🏠 Home insurance cost in New Jersey (2026)
The estimated average is $1,495 per year — below the national average (-35% vs. the U.S. average of $2,300).
New Jersey is home to about 9.3 million people, and home insurance here runs below 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 home insurance in New Jersey
New Jersey home insurance estimator
Starts from the New Jersey average. Estimate only — get quotes to confirm.
Home insurance cost in New Jersey cities
| City | Population | Est. home insurance |
|---|---|---|
| Newark | 305,344 | $1,555 |
| Jersey City | 291,657 | $1,555 |
| Paterson | 156,452 | $1,495 |
| Elizabeth | 137,298 | $1,495 |
| Trenton | 90,457 | $1,435 |
New Jersey home insurance FAQ
How much is home insurance in New Jersey?
The estimated average home insurance in New Jersey is $1,495 per year, which is below the national average (-35% vs. the U.S. average of $2,300). New Jersey ranks 41 of 51 states from most to least expensive.
Why is home insurance cheaper in New Jersey?
Home 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 home 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.