If you're moving from Texas to New Jersey, consider updating your car insurance.
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:
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.
| State | Average Annual Rate |
| Texas | $2,125 |
| New Jersey | $1,850 |
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.
| Location | Duration | Premium |
| Texas | Annual | $782 |
| New Jersey | Annual | $881 |
| Texas | 6-Month | $391 |
| New Jersey | 6-Month | $440 |
| Texas | Monthly | $65 |
| New Jersey | Monthly | $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.
| Location | Period | Premium |
| Texas | Annual | $2,120 |
| New Jersey | Annual | $1,679 |
| Texas | 6-Month | $1,060 |
| New Jersey | 6-Month | $840 |
| Texas | Monthly | $177 |
| New Jersey | Monthly | $140 |
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.
| Insurance Company | Average 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.
| Car Insurance Company | Average 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.
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.
| City | Average 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.
| City | Average 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.
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:
