How much is car insurance in New Jersey?
Full-coverage car insurance in New Jersey averaged $1,693 a year in 2023 (NAIC)—18% above the $1,439 US average and 8th highest in the US—which works out to about $2,010 a year in New Jersey today (about $170 a month, brought to August 2026 with the federal price index). In New Jersey, the law asks for at least 35/70/25 liability, and New Jersey's 2023 liability-only average—the closest NAIC figure to a minimum policy—was $1,033 (about $1,220 today).
What people pay in New Jersey: 8th highest average in the US
Typical New Jersey full-coverage price today
about $2,010 a year in New Jersey (about $170 a month)
New Jersey's 2023 NAIC full-coverage average ($1,693) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your New Jersey rate depends on your car, driving history, and coverage limits.
That $1,693 2023 full-coverage figure makes New Jersey the 8th most expensive of the 50 states and DC (against $1,439 nationally), with 61% going to liability ($1,033, 6th highest in the US) and 39% covering physical damage to your own vehicle. Across all insured vehicles in New Jersey (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $1,573 (5th highest in the US, about $1,860 today)—only 7% ($120) below New Jersey's $1,693 full-coverage benchmark.
How New Jersey compares with Delaware, New York, and Pennsylvania
A typical policy in New Jersey ($1,693 in 2023) costs more than in Delaware and Pennsylvania and less than in New York. Among New Jersey's neighbors, Pennsylvania had the lowest 2023 average ($1,273, moving to New Jersey is about $560 more a year) and New York had the highest ($1,896, moving to New Jersey is about $270 less a year).
| State | 2023 average | Moving to New Jersey from there |
|---|---|---|
| New Jersey | $1,693 | Current state (New Jersey) |
| Delaware | $1,569 | About $170 more a year |
| New York | $1,896 | About $270 less a year |
| Pennsylvania | $1,273 | About $560 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Rhode Island ($1,710 in 2023, about $2,030 today), Texas ($1,727 in 2023, about $2,050 today), Colorado ($1,655 in 2023, about $1,960 today), and Georgia ($1,746 in 2023, about $2,070 today).
New Jersey: 35/70/25 minimums since 2026 and a choice on no-fault rules
- New Jersey liability (per person / per crash / property)
- $35,000 / $70,000 / $25,000
- Personal injury protection (PIP) in New Jersey
- Required
- Medical payments in New Jersey
- Not required
- No-fault system in New Jersey
- Your choice
- Uninsured motorist in New Jersey
- Required
- Underinsured motorist in New Jersey
- Required
Set by P.L.2022, c.87 (amending N.J.S.A. 39:6B-1, 17:28-1.1, 39:6A-3), New Jersey's 35/70/25 minimum pays up to $35,000 per person and $70,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in New Jersey, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
In New Jersey, drivers choose whether no-fault rules or traditional fault rules apply on their policy. Under no-fault in New Jersey, your own policy pays for your injuries first regardless of who caused the crash.
Liability-only coverage in New Jersey—the closest NAIC figure to what a New Jersey minimum policy costs—averaged $1,033 in 2023 (about $1,220 in New Jersey today), the 6th highest of the 50 states and DC. That makes liability 61% of New Jersey's full-coverage average ($1,693), while the remaining 39% goes toward collision and comprehensive coverage for your own car.
With a Standard Policy, New Jersey requires at least $35,000 per person and $70,000 per crash for injuries, $25,000 for property damage, at least $15,000 of PIP, and uninsured/underinsured motorist coverage. A cheaper Basic Policy is also legal: it carries $15,000 PIP and $5,000 property damage, with injury liability only as an optional $10,000, and it gives you much less protection.
No-fault is your choice here. We haven't confirmed which rules apply if you don't choose.
Good to know: New Jersey is a "choice" state. With a Standard Policy you pick the limited or unlimited right to sue for pain and suffering; the Basic Policy always has the limited right.
What we couldn’t confirm: We haven't confirmed from an official copy of the law which option applies if you don't choose, so that default is blank. The PIP minimum and the Basic Policy figures ($5,000 property damage, optional $10,000 injury liability) come from the state's 2026 buyer's guide; we didn't read the laws behind them.
- Personal injury protection
- Standard Policy: at least $15,000 per person/accident (up to $250,000 or more available); up to $250,000 for certain serious injuries regardless of the limit you choose. Basic Policy: $15,000 per person/accident.
- Uninsured and underinsured motorist
- A Standard Policy must include uninsured and underinsured motorist coverage at the injury minimums ($35,000/$70,000 from 2026), plus property damage coverage ($25,000 total, $500 deductible). You can buy more, up to your liability limits. A Basic Policy has none.
- History and recent checks
- P.L.2022, c.87 raised Standard minimums: 15/30 before 2023-01-01; 25/50/25 for policies issued or renewed 2023-01-01 to 2025-12-31; 35/70/25 for policies issued or renewed on or after 2026-01-01. Figures above are the current 2026 Standard Policy minimums.
- Checked
- September 22, 2026
- Sources
- P.L.2022, c.87 (amending N.J.S.A. 39:6B-1, 17:28-1.1, 39:6A-3)
$35,000 for plans issued or renewed on or after January 1, 2026 ... $70,000 for plans issued or renewed on or after January 1, 2026 ... $25,000 ... for damage to property
- N.J.S.A. 17:28-1.1 as amended by P.L.2022, c.87
Except for a basic automobile insurance policy, no motor vehicle liability policy ... shall be issued ... unless it includes coverage ... from the operator or owner of an uninsured motor vehicle, underinsured motor vehicle
- NJ DOBI, Auto Insurance New Jersey Buyer's Guide (2026)
Car insurance is required in New Jersey. ... PERSONAL INJURY PROTECTION As low as: $15,000 per person or accident ... A minimum amount of Uninsured/Underinsured Motorist Coverage is required.
- P.L.2022, c.87 (amending N.J.S.A. 39:6B-1, 17:28-1.1, 39:6A-3)
Adding a 16-year-old driver in New Jersey: about $1,320 more a year
Adding a 16-year-old to a New Jersey policy
about $1,320 more a year
About $110 a month (+66% over a typical New Jersey adult policy of $2,010), bringing the combined New Jersey family policy to roughly $2,500–$4,400 a year.
On a separate New Jersey policy of their own with the same car, a 16-year-old in New Jersey would pay about $5,760 a year (roughly $4,400–$8,200), so sharing a parent's New Jersey policy saves about $4,430 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to New Jersey's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in New Jersey
In New Jersey, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $1,180 more a year on a New Jersey policy, compared with about $1,990 more a year for the 2022 Tesla Model 3 in New Jersey.
| 2022 model | Added to a New Jersey policy | Own New Jersey policy |
|---|---|---|
| 2022 Subaru Forester | +$1,180 in New Jersey | $5,140 in New Jersey |
| 2022 Subaru Outback | +$1,190 in New Jersey | $5,150 in New Jersey |
| 2022 Subaru Crosstrek | +$1,190 in New Jersey | $5,170 in New Jersey |
| 2022 Honda CR-V | +$1,270 in New Jersey | $5,530 in New Jersey |
| 2022 Toyota RAV4 | +$1,290 in New Jersey | $5,620 in New Jersey |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in New Jersey
In New Jersey, a 45-year-old with full coverage pays from about $2,180 a year for a 2024 Subaru Impreza to about $2,850 for a 2024 Cadillac Escalade on these New Jersey sample models.
| Car | 45-year-old in New Jersey | Adding a teen in New Jersey |
|---|---|---|
| 2024 Acura Integra | about $2,710 a year | +$1,790 a year |
| 2024 Cadillac Escalade | about $2,850 a year | +$1,880 a year |
| 2024 Honda Civic | about $2,530 a year | +$1,670 a year |
| 2024 Toyota Corolla | about $2,440 a year | +$1,610 a year |
| 2024 Toyota Camry | about $2,460 a year | +$1,620 a year |
| 2024 Honda Accord | about $2,430 a year | +$1,610 a year |
| 2024 Mazda 3 | about $2,380 a year | +$1,570 a year |
| 2024 Subaru Impreza | about $2,180 a year | +$1,440 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in New Jersey
- How much is car insurance in New Jersey?
- In New Jersey, full-coverage car insurance averaged $1,693 a year in 2023 (the 8th most expensive of the 50 states and DC per NAIC), or about $2,010 a year ($170 a month) in New Jersey as of August 2026. New Jersey liability-only coverage averaged $1,033 in 2023 (61% of New Jersey's full-coverage figure, or about $1,220 today), and New Jersey drivers spent $1,573 per insured car across all policies.
- What are the minimum car insurance limits in New Jersey?
- Under P.L.2022, c.87 (amending N.J.S.A. 39:6B-1, 17:28-1.1, 39:6A-3), New Jersey requires 35/70/25 liability: $35,000 per person and $70,000 per crash for bodily injury, plus $25,000 for property damage. P.L.2022, c.87 raised Standard minimums: 15/30 before 2023-01-01; 25/50/25 for policies issued or renewed 2023-01-01 to 2025-12-31; 35/70/25 for policies issued or renewed on or after 2026-01-01. Figures above are the current 2026 Standard Policy minimums.
- How much does adding a 16-year-old teen driver cost in New Jersey?
- Adding a 16-year-old to a parent's full-coverage policy in New Jersey adds about $1,320 more a year ($110 a month), bringing the New Jersey household policy to roughly $2,500–$4,400 a year versus about $5,760 a year (roughly $4,400–$8,200) on a standalone New Jersey teen policy.
- Is New Jersey a no-fault car insurance state?
- In New Jersey, you choose between no-fault rules and traditional fault rules when you buy or renew a New Jersey policy. Standard Policy: at least $15,000 per person/accident (up to $250,000 or more available); up to $250,000 for certain serious injuries regardless of the limit you choose. Basic Policy: $15,000 per person/accident.
- How does New Jersey's car insurance cost compare with Delaware?
- New Jersey averaged $1,693 for full coverage in 2023 (NAIC) against $1,569 in Delaware (8% more than Delaware), and moving a sample policy from Delaware to New Jersey today is about $170 more a year. Other bordering states averaged $1,896 in New York and $1,273 in Pennsylvania in 2023.
Sources for New Jersey
- New Jersey average premiums ($1,693 full coverage, $1,033 liability-only, $1,573 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- New Jersey minimum coverage statutes (P.L.2022, c.87 (amending N.J.S.A. 39:6B-1, 17:28-1.1, 39:6A-3); N.J.S.A. 17:28-1.1 as amended by P.L.2022, c.87; NJ DOBI, Auto Insurance New Jersey Buyer's Guide (2026)), checked September 22, 2026. Page updated for New Jersey. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.