Cheap Car Insurance in New Jersey
New Jersey drivers pay an average of $1,925/year for auto insurance — $136 above the national average. Compare quotes and save.
How New Jersey stacks up
At $1,925 per year for full coverage, New Jersey drivers pay 8% more than the national average of $1,789. No-fault state with choice of basic or standard policy. Population density drives high collision rates.
Premiums vary widely within New Jersey based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in New Jersey
Bodily injury liability
25/50 (in $thousands)
Property damage liability
$25,000
No-fault / PIP required
Yes
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your New Jersey car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- No-fault state with choice of basic or standard policy. Population density drives high collision rates.
New Jersey insurance FAQ
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