In Jersey City, the cheapest car insurance for full coverage is with Plymouth Rock Assurance, while minimum coverage and families with teens find GEICO the most affordable. Amica Mutual tops the list for customer service and best overall insurer, offering good value and service. Choose your insurance provider based on your unique preferences and coverage needs.
Cheapest and Best Car Insurance in Jersey City, NJ (July 2024)
GEICO offers Jersey City, New Jersey's cheapest minimum coverage for car insurance at $497 annually. Amica Mutual scores 89 (out of 100), securing the top spot for affordability and service.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Rae Osborn
Content Editor
Dr. Rae Osborn is a MoneyGeek content editor with over seven years of editing experience and over 20 years of experience in publishing and writing science content. She also works as a science researcher, writer and editor and a professional reviewer for Science Reviews and Advances in Entomology.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Rae Osborn
Content Editor
Dr. Rae Osborn is a MoneyGeek content editor with over seven years of editing experience and over 20 years of experience in publishing and writing science content. She also works as a science researcher, writer and editor and a professional reviewer for Science Reviews and Advances in Entomology.
Updated: October 3, 2024
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Cheapest and Best Car Insurance in Jersey City
Why Trust MoneyGeary? We analyzed 25,584 quotes in New Jersey, including the city of Jersey City, from 12 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Jersey City insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Jersey City, NJ, as of July 2024.
Cheapest Minimum Liability Car Insurance in Jersey City
MoneyGeek found that GEICO is the cheapest option in Jersey City, with the most affordable minimum coverage for car insurance. You can compare rates and find the cheapest car insurance that fits your needs. Here are the two most budget-friendly providers:
- GEICO: $497 per year
- Plymouth Rock Assurance: $579 per year
Hanover offers the most expensive minimum coverage policy in Jersey City at $2,449 per year.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
GEICO | Annual Premium$497 | Monthly Premium$41 |
Plymouth Rock Assurance | Annual Premium$579 | Monthly Premium$48 |
NJM | Annual Premium$704 | Monthly Premium$59 |
Mercury | Annual Premium$1,137 | Monthly Premium$95 |
Progressive | Annual Premium$1,142 | Monthly Premium$95 |
Allstate | Annual Premium$1,186 | Monthly Premium$99 |
New Jersey Skylands Insurance | Annual Premium$1,286 | Monthly Premium$107 |
Travelers | Annual Premium$1,319 | Monthly Premium$110 |
Foremost | Annual Premium$1,602 | Monthly Premium$134 |
State Farm | Annual Premium$1,623 | Monthly Premium$135 |
Amica Mutual | Annual Premium$1,901 | Monthly Premium$158 |
Hanover | Annual Premium$2,449 | Monthly Premium$204 |
In New Jersey, all cities, including Jersey City, follow state law regarding the minimum required car insurance coverage. Here's a breakdown of the essentials:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage liability per accident: $25,000
- Personal injury protection (PIP) per person: $15,000
If you choose to only have minimum coverage and injure someone in a car accident, your policy will cover up to $25,000 for that person's injuries. However, if their medical bills exceed this amount, you're responsible for paying the difference.
Cheapest Full Coverage Car Insurance in Jersey City
MoneyGeek found that Plymouth Rock Assurance is the most affordable option in Jersey City for drivers seeking the cheapest full coverage car insurance.
- Plymouth Rock Assurance: $1,096 per year
- GEICO: $1,105 per year
At $5,004 annually, Hanover offers the most expensive full coverage policy in Jersey City. The difference of $3,908 between the cheapest and most expensive insurer shows why it is important to shop around for car insurance.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Plymouth Rock Assurance | Annual Premium$1,096 | Monthly Premium$91 |
GEICO | Annual Premium$1,105 | Monthly Premium$92 |
NJM | Annual Premium$1,117 | Monthly Premium$93 |
Progressive | Annual Premium$1,909 | Monthly Premium$159 |
Allstate | Annual Premium$2,013 | Monthly Premium$168 |
Mercury | Annual Premium$2,053 | Monthly Premium$171 |
Travelers | Annual Premium$2,057 | Monthly Premium$171 |
State Farm | Annual Premium$2,358 | Monthly Premium$196 |
New Jersey Skylands Insurance | Annual Premium$2,376 | Monthly Premium$198 |
Amica Mutual | Annual Premium$2,754 | Monthly Premium$230 |
Foremost | Annual Premium$3,193 | Monthly Premium$266 |
Hanover | Annual Premium$5,004 | Monthly Premium$417 |
Full coverage policies increase liability limits and also include comprehensive and collision insurance.
Collision insurance: This safeguards against costs incurred from damages to your own vehicle after an impact with another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive insurance: This encompasses financial protection against damage to your car from non-collision incidents such as theft or weather-related damages, natural disasters and being struck by an animal like a deer.
Securing full coverage insurance is advised for new vehicles. However, this level of protection may not be as cost-effective for older vehicles when considering the higher costs involved. Careful consideration of your insurance needs is essential when determining the amount of car insurance that is right for you.
Cheapest Car Insurance in Jersey City After a Driving Offense
MoneyGeek found that drivers with a less-than-perfect driving record in Jersey City could still find affordable full coverage car insurance options. Here are the most cost-effective choices for those with a specific driving incident:
- Speeding Ticket: GEICO ($1,116 per year)
- At-fault accident: NJM ($1,149 per year)
- DUI: Plymouth Rock Assurance ($1,244 per year)
Insurance rates can increase considerably for individuals with a severe driving offense such as a DUI. The most expensive rates for these incidents can go as high as $9,479 annually, indicating the significant impact that the severity of a driving offense can have on insurance premiums.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
GEICO | Annual Premium$1,116 | Monthly Premium$93 |
Plymouth Rock Assurance | Annual Premium$1,244 | Monthly Premium$104 |
NJM | Annual Premium$1,312 | Monthly Premium$109 |
Mercury | Annual Premium$2,028 | Monthly Premium$169 |
Progressive | Annual Premium$2,062 | Monthly Premium$172 |
State Farm | Annual Premium$2,388 | Monthly Premium$199 |
Allstate | Annual Premium$2,478 | Monthly Premium$206 |
Amica Mutual | Annual Premium$2,527 | Monthly Premium$211 |
New Jersey Skylands Insurance | Annual Premium$2,955 | Monthly Premium$246 |
Travelers | Annual Premium$2,973 | Monthly Premium$248 |
Foremost | Annual Premium$3,565 | Monthly Premium$297 |
Hanover | Annual Premium$5,004 | Monthly Premium$417 |
In Jersey City, insurance rates escalate with the severity of a driving offense as insurers adjust premiums to reflect the increased risk of costly claims associated with these drivers. For example, drivers with a single speeding ticket may face an average annual rate of $3,564, while those with a DUI could see rates soar to approximately $6,006.
Cheapest Car Insurance in Jersey City for Teens and Their Families
MoneyGeek found that GEICO offers the cheapest car insurance for teens in Jersey City.
- GEICO: $2,193 per year for female teens and $2,358 per year for male teens
- Travelers: $3,230 per year for female teens and $3,557 per year for male teens
These rates are for a policy covering two parents and a teen driver in Jersey City. Foremost has the most expensive policy for teens, with an annual premium of $6,664 for female teens and $7,416 for male teens. Male teens typically pay higher rates as they are statistically more likely to engage in risky driving behavior.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
GEICO | Family Plan Annual Premium$2,193 | Individual Plan Monthly Premium$2,389 |
Travelers | Family Plan Annual Premium$3,230 | Individual Plan Monthly Premium$5,698 |
State Farm | Family Plan Annual Premium$4,046 | Individual Plan Monthly Premium$4,634 |
Progressive | Family Plan Annual Premium$4,127 | Individual Plan Monthly Premium$12,677 |
Allstate | Family Plan Annual Premium$5,016 | Individual Plan Monthly Premium$5,679 |
Foremost | Family Plan Annual Premium$6,664 | Individual Plan Monthly Premium$13,129 |
In Jersey City, there is a large cost discrepancy between teen auto insurance premiums for individual policies versus those added to a family plan. On average, a teen opting for an individual policy can expect to pay around $8,284 annually. In contrast, the inclusion of a teen in a family plan averages about $4,903. Insurers often set higher rates for individual teen policies due to the increased risk associated with younger, less experienced drivers.
Cheapest Car Insurance in Jersey City for Military Drivers
MoneyGeek found that Plymouth Rock Assurance offers the most affordable option in Jersey City for full coverage car insurance for those with military backgrounds. Top providers are:
- Plymouth Rock Assurance: $1,096 per year
- GEICO: $1,105 per year
While these providers lead in affordability, USAA, although not listed in the dataset for Jersey City, is known nationally for competitively priced insurance policies and services tailored to the needs of active duty military members.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Plymouth Rock Assurance | Annual Premium$1,096 | Monthly Premium$91 |
GEICO | Annual Premium$1,105 | Monthly Premium$92 |
NJM | Annual Premium$1,117 | Monthly Premium$93 |
Progressive | Annual Premium$1,909 | Monthly Premium$159 |
Allstate | Annual Premium$2,013 | Monthly Premium$168 |
Mercury | Annual Premium$2,053 | Monthly Premium$171 |
Travelers | Annual Premium$2,057 | Monthly Premium$171 |
State Farm | Annual Premium$2,358 | Monthly Premium$196 |
New Jersey Skylands Insurance | Annual Premium$2,376 | Monthly Premium$198 |
Amica Mutual | Annual Premium$2,754 | Monthly Premium$230 |
Foremost | Annual Premium$3,193 | Monthly Premium$266 |
Hanover | Annual Premium$5,004 | Monthly Premium$417 |
How to Compare Cheap Jersey City Car Insurance Quotes Online
In Jersey City, you can find the most affordable car insurance rates by using MoneyGeek's car insurance calculator. By inputting just a few key details, such as age, driving record, credit score and desired coverage level, you can quickly receive tailored rate estimates, allowing for immediate savings without the hefty time investment.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 08, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Jersey City: Overview
Selecting the optimal auto insurance policy requires weighing factors such as service quality, costs, coverage and more. MoneyGeek's unique scoring system evaluates each of these aspects to identify the top insurance providers in Jersey City for different customer priorities:
- Best overall: Amica Mutual (MoneyGeek score 89 out of 100)
- Best for service: Amica Mutual (MoneyGeek score 97 out of 100)
- Best cheap: Plymouth Rock Assurance (MoneyGeek score 86 out of 100)
Amica Mutual is the best provider in Jersey City for overall value and service; if cost is your main concern without greatly sacrificing service, Plymouth Rock Assurance offers an affordable option with a solid service experience.
Overall Best Car Insurance in Jersey City
MoneyGeek found that Amica Mutual is the best option in Jersey City for individuals seeking the best car insurance.
- Amica Mutual: MoneyGeek score of 89 out of 100 ($2,754 per year)
- Plymouth Rock Assurance: MoneyGeek score of 86 out of 100 ($1,096 per year)
Amica Mutual has strong performance, particularly in satisfaction and claims handling.
Amica Mutual stands out for its high MoneyGeek score, which indicates overall customer satisfaction and the assurance of a full coverage policy. Amica Mutual offers roadside assistance and is known for excellent claims handling. It also offers useful coverages like glass deductible modification and reasonably common coverages like new car replacement and accident forgiveness.
Ranks first in the city for claims satisfaction
Offers coverages like accident forgiveness and glass deductible modification
Ranks tenth in the city for cost, with an average annual premium of $2,754
Does not offer original equipment manufacturer (OEM) coverage
MoneyGeek prioritizes customer satisfaction and cost when rating Jersey City car insurance, also considering claims processes, coverage options and insurer stability.
Best Car Insurance in Jersey City for Customer Service
MoneyGeek found that Amica Mutual is the best option in Jersey City when it comes to car insurance based on customer service. This determination is made with a focus on general satisfaction, claims handling and coverages, with no consideration given to rates.
- Amica Mutual: MoneyGeek score of 97 out of 100 ($2,754 per year)
- Plymouth Rock Assurance: MoneyGeek score of 82 out of 100 ($1,095 per year)
Amica Mutual's has a high MoneyGeek score. It offers both common and rare coverages. It has exceptional satisfaction and claims handling scores. It does offer new car replacement and accident forgiveness coverages. The excellent scores for coverage and satisfaction contribute to Amica Mutual's top score for customer service.
Ranks well in the city for general customer satisfaction
Ranks well in the city for claims satisfaction
Offers rare coverages
Does not offer OEM coverage
MoneyGeek evaluates Jersey City car insurers prioritizing customer satisfaction and claims service, with coverage options and company solvency as key factors.
Best Cheap Car Insurance Companies in Jersey City
Plymouth Rock Assurance is the best option for cheap car insurance in Jersey City, striking the ideal balance between affordability and customer satisfaction. This is based on a comprehensive evaluation that takes into account not just cost but also overall customer happiness.
- Plymouth Rock Assurance: MoneyGeek score of 86 out of 100 ($579 per year)
- NJM: MoneyGeek score of 83 out of 100 ($704 per year)
Plymouth Rock Assurance excels with a MoneyGeek score that reflects its competitive annual premium and its high marks in customer satisfaction.
Plymouth Rock Assurance leads with exceptional coverage and satisfaction, significantly influencing its top MoneyGeek score. On average, drivers pay just $579 annually for minimum coverage, highlighting remarkable affordability.
Plymouth Rock Assurance offers several of the most common discounts, including bundling, multiple car and safe driving. This helps to save you even more on your insurance.
Offers common discounts like bundling and safe driving
Ranks high for cost with an average annual premium of $579 for minimum coverage
Does not rank top for claims satisfaction
MoneyGeek's Jersey City car insurance rankings prioritize cost-effective minimum coverage and customer satisfaction, while also evaluating claims processes, options and company solidity.
Average Cost of Car Insurance in Jersey City
In Jersey City, the average cost of car insurance is $2,307. When compared to the statewide average cost of car insurance in New Jersey, which is $2,355, Jersey City's average car insurance cost is actually slightly less, by $48. Both the city and state figures exceed the national average cost of car insurance, which is $1,781, with New Jersey's average being higher than the national rate.
Location plays a key role in determining car insurance premiums. This is because location influences factors such as accident rates, crime levels and traffic congestion. Newark is the New Jersey city with the most expensive car insurance premiums at $2,677. Jersey City ranks as the cheapest among the surveyed cities.
Elizabeth | Annual Premium$2,598 |
Jersey City | Annual Premium$2,307 |
Newark | Annual Premium$2,677 |
Paterson | Annual Premium$2,651 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.