New Jersey car insurance calculator

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If you’re driving in New Jersey, it’s important to know how crucial it is to have car insurance that meets the state’s minimum requirements. But finding the right coverage that also fits your budget can be a bit tricky. That’s where our New Jersey car insurance calculator comes in handy.

Use our car insurance calculator to figure out how much you might pay each year and month for auto insurance in New Jersey. Just enter your car’s make and model, and it’ll help you make smart choices about your coverage.

New Jersey car insurance calculator

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*It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

How much is vehicle model important in calculating car insurance in New Jersey

In New Jersey, the make and model of a vehicle can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For instance, the car insurance rate for a 2022 Acura ILX 2.4L is $1,999 a year for a full coverage policy, whereas average insurance premiums in New Jersey for a Toyota 4Runner Limited is $2,001 annually – that’s $2 more compared to Acura ILX 2.4L.

How insurers calculate car insurance in New Jersey using car model year

In New Jersey and lots of other places, how old your car is can change how much you pay for insurance. For example, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $921 a year for insurance. But if it’s a 2022 Chevrolet Blazer 2LT, the yearly insurance rate could be $1,938.

Does the cost of car insurance in New Jersey decrease as a vehicle gets older?

In general, car insurance costs decrease for older car models in New Jersey. As a vehicle ages, it typically loses value due to depreciation. Since car insurance covers the cost of repair or replacement of a vehicle, the insurance company’s liability decreases when insuring an older vehicle. This results in lower New Jersey car insurance premiums.

Individuals driving a 2020 Honda Accord LX in New Jersey pay $133 monthly for a full coverage car insurance policy; conversely, car insurance for the 2022 Honda Accord LX costs every month in New Jersey is $169 which is $36 more than the 2020 model.

Older vehicles may be less attractive to thieves than newer models with advanced security features. The lower risk of theft can also lead to lower insurance premiums.

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in New Jersey by city

Car insurance cost estimate in New Jersey

The typical cost for car insurance in New Jersey is around $1,901 annually or $158 per month. However, your actual premium might differ depending on the coverage you select. Here’s an estimate of car insurance expenses in New Jersey for various coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$1,120	$1,901	$993	$989

The bottom line: New Jersey car insurance calculator

The car insurance calculator for New Jersey figures out your rates using things like where you are and the year, make, and model of your vehicle. Just put in your details, and the calculator gives you an idea of what you might pay. Keep in mind that rates can differ, so it’s smart to get quotes from a few different insurance companies to find the best deal for what you need.