New Jersey Car Insurance Calculator
Calculate your auto insurance cost in New Jersey. Compare with state averages and find savings.
$1,876
Avg Annual Premium
15/30/5
Min Liability
Monthly Avg
$156
Full Coverage
$2,456
Min Coverage
$634
Uninsured Rate
13.1%
New Jersey Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$15,000
Bodily Injury (per accident)$30,000
Property Damage$5,000
Additional Requirements
PIP RequiredYes ($15,000 min)
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in New Jersey
Highest population densityNo-fault stateUrban driving
Major Metro Areas in New Jersey
NewarkJersey CityPatersonElizabethEdison
FAQ
New Jersey Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in New Jersey
The average annual car insurance premium in New Jersey is $1,876, or about $156 per month. Full coverage averages $2,456 annually, while minimum coverage averages $634. Your actual rate depends on your age, driving record, vehicle, and coverage level.
New Jersey requires minimum liability coverage of 15/30/5 ($15,000/$30,000 for bodily injury and $5,000 for property damage). New Jersey also requires Personal Injury Protection (PIP) with a minimum of $15,000. Uninsured motorist coverage is also required.
Key factors affecting New Jersey car insurance rates include: Highest population density, No-fault state, Urban driving. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 13.1% of drivers in New Jersey are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your New Jersey car insurance: 1) Compare quotes from multiple insurers like GEICO, State Farm, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in New Jersey include: GEICO, State Farm, Progressive, Allstate, NJM Insurance. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
NJ Insurance Costs
Average premiums in New Jersey:
- Annual Average$1,876
- Monthly Average$156
- Full Coverage$2,456
- Minimum Coverage$634
NJ Requirements
Minimum coverage required:
- Liability15/30/5
- PIP RequiredYes
- UM RequiredYes
- Uninsured Rate13.1%
Top NJ Insurers
Popular insurance companies:
- •GEICO
- •State Farm
- •Progressive
- •Allstate
- •NJM Insurance