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

The Zebra
Oct. 11, 2018

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

Your auto insurance rates are dictated by more than just location. Car insurance premiums price based on myriad components, including a motorist's credit score, driving record, age, gender, and marital status.

We examined average New Jersey car insurance premiums by all of the significant rating factors. See below how much auto insurance costs in your state — or submit your zip code to view personalized prices from top car insurance companies.


Average Car Insurance Expenditure in New Jersey by Age

It’s a fact of life: as you age, your auto insurance rates change. Typically, car insurance is pricier for teenage drivers, as underwriters consider inexperienced drivers as less responsible.

In New Jersey, car insurance costs $7,870 per year for a 16-year-old driver, compared to $1,497 per year for a driver in their 50s.


NEW JERSEY CAR INSURANCE RATES BY AGE BRACKET
Age Average 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



Mean Car Insurance Costs in New Jersey by Gender

While gender doesn’t carry as large an impact on car insurance rates as state or experience level, it is used as a rating factor. Men pay less than do women for car insurance in New Jersey, but the discrepancy is just $35.33 annually.

NEW JERSEY CAR INSURANCE PREMIUMS BY GENDER
Gender Average Annual Rate
Male $1,637.21
Female $1,672.53



Mean Car Insurance Rates in New Jersey by Marriage Status

One benefit of wedlock — aside from the wedding gifts — is the better deal you typically receive on car insurance. In New Jersey, married drivers save $104 per year on auto insurance. This is more than the national post-wedding price break of $76.


NEW JERSEY AUTO INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,637.21
Married $1,533.70
Divorced $1,637.21
Widowed $1,612.41



Average Car Insurance Prices in New Jersey by Credit Score

Car insurance underwriters use credit history to get an idea of a potential customer's reliability. Historical data suggest drivers with solid credit histories are usually more dependable car insurance customers: they are less likely to file claims for which insurance companies end up on the hook.

In New Jersey, a driver who maintains unblemished credit can save $1,592.01 per year on auto insurance rates, compared with a driver with a poor credit history. Learn more about how credit history may impact auto insurance premiums:


NEW JERSEY CAR INSURANCE EXPENDITURES BY CREDIT QUALITY
Credit Level Average 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



Average Car Insurance Costs for Bad Drivers in New Jersey

If you've been discovered to be at fault in a car accident or convicted of a driving infraction, your car insurance costs are going to rise. The more infractions you rack up, the more costly your auto insurance gets.

In New Jersey, your first minor at-fault crash will cost you $780.04 each year in car insurance premiums. A DWI — considered one of the most grievous driving offenses — will grow your annual insurance expenditure in New Jersey by an average of $786.00.


NEW JERSEY AUTO INSURANCE PREMIUMS AFTER OFFENSES
Age Average Annual Rate
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 you're facing above-average car insurance payments, consider insurance shopping to find inexpensive insurance coverage that suits you.


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