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How Much Is Car Insurance in Nj Per Month

Car insurance is one of those necessities that we all take for granted. After all, who doesn’t want to be safe when they’re driving? But before you hit the road, it’s important to know how much car insurance in NJ per month costs. And if you’re like most drivers, you probably don’t even realize just how much car insurance costs. That’s why we put together this comprehensive guide to help you understand everything there is to car insurance in NJ. From liability limits to discounts, read on to get the lowdown on what you need to know before your next trip.

How Much Is Car Insurance in Nj Per Month

In New Jersey, the average car insurance premium is $1,397 per year. That’s according to Insure.com, which also found that the state ranks fourth in the nation for car insurance rates. In some cases, rates can be even higher for drivers who have a history of driving infractions or have lower credit scores.

If you live in a densely populated area and are considered a high-risk driver, your rates could be much higher. Some factors that affect your rates include your age, marital status, and how safe you believe you are as a driver.

Insure.com also offers a rate estimator to help you estimate your monthly car insurance costs in New Jersey based on your policy information and driving record.

Factors That Affect Car Insurance Rates

There are a number of factors that affect car insurance rates in New Jersey. In general, the higher your vehicle’s value, the greater your premium will be. Your driving record also affects your rate; a clean record means you will pay less, while a history of accidents or tickets will increase your premium. And finally, where you live also affects your rates. Rates in more urban areas are generallyhigher than those in rural areas, for example.

How to Save on Car Insurance

If you’re like most New Jersey residents, you probably think car insurance is expensive. But not everything is as it seems. In fact, there are several ways to save on car insurance in Nj.

One way to save on car insurance in Nj is to compare rates online. You can find multiple quotes from different companies and compare the prices to see which one offers the best deal for you.

Another way to save on car insurance in Nj is to shop around for a policy that fits your needs. Each company has their own specific policies that might offer discounts or additional features that are worth considering.

And last but not least, always make sure to read the fine print when signing up for a policy. Some companies offer discounts for bundling insurance with other services, such as roadside assistance or vehicle protection plans. So be sure to take advantage of these deals when they’re available!


In the United States, car insurance rates can vary considerably from state to state. In addition, the amount of coverage you need and your driving history will also affect your rate. The good news is that there are a few things that you can do to reduce your rates, including maintaining a clean driving record and getting comprehensive coverage. If you’re looking for an estimate on how much car insurance in New Jersey costs per month, try our calculator below.

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