New Jersey isn't in Insurify's current free data set, so this average is a representative estimate (not sourced). See
methodology.
The one thing that sets New Jersey apart
Choice no-fault; 'basic' vs 'standard' policy choice swings cost widely.
Minimum vs. full coverage in New Jersey
What each coverage level costs on the New Jersey average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $900 | $75 |
| Liability Only | $1,130 | $94 |
| Full | $2,050 | $171 |
| Full Low Deductible | $2,500 | $208 |
Minimum coverage saves about $1,150/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
New Jersey car insurance FAQ
- What's the minimum car insurance required in New Jersey?
- New Jersey's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $900/yr but leaves you exposed above those caps.
- How much is full coverage in New Jersey?
- Representative full coverage averages $2,050/yr (about $171/mo), ranking New Jersey #30 of 51 states for cost.
- Why is New Jersey car insurance priced the way it is?
- Choice no-fault; 'basic' vs 'standard' policy choice swings cost widely.