Average Car, Home & Renters Insurance Cost in New Jersey (2026)
These are estimated annual averages for New Jersey, drawn from published rate studies. They describe a typical profile — not your policy, and not a price you have been offered.
New Jersey at a glance
| Coverage | Estimated annual average | Rank of 51 | Assumes |
|---|---|---|---|
| Car insurance (liability + comp & collision) | $3,622/yr | #49 of 51 | Full coverage: liability + comprehensive + collision |
| Car insurance (state-minimum liability only) | $1,159/yr | #50 of 51 | State-required minimum liability limits only |
| Home insurance | $1,421/yr | #7 of 51 | $300K dwelling · $300K liability · $1K deductible |
| Renters insurance | $125/yr | #10 of 51 | $30K personal property · $100K liability · $500 deductible |
Estimates derived from public rate data, NerdWallet, 2026 (powered by Quadrant Information Services). Not a quote — your rate will differ. (car insurance)
Estimates derived from public rate data, Insurance.com, 2026. Not a quote — your rate will differ. (home)
Estimates derived from public rate data, NerdWallet, 2026. Not a quote — your rate will differ. (renters)
Rank 1 is the lowest estimated average of the 50 states and the District of Columbia.
How New Jersey compares with the national average
- Full-coverage car insurance runs about 55% above the national average of $2,339.
- Home insurance runs about 44% below the national average of $2,543.
- Renters insurance runs about 17% below the national average of $151.
How New Jersey compares with neighbouring states
| State | Car (full) | Home | Renters |
|---|---|---|---|
| New Jersey | $3,622 | $1,421 | $125 |
| Delaware | $2,647 | $1,374 | $125 |
| New York | $2,599 | $1,683 | $125 |
| Pennsylvania | $2,268 | $1,529 | $118 |
Notes on these figures
- Renters figures assume $30K personal property · $100K liability · $500 deductible.
See where you sit
Run the interactive version for New Jersey with your line, age band and coverage level — or scan your declarations page and we'll compare your actual premium against these averages.
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See every state in the State Guides, or read how CoverageCard grades a policy. Terms used on this page are explained in the Insurance Glossary.