New Jersey Auto Insurance Calculator 2026
Estimate your auto insurance premium in New Jersey (NJ). New Jersey rates are 28% above the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
Fill in your details to see your estimated auto insurance premium
New Jersey Auto Insurance Overview
New Jersey drivers pay approximately 28% more than the national average for auto insurance. The state premium factor is 1.28x relative to the national baseline.
New Jersey Minimum Coverage Requirements
New Jersey requires minimum liability coverage of 15/30/5 ($15,000/$30,000 bodily injury, $5,000 property damage).
New Jersey requires Personal Injury Protection (PIP) with a minimum of $15,000.
New Jersey requires uninsured/underinsured motorist (UM/UIM) coverage.
Note: Choice no-fault state; PIP and UM required; basic or standard policy options
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