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Car Insurance in New Jersey: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
New Jersey drivers pay about $3,265 a year for full coverage — roughly 21% above the national average — and the state raised its liability minimum to 35/70/25 effective January 2026. New Jersey is a choice no-fault state that requires PIP. Here's the coverage you must carry, what residents pay, and how to find a cheaper rate.
Avg. full coverage
$3,265/yr
≈21% above U.S. avg.
Avg. minimum coverage
$1,413/yr
≈68% above U.S. avg.
State minimum
35/70/25
Raised from 25/50/25 (Jan 2026)
Fault system
Choice no-fault
PIP unless you opt out
vs. U.S. average
+21%
Pricier than most states
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Minimum coverage required in New Jersey
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $35k / $70k | Raised from 25/50 in Jan 2026 |
| Property damage liability | $25k | Required |
| Personal injury protection | $15,000 | Required — NJ is a choice no-fault state |
| Uninsured / underinsured motorist | $35k / $70k | Required in New Jersey |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average New Jersey premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $3,265/yr | 21% above U.S. | Comp + collision included |
| Minimum coverage | $1,413/yr | 68% above U.S. | Priced before the 2026 limit increase |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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New Jersey estimated rates by driver profile (2026)
Estimates anchor each profile to New Jersey's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$3,265/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$4,669/yr | +43% | 3,265 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$4,049/yr | +24% | 3,265 × 1.24 (Bankrate avg) |
| DUI on record | ~$6,138/yr | +88% | 3,265 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$6,530/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$5,551/yr | +70% | 3,265 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
New Jersey: what helps and what hurts your rate
In your favor
- ✓Higher 35/70/25 minimum (2026) plus required UM/UIM and PIP is highly protective
- ✓Choice of tort options lets drivers tailor cost vs. lawsuit rights
- ✓Large, competitive market with many carriers
- ✓Required PIP covers medical costs quickly after a crash
Works against you
- ✗Full-coverage premiums average about 21% above the national average
- ✗Minimum-coverage cost is among the highest in the country (~$1,413/yr)
- ✗Dense traffic and high repair costs raise claims
- ✗Credit history is a permitted rating factor
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A closer look at car insurance in New Jersey
New Jersey's minimum is unusually protective — and unusually expensive — because it bundles higher liability limits (raised in 2026), required UM/UIM, and PIP. The choice-no-fault structure means your tort selection affects both cost and your ability to sue, so it's worth understanding before buying. Because credit and ZIP code drive wide swings between carriers in this dense market, comparison shopping is the most effective way to offset the high baseline.
Bottom line
New Jersey sits well above the national average, with a highly protective (and pricey) minimum after the 2026 limit increase. Comparing carriers, choosing the right tort option, and keeping credit healthy are the best ways to bring a New Jersey premium down.
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Frequently asked questions about New Jersey car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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