New Jersey Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 561 ZIP codes in New Jersey (NJ).

The verdict

According to U.S. Treasury FIO filings, New Jersey ranks #22 of 51 by average premium ($1,858/yr) ≠ #38 of 50 by nonrenewal (0.85%). Cost rank is not withdrawal rank.

$1,858
State avg premium (#22 of 51): #38
Nonrenewal of 50 (0.85%): 07723
In-state premium ZIP #1 ($8,535): 07050
In-state nonrenewal ZIP #1 (2.97%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

New Jersey vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,858 Around the middle lower premium than 41% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2022

Source: U.S. Department of the Treasury, Federal Insurance Office, "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Each state figure on this page is the 2022 average across the state's ZIP codes, counting every ZIP once; the change figures compare 2018 with 2022. See methodology for how the state rank and national comparison are calculated.

How New Jersey Compares

Premium vs National

5% above

$1,858 vs the national $1,776 per year

Premium Change

+1.8%

2018-2022 change, 42nd of 51 states on growth

Avg Loss Ratio (2022)

41.4%

Claims paid vs premiums earned

National 58.0%: insurers retain more margin here

Nonrenewal Change

+48.4%

2018-2022 change in the share of policies insurers decline to renew

Data Snapshot: New Jersey Homeowners Insurance

The New Jersey figures above are a plain mean of ZIP-level averages for 2022, in which a ZIP of a few hundred people counts the same as one of tens of thousands.

Nonrenewal, the share of policies insurers decline to extend at expiration, is averaged across the New Jersey ZIP codes that report one.

Within New Jersey, premium dispersion across ZIP codes is substantial: the most expensive ZIP (07723 in Deal) charges 659% more than the least expensive (07034 in Lake Hiawatha), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: New Jersey

New Jersey statewide - FIO 2022, mean of ZIP codes: 41% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

561

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,826	$1,557	44.0%	6.43%	0.57%
2019	$1,851 (+1.4%)	$1,584	38.9%	5.32%	0.83%
2020	$1,851 (-0.0%)	$1,601	46.8%	7.07%	0.55%
2021	$1,833 (-1.0%)	$1,592	54.3%	7.64%	0.61%
2022	$1,858 (+1.4%)	$1,598	41.4%	4.81%	0.85%

Average homeowners premium per year in New Jersey.

Most Expensive ZIP Codes in New Jersey

Most Affordable ZIP Codes in New Jersey

South Bound Brook, NJ

$1,196/yr

All ZIP Codes in New Jersey

561 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
07723	Deal	$8,535	26.9%	4.99%	1.25%
07620	Alpine	$7,939	63.1%	17.23%	1.70%
08738	Mantoloking	$6,381	16.5%	3.35%	1.57%
07976	New Vernon	$6,062	24.2%	10.15%	1.49%
08403	Longport	$5,541	3.2%	4.35%	0.98%
07760	Rumson	$5,355	22.1%	7.00%	1.22%
07711	Allenhurst	$5,282	39.3%	5.10%	1.06%
07931	Far Hills	$5,277	25.0%	7.95%	0.95%
08202	Avalon	$4,799	8.3%	2.75%	0.76%
07750	Monmouth Beach	$4,470	8.5%	3.35%	1.16%
07458	Saddle River	$4,374	119.7%	10.42%	1.50%
07762	Spring Lake	$4,325	19.5%	3.82%	0.92%
08858	Oldwick	$4,268	8.7%	5.10%	N/A
07717	Avon By The Sea	$4,123	2.7%	2.38%	0.40%
08247	Stone Harbor	$4,092	7.8%	1.89%	0.24%
08750	Sea Girt	$4,088	8.9%	3.34%	0.59%
08402	Margate City	$3,858	23.2%	3.83%	0.99%
07078	Short Hills	$3,796	44.8%	12.61%	1.23%
07021	Essex Fells	$3,746	46.7%	10.72%	1.48%
07722	Colts Neck	$3,687	41.9%	5.49%	1.11%
08006	Barnegat Light	$3,607	10.0%	2.39%	0.80%
08008	Beach Haven	$3,572	14.0%	2.54%	1.12%
07417	Franklin Lakes	$3,550	69.8%	9.77%	1.08%
07030	Hoboken	$3,429	34.7%	11.98%	1.20%
08406	Ventnor City	$3,370	30.2%	5.87%	1.57%
08226	Ocean City	$3,256	9.5%	2.99%	0.83%
08752	Seaside Park	$3,197	14.0%	2.49%	0.48%
07924	Bernardsville	$3,191	30.2%	6.98%	0.94%
08243	Sea Isle City	$3,178	15.1%	3.25%	0.58%
08735	Lavallette	$3,175	6.3%	1.90%	0.92%
07632	Englewood Cliffs	$3,147	42.8%	8.45%	1.86%
07979	Pottersville	$3,119	19.4%	7.07%	1.01%
07740	Long Branch	$3,091	60.8%	3.61%	1.16%
08248	Strathmere	$3,072	2.9%	2.80%	1.40%
08730	Brielle	$3,069	51.6%	4.82%	0.62%
07756	Ocean Grove	$3,035	19.3%	4.04%	1.30%
07945	Mendham	$3,014	66.1%	6.66%	0.95%
08203	Brigantine	$2,985	31.0%	4.25%	1.54%
08212	Cape May Point	$2,956	12.1%	2.80%	1.87%
07720	Bradley Beach	$2,911	26.8%	4.86%	0.26%
07733	Holmdel	$2,867	30.1%	4.37%	0.70%
07042	Montclair	$2,824	49.6%	10.35%	1.31%
07732	Highlands	$2,811	13.6%	4.20%	1.30%
07670	Tenafly	$2,786	50.9%	7.19%	1.36%
07921	Bedminster	$2,773	77.6%	8.86%	0.29%
07069	Watchung	$2,761	58.0%	7.31%	0.86%
07901	Summit	$2,738	40.4%	8.40%	0.88%
07627	Demarest	$2,730	27.6%	5.92%	1.08%
08751	Seaside Heights	$2,723	20.4%	2.64%	0.90%
07977	Peapack	$2,722	2.6%	2.21%	N/A
07631	Englewood	$2,718	59.9%	8.23%	1.42%
07046	Mountain Lakes	$2,707	56.8%	8.53%	1.55%
07043	Montclair	$2,691	32.1%	9.71%	0.89%
07739	Little Silver	$2,690	20.2%	4.48%	1.02%
07677	Woodcliff Lake	$2,668	106.4%	17.07%	1.11%
08732	Island Heights	$2,653	-15.6%	3.52%	0.59%
07935	Green Village	$2,644	15.5%	5.77%	N/A
07302	Jersey City	$2,641	26.2%	5.84%	0.60%
07704	Fair Haven	$2,625	35.7%	4.71%	0.86%
07934	Gladstone	$2,610	62.3%	8.45%	0.87%
07755	Oakhurst	$2,609	43.7%	4.41%	1.22%
08535	Millstone Township	$2,577	104.3%	6.35%	0.48%
07108	Newark	$2,570	40.3%	6.39%	2.37%
08510	Millstone Township	$2,553	30.0%	5.41%	0.83%
08736	Manasquan	$2,552	20.3%	3.83%	0.58%
07086	Weehawken	$2,546	19.4%	4.80%	0.80%
07079	South Orange	$2,542	49.8%	8.05%	1.45%
08742	Point Pleasant Beach	$2,538	17.8%	2.97%	1.01%
07423	Ho Ho Kus	$2,522	41.2%	7.29%	0.97%
08260	Wildwood	$2,518	22.8%	3.91%	0.97%
07716	Atlantic Highlands	$2,512	19.1%	3.79%	1.05%
07102	Newark	$2,489	10.9%	4.17%	N/A
08221	Linwood	$2,489	26.2%	5.45%	0.56%
07757	Oceanport	$2,479	14.4%	3.24%	1.01%
07059	Warren	$2,474	62.5%	7.87%	0.70%
08540	Princeton	$2,468	54.0%	7.18%	0.96%
07930	Chester	$2,459	48.2%	7.52%	0.47%
07926	Brookside	$2,449	27.4%	16.00%	N/A
07112	Newark	$2,441	109.2%	7.46%	2.38%
07764	West Long Branch	$2,428	35.7%	5.44%	1.31%
07626	Cresskill	$2,420	53.5%	4.65%	1.47%
07028	Glen Ridge	$2,418	38.3%	6.62%	0.78%
07719	Belmar	$2,379	19.6%	3.39%	0.45%
07504	Paterson	$2,355	69.3%	5.98%	1.85%
08401	Atlantic City	$2,350	33.8%	8.12%	1.83%
07104	Newark	$2,331	78.5%	4.92%	1.62%
07401	Allendale	$2,326	92.2%	6.71%	0.55%
07641	Haworth	$2,325	64.3%	5.76%	1.44%
07712	Asbury Park	$2,302	34.6%	4.71%	0.69%
08057	Moorestown	$2,295	42.5%	5.48%	0.80%
07430	Mahwah	$2,288	46.3%	5.86%	1.30%
07018	East Orange	$2,287	120.6%	7.16%	1.67%
07450	Ridgewood	$2,285	40.3%	6.64%	1.09%
07020	Edgewater	$2,285	65.9%	7.81%	2.08%
08558	Skillman	$2,272	47.4%	7.06%	0.91%
08720	Allenwood	$2,270	60.5%	5.08%	N/A
07107	Newark	$2,250	28.8%	3.66%	1.39%
07751	Morganville	$2,248	63.6%	5.75%	0.92%
07087	Union City	$2,247	45.9%	3.37%	1.17%
07624	Closter	$2,230	55.8%	5.05%	2.18%
07114	Newark	$2,227	9.6%	2.45%	1.22%
07017	East Orange	$2,203	77.7%	7.47%	1.51%
07106	Newark	$2,201	69.8%	7.62%	1.56%
07928	Chatham	$2,198	57.2%	7.49%	0.72%
07304	Jersey City	$2,195	37.6%	4.53%	1.02%
07960	Morristown	$2,192	51.7%	6.12%	0.77%
07481	Wyckoff	$2,171	31.0%	6.18%	0.88%
07940	Madison	$2,169	26.2%	5.25%	0.63%
07307	Jersey City	$2,161	21.1%	4.11%	0.86%
07039	Livingston	$2,161	35.7%	6.02%	1.04%
07920	Basking Ridge	$2,158	29.8%	6.06%	0.81%
07055	Passaic	$2,149	54.5%	5.79%	1.10%
07830	Califon	$2,140	19.3%	4.75%	1.06%
07702	Shrewsbury	$2,129	11.3%	3.52%	0.20%
08204	Cape May	$2,127	12.3%	2.05%	0.57%
07103	Newark	$2,124	29.9%	5.52%	1.51%
07513	Paterson	$2,119	13.3%	2.83%	0.63%
07305	Jersey City	$2,109	44.6%	4.92%	1.24%
07746	Marlboro	$2,102	60.8%	5.27%	0.77%
07306	Jersey City	$2,092	42.7%	5.33%	0.91%
08525	Hopewell	$2,092	24.8%	4.85%	1.04%
07701	Red Bank	$2,083	18.4%	4.12%	0.40%
07738	Lincroft	$2,080	60.4%	4.87%	0.46%
08833	Lebanon	$2,077	52.0%	5.97%	0.64%
07514	Paterson	$2,076	20.7%	4.75%	0.66%
07050	Orange	$2,076	74.7%	6.98%	2.97%
07524	Paterson	$2,076	32.5%	3.48%	0.92%
07645	Montvale	$2,073	51.4%	6.23%	1.17%
07737	Leonardo	$2,070	20.0%	3.52%	0.68%
07045	Montville	$2,063	52.9%	6.88%	0.57%
07090	Westfield	$2,061	44.3%	5.72%	0.70%
07105	Newark	$2,055	30.9%	3.51%	0.94%
08734	Lanoka Harbor	$2,054	31.1%	4.53%	0.20%
07093	West New York	$2,051	60.6%	4.67%	0.91%
07040	Maplewood	$2,048	50.9%	7.23%	1.28%
07041	Millburn	$2,041	41.6%	7.28%	1.02%
07675	Westwood	$2,023	31.9%	6.20%	1.01%
08514	Cream Ridge	$2,017	49.0%	3.74%	0.44%
07648	Norwood	$2,011	94.7%	4.62%	1.63%
08502	Belle Mead	$2,007	45.8%	5.12%	0.57%
07111	Irvington	$2,003	87.2%	6.65%	1.92%
08092	West Creek	$1,996	54.2%	5.23%	0.59%
08553	Rocky Hill	$1,993	9.3%	5.07%	0.72%
07501	Paterson	$1,992	71.7%	4.25%	1.51%
08836	Martinsville	$1,988	40.4%	4.15%	0.66%
07726	Englishtown	$1,982	56.1%	5.04%	0.72%
08241	Port Republic	$1,980	54.1%	7.36%	0.67%
07006	Caldwell	$1,977	32.0%	6.15%	0.55%
07082	Towaco	$1,967	26.2%	5.70%	0.96%
08753	Toms River	$1,964	29.3%	4.07%	0.63%
08559	Stockton	$1,957	35.7%	5.25%	0.53%
08560	Titusville	$1,956	22.8%	5.96%	0.56%
08550	Princeton Junction	$1,954	49.7%	5.85%	0.85%
08867	Pittstown	$1,952	20.6%	3.72%	0.40%
07024	Fort Lee	$1,951	87.7%	6.35%	1.25%
08329	Mauricetown	$1,940	N/A	N/A	1.67%
08033	Haddonfield	$1,931	30.4%	4.41%	0.85%
08041	Jobstown	$1,930	31.4%	4.31%	N/A
07748	Middletown	$1,930	30.8%	4.73%	0.57%
08853	Neshanic Station	$1,918	28.4%	5.69%	0.79%
07666	Teaneck	$1,916	29.0%	5.57%	1.41%
07640	Harrington Park	$1,909	50.3%	5.08%	1.79%
07047	North Bergen	$1,904	45.4%	3.35%	1.01%
07522	Paterson	$1,900	59.4%	5.52%	1.91%
08223	Marmora	$1,900	17.9%	2.62%	0.24%
08551	Ringoes	$1,898	32.6%	3.65%	0.58%
07932	Florham Park	$1,895	19.2%	5.39%	0.52%
08501	Allentown	$1,891	73.6%	10.90%	0.23%
07503	Paterson	$1,889	15.3%	3.19%	1.31%
08512	Cranbury	$1,885	22.1%	4.93%	0.52%
08721	Bayville	$1,884	30.4%	3.85%	0.45%
08003	Cherry Hill	$1,878	148.8%	17.59%	0.61%
07002	Bayonne	$1,878	27.9%	3.93%	1.46%
08740	Ocean Gate	$1,873	77.7%	3.63%	0.36%
08542	Princeton	$1,871	11.9%	3.16%	0.40%
08062	Mullica Hill	$1,870	204.9%	10.50%	0.55%
08534	Pennington	$1,867	106.9%	5.93%	0.54%
08251	Villas	$1,863	10.0%	3.06%	0.35%
08225	Northfield	$1,861	27.5%	6.10%	0.51%
07452	Glen Rock	$1,861	31.0%	5.01%	1.04%
07728	Freehold	$1,860	42.3%	4.58%	0.70%
07058	Pine Brook	$1,859	34.7%	3.98%	0.59%
08340	Milmay	$1,851	13.2%	1.98%	0.50%
08741	Pine Beach	$1,849	29.9%	4.99%	0.38%
08043	Voorhees	$1,838	96.5%	10.96%	0.70%
08758	Waretown	$1,837	19.6%	3.55%	0.31%
07446	Ramsey	$1,833	21.3%	3.96%	0.99%
07753	Neptune	$1,832	33.8%	4.59%	0.40%
07724	Eatontown	$1,828	31.0%	4.04%	0.44%
08801	Annandale	$1,827	49.5%	5.22%	0.58%
08723	Brick	$1,821	22.6%	2.89%	0.46%
07092	Mountainside	$1,819	36.4%	5.72%	0.99%
08731	Forked River	$1,816	41.6%	4.26%	0.28%
08055	Medford	$1,812	134.1%	10.43%	0.65%
07010	Cliffside Park	$1,809	35.7%	5.35%	1.62%
07649	Oradell	$1,802	45.2%	5.42%	0.97%
07052	West Orange	$1,793	63.2%	6.16%	0.91%
07068	Roseland	$1,793	50.9%	4.63%	0.47%
08201	Absecon	$1,791	43.1%	4.69%	0.53%
08323	Greenwich	$1,790	3.8%	1.22%	N/A
07605	Leonia	$1,788	30.9%	3.57%	1.28%
08224	New Gretna	$1,788	12.9%	2.59%	N/A
08073	Rancocas	$1,787	45.2%	5.77%	N/A
08724	Brick	$1,778	32.9%	3.71%	0.31%
07405	Butler	$1,767	40.8%	5.33%	0.88%
07758	Port Monmouth	$1,762	16.7%	3.95%	0.19%
07718	Belford	$1,758	12.2%	3.60%	0.67%
08056	Mickleton	$1,756	30.8%	3.62%	0.79%
08609	Trenton	$1,751	67.6%	8.11%	1.33%
08515	Chesterfield	$1,744	31.2%	4.79%	0.74%
08562	Wrightstown	$1,740	37.3%	4.63%	0.70%
08350	Richland	$1,738	188.3%	2.60%	1.30%
07869	Randolph	$1,737	41.8%	5.30%	0.75%
07727	Farmingdale	$1,734	88.3%	4.34%	0.61%
08889	Whitehouse Station	$1,733	38.5%	5.31%	0.59%
07206	Elizabethport	$1,728	62.0%	4.49%	1.44%
08019	Chatsworth	$1,726	2.9%	2.22%	0.56%
08701	Lakewood	$1,723	66.5%	3.54%	0.66%
07201	Elizabeth	$1,717	65.4%	5.19%	0.95%
08050	Manahawkin	$1,714	29.8%	3.72%	0.43%
08244	Somers Point	$1,712	14.6%	2.75%	0.38%
07656	Park Ridge	$1,712	26.0%	4.51%	1.22%
07060	Plainfield	$1,711	46.3%	5.82%	1.19%
08802	Asbury	$1,711	29.1%	5.01%	0.73%
07946	Millington	$1,710	15.2%	4.34%	0.58%
07853	Long Valley	$1,707	43.6%	4.92%	0.73%
07652	Paramus	$1,705	40.4%	4.34%	1.18%
07980	Stirling	$1,697	26.4%	4.96%	0.71%
07642	Hillsdale	$1,691	73.9%	11.57%	1.21%
07076	Scotch Plains	$1,690	32.2%	4.89%	0.73%
07044	Verona	$1,689	18.3%	4.28%	0.46%
07009	Cedar Grove	$1,686	44.5%	4.74%	0.62%
07005	Boonton	$1,683	67.9%	4.70%	0.75%
08048	Lumberton	$1,681	39.4%	5.90%	0.87%
08098	Woodstown	$1,681	86.2%	3.82%	0.47%
08205	Absecon	$1,679	20.3%	3.83%	0.58%
08103	Camden	$1,678	84.7%	9.45%	1.03%
07974	New Providence	$1,676	16.8%	4.22%	0.54%
07735	Keyport	$1,671	23.0%	3.52%	0.40%
07647	Northvale	$1,670	37.0%	3.86%	1.54%
08001	Alloway	$1,669	30.1%	5.42%	N/A
07871	Sparta	$1,667	86.8%	5.29%	0.72%
07676	Township Of Washington	$1,666	91.0%	9.28%	0.81%
07650	Palisades Park	$1,666	16.6%	3.50%	0.88%
08087	Tuckerton	$1,663	30.3%	4.02%	0.30%
08823	Franklin Park	$1,662	60.2%	8.88%	0.87%
07470	Wayne	$1,658	55.2%	4.85%	0.77%
07004	Fairfield	$1,653	47.5%	6.62%	0.64%
08319	Estell Manor	$1,653	30.4%	3.46%	0.29%
07922	Berkeley Heights	$1,653	26.9%	4.79%	0.73%
07094	Secaucus	$1,651	14.7%	3.14%	0.66%
08530	Lambertville	$1,650	37.8%	5.62%	0.87%
08755	Toms River	$1,648	35.0%	3.54%	1.00%
08242	Rio Grande	$1,648	11.6%	2.11%	0.30%
08037	Hammonton	$1,647	30.4%	4.18%	0.64%
08036	Hainesport	$1,645	33.9%	4.83%	0.44%
08852	Monmouth Junction	$1,644	44.3%	4.60%	0.91%
08825	Frenchtown	$1,643	26.1%	3.57%	0.48%
08533	New Egypt	$1,640	14.5%	2.95%	0.72%
07822	Augusta	$1,637	20.2%	2.48%	N/A
08210	Cape May Court House	$1,636	47.8%	2.36%	0.40%
07747	Matawan	$1,635	81.4%	5.62%	0.70%
07848	Lafayette	$1,634	23.6%	3.95%	0.79%
07208	Elizabeth	$1,634	67.1%	5.82%	0.92%
07606	South Hackensack	$1,634	176.1%	5.00%	1.67%
07435	Newfoundland	$1,633	21.3%	3.24%	0.68%
08005	Barnegat	$1,632	33.7%	5.15%	0.32%
08611	Trenton	$1,629	52.9%	5.41%	0.98%
07022	Fairview	$1,628	32.2%	5.47%	1.25%
07502	Paterson	$1,627	53.6%	3.08%	1.34%
08527	Jackson	$1,625	40.3%	3.53%	0.53%
08234	Egg Harbor Township	$1,625	51.3%	6.12%	0.57%
08324	Heislerville	$1,622	3.7%	1.61%	N/A
07029	Harrison	$1,619	8.3%	1.83%	1.06%
08327	Leesburg	$1,612	10.5%	1.61%	1.61%
07730	Hazlet	$1,610	31.6%	4.45%	0.65%
08904	Highland Park	$1,609	31.2%	5.00%	1.31%
07601	Hackensack	$1,605	49.6%	4.93%	1.38%
07032	Kearny	$1,600	46.0%	3.62%	0.64%
07202	Elizabeth	$1,598	17.6%	3.18%	0.94%
08215	Egg Harbor City	$1,598	20.2%	3.02%	0.79%
07825	Blairstown	$1,596	66.5%	3.61%	0.47%
08318	Elmer	$1,594	46.3%	3.16%	0.41%
08085	Swedesboro	$1,593	42.0%	3.67%	0.70%
08511	Cookstown	$1,592	24.1%	4.30%	0.54%
07657	Ridgefield	$1,588	26.7%	4.32%	1.35%
08240	Pomona	$1,588	N/A	N/A	1.49%
08555	Roosevelt	$1,585	9.6%	2.17%	0.43%
08081	Sicklerville	$1,585	59.9%	7.01%	0.75%
08618	Trenton	$1,583	67.8%	7.07%	1.09%
07734	Keansburg	$1,583	34.8%	4.82%	0.73%
08270	Woodbine	$1,582	28.5%	2.94%	0.75%
08232	Pleasantville	$1,581	30.4%	4.36%	0.87%
08844	Hillsborough	$1,576	36.2%	4.42%	0.74%
07731	Howell	$1,575	35.4%	4.48%	0.52%
08022	Columbus	$1,574	42.4%	4.66%	0.60%
08026	Gibbsboro	$1,573	29.3%	4.73%	1.01%
08322	Franklinville	$1,573	44.9%	4.50%	1.17%
08820	Edison	$1,572	44.1%	5.05%	1.00%
08343	Monroeville	$1,570	21.4%	3.39%	0.56%
08349	Port Norris	$1,569	85.4%	3.92%	0.90%
08353	Shiloh	$1,569	7.0%	4.31%	0.86%
08080	Sewell	$1,567	59.3%	4.80%	0.59%
07936	East Hanover	$1,567	51.5%	5.23%	0.55%
08077	Riverton	$1,565	57.5%	3.62%	0.70%
08822	Flemington	$1,565	33.6%	4.28%	0.79%
07070	Rutherford	$1,564	30.4%	3.76%	1.26%
08536	Plainsboro	$1,564	66.9%	6.45%	1.04%
08826	Glen Gardner	$1,564	22.3%	5.60%	0.18%
08807	Bridgewater	$1,564	46.2%	4.97%	0.75%
07933	Gillette	$1,562	20.1%	5.54%	0.63%
08827	Hampton	$1,560	15.2%	3.82%	0.82%
07205	Hillside	$1,559	52.6%	6.27%	1.25%
08045	Lawnside	$1,558	43.9%	8.19%	0.76%
08316	Dorchester	$1,557	11.3%	1.89%	1.89%
08310	Buena	$1,555	21.6%	2.79%	0.62%
08348	Port Elizabeth	$1,554	7.2%	3.57%	N/A
07081	Springfield	$1,552	38.3%	5.31%	0.77%
08088	Vincentown	$1,550	124.9%	9.89%	0.67%
08311	Cedarville	$1,550	77.4%	4.57%	1.14%
08691	Trenton	$1,550	47.6%	5.03%	0.45%
08317	Dorothy	$1,550	28.9%	4.30%	0.36%
08046	Willingboro	$1,546	105.8%	10.98%	1.33%
08230	Ocean View	$1,542	25.9%	3.34%	0.26%
07508	Haledon	$1,540	29.2%	3.62%	1.02%
08054	Mount Laurel	$1,538	41.6%	5.66%	0.46%
07661	River Edge	$1,535	33.9%	4.26%	0.98%
08352	Rosenhayn	$1,534	14.1%	6.15%	1.54%
08102	Camden	$1,531	27.8%	3.87%	1.66%
08302	Bridgeton	$1,531	35.5%	4.06%	0.88%
07630	Emerson	$1,530	55.6%	4.68%	1.07%
08505	Bordentown	$1,526	40.2%	6.41%	0.65%
07721	Cliffwood	$1,524	19.0%	3.76%	0.66%
08816	East Brunswick	$1,524	38.4%	4.55%	1.06%
08361	Vineland	$1,523	64.9%	4.13%	0.51%
08831	Monroe Township	$1,522	57.4%	5.17%	0.70%
08722	Beachwood	$1,522	32.8%	4.02%	0.37%
08330	Mays Landing	$1,522	38.0%	4.88%	0.72%
07856	Mount Arlington	$1,519	79.3%	4.03%	0.73%
08887	Three Bridges	$1,518	0.4%	1.14%	N/A
08648	Lawrence Township	$1,517	54.0%	5.10%	0.60%
08035	Haddon Heights	$1,516	41.8%	4.02%	0.72%
08812	Dunellen	$1,515	38.2%	4.91%	0.97%
07821	Andover	$1,513	67.9%	4.52%	0.53%
07003	Bloomfield	$1,512	41.4%	5.02%	1.07%
08104	Camden	$1,508	32.6%	5.52%	1.04%
07110	Nutley	$1,508	25.9%	4.45%	0.84%
07109	Belleville	$1,508	21.8%	4.26%	0.60%
07838	Great Meadows	$1,508	51.3%	4.76%	1.08%
07436	Oakland	$1,502	40.3%	5.08%	0.84%
08016	Burlington	$1,501	50.0%	7.54%	0.75%
08346	Newtonville	$1,498	19.2%	4.76%	N/A
07832	Columbia	$1,496	18.3%	3.84%	0.87%
08089	Waterford Works	$1,494	79.4%	4.54%	0.68%
08861	Perth Amboy	$1,493	53.3%	3.86%	1.54%
07062	Plainfield	$1,492	32.4%	6.21%	0.54%
07512	Totowa	$1,491	51.1%	4.80%	0.53%
07016	Cranford	$1,490	63.7%	4.15%	0.52%
08809	Clinton	$1,490	29.7%	3.95%	0.44%
07660	Ridgefield Park	$1,486	24.4%	3.10%	1.41%
07621	Bergenfield	$1,485	52.9%	4.03%	1.54%
07604	Hasbrouck Heights	$1,483	31.6%	4.25%	1.69%
08034	Cherry Hill	$1,481	41.0%	5.58%	0.53%
07834	Denville	$1,474	24.0%	3.69%	0.37%
07465	Wanaque	$1,473	25.5%	4.79%	0.59%
08094	Williamstown	$1,472	52.5%	4.92%	0.70%
08068	Pemberton	$1,472	59.5%	5.55%	0.61%
07646	New Milford	$1,471	33.0%	4.44%	1.60%
08010	Beverly	$1,470	61.1%	6.99%	0.82%
08901	New Brunswick	$1,469	40.0%	3.74%	2.14%
07014	Clifton	$1,469	62.8%	5.08%	0.48%
08061	Mount Royal	$1,468	54.9%	3.28%	1.17%
08079	Salem	$1,468	12.6%	3.21%	0.96%
07011	Clifton	$1,467	40.3%	4.03%	0.90%
08629	Trenton	$1,463	52.7%	6.69%	0.55%
08876	Somerville	$1,462	51.2%	4.36%	0.71%
08004	Atco	$1,460	65.7%	5.03%	0.56%
07072	Carlstadt	$1,457	33.5%	3.76%	1.09%
07950	Morris Plains	$1,456	35.0%	4.83%	0.33%
08053	Marlton	$1,456	140.5%	12.10%	0.65%
08014	Bridgeport	$1,454	2.2%	1.80%	N/A
07603	Bogota	$1,454	45.0%	4.90%	1.17%
08108	Collingswood	$1,452	20.4%	3.22%	0.70%
08886	Stewartsville	$1,452	66.4%	5.52%	1.09%
07456	Ringwood	$1,451	53.4%	4.54%	0.62%
07026	Garfield	$1,451	42.7%	3.95%	1.47%
08109	Merchantville	$1,450	37.2%	5.52%	0.72%
08345	Newport	$1,449	1.4%	0.59%	0.59%
08067	Pedricktown	$1,449	8.0%	1.99%	0.75%
07088	Vauxhall	$1,448	101.3%	5.97%	1.33%
07506	Hawthorne	$1,448	70.6%	4.24%	0.47%
07981	Whippany	$1,447	35.8%	4.85%	0.54%
07444	Pompton Plains	$1,447	40.3%	4.62%	0.81%
08097	Woodbury Heights	$1,445	52.9%	6.60%	1.10%
07063	Plainfield	$1,445	64.6%	6.29%	1.09%
07644	Lodi	$1,444	67.7%	3.65%	1.51%
07836	Flanders	$1,443	35.8%	4.18%	0.51%
08072	Quinton	$1,440	3.4%	0.94%	0.94%
08528	Kingston	$1,437	3.1%	1.16%	2.33%
07432	Midland Park	$1,436	20.8%	3.81%	1.01%
08012	Blackwood	$1,435	43.8%	4.93%	0.66%
07480	West Milford	$1,435	45.1%	3.88%	0.74%
08009	Berlin	$1,434	39.3%	4.48%	0.70%
08002	Cherry Hill	$1,430	60.8%	5.82%	0.79%
08332	Millville	$1,430	60.6%	4.45%	0.78%
07852	Ledgewood	$1,427	52.3%	5.86%	1.28%
08840	Metuchen	$1,425	28.1%	3.98%	0.37%
07424	Little Falls	$1,425	44.8%	3.90%	0.73%
08107	Oaklyn	$1,424	47.2%	3.28%	0.92%
07826	Branchville	$1,424	24.0%	3.32%	0.75%
07073	East Rutherford	$1,423	20.9%	2.97%	0.74%
07463	Waldwick	$1,421	31.8%	4.05%	0.94%
08628	Trenton	$1,419	38.9%	5.97%	0.38%
08857	Old Bridge	$1,418	40.9%	4.73%	0.63%
08518	Florence	$1,416	47.3%	4.95%	0.42%
08850	Milltown	$1,416	27.8%	3.73%	0.63%
07012	Clifton	$1,415	54.1%	3.69%	0.53%
07074	Moonachie	$1,415	25.3%	3.80%	1.90%
08520	Hightstown	$1,415	73.8%	10.34%	1.09%
08344	Newfield	$1,414	17.3%	3.12%	0.56%
07927	Cedar Knolls	$1,410	93.3%	4.23%	0.30%
08902	North Brunswick	$1,410	36.2%	5.50%	0.89%
08873	Somerset	$1,409	35.4%	5.25%	0.89%
08090	Wenonah	$1,406	191.5%	8.84%	0.99%
07421	Hewitt	$1,405	23.2%	3.16%	0.70%
07643	Little Ferry	$1,405	39.8%	4.08%	0.62%
08106	Audubon	$1,404	32.2%	3.88%	0.53%
08879	South Amboy	$1,403	38.7%	4.29%	0.39%
08071	Pitman	$1,402	26.7%	3.13%	0.72%
08060	Mount Holly	$1,402	47.1%	5.34%	0.76%
07023	Fanwood	$1,402	21.9%	3.79%	0.60%
08360	Vineland	$1,401	39.7%	4.29%	0.76%
07071	Lyndhurst	$1,399	34.2%	3.81%	0.87%
08326	Landisville	$1,399	15.9%	3.08%	1.37%
08848	Milford	$1,397	31.6%	3.51%	0.89%
08051	Mantua	$1,396	61.9%	3.61%	0.62%
08028	Glassboro	$1,396	53.2%	5.14%	0.86%
08824	Kendall Park	$1,395	33.5%	5.47%	0.43%
08805	Bound Brook	$1,395	95.1%	4.36%	0.75%
07628	Dumont	$1,392	30.9%	3.08%	1.30%
08066	Paulsboro	$1,391	15.8%	4.68%	0.99%
07860	Newton	$1,390	37.1%	3.29%	0.61%
07607	Maywood	$1,389	38.6%	3.43%	0.93%
07410	Fair Lawn	$1,388	38.1%	4.39%	1.16%
07203	Roselle	$1,388	91.1%	6.71%	0.78%
08810	Dayton	$1,387	28.6%	5.18%	1.10%
08021	Clementon	$1,386	40.0%	4.92%	1.00%
08804	Bloomsbury	$1,384	41.8%	4.85%	1.08%
08075	Riverside	$1,384	33.0%	4.78%	0.83%
08859	Parlin	$1,384	42.1%	3.99%	0.65%
07075	Wood Ridge	$1,382	42.1%	3.89%	0.81%
07418	Glenwood	$1,382	209.8%	4.18%	0.42%
08312	Clayton	$1,380	37.8%	6.09%	0.97%
07077	Sewaren	$1,380	83.7%	4.72%	0.79%
07083	Union	$1,379	39.9%	4.61%	0.76%
08096	Woodbury	$1,376	50.6%	5.03%	0.72%
08872	Sayreville	$1,376	48.7%	4.99%	0.44%
08105	Camden	$1,375	65.2%	4.44%	0.85%
08030	Gloucester City	$1,375	62.6%	4.10%	0.62%
08086	Thorofare	$1,375	18.1%	2.99%	0.39%
07013	Clifton	$1,373	26.3%	3.45%	0.52%
07876	Succasunna	$1,372	27.5%	3.48%	0.61%
07865	Port Murray	$1,371	19.7%	4.03%	0.47%
08554	Roebling	$1,368	20.8%	4.37%	0.73%
08341	Minotola	$1,367	57.8%	3.56%	1.19%
07067	Colonia	$1,364	38.5%	3.98%	0.62%
08084	Stratford	$1,363	27.5%	4.13%	0.87%
08882	South River	$1,362	41.6%	4.18%	1.13%
08854	Piscataway	$1,361	35.5%	5.08%	0.90%
08015	Browns Mills	$1,357	47.4%	4.52%	0.87%
08065	Palmyra	$1,355	22.6%	3.63%	0.55%
08832	Keasbey	$1,353	134.5%	4.38%	0.73%
08110	Pennsauken	$1,351	39.3%	4.84%	0.86%
07057	Wallington	$1,351	17.5%	2.67%	0.96%
08620	Trenton	$1,350	42.9%	6.32%	0.33%
08083	Somerdale	$1,347	29.8%	3.71%	0.60%
08023	Deepwater	$1,347	2.5%	1.61%	N/A
08638	Trenton	$1,342	57.8%	6.17%	0.66%
07851	Layton	$1,341	90.0%	5.75%	N/A
07440	Pequannock	$1,340	19.4%	3.03%	0.63%
07461	Sussex	$1,340	44.1%	3.87%	0.58%
08733	Lakehurst	$1,337	32.7%	2.40%	0.87%
07204	Roselle Park	$1,336	29.4%	4.04%	0.87%
08821	Flagtown	$1,335	10.9%	3.80%	N/A
07457	Riverdale	$1,335	34.0%	5.36%	0.38%
07662	Rochelle Park	$1,332	16.2%	3.73%	1.05%
07095	Woodbridge	$1,330	43.4%	4.22%	0.71%
07066	Clark	$1,330	25.9%	4.18%	0.54%
08029	Glendora	$1,329	57.0%	4.55%	0.35%
07054	Parsippany	$1,328	35.0%	4.09%	0.59%
08091	West Berlin	$1,328	45.0%	4.81%	0.71%
07442	Pompton Lakes	$1,327	57.7%	3.36%	0.43%
07438	Oak Ridge	$1,323	27.1%	4.30%	0.44%
07840	Hackettstown	$1,322	51.2%	4.58%	0.64%
07031	North Arlington	$1,321	27.0%	3.52%	1.03%
07460	Stockholm	$1,321	44.5%	2.45%	0.58%
07849	Lake Hopatcong	$1,320	84.3%	4.71%	0.84%
08093	Westville	$1,319	50.9%	4.13%	1.16%
07027	Garwood	$1,317	69.0%	3.22%	0.64%
07663	Saddle Brook	$1,316	22.5%	3.31%	1.08%
07080	South Plainfield	$1,314	29.2%	3.98%	0.64%
07407	Elmwood Park	$1,311	34.8%	3.70%	0.91%
07065	Rahway	$1,311	48.7%	4.86%	0.99%
07462	Vernon	$1,309	62.8%	4.65%	0.78%
07008	Carteret	$1,304	56.7%	3.74%	1.00%
07866	Rockaway	$1,304	33.7%	3.89%	0.80%
08863	Fords	$1,303	42.0%	4.09%	0.83%
08027	Gibbstown	$1,303	24.0%	4.14%	1.16%
07878	Mount Tabor	$1,302	24.1%	3.46%	0.38%
08690	Trenton	$1,302	36.1%	4.35%	0.33%
07035	Lincoln Park	$1,301	23.3%	4.04%	0.58%
07416	Franklin	$1,301	32.7%	4.07%	1.12%
08069	Penns Grove	$1,300	18.6%	3.67%	1.37%
08078	Runnemede	$1,298	37.6%	3.96%	0.80%
07863	Oxford	$1,297	23.9%	2.77%	0.58%
07828	Budd Lake	$1,296	35.3%	5.08%	0.39%
07827	Montague	$1,291	15.7%	2.99%	0.48%
07403	Bloomingdale	$1,288	49.0%	3.51%	0.52%
08619	Trenton	$1,286	57.0%	4.66%	0.35%
08837	Edison	$1,285	16.0%	3.76%	0.84%
08610	Trenton	$1,275	46.9%	5.48%	0.61%
08049	Magnolia	$1,275	25.6%	5.19%	1.34%
07419	Hamburg	$1,273	24.5%	3.49%	0.49%
08020	Clarksboro	$1,272	54.4%	3.95%	0.36%
08846	Middlesex	$1,272	26.4%	3.43%	0.80%
08884	Spotswood	$1,268	19.4%	3.31%	0.80%
07064	Port Reading	$1,267	22.2%	3.55%	0.12%
08007	Barrington	$1,262	44.4%	3.11%	0.69%
08328	Malaga	$1,260	28.3%	3.76%	0.75%
08063	National Park	$1,256	27.8%	3.67%	0.79%
08070	Pennsville	$1,255	36.9%	2.28%	0.44%
08052	Maple Shade	$1,250	42.3%	4.37%	0.66%
08869	Raritan	$1,250	31.3%	3.87%	0.52%
07036	Linden	$1,247	49.0%	4.00%	0.98%
07001	Avenel	$1,244	27.3%	3.94%	0.81%
07874	Stanhope	$1,243	66.7%	3.99%	0.64%
08817	Edison	$1,239	32.1%	4.31%	0.92%
07885	Wharton	$1,237	41.5%	2.98%	0.71%
08059	Mount Ephraim	$1,235	36.2%	3.41%	0.54%
07882	Washington	$1,234	71.4%	3.84%	0.52%
07857	Netcong	$1,231	28.8%	3.92%	0.22%
08828	Helmetta	$1,228	70.6%	3.90%	1.30%
07439	Ogdensburg	$1,223	29.1%	2.73%	1.09%
08759	Manchester Township	$1,220	40.8%	3.47%	0.41%
08031	Bellmawr	$1,219	26.3%	4.41%	0.58%
07422	Highland Lakes	$1,219	32.6%	3.64%	0.95%
07420	Haskell	$1,216	11.4%	2.19%	0.58%
07033	Kenilworth	$1,212	20.6%	3.50%	0.97%
08830	Iselin	$1,205	44.9%	4.53%	1.00%
07803	Mine Hill	$1,200	12.8%	3.23%	0.25%
07801	Dover	$1,200	26.8%	3.43%	0.37%
08880	South Bound Brook	$1,196	13.1%	2.31%	0.68%
08829	High Bridge	$1,186	31.5%	2.25%	0.43%
07850	Landing	$1,181	30.1%	4.13%	0.56%
07843	Hopatcong	$1,176	106.1%	5.11%	0.53%
07823	Belvidere	$1,173	47.3%	3.24%	1.10%
07847	Kenvil	$1,160	15.3%	3.63%	0.28%
08865	Phillipsburg	$1,158	56.3%	5.13%	0.99%
08757	Toms River	$1,154	30.2%	3.15%	0.42%
08835	Manville	$1,153	40.1%	3.19%	1.60%
07034	Lake Hiawatha	$1,124	34.7%	3.06%	0.65%

New Jersey Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How New Jersey compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in New Jersey

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to New Jersey ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

92.8

6th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on New Jersey FIO ZIPs

Most common top hazard

Earthquake

6 of 21 counties

Highest FEMA NRI counties in New Jersey
County	Risk score	Rating	Top hazard
Bergen	97.8	Relatively High	Coastal Flooding
Middlesex	97.8	Relatively High	Earthquake
Essex	97.7	Relatively High	Heat Wave

Counties with elevated FEMA hazard ratings in New Jersey
Hazard	Elevated counties	Share of joined
Winter weather	17	81%
Flooding	13	62%
Tornado	4	19%
Hurricane	3	14%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for New Jersey: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,858/yr here).

South Dakota $1,854/yr California $1,864/yr New York $1,896/yr Wyoming $1,902/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.85% here).

Alabama 0.85% Oklahoma 0.86% West Virginia 0.88% Oregon 0.88%

Frequently Asked Questions

What is the average homeowners insurance cost in New Jersey? ▼

Averaged across the 561 New Jersey ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,858. This is 5% above the national average of $1,776.

How have insurance premiums changed in New Jersey? ▼

New Jersey homeowners insurance premiums changed by +1.8% between 2018 and 2022. The 2022 average loss ratio is 41.4%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in New Jersey? ▼

The most expensive ZIP code for homeowners insurance in New Jersey is 07723, with an average premium of $8,535/yr. The most affordable is 07034 at $1,124/yr.

What is the nonrenewal rate for New Jersey homeowners insurance? ▼

Averaged across the New Jersey ZIP codes that report one, the nonrenewal rate is 0.85%. This rate has changed by +48.4% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 07050 has the highest nonrenewal rate in the state at 2.97%.

What is a loss ratio and what does New Jersey's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. New Jersey's 2022 average loss ratio is 41.4%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in New Jersey? ▼

The average claim frequency in New Jersey is 4.81%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $15,090. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in New Jersey? ▼

Across 21 FEMA National Risk Index counties that join to New Jersey ZIP codes in the FIO file, the mean county risk score is 92.8 (34% above the 50-state mean of 69.3). The most common county-level top hazard is Earthquake (6 of 21 counties). Elevated (Relatively High or Very High) county ratings concentrate in Winter weather (17), Flooding (13), Tornado (4). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

New Jersey in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

New Jersey ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are 2022 averages across ZIP-level U.S. Treasury FIO observations (changes compare 2018 with 2022), a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

New Jersey Homeowners Insurance

How New Jersey Compares

Data Snapshot: New Jersey Homeowners Insurance

Loss Ratio Reading: New Jersey

Premium Trends (2018-2022)

Average premium in New Jersey, 2018–2022

Most Expensive ZIP Codes in New Jersey

Most Affordable ZIP Codes in New Jersey

All ZIP Codes in New Jersey

New Jersey Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

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