New Jersey Car Insurance Calculator
Numbers refreshed
Just just three questions. No name, email or phone needed. needed. The average for New Jersey has already been set.
1 of 2
What's the main driver's age?
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How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
New Jersey averages used for the estimate
Using NAIC averages for New Jersey, the calculator adjusts for your age, driving record and vehicle.
| 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).
Ways the estimate changes
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
More about car insurance in New Jersey
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