🚗 Car insurance cost in New Jersey (2026)
The estimated average is $2,580 per year — above the national average (+20% vs. the U.S. average of $2,150).
New Jersey is home to about 9.3 million people, and car insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Newark typically differ from smaller towns.
Estimate your car insurance in New Jersey
New Jersey car insurance estimator
Starts from the New Jersey average. Estimate only — get quotes to confirm.
Car insurance cost in New Jersey cities
| City | Population | Est. car insurance |
|---|---|---|
| Newark | 305,344 | $2,683 |
| Jersey City | 291,657 | $2,683 |
| Paterson | 156,452 | $2,580 |
| Elizabeth | 137,298 | $2,580 |
| Trenton | 90,457 | $2,477 |
New Jersey car insurance FAQ
How much is car insurance in New Jersey?
The estimated average car insurance in New Jersey is $2,580 per year, which is above the national average (+20% vs. the U.S. average of $2,150). New Jersey ranks 11 of 51 states from most to least expensive.
Why is car insurance expensive in New Jersey?
Car insurance pricing in New Jersey reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on car insurance in New Jersey?
Compare at least three quotes from insurers active in New Jersey, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.