What's the Average Cost of Car Insurance in New Jersey?

The Zebra
Feb. 7, 2019

Auto insurance is expensive in New Jersey. The average auto insurance cost in New Jersey is $1,679 per year — 17.6% more than the national average.

Your auto insurance premiums are dictated by factors other than state lines. Auto insurance premiums price based on myriad factors, such as a driver's marital status, driving history, credit rating, gender, and age.

We analyzed average New Jersey auto insurance rates by each of the major rating qualifications. Read on to see how much car insurance costs in your state — or enter your zip code to see personalized prices from leading insurers.


Compare insurance companies today!

Location pin icon


Average New Jersey auto insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Mean Car Insurance Premiums in New Jersey by Age

It's unavoidable: as you age, your car insurance expenditures shift. Generally speaking, auto insurance is more expensive for young drivers and teens, as car insurers consider inexperienced drivers as less responsible.

In New Jersey, auto coverage runs $7,870 per year for a 16-year-old driver, compared to $1,497 per annum for a driver in their 50s.


NEW JERSEY CAR INSURANCE RATES BY AGE
AgeAverage Annual Rate
16$7,870.13
17$7,196.79
18$6,297.74
19$3,752.22
20s$2,308.76
30s$1,617.33
40s$1,578.94
50s$1,497.30
60s$1,522.93
70s$1,618.35

If you're facing the prospect of getting a teen driver insured, it's worth noting New Jersey is the 41st cheapest state in which to buy auto insurance for a 16-year-old.




Average Auto Insurance Premiums in New Jersey by Gender

While gender does not carry as significant an impact on auto insurance rates as location or age, it is used as a rating factor by insurance companies.


NEW JERSEY CAR INSURANCE PRICES FOR WOMEN VS. MEN
GenderAverage Annual Cost
Male$1,637.21
Female$1,672.53

If you're worried you might not be getting the best value for your money with your current auto insurance company, the best course of action is to do some shopping.




Average Car Insurance Premiums in New Jersey by Marital Status

One benefit of marriage — in addition to the honeymoon — is the improved deal you typically receive on your car insurance policy. In the state of New Jersey, married drivers save $104 each year on car insurance policies. This is more than the national post-wedding price cut of $76.


NEW JERSEY CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,637.21
Married$1,533.70
Divorced$1,637.21
Widowed$1,612.41

Car insurance for divorced drivers in New Jersey is the 10th most expensive in the . If you're overpaying for your auto insurance, weigh your options. You could find a great policy for less!




Average Auto Insurance Rates in New Jersey by Credit

Auto insurance companies utilize credit history to gauge a potential customer's reliability. Trended data show drivers with superior credit histories are usually more dependable car insurance clients: they are less likely to file claims covered by insurance companies.

In New Jersey, a driver who maintains excellent credit saves $1,592.01 each year on car insurance rates, versus a driver with a less-favorable credit history. Read more about how credit score affects auto insurance prices:


NEW JERSEY CAR INSURANCE RATES BY CREDIT
Credit LevelAverage Annual Rate
Very Poor (300-579)$2,997.45
Fair (580-669)$2,469.97
Good (670-739)$2,097.93
Very Good (740-799)$1,733.37
Exceptional (800-850)$1,405.45

Getting inexpensive car insurance if you have poor credit can be difficult. But we're here to provide some help. Check out our guide to finding auto insurance with poor credit and save!




Typical Auto Insurance Prices for High-Risk Drivers in New Jersey

If you’re discovered to be to be at fault for a crash or found guilty of a driving offense, your car insurance rates are bound to rise. The more violations you accumulate, the more expensive your auto insurance gets.

In New Jersey, your first minor at-fault collision will cost $780.04 each year in car insurance premiums. A DWI — among the most serious driving infractions — may raise your yearly insurance rates in New Jersey by as much as $786.00.


NEW JERSEY CAR INSURANCE COSTS AFTER OFFENSES
AgeAverage Annual Premium
DWI/DUI$2,464.56
Reckless Driving$2,874.78
At-Fault Accident (<$1,000)$2,458.60
At-Fault Accident ($1,000-$2,000)$1,708.62
At-Fault Accident (>$2,000)$2,458.60
Open Container$1,700.04
Speeding (21-25 MPH > limit)$1,425.48
Speeding (16-20 MPH > limit)$1,335.57

If your policy is more costly than the state average, consider shopping policies to discover cheap insurance coverage that fits your needs.




Median Auto Insurance Costs by Coverage Amount in New Jersey

The amount you pay every month for car insurance is dependent on the level of coverage you maintain. A liability-only policy typically is less expensive, while low-deductible comprehensive coverage costs more. In New Jersey, the rate difference between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $619.


NEW JERSEY CAR INSURANCE PRICES BY COVERAGE
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$1,184
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,664
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,788
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$1,070
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,555
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,679
State Minimum — Liability Only$881
State Minimum — $1,000 Comprehensive/Collision$1,376
State Minimum — $500 Comprehensive/Collision$1,500

If you're tired of dealing with expensive car insurance, it's worth shopping around to find cheap coverage that suits you.


Shop today!

Location pin icon