Comparing auto insurance in New York and New Jersey
If you are moving from New York to New Jersey, you may be focusing on the primary concerns and expenses: finding a trustworthy moving company, getting an apartment or house in your new locale, and setting your move-in schedule.
With so many moving parts, it can be easy to forget the details. Car insurance coverage is among these details, but it's an important one. To stay street legal and find cheap rates, you’ll need to update your insurance policy — or find a new insurer altogether — when you move between states.
Check out our guide to car insurance in New York and New Jersey and learn what your next steps should be. We'll cover the following topics:
- Insurance rate comparison
- Insurance rates by coverage level
- Cheap companies by state
- Rates in major cities
- Additional resources
New York vs. New Jersey car insurance — average prices
Expect to pay less for auto insurance in your new home. The average annual auto insurance rate in New Jersey is $338 cheaper than the typical cost of car insurance in New York. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.
AUTO INSURANCE PREMIUMS IN NEW YORK AND NEW JERSEY
| State | Average Annual Price |
| New York | $2,188 |
| New Jersey | $1,850 |
Average car insurance premiums by coverage level
The cost of auto insurance 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 auto insurance coverage, you will most likely carry bodily injury, property damage liability, and medical payment coverages, in addition to uninsured/underinsured motorist coverage and personal injury protection in certain states.
CAR INSURANCE PREMIUMS — STATE MINIMUM COVERAGE IN NEW YORK vs. NEW JERSEY
| State | Period | Premium |
| New York | Annual | $887 |
| New Jersey | Annual | $881 |
| New York | 6-Month | $443 |
| New Jersey | 6-Month | $440 |
| New York | Monthly | $74 |
| New Jersey | Monthly | $73 |
Electing full-coverage auto insurance incurs additional costs, but you'll get the added protection of comprehensive and collision coverages, as well as perks like rental reimbursement and roadside assistance protection. The chief benefit of full coverage auto insurance is that it insures your vehicle and you better than does a lower level of coverage. If you're motivated to protect your investment in your vehicle, consider bumping up your policy to full coverage.
AUTO INSURANCE RATES FOR FULL COVERAGE IN NEW YORK vs. NEW JERSEY
| Location | Duration | Cost |
| New York | Annual | $1,786 |
| New Jersey | Annual | $1,679 |
| New York | 6-Month | $893 |
| New Jersey | 6-Month | $840 |
| New York | Monthly | $149 |
| New Jersey | Monthly | $140 |
Cheap auto insurance companies in New York and New Jersey
A primary determinant of your auto insurance costs is your choice of car insurance company. Car insurance companies set rates in a variety of ways, leading to substantial variations in pricing. Your location plays a role, too: some auto insurance companies have limited geographic range, while major insurers' rates change by state.
When swapping states, it’s important to find the best cheap insurance company offering policies in your new location. Start researching below by viewing the five most affordable car insurance companies in New York and New Jersey.
CHEAP CAR INSURANCE COMPANIES IN NEW YORK
| Company | Average Annual Rate |
| USAA | $1,175 |
| Erie | $1,230 |
| Utica National | $1,519 |
| Progressive | $1,527 |
| Travelers | $1,544 |
See other affordable auto insurance companies in New York.
CHEAP AUTO INSURANCE COMPANIES IN NEW JERSEY
| Company | Average Annual Rate |
| 21st Century | $1,089 |
| Travelers | $1,168 |
| New Jersey Manufacturers | $1,284 |
| Penn National | $1,352 |
| Palisades | $1,368 |
View other inexpensive auto insurance companies in New Jersey.
Car insurance rates by city in New York and New Jersey
Though car insurance is legislated by states, insurers assign rates by ZIP code to adjust for local factors like density and frequency of car crashes. The specific location to which you relocate plays a major role in deciding your car insurance rates.
View the below tables to see auto insurance rates in major cities in New Jersey and New York.
CAR INSURANCE PRICES BY CITY IN NEW YORK
| City | Average Annual Rate |
| New York | $2,681 |
| Buffalo | $1,518 |
| Rochester | $1,046 |
| Yonkers | $1,939 |
| Syracuse | $1,108 |
See a longer list of insurance rates in New York cities here.
AUTO INSURANCE RATES BY CITY IN NEW JERSEY
| City | Average Annual Premium |
| Newark | $2,547 |
| Jersey City | $2,299 |
| Paterson | $2,424 |
| Elizabeth | $2,422 |
| Toms River | $1,708 |
Looking for another city's data? View more insurance rates for New Jersey cities here.
More resources:moving from New York to New Jersey
When you pack up and move from New York to New Jersey, you’ll encounter unfamiliar driving laws, different SR-22 or FR-44 requirements, and more. Make sure your interstate move goes smoothly with our data on your new home:
