Estimates only. Not insurance advice. Get a real quote before you buy.
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2025-2026 Law Change in New Jersey

New Jersey raised minimum liability limits from 15/30/5 to 35/70/25, effective January 1 2026 (NJSA 39:6B-1 amendment). Full details →

Updated April 2026 | Rank #44 of 51

Car Insurance Cost Per Month in New Jersey 2026

Full coverage avg

$252/mo

Minimum coverage avg

$75/mo

State minimum reqs

35/70/25
No-fault / PIP

New Jersey's Jan 2026 minimum limit increase and PIP no-fault system place it among the most expensive states. Dense urban corridor and high litigation history. Adjust age and vehicle below to see your estimated monthly cost.

New Jersey

in New Jersey with a Sedan

$252/month

Full coverage estimate (100/300/100 + collision + comp). +$44 above national avg

State Min$144/mo35/70/25
Standard$187/mo50/100/50
Full Coverage$252/mo100/300/100

Source: NerdWallet 2026, ValuePenguin 2026, Bankrate 2026

How we calculate this
Get a real quote →New Jerseydetail page →

Average Monthly Cost by Age in New Jersey 2026

AgeMin CoverageFull Coverage (Sedan)Details
16$490$857Age 16page →
17$446$781Age 17page →
18$389$680Age 18page →
19$331$580Age 19page →
25$144$252Age 25page →
35$122$214Age 35page →
45$125$219Age 45page →
65$137$239Age 65page →

Average Monthly Cost by Vehicle Type in New Jersey

Sedan
$214
/month
SUV
$169
/month
Pickup Truck
$225
/month
Sports Car
$332
/month
Electric Vehicle
$278
/month

Top 3 Carriers in New Jersey by Market Share (NAIC Q1 2026)

1
GEICO
By direct written premium
2
State Farm
By direct written premium
3
New Jersey Manufacturers
By direct written premium

Market share data is from NAIC Q1 2026 public filings. Market share does not equal cheapest rate for your profile.

Nearby States by Cost Rank

Michigan
Rank #43
$246/mo
Washington D.C.
Rank #47
$265/mo
Rhode Island
Rank #41
$236/mo

New Jersey Car Insurance FAQs

What is the average car insurance cost per month in New Jersey?⌄
The average car insurance cost in New Jersey is $252 per month for full coverage (100/300/100 plus collision and comprehensive) as of 2026, per cross-referenced data from NerdWallet, Bankrate, and ValuePenguin. Minimum-coverage-only policies average $75 per month. New Jersey ranks #44 of 51 jurisdictions by cost (1 = cheapest, 51 = most expensive).
What is the minimum car insurance required in New Jersey?⌄
New Jersey requires minimum liability coverage of 35/70/25. New Jersey is a no-fault state requiring Personal Injury Protection (PIP) in addition to liability. See the law changes section below for recent updates to minimum limits.
Who has the cheapest car insurance in New Jersey?⌄
The top three carriers by market share in New Jersey are GEICO, State Farm, New Jersey Manufacturers, per NAIC Q1 2026 market filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does New Jersey have no-fault insurance?⌄
Yes. New Jersey is a no-fault state, requiring drivers to carry Personal Injury Protection (PIP) coverage. Under no-fault, each driver's own insurance pays their own medical bills after an accident, regardless of fault. New Jersey's minimum PIP requirement is part of the 35/70/25 minimum package.
Why is car insurance so expensive in New Jersey?⌄
New Jersey's Jan 2026 minimum limit increase and PIP no-fault system place it among the most expensive states. Dense urban corridor and high litigation history.
Is my credit score used for car insurance in New Jersey?⌄
Yes, in most cases. New Jersey allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.
Cost of Living in New Jersey→Compare New Jerseycarrier quotes →