Comparing Auto Insurance: Texas vs. New Jersey

If you're moving from Texas to New Jersey, consider updating your car insurance.

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Car insurance in Texas vs. New Jersey

If you're in the process of relocating from Texas to New Jersey, you might be focused on the major concerns and big expenses: finding a reliable long-haul moving company, securing a home in your new state, and physically moving across state lines.

Amidst the stress of a big move, it’s easy to overlook the details. Car insurance is among the many details, but it's a big one. To abide by state laws and save money, plan to update your policy — or purchase a new policy — when you make the move.

Read our guide to car insurance in Texas vs. New Jersey and make your move painless. We'll cover the following topics:


  1. Insurance cost comparison
  2. Rates by coverage level
  3. Cheap companies by state
  4. Rates in major cities
  5. Additional resources


Texas vs. New Jersey car insurance — average prices

You should expect to pay less for auto insurance once you move. The typical annual auto insurance rate in New Jersey is $274 less expensive than the average expense in Texas. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.


AUTO INSURANCE RATES IN TEXAS VS. NEW JERSEY
StateAverage Annual Rate
Texas$2,125
New Jersey$1,850


Average car insurance premiums by coverage level

How much you pay for car insurance coverage depends on your vehicle, your personal driving profile, and how much money you’re willing to spend each month to protect your car.

If you select state minimum liability coverage, you will carry bodily injury, medical payment, and property damage liability coverages, along with underinsured and uninsured motorist coverage and personal injury protection (PIP) in some states.


AUTO INSURANCE RATES FOR MINIMUM LIABILITY COVERAGE IN TEXAS vs. NEW JERSEY
LocationDurationPremium
TexasAnnual$782
New JerseyAnnual$881
Texas6-Month$391
New Jersey6-Month$440
TexasMonthly$65
New JerseyMonthly$73


Electing to carry full-coverage auto insurance will cost more each month, but you'll get the added protection of collision and comprehensive coverages, plus extras such as rental reimbursement and roadside assistance. The most notable benefit of full coverage auto insurance is that it insures you and your car better than does minimum liability coverage. If you're ready to spend more to protect your investment, full coverage is recommended.


CAR INSURANCE RATES — FULL COVERAGE IN TEXAS vs. NEW JERSEY
LocationPeriodPremium
TexasAnnual$2,120
New JerseyAnnual$1,679
Texas6-Month$1,060
New Jersey6-Month$840
TexasMonthly$177
New JerseyMonthly$140


Cheap auto insurance companies in Texas and New Jersey

A major determinant of your car insurance costs is your choice of car insurance company. Car insurance companies price premiums in a variety of ways, leading to major price variations. Geography also comes into play: some insurance companies only sell policies within limited geographic windows, while bigger insurance companies' rates differ by state.

When swapping states, it’s important to find the best cheap auto insurance company in your new location. Get your research started below by viewing the five most affordable car insurance companies in Texas and New Jersey.


AFFORDABLE AUTO INSURANCE COMPANIES IN TEXAS
Insurance CompanyAverage Annual Rate
Travelers$1,031
USAA$1,106
Texas Farm Bureau$1,223
Germania Mutual$1,269
Esurance$1,393


See other cheap auto insurance companies in Texas.


CHEAP CAR INSURANCE COMPANIES IN NEW JERSEY
Car Insurance CompanyAverage Annual Rate
21st Century$1,089
Travelers$1,168
New Jersey Manufacturers$1,284
Penn National$1,352
Palisades$1,368


See more inexpensive auto insurance companies in New Jersey.


Car insurance rates by city in Texas and New Jersey

Although car insurance is legislated at the state level, insurers price rates by ZIP code to account for local factors such as population density and number of insurance claims. The exact location to which you relocate will play a major role in deciding your rates.

The below tables show car insurance rates in major cities in New Jersey and Texas.


AUTO INSURANCE PRICES BY CITY IN TEXAS
CityAverage Annual Rate
Houston$1,872
San Antonio$1,705
Dallas$1,874
Austin$1,643
Fort Worth$1,637


View a longer list of Texas cities here.


CAR INSURANCE PRICES BY CITY IN NEW JERSEY
CityAverage Annual Rate
Newark$2,547
Jersey City$2,299
Paterson$2,424
Elizabeth$2,422
Toms River$1,708


Your new city not listed above? View more insurance rates for New Jersey cities here.


More information on relocating from Texas to New Jersey

When you relocate from Texas to New Jersey, you will encounter unfamiliar driving laws, different FR-44 or SR-22 requirements, and more. Make sure your move goes off without a hitch with our collection of information on your new state: