Cheapest and Best Car Insurance in Jersey City, NJ (July 2024)


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Updated: October 3, 2024

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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.

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2024

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.

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These rates reflect the cheapest car insurance quotes in Jersey City, NJ, as of July 2024.

25,584Quotes Analyzed
 
12Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$497Monthly Premium$41
Plymouth Rock AssuranceAnnual Premium$579Monthly Premium$48
NJMAnnual Premium$704Monthly Premium$59
MercuryAnnual Premium$1,137Monthly Premium$95
ProgressiveAnnual Premium$1,142Monthly Premium$95
AllstateAnnual Premium$1,186Monthly Premium$99
New Jersey Skylands InsuranceAnnual Premium$1,286Monthly Premium$107
TravelersAnnual Premium$1,319Monthly Premium$110
ForemostAnnual Premium$1,602Monthly Premium$134
State FarmAnnual Premium$1,623Monthly Premium$135
Amica MutualAnnual Premium$1,901Monthly Premium$158
HanoverAnnual Premium$2,449Monthly 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Plymouth Rock AssuranceAnnual Premium$1,096Monthly Premium$91
GEICOAnnual Premium$1,105Monthly Premium$92
NJMAnnual Premium$1,117Monthly Premium$93
ProgressiveAnnual Premium$1,909Monthly Premium$159
AllstateAnnual Premium$2,013Monthly Premium$168
MercuryAnnual Premium$2,053Monthly Premium$171
TravelersAnnual Premium$2,057Monthly Premium$171
State FarmAnnual Premium$2,358Monthly Premium$196
New Jersey Skylands InsuranceAnnual Premium$2,376Monthly Premium$198
Amica MutualAnnual Premium$2,754Monthly Premium$230
ForemostAnnual Premium$3,193Monthly Premium$266
HanoverAnnual Premium$5,004Monthly 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
GEICOAnnual Premium$1,116Monthly Premium$93
Plymouth Rock AssuranceAnnual Premium$1,244Monthly Premium$104
NJMAnnual Premium$1,312Monthly Premium$109
MercuryAnnual Premium$2,028Monthly Premium$169
ProgressiveAnnual Premium$2,062Monthly Premium$172
State FarmAnnual Premium$2,388Monthly Premium$199
AllstateAnnual Premium$2,478Monthly Premium$206
Amica MutualAnnual Premium$2,527Monthly Premium$211
New Jersey Skylands InsuranceAnnual Premium$2,955Monthly Premium$246
TravelersAnnual Premium$2,973Monthly Premium$248
ForemostAnnual Premium$3,565Monthly Premium$297
HanoverAnnual Premium$5,004Monthly 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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,193Individual Plan Monthly Premium$2,389
TravelersFamily Plan Annual Premium$3,230Individual Plan Monthly Premium$5,698
State FarmFamily Plan Annual Premium$4,046Individual Plan Monthly Premium$4,634
ProgressiveFamily Plan Annual Premium$4,127Individual Plan Monthly Premium$12,677
AllstateFamily Plan Annual Premium$5,016Individual Plan Monthly Premium$5,679
ForemostFamily Plan Annual Premium$6,664Individual 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Plymouth Rock AssuranceAnnual Premium$1,096Monthly Premium$91
GEICOAnnual Premium$1,105Monthly Premium$92
NJMAnnual Premium$1,117Monthly Premium$93
ProgressiveAnnual Premium$1,909Monthly Premium$159
AllstateAnnual Premium$2,013Monthly Premium$168
MercuryAnnual Premium$2,053Monthly Premium$171
TravelersAnnual Premium$2,057Monthly Premium$171
State FarmAnnual Premium$2,358Monthly Premium$196
New Jersey Skylands InsuranceAnnual Premium$2,376Monthly Premium$198
Amica MutualAnnual Premium$2,754Monthly Premium$230
ForemostAnnual Premium$3,193Monthly Premium$266
HanoverAnnual Premium$5,004Monthly 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.

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Rates updated:

Oct 08, 2024

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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.

Company logo for Amica Mutual
Best OverallAmica Mutual
MoneyGeek Score:
89/ of 100

Overview

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.

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)
Company logo for Amica Mutual
Best for Customer ServiceAmica Mutual
MoneyGeek Score:
97/ of 100

Overview

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.

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.

Company logo for Plymouth Rock Assurance
Best Cheap CompanyPlymouth Rock Assurance
MoneyGeek Score:
86/ of 100

Overview

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.

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.

ElizabethAnnual Premium$2,598
Jersey CityAnnual Premium$2,307
NewarkAnnual Premium$2,677
PatersonAnnual Premium$2,651

About Mark Fitzpatrick


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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.