New Jersey Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, New Jersey car insurance averages about $279 a month ($3,345 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 19% above the national average in our data. It’s higher than in Delaware and Pennsylvania but lower than in New York. GEICO has the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, NJM, Progressive and State Farm), at about $192 a month.

New Jersey car insurance: key numbers

• Full coverage: about $279 a month ($3,345 a year)
• Liability only (15/30/5): about $128 a month
• Lowest-priced insurer: GEICO has the lowest full-coverage average among the five major insurers we compared, at about $192 a month
• Recent price change: +1.2% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Hudson County (about $343 a month) and Hunterdon County (about $239)

Where you live matters too. Hudson and Essex counties, home to Jersey City and Newark, average about $343 and $341 a month for full coverage in our data, while Hunterdon County, the least expensive county, averages about $239. Use these averages as a benchmark for where you live, then compare New Jersey auto insurance quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 422 New Jersey ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in New Jersey?

In New Jersey, full coverage averages about $279 a month ($3,345 a year), and liability-only coverage at 15/30/5 limits averages $128 a month ($1,539 a year). The figure is for a 40-year-old driver with a clean record and uses rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in New Jersey averages $3,345 a year, or about $279 a month, for our benchmark driver. Liability-only coverage at 15/30/5 limits averages $1,539 a year ($128 a month), and 50/100/50 liability with comprehensive and collision averages $3,085 ($257 a month).

• Full coverage (100/300/100, $500 deductibles): $3,345 a year ($279 a month)
• 50/100/50 with $500 deductibles: $3,085 a year ($257 a month)
• Liability only (15/30/5): $1,539 a year ($128 a month)
• Newark: $4,907 a year ($409 a month) for full coverage
• Jersey City: $4,120 a year ($343 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How New Jersey Compares With Neighboring States

New Jersey’s average is about $9 a month below New York’s, $38 above Delaware’s and $75 above Pennsylvania’s. It’s the seventh-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in New Jersey: Companies Compared

Cheap car insurance in New Jersey starts with GEICO, which has the lowest full-coverage average of these five insurers, about $192 a month ($2,306 a year) for our benchmark driver, followed by NJM at $215. For cheap full-coverage car insurance in NJ, compare those two first; for cheap auto insurance with liability-only coverage, GEICO is lowest too. The bullets and table below show all five major insurers we compared and the three insurers marked *.

• Lowest average among these five insurers, full coverage: GEICO, at about $192 a month ($2,306 a year).
• Next lowest among these five insurers: NJM, at about $215 a month, then Progressive at $296.
• Lowest liability-only average (15/30/5): GEICO, at about $70 a month, then NJM at $94 among these five insurers.
• Also on our list: Selective at about $179 a month, Travelers at $216 and Plymouth Rock at $236.
• Most expensive in our data: State Farm, at about $377 a month for full coverage, $2,212 a year more than GEICO.

GEICO has the lowest full-coverage average among the five insurers in our New Jersey 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 $70 a month, followed by NJM at $94.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.

See What You’d Pay in New Jersey

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How New Jersey’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in New Jersey?

Slightly, for our benchmark driver. Comparing the same insurers in the same New Jersey ZIP codes, full coverage averaged $3,306 a year nine months earlier and $3,345 in rates as of Aug. 31, 2026, a 1.2% increase. GEICO cut its New Jersey average 6.1%, while State Farm raised its average 4.6%, Allstate 2.8% 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 14.5%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

Why Is Car Insurance So Expensive in New Jersey?

New Jersey’s full-coverage average is the seventh-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• North Jersey’s cities. Hudson and Essex counties average about $343 and $341 a month for full coverage, and Newark and Irvington $409, while Hunterdon County, the least expensive county, averages $239.
• No low-cost corner of the state. All 21 New Jersey counties average more than the national $234 a month for full coverage; even Hunterdon County, the least expensive, is at $239.
• Required injury coverage. Every Standard policy includes personal injury protection, with medical limits up to $250,000 or more, and uninsured and underinsured motorist coverage.

New Jersey also lets insurers use credit-based insurance scores to set prices, within limits: an insurer can’t use a score to deny, cancel or refuse to renew your policy, according to the New Jersey Department of Banking and Insurance.

New Jersey Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Newark is the most expensive, at $409 a month for full coverage, followed by Paterson at $385 and Elizabeth at $381. Toms River is the least expensive of them, at about $244. Across all 373 cities and towns we price, averages run from about $409 in Irvington and Newark to $227 in Manasquan and Point Pleasant Beach. The table below lists New Jersey auto insurance rates by town and links each of our city guides.

The table lists all 373 New Jersey cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

New Jersey City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

New Jersey Car Insurance Rates by County

Hudson County is the most expensive county in our data, at about $343 a month for full coverage, followed by Essex County ($341) and Passaic County ($320). The least expensive of the 21 are Hunterdon and Cape May counties (both $239) and Warren County ($240). We price all 21 of New Jersey’s counties.

How Much More Does Better Coverage Cost in New Jersey?

Raising liability limits from 50/100/50 to 100/300/100 adds about $260 a year on average statewide in our data, with the same $500 deductibles. New Jersey’s minimum for a Standard policy is 35/70/25, so both packages are well above it. Across the five insurers, the step up costs $185 (NJM) to $378 (State Farm) a year. Statewide, that’s about $22 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. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

New Jersey Standard, Basic and Special Policies

New Jersey offers three kinds of auto policies, so NJ car insurance prices depend on which one you buy.

The New Jersey Department of Banking and Insurance explains each policy and your coverage choices, and SAIP details are on its Special Automobile Insurance Policy page.

PIP and the Right to Sue in New Jersey

Personal injury protection, sometimes called no-fault coverage, pays your own medical bills after a crash no matter who caused it. On a Standard policy, you choose the PIP medical limit and deductible, and you can make your health insurer pay first instead, as long as your health coverage isn’t Medicare or Medicaid, according to the state insurance department.

You also choose a lawsuit option. With the Unlimited Right to Sue, you keep the right to sue an at-fault driver for pain and suffering for any injury. With the Limited Right to Sue, you can sue for pain and suffering only if you have one of the injuries the law lists: loss of a body part, significant disfigurement or scarring, a displaced fracture, loss of a fetus, a permanent injury or death. Either way, your own PIP still pays your medical bills and some other losses up to your PIP limits; the lawsuit choice doesn’t change that. If you don’t choose, the Limited Right to Sue applies by law, and the state insurance department says it may reduce your premium.

Fault still matters when you sue: you can recover damages from the other driver only if you were 50% or less at fault, according to the New Jersey courts’ model jury charge on comparative negligence.

What Car Insurance Is Required in New Jersey?

Since Jan. 1, 2026, a New Jersey Standard policy, whether issued or renewed, must carry 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. The law is also met by a Basic policy that carries $5,000 of property damage liability and $15,000 of PIP.

New Jersey drivers can choose between two main types of policies, Standard and Basic, and either one meets the state’s insurance law. A Standard policy must include at least:

• $35,000 per person and $70,000 per crash in bodily injury liability, for policies issued or renewed since Jan. 1, 2026, under P.L.2022, c.87. The minimum was $25,000 and $50,000 from 2023 through 2025 and $15,000 and $30,000 before that.
• $25,000 in property damage liability, unchanged in 2026, according to a Department of Banking and Insurance bulletin.
• Personal injury protection (PIP), which pays your own medical bills after a crash no matter who caused it. You can choose a medical limit of $15,000, $50,000, $75,000, $150,000 or $250,000 or more, and the deductible is at least $250, according to the state’s auto insurance buyer’s guide.
• Uninsured and underinsured motorist coverage, for when the other driver has no insurance or too little. Uninsured motorist coverage must be at least 35/70/25, and insurers must offer underinsured motorist coverage up to at least 250/500/100.

The Basic policy costs less and covers much less: $5,000 of property damage liability, $15,000 of PIP per person (up to $250,000 for certain serious injuries), no uninsured motorist coverage and no bodily injury liability unless you add $10,000. The Limited Right to Sue is the only option available with it. The New Jersey Department of Banking and Insurance says it should be considered by drivers with few family responsibilities and few real assets. Without bodily injury coverage, your insurer won’t pay for a lawyer to defend you if you’re sued.

The liability-only prices on this page use 15/30/5 limits with 15/30 uninsured and underinsured motorist coverage, which is below the Standard-policy minimum, and our full-coverage prices use 100/300/100 with uninsured and underinsured motorist coverage at 100/300.

Penalties for Driving Uninsured in New Jersey

Driving uninsured in New Jersey brings a fine of $300 to $1,000, community service and a one-year license suspension, under N.J.S.A. 39:6B-2. Since a 2014 change in the law, the court can shorten or drop the suspension if you show proof of insurance at the hearing. The Motor Vehicle Commission also adds a surcharge of $250 a year for three years. A second offense brings a fine of up to $5,000, 14 days in jail, 30 days of community service and a two-year loss of driving privileges.

Proof of Insurance in New Jersey

Your insurer must give you a New Jersey insurance identification card for each car, on paper or electronically, and you can show it on your phone, according to the Motor Vehicle Commission. Showing it on a phone doesn’t give an officer permission to look at anything else on the device, under P.L.2015, c.54. Insurers report new and canceled policies to the commission every month, and it asks owners of registered cars that show up as uninsured for proof of insurance, according to its uninsured motorist identification guide. Restoring a suspended registration costs $100 for each privilege, according to its suspension page.

How to Lower Your Car Insurance Rate in New Jersey

1. Quote several insurers. Among the five major insurers we compared in New Jersey, the lowest and highest averages are about $185 a month apart for the same driver and car.
2. Compare GEICO and NJM first. They have the two lowest full-coverage averages among the five major insurers we compared in New Jersey, about $192 and $215 a month.
3. Set your PIP limit and deductible on purpose. A higher PIP deductible or a lower medical limit, such as $15,000 instead of $250,000, reduces the PIP part of your premium, according to the state’s insurance department, but you’d pay more of your own medical bills after a crash. Even a lower limit still covers up to $250,000 for certain serious injuries.
4. Ask about the health care primary option. Making your health insurer pay first for crash injuries may reduce your premium, the state’s insurance department says. Medicare and Medicaid don’t qualify, and you’d owe an extra $750 deductible if your health coverage lapsed.
5. Compare the two lawsuit options. The Limited Right to Sue may reduce your premium, but it bars lawsuits for pain and suffering unless you have one of the serious injuries the law lists, such as a displaced fracture or significant scarring. If you don’t choose, you get the limited option, according to the state’s buyer’s guide.
6. Don’t let coverage lapse. Insurers report canceled policies to the Motor Vehicle Commission every month, and an uninsured registration can be suspended; restoring it costs $100 for each privilege, according to the commission.
7. Compare at every renewal. Over the past nine months, GEICO has cut its statewide average 6.1%, while State Farm has raised its average 4.6%, Allstate 2.8% and Progressive 1.1%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
9. Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in New Jersey and our home insurance guides for Jersey City and Newark, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Compare New Jersey Car Insurance Quotes

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How We Calculated New Jersey Car Insurance Rates

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.

• Sample: 2,110 full-coverage premiums from five insurers across 422 New Jersey ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/5 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. New Jersey’s minimum for a Standard policy has been 35/70/25 since Jan. 1, 2026, so our liability-only prices use lower limits than the law requires for a Standard policy. The package isn’t a Basic policy either: a Basic policy has $5,000 of property damage liability, no uninsured motorist coverage and bodily injury liability only as a $10,000 option. Standard and Basic policies both include personal injury protection, and the PIP and lawsuit options you choose can change your own price; the requirements section of this page explains them.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 New Jersey rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

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.

More New Jersey Car Insurance Breakdowns

The table below comes from an additional InsuranceQuotes rate analysis that priced state-minimum and full coverage in 100 New Jersey cities and towns for a single, middle-aged driver with a clean record and a used car. It uses its own driver profile and mix of insurers, so its prices differ from ours. In it, Paterson, Belleville and Clifton rank as the most expensive, and Allenwood and Bay Head as the least expensive. Use it to compare towns with each other.

New Jersey Car Insurance FAQ