Insurance in New Jersey

In 2023, the average New Jersey driver spent $1,573 per insured vehicle on liability, collision and comprehensive coverage (NAIC Auto Insurance Database Report, 2023 data). Your actual rate depends on your age, driving record, vehicle, location within New Jersey, and coverage levels.

Compare quotes from multiple carriers using Truvo — it's free and takes 2 minutes. Bundling car and home insurance often saves up to 25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.

Key factors include your ZIP code within New Jersey, driving record, age, credit score, vehicle and home details, coverage level, and claims history. New Jersey is a no-fault state. Coastal home insurance costs are elevated due to hurricane and flood risk.