For a 40-year-old driver with a clean record, Woodbridge car insurance averages about $282 a month ($3,378 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. The New Jersey average is about the same, at $279 a month. GEICO has the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, NJM, Progressive and State Farm), at about $197 a month.
Woodbridge’s car insurance prices are close to the New Jersey average. Our benchmark driver pays about $282 a month for full coverage here, compared with $279 statewide, the average cost of car insurance in New Jersey. No one insurer is the best Woodbridge car insurance company for every driver, so use the comparison below as a starting point for your quotes.
Our numbers come from ZIP code 07095, which covers Woodbridge proper. Colonia, Avenel and Iselin, other communities in Woodbridge Township, also average about $282 a month in our data, and Fords about $275, so these figures work as a benchmark for car coverage across the township and for auto insurance quotes in Colonia, NJ, too. Compare New Jersey auto insurance quotes for other towns.
Cost data comes from the auto rates insurers file with state regulators, priced in Woodbridge’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, full coverage in Woodbridge, NJ, runs about $282 a month ($3,378 a year), and liability-only coverage at 15/30/5 limits runs $134 a month, based on rates filed as of Aug. 31, 2026. New Jersey as a whole averages $279 a month, which is roughly the same.
GEICO has the lowest full-coverage average among the five insurers in our Woodbridge rate data. The seven published 2026 statewide New Jersey rate studies we reviewed disagree on the cheapest insurer for full coverage: three put NJM first (one ties it with Selective), two GEICO and two Travelers. For liability-only coverage at 15/30/5 limits, GEICO has the lowest average among these five insurers, at about $74 a month, followed by NJM at $101.
Full-coverage averages by insurer in Woodbridge
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $892 | $74 | $2,359 | $197 |
| NJM Insurance | $1,211 | $101 | $2,561 | $213 |
| Progressive | $1,610 | $134 | $3,676 | $306 |
| Allstate | $1,676 | $140 | $3,710 | $309 |
| State Farm | $2,647 | $221 | $4,586 | $382 |
| Selective* | $974 | $81 | $2,170 | $181 |
| Travelers* | $1,629 | $136 | $2,612 | $218 |
| Plymouth Rock* | $1,155 | $96 | $2,851 | $238 |
| Woodbridge average | $1,607 | $134 | $3,378 | $282 |
This table uses Woodbridge’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $274 a year on average in our Woodbridge data, with the same $500 deductibles. That’s about $23 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Slightly, for our benchmark driver. Comparing the same insurers in the same Woodbridge ZIP code, full coverage averaged $3,335 a year nine months earlier and $3,378 in rates as of Aug. 31, 2026, a 1.3% increase. GEICO cut its Woodbridge average 6.0%, while State Farm raised its average 5.0%, Allstate 2.9% and Progressive 1.1%; NJM’s average was about unchanged. Liability-only coverage at 15/30/5 limits rose 9.5%, led by State Farm, which raised its liability-only average 14.4%. NJM was the only insurer to lower its liability-only average, by 3.1%.
Middlesex County averages $3,306 a year for full coverage in our data, the eighth-highest of New Jersey’s 21 counties, and Woodbridge is priced close to it. Edison and Metuchen both average about $270 a month.
Prices rise toward the county’s eastern edge: Carteret averages about $323 a month and Perth Amboy $337. Among insurers, GEICO, NJM and State Farm all charge less in Woodbridge than in any of our other New Jersey city guides. Insurers set New Jersey prices by area as well as by driver, so the same car can cost more or less to insure a few miles away.
More New Jersey cities and towns are in the New Jersey rates by city table, and you can compare states on our car insurance rates by state page.
Elizabeth, about eight miles northeast, averages $381 a month, and Newark, about 14 miles northeast, $409. Rahway, on the township’s northern border, averages about $331. Our page on New Jersey car insurance quotes and rates covers every city we price.
Drivers in Woodbridge follow New Jersey’s rules. A Standard policy issued or renewed since Jan. 1, 2026, must include at least:
A lower-cost Basic policy also meets the law, with $5,000 of property damage liability and $15,000 of PIP but no bodily injury liability unless you add $10,000. The liability-only prices on this page use 15/30/5 limits, below the Standard-policy minimum. Our New Jersey requirements guide covers the Basic and Special Automobile Insurance policies, the lawsuit options and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from New Jersey law and the New Jersey Department of Banking and Insurance. We refresh these figures when new rate data is released.
Car insurance in Woodbridge, NJ, costs about $282 a month ($3,378 a year) for full coverage and $134 a month for liability-only coverage at 15/30/5 limits, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s about the same as the New Jersey average of $279 a month.
GEICO has the lowest full-coverage average in our Woodbridge rate data, at about $197 a month, with NJM close behind at $213. For liability-only coverage at 15/30/5 limits, GEICO has the lowest average of the five major insurers we compared, at about $74 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Our figures use ZIP code 07095, Woodbridge proper. Colonia, Avenel and Iselin, also in Woodbridge Township, average about $282 a month for full coverage in our data, the same as Woodbridge, and Fords about $275.
In our data, liability-only coverage at 15/30/5 limits averages about $134 a month in Woodbridge, and GEICO has the lowest average of the five major insurers we compared, about $74.
In our Woodbridge data, full coverage (100/300/100 with $500 deductibles) averages about $282 a month and liability-only coverage at 15/30/5 limits about $134, a difference of about $148 a month ($1,771 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New Jersey law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Woodbridge follow New Jersey law. A Standard policy issued or renewed since Jan. 1, 2026, needs at least $35,000 per person and $70,000 per crash in bodily injury liability, $25,000 in property damage liability, personal injury protection and uninsured and underinsured motorist coverage. A lower-cost Basic policy, with $5,000 of property damage liability and $15,000 of PIP, also meets the law.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP code, Woodbridge full coverage rose 1.3% over the past nine months, from about $3,335 to $3,378 a year. GEICO cut its Woodbridge average 6.0%, while State Farm raised its average 5.0%, Allstate 2.9% and Progressive 1.1%. Liability-only coverage at 15/30/5 limits rose 9.5%.
For our benchmark driver, full coverage in Woodbridge averages about $282 a month. Nearby, Elizabeth averages about $381, Newark about $409 and Jersey City about $343. Woodbridge is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
