Here are essential tips to help you confidently shop for car insurance and save money in the Garden State.
Car Insurance Calculator New Jersey
Updated: May 21, 2025
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Get New Jersey Car Insurance Estimates
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$155
High
$114
Average
$64
Low
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in New Jersey will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in New Jersey can range anywhere from $1,109 to $6,201 per year depending on a variety of factors.
To get the best deal on New Jersey car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate New Jersey Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage level before shopping to prevent being pushed into unnecessary higher coverage. Consider your location, driving habits, vehicle, and financial status when choosing costs. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Look into average car insurance costs in New Jersey for your chosen coverage level and driver profile to understand your savings when comparing quotes. Also, search for potential auto insurance discounts to discuss with agents for personalized savings.
Research the Cheapest Providers for You
With your coverage level and cost research, start obtaining provider estimates before quotes. This helps identify where to begin comparing quotes and who likely offers the cheapest car insurance in the state for you. Use our car insurance calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers can lead to significant savings in state. Research shows savings up to 54% on full coverage and 57% on minimum coverage. Use various avenues like comparison sites, independent brokers, insurers' websites, and direct agencies as prices vary for the same coverage.
Take Advantage of State-Specific Programs
If you're a high-risk driver, New Jersey provides driver programs that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for drivers who drive less. Telematics insurance tracks driving habits and offers discounts up to 40% for good driving. Automakers' insurance programs may save money compared to traditional options with more benefits.
What Affects Your New Jersey Car Insurance Estimates?
Overall, your car insurance premium in New Jersey is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. You can click the links below to learn more about how each affects rates particular to New Jersey drivers:
How Much Does Provider Chosen Affect New Jersey Car Insurance Estimates?
The provider you choose is the most influential factor affecting the car insurance estimates and quotes in New Jersey. Depending on the provider, your rates can drop 38% or increase by as much as 77% compared to the average for New Jersey drivers.
| Lowest | NJM | $100 | $1,204 |
| Highest | Hanover | $287 | $3,439 |
How Much Does Age Affect New Jersey Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for New Jersey drivers. Depending on your age, your rates can go up as much as 113% or decrease by as much as 44% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 24 | $151 | $1,815 |
| Highest | 16 | $517 | $6,201 |
How Much Does Credit Affect New Jersey Car Insurance Estimates?
We found that compared to other factors, credit scores are the third most impactful when insurance companies are determining rates. Depending on your credit, we found that in New Jersey, rates can vary from $110 to $248 monthly for full coverage, but as your credit score goes up, your rates will go down.
| Lowest | Excellent | $110 | $1,324 |
| Highest | Poor | $248 | $2,974 |
How Much Does Coverage Affect New Jersey Car Insurance Estimates?
Your coverage level is the next most impactful factor for determining car insurance rates in the Garden State. Depending on the level chosen, rates can vary from $1,109 for minimum coverage to $2,165 for full coverage annually. As your coverage level increases for liability auto insurance, or as you increase your deductible for collision and comprehensive coverage, your prices will increase.
| Lowest | State Minimum Liability Only | $92 | $1,109 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $180 | $2,165 |
How Much Does Driving Record Affect New Jersey Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in New Jersey with rates changing up to 33%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $162 | $1,943 |
| Highest | DUI - BAC >= .08 | $292 | $3,502 |
New Jersey Car Insurance Calculator: Bottom Line
We recommend checking out different costs, coverage options and insurance companies first. Then, use our car insurance calculator for estimates. After that, gather lots of quotes and compare them to our estimates. Match them up to find the most affordable plan that fits just right for you.
New Jersey Car Insurance Estimate: FAQ
Below you will find answers to common questions about New Jersey car insurance costs and estimates.
What is used to determine New Jersey car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is New Jersey car insurance on average?
In New Jersey, the average car insurance cost is around $1,757 annually. Depending on your unique profile and coverage chosen, car insurance in New Jersey can range anywhere from $77 per month to up to $350 monthly on average.
How do I get the best car insurance in New Jersey?
To secure the best car insurance in New Jersey, determine your appropriate coverage level, compare insurers and utilize tools like a car insurance calculator for optimal rates.
Our New Jersey Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.