Liability Car Insurance in New Jersey
Numbers refreshed
New Jersey's cheapest legal policy: the price and the gaps it leaves.
- $94.the average monthly cost for liability.
- 35/70/25.the minimum liability limits.
- 7th of 51.the most expensive state (1st = highest).
What liability coverage costs in New Jersey
In New Jersey, liability-only car insurance averages $1,133 a year, or about $94 a month. For liability coverage, it's the 5th most expensive state.
| 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).
What you're left paying at the minimum
At least 35/70/25 liability is required in New Jersey: $35,000 per person hurt, $70,000 for all people hurt in one crash, and $25,000 covering damage to other people's property.
The other people are the ones liability pays. You pay for repairs to your own car unless you add collision.
Any crash cost above your limits leaves the rest open to a claim against you. Raising your limits usually costs far less than the extra protection you gain.
First written