Full Coverage Car Insurance in New Jersey
Numbers refreshed
Liability, collision and comprehensive together, priced from the New Jersey averages.
- $157.what full coverage costs each month on average.
- 35/70/25.the minimum liability limits.
- 7th of 51.the most expensive state (1st = highest).
How much full coverage costs in New Jersey
Full coverage adds collision and comprehensive to liability. Those two parts cost $745 a year in New Jersey, added to the $1,133 liability average.
| 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).
The moment full coverage stops being worth the cost
While you still owe money on the car, lenders and lease companies require it.
After the car is paid off, weigh its value against the $745 a year that extra cover costs. Usually, liability only makes more sense if premiums for one bad year would cover most of the car's price.
In New Jersey, full coverage for each car
These estimates come from IIHS-HLDI loss results and cover an adult with a clean record. Of the 40 models we price, these are the cheapest and the most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $1,166 | $97 |
| Honda CR-V | $1,221 | $102 |
| Subaru Outback | $1,282 | $107 |
| Chevrolet Corvette | $1,421 | $118 |
| Kia Forte | $2,511 | $209 |
| Chevrolet Camaro | $2,823 | $235 |
| Dodge Challenger | $3,440 | $287 |
| Dodge Charger | $3,466 | $289 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Learn more about car insurance in New Jersey
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