Which county in New Jersey has the lowest homeowners insurance?

Cumberland has the lowest homeowners insurance in New Jersey, at $1,667.

What is the homeowners insurance in Cumberland?

Cumberland is ranked #1 in New Jersey for homeowners insurance, at $1,667.

How is this homeowners insurance ranking calculated?

Counties in New Jersey are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in New Jersey (2026)

Full county table and CSV download: Home insurance by county in New Jersey

Cheapest counties for homeowners insurance in New Jersey

Top 21 of 21 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in New Jersey

Rank	County	Value
01	Cumberland$1,667 County page
02	Warren$1,710 County page
03	Gloucester$1,810 County page
04	Sussex$1,830 County page
05	Morris$1,874 County page
06	Camden$1,880 County page
07	Middlesex$1,946 County page
08	Burlington$1,983 County page
09	Atlantic$2,011 County page
10	Salem$2,017 County page
11	Hunterdon$2,088 County page
12	Union$2,127 County page
13	Ocean$2,142 County page
14	Passaic$2,169 County page
15	Somerset$2,177 County page
16	Mercer$2,187 County page
17	Cape May$2,305 County page
18	Bergen$2,415 County page
19	Hudson$2,430 County page
20	Essex$2,543 County page
21	Monmouth$2,883 County page

How this ranking works

This page ranks New Jersey counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Frequently asked questions

Which county in New Jersey has the lowest homeowners insurance?: Cumberland has the lowest homeowners insurance in New Jersey, at $1,667.
What is the homeowners insurance in Cumberland?: Cumberland is ranked #1 in New Jersey for homeowners insurance, at $1,667.
How is this homeowners insurance ranking calculated?: Counties in New Jersey are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.