New Jersey vs New York Car Insurance

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

Quick Verdict

More Affordable

New Jersey is $350/yr cheaper on average.

Fewer Uninsured

New York has a lower uninsured rate (6.1% vs 14.9%).

Rate & Coverage Comparison

Attribute	New Jersey	New York
Avg Annual Premium	$1,970	$2,320
Min Liability	$650	$760
Full Coverage	$1,970	$2,320
Fault System	No-Fault	No-Fault
Uninsured Rate	14.9%	6.1%
Registered Vehicles	7,616,980	16,564,819
Accidents/Year	114,254	248,472
Population	9,289,000	20,201,000

Minimum Coverage Requirements

New Jersey

15/30 / 5 liability

New York

25/50 / 10 liability

Premium Comparison

New Jersey$650 – $1,970

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

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

New JerseyFull rates, age breakdown, requirements →New YorkFull 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, New Jersey or New York?

New Jersey has cheaper car insurance, with an average annual premium of $1,970 compared to $2,320 in New York - a difference of $350 per year.

How do New Jersey and New York compare on fault systems?

New Jersey uses a no-fault system while New York uses a no-fault system. Both states use the same system.

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

New Jersey requires 15/30 / 5 liability. New York requires 25/50 / 10 liability. Minimum liability costs $650/yr in New Jersey and $760/yr in New York.

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

New Jersey has a higher uninsured driver rate at 14.9%, compared to 6.1% in New York. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the New Jersey vs New York 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

New Jersey

New York

Avg Annual Premium

$1,970

$2,320

Min Liability

$650

$760

Full Coverage

$1,970

$2,320

Fault System

No-Fault

Uninsured Rate

14.9%

6.1%

Registered Vehicles

7,616,980

16,564,819

Accidents/Year

114,254

248,472

Population

9,289,000

20,201,000