Average Car Insurance Cost in New Jersey
Numbers refreshed
NAIC averages for New Jersey break down each coverage type and add the state's national rank.
- $1,878.That's the yearly average for full coverage.
- 35/70/25.The minimum liability limits.
- 7th of 51.Seventh most expensive of the states (1st = highest).
Average cost by coverage in New Jersey
Full coverage in New Jersey runs $1,878 a year on average. That figure is 16% above the US average, which comes to $1,613 a year.
Spending per insured car averaged $1,570 in 2023 and $1,748 in 2024, up 11.3%.
| Coverage in New Jersey | Per year | Per month |
|---|---|---|
| Liability | $1,133 | $94 |
| Collision | $545 | $45 |
| Comprehensive | $201 | $17 |
| Full coverage (all three) | $1,878 | $157 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
New Jersey compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| District of Columbia | 4th | $1,986 | $166 |
| Georgia | 5th | $1,973 | $164 |
| Texas | 6th | $1,917 | $160 |
| New Jersey | 7th | $1,878 | $157 |
| Nevada | 8th | $1,866 | $155 |
| Rhode Island | 9th | $1,850 | $154 |
| Colorado | 10th | $1,835 | $153 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number just for you
Averages blend every age and record together. The New Jersey calculator adjusts the result to match yours.
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