State profile · NJ · CMS + NAIC
New Jersey drivers average $1573/yr for auto insurance, ranked #5 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
New Jersey runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1573 a year for auto cover, above the $1191 national average (the 5th-most-expensive of 51 states), up 13% since 2019.
2019: $1390 average expenditure
$1,390 avg expenditure
2020: $1334 average expenditure
$1,334 avg expenditure
2021: $1365 average expenditure
$1,365 avg expenditure
2022: $1411 average expenditure
$1,411 avg expenditure
2023: $1573 average expenditure
$1,573 avg expenditure
What this shows New Jersey drivers' average auto cost rose 13% between 2019 and 2023.
Year over year, New Jersey's average auto expenditure rose 11.4% from 2022 to 2023, part of a 13% increase (+$183) since 2019. See the full 5-year state-by-state comparison.
New Jersey auto rates in detail →New Jersey: $1573/yr average auto expenditure (this state)
$1,573 avg expenditure
Louisiana: $1749/yr average auto expenditure
$1,749 avg expenditure
District of Columbia: $1677/yr average auto expenditure
$1,677 avg expenditure
Georgia: $1555/yr average auto expenditure
$1,555 avg expenditure
Rhode Island: $1539/yr average auto expenditure
$1,539 avg expenditure
No issuer-level claim-denial data is reported for New Jersey in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
New Jersey's 2023 average auto expenditure was $1573, 5th of 51 jurisdictions by cost and 32.1% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
New Jersey is one of 12 no-fault auto-insurance states: drivers file injury claims with their own insurer's Personal Injury Protection coverage regardless of who caused the accident, rather than suing the at-fault driver. New Jersey's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, New Jersey's closest peers in PlainInsurer's dataset are Georgia ($1555/yr) and Rhode Island ($1539/yr) -- both within a few dollars of New Jersey's own $1573/yr.
Border comparison. New Jersey borders Delaware, New York, and Pennsylvania. New Jersey's auto costs run higher than 1 of them and lower than 2, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
New Jersey operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the New Jersey Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.