Indiana vs New Jersey Car Insurance

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

Quick Verdict

More Affordable

Indiana is $440/yr cheaper on average.

Fewer Uninsured

Indiana has a lower uninsured rate (14.0% vs 14.9%).

Rate & Coverage Comparison

Attribute	Indiana	New Jersey
Avg Annual Premium	$1,530	$1,970
Min Liability	$500	$650
Full Coverage	$1,530	$1,970
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	14.0%	14.9%
Registered Vehicles	5,564,520	7,616,980
Accidents/Year	83,467	114,254
Population	6,786,000	9,289,000

Minimum Coverage Requirements

Indiana

25/50 / 25 liability

New Jersey

15/30 / 5 liability

Premium Comparison

Indiana$500 – $1,530

Liability: $500Avg: $1,530Full: $1,530

New Jersey$650 – $1,970

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

IndianaFull 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, Indiana or New Jersey?

Indiana has cheaper car insurance, with an average annual premium of $1,530 compared to $1,970 in New Jersey - a difference of $440 per year.

How do Indiana and New Jersey compare on fault systems?

Indiana 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 Indiana vs New Jersey?

Indiana requires 25/50 / 25 liability. New Jersey requires 15/30 / 5 liability. Minimum liability costs $500/yr in Indiana and $650/yr in New Jersey.

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

New Jersey has a higher uninsured driver rate at 14.9%, compared to 14.0% in Indiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Indiana 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

Indiana

New Jersey

Avg Annual Premium

$1,530

$1,970

Min Liability

$500

$650

Full Coverage

$1,530

$1,970

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

14.0%

14.9%

Registered Vehicles

5,564,520

7,616,980

Accidents/Year

83,467

114,254

Population

6,786,000

9,289,000