Car Insurance Comparison: Texas vs. New Jersey

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

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By Kristine Lee

Updated June 21, 2025

Edited By Ross Martin

Comparing auto insurance in Texas and 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:

Insurance cost comparison
Rates by coverage level
Cheap companies by state
Rates in major cities
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

State	Average 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

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.

CAR INSURANCE RATES — FULL COVERAGE IN TEXAS vs. NEW JERSEY

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

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 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.

CHEAP CAR INSURANCE COMPANIES IN NEW JERSEY

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.

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

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.

CAR INSURANCE PRICES BY CITY IN NEW JERSEY

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.

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:

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.