male driver per year, while at age 19, the cost difference is smaller but males still pay $1,167 more per year.
Popular vehicles and the cost of car insurance
The rates mentioned previously are an average for all 2024 vehicle models, which is practical for making overall comparisons such as the difference in average car insurance cost for two different locations in New Jersey.
Average car insurance rates are good when trying to find the answer to questions like “is auto insurance cheaper in Trenton or Paterson?” or “is auto insurance cheaper in New Jersey or Texas?”.
But for more in-depth car insurance comparisons, it makes better sense to instead use rates for the specific model of vehicle being insured. Each make and model has it’s own profile for rating purposes and this data provides for insurance cost comparisons.
The next chart details the cost of auto insurance for a handful of the more popular vehicles cruising around Trenton. Later in this article, we analyze car insurance rates for some of these vehicles even more in-depth.
The models that are popular in Trenton tend to be small or midsize sedans like the Nissan Sentra and Honda Accord and compact and midsize SUVs like the Chevy Equinox and Ford Explorer.
Additional popular models from different automotive segments include luxury models like the Tesla Model S and Acura MDX, pickup trucks like the Ford Ranger and Chevy Silverado, and sports cars like the Audi TT and Chevy Corvette.
We get into rates for lots more vehicles later on in this article, but before we dive into that data, let’s quickly revisit the main concepts that we covered in this first section.
- Trenton auto insurance prices are cheaper than the New Jersey state average – $2,682 (Trenton average) compared to $2,844 (New Jersey average)
- Insurance for teens costs a lot – Cost ranges from $6,382 to $9,548 per year for insurance on a teen driver in Trenton.
- Auto insurance with low deductibles costs more – A 40-year-old driver pays an average of $870 more per year for a policy with $250 deductibles versus $1,000 deductibles.
- Trenton, NJ, average car insurance cost is more than the U.S. average – $2,682 (Trenton average) compared to $2,221 (U.S. average)
- Auto insurance gets cheaper as you age – Average car insurance rates for a 40-year-old driver in Trenton are $2,712 per year cheaper than for a 20-year-old driver.
- Auto insurance rates decrease significantly from age 20 to 30 – The average 30-year-old Trenton, NJ, driver will pay $2,532 less per year than a 20-year-old driver, $2,862 versus $5,394.
What are the cheapest autos to insure in Trenton, NJ?
The vehicles with the best insurance prices in Trenton, NJ, tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks.
Average car insurance quotes for those small SUVs cost $2,176 or less per year for full coverage.
Some additional models that rank in the top 20 in our overall cost comparison are the Nissan Murano, Volkswagen Tiguan, Volkswagen Taos, and Buick Encore. The average rates are slightly more for those models than the cheapest compact SUVs at the top of the list, but they still have an average insurance cost of $2,334 or less per year, or $195 per month in Trenton.
The following table lists the top 50 cheapest vehicles to insure in Trenton, sorted by annual and monthly insurance cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,980 | $165 |
| 2 | Chevrolet Trailblazer | $2,014 | $168 |
| 3 | Kia Soul | $2,092 | $174 |
| 4 | Nissan Kicks | $2,110 | $176 |
| 5 | Honda Passport | $2,136 | $178 |
| 6 | Buick Envision | $2,148 | $179 |
| 7 | Toyota Corolla Cross | $2,160 | $180 |
| 8 | Hyundai Venue | $2,176 | $181 |
| 9 | Mazda CX-5 | $2,186 | $182 |
| 10 | Ford Bronco Sport | $2,196 | $183 |
| 11 | Volkswagen Tiguan | $2,218 | $185 |
| 12 | Acura RDX | $2,240 | $187 |
| 13 | Nissan Murano | $2,252 | $188 |
| 14 | Buick Encore | $2,276 | $190 |
| 15 | Subaru Outback | $2,282 | $190 |
| 16 | Honda CR-V | $2,284 | $190 |
| 17 | Buick Envista | $2,292 | $191 |
| 18 | Volkswagen Taos | $2,296 | $191 |
| 19 | Kia Niro | $2,308 | $192 |
| 20 | Toyota GR Corolla | $2,328 | $194 |
| 21 | Honda HR-V | $2,334 | $195 |
| 22 | Subaru Ascent | $2,334 | $195 |
| 23 | Nissan Leaf | $2,348 | $196 |
| 24 | Chevrolet Colorado | $2,362 | $197 |
| 25 | Lexus NX 250 | $2,372 | $198 |
| 26 | Honda Civic | $2,374 | $198 |
| 27 | Volkswagen Atlas | $2,376 | $198 |
| 28 | Acura Integra | $2,384 | $199 |
| 29 | Subaru Forester | $2,386 | $199 |
| 30 | Volkswagen Atlas Cross Sport | $2,388 | $199 |
| 31 | Kia Seltos | $2,396 | $200 |
| 32 | GMC Terrain | $2,398 | $200 |
| 33 | Nissan Rogue | $2,410 | $201 |
| 34 | Hyundai Kona | $2,414 | $201 |
| 35 | Mazda CX-30 | $2,418 | $202 |
| 36 | Cadillac XT4 | $2,422 | $202 |
| 37 | Volkswagen ID4 | $2,430 | $203 |
| 38 | Ford Explorer | $2,432 | $203 |
| 39 | Toyota Highlander | $2,438 | $203 |
| 40 | Ford Escape | $2,446 | $204 |
| 41 | Toyota Venza | $2,446 | $204 |
| 42 | Honda Odyssey | $2,450 | $204 |
| 43 | Nissan Sentra | $2,456 | $205 |
| 44 | Subaru Impreza | $2,464 | $205 |
| 45 | Chevrolet Equinox | $2,468 | $206 |
| 46 | Toyota RAV4 | $2,472 | $206 |
| 47 | Mazda MX-5 Miata | $2,482 | $207 |
| 48 | Mazda MX-30 | $2,488 | $207 |
| 49 | Hyundai Tucson | $2,490 | $208 |
| 50 | Chevrolet Traverse | $2,502 | $209 |
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 Trenton, NJ Zip Codes. Updated June 27, 2025
A list of 50 ranked vehicles serves the purpose if you’re just looking for any vehicle with cheap insurance rates. But considering we track over 700 vehicles, that’s a lot of vehicles that get omitted from the list. So let’s rethink this and break out the models with the lowest rates in a different format, by automotive segment.
The next section of this article details the average cost of auto insurance by vehicle segment. This will give you a good understanding of the types of vehicles that have the overall most affordable average car insurance rates. Then the six sections following the chart break out the 20 models with the cheapest auto insurance for the primary segments.
Car insurance rates by automotive segment
If you’re shopping for a new or used vehicle, it’s advantageous to know which categories of vehicles have less expensive insurance rates. As an example, you may be wondering if midsize SUVs cost less to insure than full-size SUVs or if sports cars are cheaper to insure than luxury cars.
The next chart displays average auto insurance cost by vehicle segment in Trenton. From an overall average perspective, compact SUVs and midsize pickup trucks tend to have the least expensive rates, with luxury and performance models having the most expensive overall rates.
Average rates for different segments are useful for making an overall comparison, but rates vary greatly within each of the segments listed above.
For example, in the midsize luxury car segment, Trenton car insurance rates range from the Mercedes-Benz CLA250 costing $2,758 per year for a full coverage policy to the BMW M8 at $4,518 per year, a difference of $1,760 within that segment.
In the large luxury SUV segment, the average insurance cost ranges from the Infiniti QX80 costing $3,006 per year up to the Mercedes-Benz G63 AMG costing $5,762 per year, a difference of $2,756 within that segment.
In the upcoming sections, we eliminate a lot of this variability by looking at auto insurance cost in Trenton for specific makes and models of vehicles.
Cars with affordable insurance rates in Trenton, New Jersey
The most affordable 2-door and 4-door sedans and hatchbacks to insure in Trenton are the Toyota GR Corolla at $2,328 per year, the Nissan Leaf at $2,348 per year, and the Honda Civic at $2,374 per year.
Rounding out the top 10 are cars like the Toyota Corolla, Honda Accord, Toyota Prius, and Kia K5, with average rates of $2,614 per year or less.
Full-coverage auto insurance in this segment for a middle-age safe driver starts at around $194 per month, depending on your company and location. The rate comparison table below ranks the cars with the most affordable car insurance in Trenton, starting with the Toyota GR Corolla at $2,328 per year and ending with the Mazda 3 at $2,772 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,328 | $194 |
| Nissan Leaf | Compact | $2,348 | $196 |
| Honda Civic | Compact | $2,374 | $198 |
| Nissan Sentra | Compact | $2,456 | $205 |
| Subaru Impreza | Compact | $2,464 | $205 |
| Toyota Prius | Compact | $2,506 | $209 |
| Kia K5 | Midsize | $2,584 | $215 |
| Honda Accord | Midsize | $2,590 | $216 |
| Chevrolet Malibu | Midsize | $2,598 | $217 |
| Toyota Corolla | Compact | $2,614 | $218 |
| Kia Forte | Compact | $2,616 | $218 |
| Volkswagen Arteon | Midsize | $2,634 | $220 |
| Nissan Versa | Compact | $2,642 | $220 |
| Subaru Legacy | Midsize | $2,646 | $221 |
| Hyundai Ioniq 6 | Midsize | $2,668 | $222 |
| Mitsubishi Mirage G4 | Compact | $2,704 | $225 |
| Volkswagen Jetta | Compact | $2,710 | $226 |
| Toyota Crown | Midsize | $2,712 | $226 |
| Hyundai Sonata | Midsize | $2,718 | $227 |
| Mazda 3 | Compact | $2,772 | $231 |
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 Trenton, NJ Zip Codes. Updated June 26, 2025
For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in New Jersey.
Cheap SUVs to insure in Trenton, New Jersey
The top four SUVs with the lowest-cost average insurance rates in Trenton are the Subaru Crosstrek at $1,980 per year, Chevrolet Trailblazer at $2,014 per year, Kia Soul at $2,092 per year, and Nissan Kicks at $2,110 per year.
Rounding out the top 10 are SUVs like the Toyota Corolla Cross, Hyundai Venue, Buick Envision, and Mazda CX-5, with an average cost to insure of $2,196 per year or less.
In the lower half of the top 20 SUVs to insure, models like the Honda CR-V, Volkswagen Tiguan, Kia Niro, Nissan Murano, Subaru Ascent, and Honda HR-V cost between $2,196 and $2,334 per year to insure in Trenton.
Full-coverage insurance in this segment for a good driver will start around $165 per month, depending on your company and location. The comparison table below ranks the SUVs with the most affordable insurance rates in Trenton, starting with the Subaru Crosstrek at $1,980 per year and ending with the Subaru Ascent at $2,334 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,980 | $165 |
| Chevrolet Trailblazer | Compact | $2,014 | $168 |
| Kia Soul | Compact | $2,092 | $174 |
| Nissan Kicks | Compact | $2,110 | $176 |
| Honda Passport | Midsize | $2,136 | $178 |
| Buick Envision | Compact | $2,148 | $179 |
| Toyota Corolla Cross | Compact | $2,160 | $180 |
| Hyundai Venue | Compact | $2,176 | $181 |
| Mazda CX-5 | Compact | $2,186 | $182 |
| Ford Bronco Sport | Compact | $2,196 | $183 |
| Volkswagen Tiguan | Compact | $2,218 | $185 |
| Nissan Murano | Midsize | $2,252 | $188 |
| Buick Encore | Compact | $2,276 | $190 |
| Subaru Outback | Midsize | $2,282 | $190 |
| Honda CR-V | Compact | $2,284 | $190 |
| Buick Envista | Midsize | $2,292 | $191 |
| Volkswagen Taos | Compact | $2,296 | $191 |
| Kia Niro | Compact | $2,308 | $192 |
| Honda HR-V | Compact | $2,334 | $195 |
| Subaru Ascent | Midsize | $2,334 | $195 |
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 Trenton, NJ Zip Codes. Updated June 27, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Don’t see your SUV in the table above? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in New Jersey.
Luxury cars with cheap insurance rates
Out of all 2024 models, the top five lowest-cost luxury car models to insure in Trenton are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Rates for for these models range from $2,384 to $2,774 per year.
Also ranking well in our comparison are cars like the Cadillac CT4, Lexus ES 350, Genesis G70, and Lexus RC 300, with an average car insurance cost of $2,818 per year or less.
Some additional vehicles on the list include the Lexus IS 350, Audi S3, BMW 230i, Lexus ES 300h, and BMW 330e, which cost between $2,818 and $3,006 per year for insurance in Trenton.
From a monthly standpoint, full-coverage car insurance in this segment for a good driver starts at around $199 per month, depending on the company and your location. The next table ranks the twenty luxury cars with the most affordable insurance in Trenton, starting with the Acura Integra at $2,384 per year and ending with the Audi S3 at $3,006 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,384 | $199 |
| BMW 330i | Compact | $2,730 | $228 |
| Mercedes-Benz CLA250 | Midsize | $2,758 | $230 |
| Lexus IS 300 | Midsize | $2,762 | $230 |
| Acura TLX | Compact | $2,774 | $231 |
| Lexus ES 350 | Midsize | $2,798 | $233 |
| Cadillac CT4 | Compact | $2,800 | $233 |
| Genesis G70 | Compact | $2,806 | $234 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,812 | $234 |
| Lexus RC 300 | Midsize | $2,818 | $235 |
| Lexus IS 350 | Compact | $2,830 | $236 |
| Jaguar XF | Midsize | $2,836 | $236 |
| Cadillac CT5 | Midsize | $2,890 | $241 |
| Lexus ES 250 | Midsize | $2,900 | $242 |
| Lexus RC 350 | Compact | $2,908 | $242 |
| BMW 330e | Compact | $2,912 | $243 |
| BMW 228i | Compact | $2,916 | $243 |
| BMW 230i | Compact | $2,938 | $245 |
| Lexus ES 300h | Midsize | $2,942 | $245 |
| Audi S3 | Compact | $3,006 | $251 |
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 Trenton, NJ Zip Codes. Updated June 26, 2025
See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.
Looking for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Trenton car insurance quotes from top car insurance companies in New Jersey.
Luxury SUVs with cheap insurance rates
The cheapest luxury SUV models to insure in Trenton are the Acura RDX at $2,240 per year, the Lexus NX 250 at $2,372 per year, and the Cadillac XT4 at $2,422 per year.
Not the cheapest luxury SUVs to insure, but still very reasonable, are SUVs like the Lincoln Corsair, Lexus NX 350h, Lexus UX 250h, and Lexus NX 450h, with an average cost of $2,584 per year or less.
In the lower half of the top 20 luxury SUVs to insure, models like the Cadillac XT6, Land Rover Evoque, Acura MDX, Lexus NX 350, and Mercedes-Benz GLA250 average between $2,584 and $2,690 to insure per year in Trenton.
Car insurance rates in Trenton for this segment for an average middle-age driver will start around $187 per month, depending on where you live. The comparison table below ranks the luxury SUVs with the most affordable average insurance rates in Trenton, starting with the Acura RDX at $2,240 per year and ending with the Lexus RX 350 at $2,690 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,240 | $187 |
| Lexus NX 250 | Compact | $2,372 | $198 |
| Cadillac XT4 | Compact | $2,422 | $202 |
| Jaguar E-Pace | Midsize | $2,506 | $209 |
| Cadillac XT5 | Midsize | $2,530 | $211 |
| Lexus NX 350h | Compact | $2,530 | $211 |
| Lincoln Corsair | Compact | $2,560 | $213 |
| Mercedes-Benz GLB 250 | Compact | $2,566 | $214 |
| Lexus UX 250h | Compact | $2,572 | $214 |
| Lexus NX 450h | Compact | $2,584 | $215 |
| Infiniti QX50 | Midsize | $2,604 | $217 |
| Mercedes-Benz GLA250 | Compact | $2,614 | $218 |
| Cadillac XT6 | Midsize | $2,622 | $219 |
| Mercedes-Benz GLA35 AMG | Compact | $2,622 | $219 |
| Infiniti QX60 | Midsize | $2,636 | $220 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,640 | $220 |
| Land Rover Evoque | Compact | $2,676 | $223 |
| Acura MDX | Midsize | $2,678 | $223 |
| Lexus NX 350 | Compact | $2,688 | $224 |
| Lexus RX 350 | Midsize | $2,690 | $224 |
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 Trenton, NJ Zip Codes. Updated June 27, 2025
See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.
Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Trenton car insurance quotes from top-rated car insurance companies in New Jersey.
Cheap pickups to insure in Trenton
Ranking in the top five for the lowest-cost Trenton car insurance rates in the pickup truck segment are the Nissan Frontier, Chevrolet Colorado, Ford Ranger, Nissan Titan, and Ford Maverick. Car insurance quotes for these 2024 models average $2,602 or less per year.
Rounding out the top 10 are trucks like the GMC Canyon, GMC Sierra 2500 HD, Hyundai Santa Cruz, and Toyota Tacoma, with average annual insurance rates of $2,758 per year or less.
Car insurance rates in Trenton for this segment for the average driver starts at an average of $197 per month, depending on where you live. The rate comparison table below ranks the twenty pickups with the most affordable average insurance rates in Trenton, starting with the Chevrolet Colorado at $2,362 per year ($197 per month) and ending with the Ram Truck at $3,100 per year ($258 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,362 | $197 |
| Nissan Titan | Full-size | $2,508 | $209 |
| Nissan Frontier | Midsize | $2,534 | $211 |
| Ford Ranger | Midsize | $2,562 | $214 |
| Ford Maverick | Midsize | $2,602 | $217 |
| Honda Ridgeline | Midsize | $2,662 | $222 |
| Hyundai Santa Cruz | Midsize | $2,704 | $225 |
| Toyota Tacoma | Midsize | $2,714 | $226 |
| GMC Sierra 2500 HD | Heavy Duty | $2,726 | $227 |
| GMC Canyon | Midsize | $2,758 | $230 |
| Jeep Gladiator | Midsize | $2,824 | $235 |
| GMC Sierra 3500 | Heavy Duty | $2,840 | $237 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,868 | $239 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,942 | $245 |
| GMC Sierra | Full-size | $2,962 | $247 |
| Nissan Titan XD | Heavy Duty | $2,964 | $247 |
| Chevrolet Silverado | Full-size | $2,966 | $247 |
| Ford F150 | Full-size | $3,000 | $250 |
| GMC Hummer EV Pickup | Full-size | $3,076 | $256 |
| Ram Truck | Full-size | $3,100 | $258 |
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 Trenton, NJ Zip Codes. Updated June 26, 2025
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Don’t see your pickup model? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Trenton car insurance quotes from top-rated companies in New Jersey.
Sports cars with affordable insurance rates
The four highest ranking sports cars with the cheapest insurance in Trenton are the Mazda MX-5 Miata at $2,482 per year, Toyota GR86 at $2,824 per year, Ford Mustang at $2,948 per year, and BMW Z4 at $2,962 per year.
Not the cheapest sports cars to insure, but still very reasonable, are cars like the Toyota GR Supra, Nissan Z, Lexus RC F, and Subaru BRZ, with average annual insurance rates of $3,204 per year or less.
Ranked in the lower half of the top 20, models like the Porsche 718, Porsche 911, BMW M3, BMW M4, and Chevrolet Corvette average between $3,204 and $4,542 per year for insurance in Trenton.
As a cost per month, full-coverage car insurance in Trenton on this segment starts at an average of $207 per month, depending on the company and your location.
The rate comparison table below ranks the sports cars with the cheapest auto insurance rates in Trenton.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,482 | $207 |
| Toyota GR86 | Sports Car | $2,824 | $235 |
| Ford Mustang | Sports Car | $2,948 | $246 |
| BMW Z4 | Sports Car | $2,962 | $247 |
| Subaru WRX | Sports Car | $3,004 | $250 |
| Toyota GR Supra | Sports Car | $3,012 | $251 |
| BMW M2 | Sports Car | $3,100 | $258 |
| Nissan Z | Sports Car | $3,106 | $259 |
| Lexus RC F | Sports Car | $3,168 | $264 |
| Subaru BRZ | Sports Car | $3,204 | $267 |
| BMW M3 | Sports Car | $3,386 | $282 |
| Porsche 718 | Sports Car | $3,452 | $288 |
| Chevrolet Camaro | Sports Car | $3,482 | $290 |
| Chevrolet Corvette | Sports Car | $3,712 | $309 |
| Porsche 911 | Sports Car | $3,840 | $320 |
| BMW M4 | Sports Car | $4,004 | $334 |
| Lexus LC 500 | Sports Car | $4,022 | $335 |
| Jaguar F-Type | Sports Car | $4,228 | $352 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,436 | $370 |
| Porsche Taycan | Sports Car | $4,542 | $379 |
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 Trenton, NJ Zip Codes. Updated June 26, 2025
Is your vehicle not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Trenton.
What to expect when shopping for auto insurance
To reinforce the concept of the extent to which the cost of car insurance can vary from one driver to the next, the examples below show detailed car insurance rates for four popular models in Trenton: the Ram Truck, Honda Civic, Honda Pilot, and Toyota Camry.
Each example displays rates for a variety of different driver profiles to show how rates have significant variation based on multiple scenarios.
Ram Truck insurance rates
In Trenton, Ram Truck insurance averages $3,100 per year, or around $258 per month, and varies from $2,572 to $7,142.
The Ram Truck is classified as a full-size truck, and other similar models from the same segment include the GMC Sierra, Toyota Tundra, and Ford F150.
Honda Civic insurance rates
Honda Civic insurance in Trenton costs an average of $2,374 per year (about $198 per month) and varies from $1,976 to $5,388 annually.
The Honda Civic is a compact car, and other popular same-segment models include the Volkswagen Jetta, Hyundai Elantra, and Nissan Sentra.
Honda Pilot insurance rates
Insurance for a Honda Pilot in Trenton costs an average of $2,610 per year ($218 per month) and has a range of $2,168 to $6,032 per year.
The Honda Pilot is classified as a midsize SUV, and additional similar models from the same segment include the Kia Sorento, Jeep Grand Cherokee, Ford Explorer, and Toyota Highlander.
Toyota Camry insurance rates
Toyota Camry insurance in Trenton averages $2,878 per year ($240 per month) and ranges from $2,394 to $6,622 per year.
The Toyota Camry is considered a midsize car, and other models popular in Trenton include the Hyundai Sonata, Honda Accord, Nissan Altima, and Kia K5.
Helpful tips to save on car insurance
Drivers should always be thinking of ways to reduce their monthly insurance expenses. So review the tips below and maybe you can save a little dough on your next car insurance policy.
- Stay claim free and save. Most car insurance companies offer a discount if you have not filed any claims. Auto insurance is intended to be used to protect you from large financial hits, not small claims that can be paid out-of-pocket.
- Shop your coverage around. Take a couple of minutes to get some free car insurance quotes is our top recommendation for saving money on car insurance. Rates change frequently and you can switch companies very easily.
- Cheaper rates come with better credit scores. Insureds with excellent credit scores of 800+ could save up to $421 per year when compared to a credit rating of 670-739. Conversely, a subpar credit rating could cost around $488 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Earn discounts to save money. Discounted rates may be available if the insureds are senior citizens, choose electronic billing, insure multiple vehicles on the same policy, drive a vehicle with safety or anti-theft features, insure their home and car with the same company, or many other discounts which could save the average Trenton driver as much as $456 per year.
- Get a discount from your employment. Just about all car insurance providers offer discounts for specific occupations like architects, accountants, lawyers, emergency medical technicians, dentists, and others. By qualifying for this profession discount, you may save between $80 and $261 on your insurance premium, depending on the level of coverage purchased.