Car Insurance NJ

Car Insurance Quotes in New Jersey

New Jersey isn't a cheap state to live in, and neither are insurance costs. The average insurance price is of almost $2,000 ($1,981.97, to be more precise), while the average Liability in the rest of the country costs only $1,671.16.

Insurance quotes in New Jersey vary from a little over $1,100 to more than $3,000. As a rule, insurance costs more in large cities than in small towns and villages because it's a game of supply and demand. The big money is in the metropolitan areas, so everything will cost more than in a town where a majority of residents earn minimum wage.

Keep in mind that these are average figures. Just because you live in Jersey City where the average Liability coverage costs $2,579.57 a year it doesn't mean you will pay the exact same price – sometimes not even close to it. If you have a spotless driving record, have been with the same company for many years, have multi-car discounts and safe driving courses you might pay something in the range of $2,000 or maybe less. On the other hand, if you have had a conviction for driving under the influence or driving without insurance you may end up paying more than $10,000 a year.

In no particular order, here are some of the main factors that influence the car insurance premiums in New Jersey.