USAA New Jersey Auto Insurance Rates
Median premium: $635/6mo across 723 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How USAA Compares in New Jersey
Median 6-month premium across all rated ZIPs. USAA highlighted in blue.
Geographic Detail
Cheapest Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| Paterson | $469 | -68% |
| Hawthorne | $469 | -68% |
| Haledon | $469 | -68% |
Most Expensive Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| Whippany | $718 | -51% |
| Stirling | $718 | -51% |
| Pottersville | $718 | -51% |
USAA New Jersey Insurance FAQ
ZIP Code Lookup
Enter your ZIP code to see USAA's rate in your area.
Other carriers in New Jersey
USAA ranks #2 out of 10 carriers in New Jersey with a median 6-month premium of $635. This places USAA 57% below the statewide median of $1,468. The carrier covers 723 ZIP codes across the state, with premiums ranging from $469 to $718.
USAA is the cheapest option in 0% of New Jersey ZIP codes (0 ZIPs). The most affordable USAA rates are found in Paterson, where the average premium is just $469. On the other end, Whippany has the highest USAA premiums, averaging $718 per 6-month term.
All rate data is sourced from SERFF regulatory filings and validated through TrueFactor's AI-powered validation pipeline. Rates shown are for a standard driver profile (35-year-old, clean record, 2024 Toyota Camry LE, 50/100/50 liability). Actual premiums may vary based on your specific profile, driving history, and coverage selections. Data is updated continuously as new filings are processed.
Want to see rates for your ZIP code?
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.