New Jersey Auto Insurance Rates
Median premium: $1,468/6mo across 10 carriers and 723 ZIP codes.
Premiums range from $1,085 to $2,543 — a 2.3x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$1,468
per 6 months
ZIP Codes
723
with rate data
Carriers
10
rated in NJ
Price Spread
2.3x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Farmers | $532 | 723 ZIPs | 100% | |
| 2 | USAA | $635 | 0 ZIPs | 0% | |
| 3 | NJM Insurance | $1,058 | 0 ZIPs | 0% | |
| 4 | Progressive | $1,389 | 0 ZIPs | 0% | |
| 5 | Nationwide | $1,455 | 0 ZIPs | 0% | |
| 6 | Travelers | $1,481 | 0 ZIPs | 0% | |
| 7 | Liberty Mutual | $1,521 | 0 ZIPs | 0% | |
| 8 | Allstate | $1,719 | 0 ZIPs | 0% | |
| 9 | State Farm | $2,010 | 0 ZIPs | 0% | |
| 10 | GEICO | $2,250 | 0 ZIPs | 0% |
1
$532Farmers#1 in 723 ZIPs (100%)
2
$635USAA#1 in 0 ZIPs (0%)
3
$1,058NJM Insurance#1 in 0 ZIPs (0%)
4
$1,389Progressive#1 in 0 ZIPs (0%)
5
$1,455Nationwide#1 in 0 ZIPs (0%)
6
$1,481Travelers#1 in 0 ZIPs (0%)
7
$1,521Liberty Mutual#1 in 0 ZIPs (0%)
8
$1,719Allstate#1 in 0 ZIPs (0%)
9
$2,010State Farm#1 in 0 ZIPs (0%)
10
$2,250GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in New Jersey
| City | Avg Median | ZIPs |
|---|---|---|
| Paterson | $1,085 | 14 |
| Hawthorne | $1,085 | 2 |
| Haledon | $1,085 | 2 |
| Totowa | $1,085 | 2 |
| Alloway | $1,468 | 1 |
Most Expensive Cities in New Jersey
| City | Avg Median | ZIPs |
|---|---|---|
| Whippany | $1,659 | 2 |
| Stirling | $1,659 | 1 |
| Pottersville | $1,659 | 1 |
| Pluckemin | $1,659 | 1 |
| Peapack | $1,659 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,659/6mo
07999 (Whippany)
Cheapest ZIP
$1,085/6mo
07501 (Paterson)
2.3x
Price Spread
The most expensive ZIP in New Jersey costs 2.3x more than the cheapest. Your ZIP code matters more than you think.
New Jersey Auto Insurance FAQ
ZIP Code Lookup
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All carriers in New Jersey
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Access ZIP-level rate data across all 10 carriers, 723 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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