Auto insurance in New Jersey averages $1,754/year, making NJ one of the most expensive states. Compare free quotes from top insurers serving Newark, Jersey City, and all of New Jersey — no personal info required to browse.
| Insurer | Avg. Annual Rate | Best For | AM Best Rating | Available in NJ |
|---|---|---|---|---|
| 🏆 GEICO Lowest Rates | ~$1,100/yr | Budget drivers | A++ | ✅ Yes |
| State Farm | ~$1,380/yr | Good drivers | A++ | ✅ Yes |
| ⭐ Progressive High-Risk/SR-22 | ~$1,520/yr | High-Risk / SR-22 | A+ | ✅ Yes |
| Allstate | ~$1,800/yr | Full coverage | A+ | ✅ Yes |
| USAA | ~$1,050/yr | Military families | A++ | ✅ Yes |
| NJM NJ Exclusive | ~$1,200/yr | NJ Local Favorite | A+ | ✅ Yes |
| City | Avg Annual Premium | vs NJ Average |
|---|---|---|
| Newark | $2,340/yr | +33% |
| Jersey City | $2,180/yr | +24% |
| Paterson | $2,290/yr | +31% |
| Elizabeth | $2,150/yr | +23% |
| Trenton | $1,980/yr | +13% |
| Camden | $2,050/yr | +17% |
| Edison | $1,620/yr | -8% |
| Cherry Hill | $1,490/yr | -15% |
| Driver Profile | Avg Annual Premium |
|---|---|
| Clean record | $1,460/yr |
| One at-fault accident | $2,210/yr |
| One speeding ticket | $1,890/yr |
| Teen driver (added) | +$1,800/yr |
| Senior (65+) | $1,650/yr |
| DUI on record | $3,100/yr |
New Jersey requires 15/30/5 minimum liability coverage — $15,000 per person, $30,000 per accident, and $5,000 property damage. New Jersey is a no-fault state — PIP (Personal Injury Protection) coverage is also required, meaning your own insurer pays your medical bills regardless of fault.
We analyze rates, coverage options, and availability specifically for New Jersey residents. All comparisons are updated monthly.
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The average cost of auto insurance in New Jersey is $1,754/year. NJ is one of the most expensive states for car insurance due to its high population density, no-fault laws, and high rates of uninsured drivers. Rates vary by city, driving record, and coverage level.
New Jersey requires 15/30/5 liability coverage — $15,000 per person, $30,000 per accident, and $5,000 for property damage. Because NJ is a no-fault state, PIP (Personal Injury Protection) coverage is also required.
You can lower your New Jersey car insurance by comparing quotes from multiple insurers, bundling home and auto policies (saves 10–25%), maintaining a clean driving record, raising your deductible, and taking advantage of telematics or good-driver discounts.
Yes, New Jersey is a no-fault state. PIP (Personal Injury Protection) coverage is required, meaning your own insurer covers your medical expenses after an accident regardless of who was at fault. NJ drivers choose between a "Basic" and "Standard" policy, each with different PIP and tort options.