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Average cost of car insurance in New Jersey for 2025

How much is car insurance in New Jersey?

The average car insurance cost in New Jersey is $3,254 annually for full coverage and $1,413 for minimum coverage, which is 21 percent more than the national average for full coverage and 72 percent more for minimum coverage. Since insurance is highly individualized, several factors affect how much you pay for coverage. Shopping around, evaluating your coverage selections and maintaining a clean driving record could help you save on auto insurance.

Key takeaways

  • The average monthly car insurance cost in New Jersey is approximately $271 for full coverage and $118 for minimum coverage.
  • New Jersey drivers with a DUI conviction pay average rates that are 89 percent more compared to drivers with a clean driving record.
  • Having poor credit causes average New Jersey car insurance rates to be 116 percent more, while drivers with excellent credit pay an average of 25 percent less
  • In New Jersey, 18-year-old males on their own policy face steep insurance costs, with full coverage averaging $8,464 annually.

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New Jersey car insurance rates by city

Even within a state, auto insurance premiums can vary. average rates, which could be higher or lower than the state average. This may be due to several factors, including the likelihood of accidents, crime rates, local weather patterns, the cost of vehicle repairs and the price of healthcare services in your area. The following table shows the average annual full coverage premium for 10 of New Jersey's largest cities and how those premiums compare to the state average.

City Avg. annual full coverage premium Avg. savings vs. state average