Car Insurance in New Jersey (2026)
New Jersey drivers pay an average of $2,651 per year for full-coverage car insurance. The state requires minimum liability coverage of 15/30/5 (bodily injury per person/per accident/property damage in thousands). Key factors affecting rates in New Jersey include highest population density in us and no-fault state. Comparing quotes from multiple carriers is the best way to find affordable coverage in New Jersey, as rates can vary significantly between providers for the same driver profile and coverage level.
$2,651
$221/mo
15/30/5
BI per person/accident/PD
+15%
Above average
GEICO
Most popular in state
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Top Car Insurance Companies in New Jersey
New Jersey Minimum Coverage Requirements
New Jersey requires 15/30/5 liability plus $15,000 PIP. Offers Basic vs Standard policy options.
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in New Jersey
New Jersey Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the New Jersey Department of Insurance and get personalized quotes from carriers.