New Jersey vs. Pennsylvania car insurance cost
Full-coverage car insurance averages $2,039 a year in New Jersey and $1,470 a year in Pennsylvania for a standard driver (2026). Pennsylvania is cheaper by about $569 a year (39%). Your own rate depends on your age, vehicle and record — estimate it below.
Estimated premium
$169.92/mo
Profile: 40-year-old driver, 2012 Toyota Camry, 100/300/100 full coverage, $1,000 deductible, clean record (MoneyGeek 2026).
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New Jersey vs. Pennsylvania car insurance cost at a glance
- New Jersey (full coverage / yr)
- $2,039
- Pennsylvania (full coverage / yr)
- $1,470
- Difference
- $569 (39%)
- Cheaper state
- Pennsylvania
Frequently asked questions
Is car insurance cheaper in New Jersey or Pennsylvania?
Pennsylvania is cheaper. Full-coverage car insurance averages $1,470 a year there versus $2,039 in New Jersey — about 39% less, based on 2026 average rates for a standard driver.
Why does car insurance cost more in New Jersey?
State-level differences come from regulations, population density, accident and theft rates, weather/catastrophe risk and litigation costs. These vary enough that the same driver can pay noticeably different premiums in New Jersey versus Pennsylvania.
Will my rate match these averages?
Not exactly — these are averages for a standard 40-year-old driver. Your age, vehicle, record, credit and coverage choices move your price up or down. Use the calculator for a personalized estimate, then compare a real quote.
How this estimate is calculated
Figures are 2026 average annual full-coverage premiums for a standard 40-year-old driver in New Jersey and Pennsylvania. Your vehicle, record, credit and discounts also affect real quotes — use the calculator for a personalized estimate.
See our full methodology for assumptions, limits and the 2026 data used.
Sources
- MoneyGeek — Car Insurance Rates by State: Average Cost in 2026 (2026)
- MoneyGeek — Average Car Insurance Rates by Age and Gender (2026) (2026)
- Written by
- Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
- Verified
- Every figure checked against its cited primary source
- Last updated
- June 13, 2026
- Standards
- Editorial policy
This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.