Looking for the best car insurance in Jersey City? There’s no one-size-fits-all policy, as various factors are taken into account when determining your car insurance quotes in Jersey City. In addition to New Jersey’s state requirements, insurers also take note of the driver’s personal circumstances, such as location and driving record, among other factors. Getting the most accurate car insurance rates in Jersey City means you also need to regularly request personalized quotes based on your specific needs.
Compare the Cheapest Car Insurance Quotes in Jersey City, NJ
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Average Cost of Car Insurance in Jersey City
Jersey City$1,573
New Jersey$1,674
U.S.$1,424
In Jersey City, the average cost of car insurance is $1,573 per year, which is lower than the state average but higher than the national rate. Generally, drivers living in Jersey City will pay about 6% less than New Jersey’s average of $1,674 per year. On the other hand, drivers who live in Jersey City will pay about 10.4% more than the $1,424 average premium in the United States per year.
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The Best Cheap Car Insurance Companies in Jersey City
Car insurance companies in Jersey City give each driver different rates, so you need to compare their personalized quotes to find a good deal for you. Out of the 10 surveyed insurers in the city, GEICO offers the most affordable car insurance premium average of $896 per year. In fact, for most drivers, a policy from GEICO is less than half as expensive as similar coverage with Esurance, the most expensive auto coverage provider in Jersey City.
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- CompanyAmountper year
- 1. GEICO$896
- 2. New Jersey Manufacturers$1,232
- 3. MetLife$1,324
- 4. Progressive$1,343
- 5. Allstate$1,480
Personalized Quotes to Get You the Cheapest Car Insurance in Jersey City
Location isn’t the only factor taken into account when computing your car insurance quotes in Jersey City. Other factors like age, driving record, coverage level and make and model of your vehicle are crucial aspects as well. In Jersey City, for example, Allstate coverage for an 18-year-old male driver costs $4,340 annually on average, which is nearly three times more costly than similar coverage for a 40-year-old male driver.
In order to offer you the best possible car insurance rates in Jersey City, insurers consider individual factors that can affect the risks associated with you as a driver. As your circumstances change over time, you need to regularly request personalized quotes from several companies, since you may be eligible for discounts and promotions.
Compare Car Insurance Rates in Jersey City
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Jersey City by Coverage Amount
How much car insurance coverage you purchase in Jersey City also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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New Jersey Minimum Liability Requirements
- ItemDescription
- Property Damage$5,000 for property damage. A more protective level is 100/300/100.
- Personal Injury Protection$15,000 per person.
Getting the best car insurance in Jersey City also means understanding that every level of coverage has specific limits. For example, in Jersey City, GEICO offers both 50/100/50 liability-only and full-coverage plans which can cover up to $50,000 of medical bills for one person — up to $100,000 per vehicle — together with $50,000 of coverage for property damage.
The 50/100/50 full-coverage plan from GEICO costs an average of $245 more than the liability-only policy, as it also includes additional coverage like collision coverage and comprehensive insurance. If the premium difference between the two levels of coverage is minimal, it may be a good choice for you to get the full-coverage policy, as it can also cover your own costs in case of an accident.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. GEICO$438$567
- 2. New Jersey Manufacturers$687$804
- 3. Progressive$772$917
- 4. MetLife$977$1,037
- 5. Allstate$826$1,007
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. GEICO$812$896
- 2. New Jersey Manufacturers$1,087$1,232
- 3. Progressive$1,198$1,343
- 4. MetLife$1,342$1,324
- 5. Allstate$1,380$1,480
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Cheapest Car Insurance in Jersey City if You Have Tickets
Getting a moving violation on your driving record may mean you need to pay more for your car insurance in Jersey City. The average driver with a clean record will pay an average of $1,343 per year for a Progressive policy, but the cost of insurance increases for drivers with a speeding ticket, as their average annual premium is $1,721 for similar coverage from the same company.
A DUI on your driving record can also significantly hike your car insurance rates in Jersey City. For example, Travelers policyholders with a DUI on their record will pay around $1,026 more for their policy than a driver with a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. GEICO$896$1,230$1,744
- 2. New Jersey Manufacturers$1,464$1,232$1,464
- 3. Progressive$1,721$2,279$1,541
- 4. Allstate$1,779$2,406$2,082
- 5. Travelers$2,260$2,863$2,716
Average Cost of Car Insurance by Postal Code
In Jersey City, the average annual cost of car insurance barely varies at all based on your ZIP code. Drivers living in ZIP code 07307 will pay just $9 more for their auto insurance coverage than drivers who live in ZIP code 07305.
- Zip CodeState Minimumper year
- 07305$1,567
- 07306$1,576
- 07307$1,576
Insurance Providers That Serve Jersey City
Factors That Impact Insurance Costs in Jersey City
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Jersey City. How Jersey City ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Jersey City could save you $677, which is enough to buy:
226Cups of Coffee
52Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Jersey City are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Jersey City
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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