Car Insurance Quotes in New Jersey


New Jersey isn't a cheap state to live in, and neither are insurance costs. The average insurance price is of almost $2,000 ($1,981.97, to be more precise), while the average Liability in the rest of the country costs only $1,671.16.

Insurance quotes in New Jersey vary from a little over $1,100 to more than $3,000. As a rule, insurance costs more in large cities than in small towns and villages because it's a game of supply and demand. The big money is in the metropolitan areas, so everything will cost more than in a town where a majority of residents earn minimum wage.

Keep in mind that these are average figures. Just because you live in Jersey City where the average Liability coverage costs $2,579.57 a year it doesn't mean you will pay the exact same price – sometimes not even close to it. If you have a spotless driving record, have been with the same company for many years, have multi-car discounts and safe driving courses you might pay something in the range of $2,000 or maybe less. On the other hand, if you have had a conviction for driving under the influence or driving without insurance you may end up paying more than $10,000 a year.

In no particular order, here are some of the main factors that influence the car insurance premiums in New Jersey.

  • Your age. Teenage drivers typically pay 50% to 75% more than the average adults are billed. Teenagers are regarded as huge risks in traffic – statistics show that sixteen year old male drivers have the highest crash rates among all age groups. Similarly, elderly people will be billed 25% to 50% more than an average forty year old driver.
  • Your gender. Women drivers pay a bit less than men. Leaving sexist jokes aside, women are known to be more cautious in traffic than men, drive less aggressively and – again, on average – drive fewer miles a year than men.
  • Your marital status. Statistics show that married drivers, be they men or women, cause fewer accidents than single ones. Therefore, single drivers are charged a couple percents more.
  • Type of vehicle. Underwriters take into account factors like acquisition price, current market value, top speed and 0-60mph speed. The more expensive the car is and the more horsepower it has under the hood, the more it will cost to be insured. Insurance for sports cars will, therefore, cost more than the coverage for a family van even if they are in the same price range.
  • Safety and anti-theft classifications. Depending on the factory safety and anti-theft features, as well as after-buy additions, the underwriter will put your car in a certain insurance group and bill you accordingly. Airbags, ABS, ignition cut-off systems, alarms or GPS tracking devices can lower the premium consistently.

Popular Articles