Connecticut vs New Jersey Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Connecticut is $190/yr cheaper on average.

Fewer Uninsured

Connecticut has a lower uninsured rate (9.4% vs 14.9%).

Rate & Coverage Comparison

Attribute	Connecticut	New Jersey
Avg Annual Premium	$1,780	$1,970
Min Liability	$580	$650
Full Coverage	$1,780	$1,970
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	9.4%	14.9%
Registered Vehicles	2,956,920	7,616,980
Accidents/Year	44,353	114,254
Population	3,606,000	9,289,000

Minimum Coverage Requirements

Connecticut

25/50 / 25 liability

New Jersey

15/30 / 5 liability

Premium Comparison

Connecticut$580 – $1,780

Liability: $580Avg: $1,780Full: $1,780

New Jersey$650 – $1,970

Liability: $650Avg: $1,970Full: $1,970

ConnecticutFull rates, age breakdown, requirements →New JerseyFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Connecticut or New Jersey?

Connecticut has cheaper car insurance, with an average annual premium of $1,780 compared to $1,970 in New Jersey - a difference of $190 per year.

How do Connecticut and New Jersey compare on fault systems?

Connecticut uses a at-fault (tort) system while New Jersey uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Connecticut vs New Jersey?

Connecticut requires 25/50 / 25 liability. New Jersey requires 15/30 / 5 liability. Minimum liability costs $580/yr in Connecticut and $650/yr in New Jersey.

Which state has more uninsured drivers, Connecticut or New Jersey?

New Jersey has a higher uninsured driver rate at 14.9%, compared to 9.4% in Connecticut. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Connecticut vs New Jersey insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Connecticut

New Jersey

Avg Annual Premium

$1,780

$1,970

Min Liability

$580

$650

Full Coverage

$1,780

$1,970

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

9.4%

14.9%

Registered Vehicles

2,956,920

7,616,980

Accidents/Year

44,353

114,254

Population

3,606,000

9,289,000