Car Insurance for Age 46-55 in New Jersey

Average auto insurance rates for 46-55 year old drivers in New Jersey (NJ), including male vs female rate comparison.

Avg Annual Rate

$1,872

$232 above national avg

Male Rate

$1,911/yr

Female Rate

$1,832/yr

Cost Rank

#12

of 51 states

Male vs Female Rates — Age 46-55 in New Jersey

Gender	Annual	Monthly	vs Average
Male	$1,911	$159	+$39
Female	$1,832	$153	$-40
Average	$1,872	$156	—

Male drivers aged 46-55 pay $79 more per year in New Jersey.

All Age Groups in New Jersey

Age Group	Average	Male	Female
16-19	$5,319	$6,008	$4,630
20-25	$3,546	$3,940	$3,152
26-35	$2,167	$2,266	$2,068
36-45	$1,970	$2,009	$1,931
46-55 ←	$1,872	$1,911	$1,832
56-65	$1,812	$1,852	$1,773
65+	$2,068	$2,128	$2,009

Most & Least Expensive States for Age 46-55

Most Expensive

#1	Michigan	$2,565
#2	Louisiana	$2,470
#3	Florida	$2,375
#4	New York	$2,204
#5	Kentucky	$2,090
#6	Colorado	$1,995
#7	Georgia	$1,995
#8	California	$1,966
#9	Nevada	$1,966
#10	Oklahoma	$1,928

Least Expensive

#51	Maine	$855
#50	Vermont	$950
#49	New Hampshire	$998
#48	Idaho	$1,045
#47	Hawaii	$1,206
#46	Wisconsin	$1,216
#45	Ohio	$1,226
#44	North Carolina	$1,282
#43	Iowa	$1,282
#42	North Dakota	$1,292

New Jersey Insurance Overview

State Avg Premium

$1,970/yr

Fault System

No-Fault

Uninsured Rate

14.9%

📊

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

How much does car insurance cost for age 46-55 in New Jersey?

The average annual car insurance premium for 46-55 year olds in New Jersey is $1,872 (about $156/month). This is $232 above the national average of $1,640 for this age group.

Do males or females pay more for car insurance at age 46-55 in New Jersey?

In New Jersey, male drivers aged 46-55 pay more — $1,911/yr for males vs $1,832/yr for females, a difference of $79 per year.

How does New Jersey rank for age 46-55 insurance costs?

New Jersey ranks #12 out of 51 states for car insurance costs for 46-55 year olds (most expensive first). The cheapest state for this age group is Maine at $855/yr, while Michigan is the most expensive at $2,565/yr.

Why is car insurance more expensive for age 46-55 in New Jersey?

Insurance rates for 46-55 year olds in New Jersey are influenced by the state's no-fault system, local accident rates (114,254/yr), uninsured driver rate (14.9%), and population density. New Jersey has 7,616,980 registered vehicles.

How can 46-55 year olds save on car insurance in New Jersey?

46-55 year olds in New Jersey can save by: comparing quotes from multiple insurers (GEICO is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 46-55 Rates in Other States

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity