Cheapest Car Insurance in Jersey City, NJ (2025)

Jersey City drivers pay an average of $1,584 per year for minimum coverage and $2,676 per year for full coverage. Jersey City has some of New Jersey's highest rates due to high population density, the city's motor vehicle theft and heavy traffic congestion. 

• Cheapest minimum liability coverage: Plymouth Rock has Jersey City's cheapest minimum coverage at $977 per year ($81 monthly). That's 38% lower than the city average of $1,584, saving you $607 annually. NJM ranks second for minimum coverage at $1,034 per year ($86 monthly), a 34% savings compared to the city average.
• Cheapest full coverage: NJM offers the lowest full coverage at $1,681 annually ($140 monthly), 37% below the city average of $2,676. That's $995 in annual savings. Plymouth Rock's full coverage costs $1,731 per year ($144 monthly), still 35% below the city average but $50 more than NJM annually.

Young drivers in Jersey City face the steepest car insurance rates, while adults and seniors enjoy more affordable options. Below are the most affordable car insurance companies in Jersey City by age group:

• Adults: Plymouth Rock and NJM offer the lowest rates
• Seniors: Selective and Amica provide the best value
• Young drivers: GEICO and NJM deliver the most competitive pricing

Seniors over 50 can reduce their NJM premiums by completing the company's Mature Driver Improvement Program.

Car insurance is more expensive if you have a history of driving violations. Here are your cheapest car insurance options in Jersey City by violation type:

• Accident: NJM at $93 and Plymouth Rock at $109 monthly
• Ticket: Plymouth Rock at $92 and Selective at $93 monthly
• DUI: Plymouth Rock at $96 and NJM at $105 monthly

Minor violations in New Jersey stay on your record for three years before rates decrease.

Jersey City drivers face different car insurance costs depending on their neighborhood. Full coverage averages $243 monthly in ZIP code 07306, making it the most expensive area. Meanwhile, residents in ZIP codes 07302 and 07311 pay the lowest rates at $214 monthly. Check the table below for complete pricing details across all Jersey City ZIP codes.

Plymouth Rock achieves a 94 out of 100 score on MoneyGeek's rating scale. Amica follows closely with a solid 90 out of 100 rating. Plymouth Rock offers good coverage and affordability. 

We assessed these rankings through agent network evaluations, complaint data from the National Association of Insurance Commissioners, J.D. Power research and customer reviews.

Amica offers a superior customer experience. Both companies have financial stability ratings.

See below for why each insurer is best and which fits your needs.

Research multiple insurers, reduce your premiums and select appropriate coverage for your needs:

Our insurance experts provide answers to common questions about finding affordable coverage in Jersey City:

Jersey City drivers pay some of New Jersey's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the New Jersey Division of Insurance and Quadrant Information Services. Our research covered all Jersey City ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by Jersey City's urban location, which leads to increased traffic density and higher accident rates, plus elevated crime rates including vehicle theft compared to the state average.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (New Jersey's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing theft claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Jersey City risks like uninsured motorists and theft in high-risk areas.