Average car insurance cost in New Jersey (2026)
Drivers in New Jersey pay an average of $257 a month for full coverage and $181 a month for liability only.
Full coverage / month
$257
Liability only / month
$181
Full coverage / year
$3,084
Liability only / year
$2,172
Cost rank
#6 of 51
1 = most expensive. Liability-only rank: #2.
Averages are a starting point. Estimate your cost in New Jersey
How New Jersey compares
The full-coverage average of $257 is 48% above the average across states ($174), and the liability-only average of $181 is 85% above the average across states ($98). New Jersey is one of the 10 most expensive places in our table. That is $44 a month below Maryland, the highest, and $172 above New Hampshire, the lowest.
Full coverage vs liability only in New Jersey
Full coverage costs $76 more per month than liability only in New Jersey, or $912 more per year. That gap is narrower than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to New Jersey by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| South Carolina | $255 | $159 | -$2 |
| Georgia | $259 | $157 | +$2 |
| Nevada | $261 | $165 | +$4 |
| Delaware | $263 | $167 | +$6 |
| Florida | $235 | $143 | -$22 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the New Jersey averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $257 | $181 |
| Same driver, age 20-24 | $373 | $262 |
| Same driver, one ticket | $314 | $221 |
| Same driver, one at-fault accident | $365 | $257 |
| Same driver, sports car | $334 | $235 |
Frequently asked questions
How much does car insurance cost in New Jersey?
The average in New Jersey is $257 a month ($3,084 a year) for full coverage and $181 a month ($2,172 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in New Jersey expensive compared with other states?
New Jersey ranks 6th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 48% above the average across states of $174 a month.
How much more does full coverage cost than liability only in New Jersey?
On average, full coverage costs $76 more per month in New Jersey, or $912 more per year. That is 42% more than the liability-only average.
How much could an at-fault accident change an estimate in New Jersey?
With our illustrative 1.42 factor, a baseline full-coverage estimate in New Jersey rises from $257 to about $365 a month, or about $108 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.