New JerseyNJ
Auto insurance regulation, rate filings, and editorial coverage for New Jersey. AutoInsureWire summarizes reporting from primary publishers and links outbound to original sources.
Latest from New Jersey
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Coverage requirements, decoded
| Coverage type | New Jersey requires | Recommended |
|---|---|---|
| Bodily injury liability | 35/70 | 100/300 |
| Property damage liability | 25 | 100 |
| Uninsured motorist | 35/70 | Match liability |
| PIP / Med-pay | $15,000 | $10,000+ |
| No-fault | Yes | — |
What you'd pay, roughly
Quick directional estimate using public NAIC base rates and standard underwriting multipliers. Real quotes will vary — call for binding numbers.
Estimator is informational only. Multipliers are public-rate-filing approximations. Actual quotes depend on full underwriting.
New Jersey premium data, decoded
3 tables · NAIC + DOI verifiedStatewide averages mask 4–5x variation by ZIP, age, and carrier appetite. Use these tables to benchmark your own quotes — if you're paying more than the column for your bracket, shop.
Average annual premium by driver age
New Jersey · single driver · clean record · 2018+ sedan · ZIP-weighted state average
| Age band | Full coverage | State minimum |
|---|---|---|
| 16–19 | $6,420 | $2,380 |
| 20–24 | $4,180 | $1,490 |
| 25–34 | $3,010 | $1,080 |
| 35–54 | $2,580 | $920 |
| 55–64 | $2,410 | $845 |
| 65+ | $2,540 | $880 |
Average annual premium by city
New Jersey · top 5 metros · full-coverage average · 35-yr-old single driver, clean record
| City | Full coverage | vs. state avg |
|---|---|---|
| Newark | $4,210 | +41% |
| Jersey City | $3,890 | +30% |
| Paterson | $3,640 | +22% |
| Trenton | $3,120 | +4% |
| Princeton | $2,280 | −24% |
Top carriers by New Jersey market share
Direct premiums written · personal auto · % of state market
Cheapest carriers in New Jersey
Clean-record · 35yo · full coverageAverages for a 35-year-old single driver, clean record, 2020+ sedan, 100/300/100 limits. Source: NAIC + carrier rate filings, verified May 9, 2026. Your quote will vary.
Frequently asked, answered locally.
State minimums are a legal floor, not a recommendation. Most consumer advocates suggest 100/300/100 for any driver with savings, home equity, or future earnings to protect. Compare quotes annually — the price gap between best and worst quote in New Jersey routinely exceeds $700 a year.
Talk to a New Jersey agent · (844) 833-2056 →