Average insurance rates across 204 cities in New Jersey
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Trenton | 362,179 | $1,968 | $2,794 | $551/mo | $23/mo |
| Newark | 311,549 | $1,968 | $2,794 | $551/mo | $23/mo |
| Jersey City | 292,449 | $2,046 | $2,904 | $555/mo | $24/mo |
| Paterson | 159,732 | $1,922 | $2,728 | $549/mo | $22/mo |
| Elizabeth | 137,298 | $1,938 | $2,750 | $550/mo | $22/mo |
| Clifton | 89,451 | $1,968 | $2,794 | $551/mo | $23/mo |
| Vineland | 86,042 | $1,968 | $2,794 | $551/mo | $23/mo |
| Camden | 71,799 | $1,968 | $2,794 | $551/mo | $23/mo |
| Bayonne | 70,497 | $1,968 | $2,794 | $551/mo | $23/mo |
| Passaic | 70,048 | $1,968 | $2,794 | $551/mo | $23/mo |
| East Orange | 68,879 | $1,968 | $2,794 | $551/mo | $23/mo |
| Union City | 67,258 | $1,968 | $2,794 | $551/mo | $23/mo |
| Hoboken | 58,754 | $1,968 | $2,794 | $551/mo | $23/mo |
| New Brunswick | 55,718 | $1,968 | $2,794 | $551/mo | $23/mo |
| Perth Amboy | 55,226 | $1,968 | $2,794 | $551/mo | $23/mo |
New Jersey residents pay an average of $1,550 per year for home insurance and $2,200 for auto insurance. As a no-fault state, New Jersey requires Personal Injury Protection (PIP) in addition to standard liability coverage. The minimum auto liability coverage required is 15/30/5.
Health insurance in New Jersey averages $530 per month for an individual Silver marketplace plan. The weather risk level is medium, with significant exposure to hurricanes. Top insurance providers in New Jersey include State Farm, NJM Insurance, Geico.
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Policygenius The ZebraThe average home insurance cost in New Jersey is $1,550 per year. Rates range from $950 to $2,300 depending on home value, location, and coverage level.
Auto insurance in New Jersey averages $2,200 per year for full coverage. The state minimum coverage is 15/30/5. As a no-fault state, PIP coverage is also required.
Yes, New Jersey has above-average insurance costs, with home insurance at $1,550/yr and auto at $2,200/yr compared to national averages of $2,300 and $1,800 respectively.
New Jersey requires minimum liability coverage of 15/30/5 (bodily injury per person / per accident / property damage in thousands). It is a no-fault state requiring PIP coverage.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.