Average car insurance cost in New Jersey
#6 most expensive state
$256/mo
Full coverage, monthly median
$3,072/year
$182/mo
Liability-only, monthly median
$2,184/year
37% above
vs. national average
US avg: $187/mo full coverage
These are estimates, not quotes. Figures are 2026 monthly
medians from Insurify's analysis of 250M+ real quotes (drivers 20–70,
clean records, average-or-better credit; data through July 2026). Your actual
rate depends on your age, driving record, credit, vehicle, coverage limits,
and ZIP code. Different studies use different driver profiles, so averages
vary by source — treat these as a rough benchmark, then
see what real people pay.
What New Jersey drivers pay on average
| Coverage level | Monthly (median) | Yearly |
|---|---|---|
| Full coverage | $256 | $3,072 |
| Liability-only | $182 | $2,184 |
| US average, full coverage | $187 | $2,244 |
Why rates differ by state
The same driver can pay double in one state versus another. The biggest state-level drivers are uninsured-motorist rates, accident and litigation costs, severe-weather claims, state insurance regulations, and local repair costs. Within New Jersey, your ZIP code, driving record, and credit-based insurance score move your personal rate far more than the state median.
Paying well above $256/month for full coverage in New Jersey with a clean record? The crowd would probably call that overpaying — compare real quotes.
Recent quotes from New Jersey
- $134.75/mo NJM auto Sample quote — Great deal view & vote →