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New Jersey car insurance rates and key takeaways

How much is car insurance in NJ?
Full coverage car insurance costs an average of $249 per month in New Jersey. The average cost of minimum coverage insurance is $137 per month.
What's the cheapest full coverage car insurance in NJ?
Geico ($141/mo), NJM ($168/mo), Plymouth Rock ($178/mo)
Why is car insurance so expensive in New Jersey?
Many parts of NJ are densely populated, which typically leads to more accidents and car thefts.
What's the cheapest minimum coverage car insurance in NJ?
Geico ($66/mo), Plymouth Rock ($85/mo), NJM ($92/mo)

Code used to highlight a single number

Dwelling coverage
$350,000
Personal Liability Coverage
$100,000
Medical Payments
$5,000
Deductible
$1,000

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Methodology-callout code

How much is car insurance in NJ? Full coverage car insurance costs an average of $249 per month in New Jersey. The average cost of minimum coverage insurance is $137 per month.
What's the cheapest full coverage car insurance in NJ? Geico ($141/mo), NJM ($168/mo), Plymouth Rock ($178/mo)
Why is car insurance so expensive in New Jersey? Many parts of NJ are densely populated, which typically leads to more accidents and car thefts.
What's the cheapest minimum coverage car insurance in NJ? Geico ($66/mo), Plymouth Rock ($85/mo), NJM ($92/mo)


Methodology-callout code in a two column (bold heading, supporting paragraph text, and a hyperlink)

How much is car insurance in NJ?

Full coverage car insurance an average of $249 per month in New Jersey. The average cost of minimum coverage insurance is $137 per month.

What's the cheapest full coverage car insurance in NJ? Geico ($141/mo), NJM ($168/mo), Plymouth Rock ($178/mo)
Why is car insurance so expensive in New Jersey? Many parts of NJ are densely populated, which typically leads to more accidents and car thefts.
What's the cheapest minimum coverage car insurance in NJ? Geico ($66/mo), Plymouth Rock ($85/mo), NJM ($92/mo)


Notes on methodology-callout

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  • Doesn't support line breaks
  • On desktop, box height isn't standardized.
  • On mobile, there's an extra space in the middle because of the column padding.
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About the Author

Stephanie Guinan

Analyst

Stephanie Guinan is an Analyst for ValuePenguin/LendingTree. She specializes in simplifying complex insurance topics for consumers.


She’s also worked as an award-winning data journalist and content marketing writer. Stephanie’s work has been cited by Wall Street Journal, New York Times, Rolling Stone and more.

Expertise

  • Health insurance and Medicare
  • Home and auto insurance
  • Crunching numbers

Referenced by

  • Wall Street Journal
  • New York Times
  • Rolling Stone

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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