Cheapest and Best Car Insurance Companies in Jersey City, NJ


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ByMark Fitzpatrick
Edited byKathryn Schroeder
ByMark Fitzpatrick
Edited byKathryn Schroeder

Updated: May 20, 2024

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The most affordable insurer in Jersey City depends on your needs and driving profile. GEICO is the cheapest for minimum coverage, full coverage, military drivers, teen drivers on a family policy and with a speeding ticket. NJM is the ideal insurer with an at-fault accident or if you have a DUI. Amica Mutual is the best insurer for balancing affordability and quality service.

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2024

Cheapest and Best Car Insurance in Jersey City, NJ

Why Trust MoneyGeek? We rated the insurance companies in Jersey City based on our unique scoring system. The scores for this study were determined by analyzing data and information from Quadrant Information Services and the New Jersey Department of Banking and Insurance.

25,584Quotes Analyzed
 
12Companies Compared

Cheapest Minimum Liability Car Insurance in Jersey City

The average cheapest car insurance providers in Jersey City for a minimum coverage policy are:

  • GEICO: $444 per year
  • Amica Mutual: $471 per year

Hanover is the most costly auto insurance company for minimum coverage in Jersey City, with a price of roughly $2,359 per year.

GEICO also has the cheapest car insurance in New Jersey for this policy. The company’s state average cost for minimum coverage, however, is slightly higher than in Jersey City at $478 per year. That displays how location can affect auto insurance costs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$444Monthly Premium$37
Amica MutualAnnual Premium$471Monthly Premium$39
Plymouth Rock AssuranceAnnual Premium$545Monthly Premium$45
NJMAnnual Premium$557Monthly Premium$46
ProgressiveAnnual Premium$770Monthly Premium$64
AllstateAnnual Premium$906Monthly Premium$76
TravelersAnnual Premium$1,043Monthly Premium$87
MercuryAnnual Premium$1,127Monthly Premium$94

According to the New Jersey minimum car insurance requirements, a basic policy must include property damage liability and personal injury protection. The limits are as follows:

  • $5,000 property damage liability per accident
  • $15,000 personal injury protection, per person, per accident

Liability-only car insurance pays for the injury of the other driver and passengers and property damage costs if you are at fault in an accident. New Jersey’s basic minimum coverage covers a maximum of $5,000 for property damage and up to $15,000 for your injuries in an accident. If the expenses exceed these limits, you will pay for them out of pocket. New Jersey’s basic minimum coverage policy does not include bodily injury liability protection for the other driver or passengers. You would be liable for damages to them.

Cheapest Full Coverage Car Insurance in Jersey City

MoneyGeek discovered that, on average, the most affordable companies in Jersey City for a full coverage policy are:

  • GEICO: $986 per year
  • NJM Insurance Group: $995 per year

The most expensive full coverage policy comes from Hanover, at about $4,818 per year.

NJM Insurance Group has the average cheapest full coverage auto insurance in New Jersey, differing from the lowest-priced insurer in Jersey City, GEICO. NJM's average annual cost in Jersey City is $995. Actual car insurance rates vary depending on your location.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$986Monthly Premium$82
NJMAnnual Premium$995Monthly Premium$83
Plymouth Rock AssuranceAnnual Premium$1,008Monthly Premium$84
Amica MutualAnnual Premium$1,192Monthly Premium$99
ProgressiveAnnual Premium$1,315Monthly Premium$110
TravelersAnnual Premium$1,607Monthly Premium$134
AllstateAnnual Premium$1,664Monthly Premium$139
State FarmAnnual Premium$1,775Monthly Premium$148

A full coverage policy comprises liability coverage plus comprehensive and collision insurance.

  • Comprehensive Insurance: This covers expenses related to the replacement or repair of your car if it gets damaged by a non-collision incident like vandalism.
  • Collision Insurance: If your car gets damaged from colliding with another car or object, this coverage will pay for the repair or replacement costs.

You may want to avoid getting full coverage insurance with an older car with a low value since you may pay more than the cash value of the vehicle.

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Cheapest Car Insurance in Jersey City After a Driving Offense

On average, the most affordable insurance provider in Jersey City if you have a driving violation on your record and need a full coverage policy is:

  • Speeding ticket: GEICO ($986 per year)
  • At-fault accident: NJM Insurance Group ($995 per year)
  • DUI: NJM Insurance Group ($1,136 per year)

Hanover has the average highest full coverage rate if you have a speeding ticket ($4,818 per year), at-fault accident ($6,861 per year) or DUI ($7,624 per year) on your record.

A poor driving record can significantly increase your premium, causing you to pay a higher cost, even with the cheapest company, than a driver with a clean record.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
GEICOAnnual Premium$986Monthly Premium$82
NJMAnnual Premium$1,136Monthly Premium$95
Plymouth Rock AssuranceAnnual Premium$1,162Monthly Premium$97
Amica MutualAnnual Premium$1,430Monthly Premium$119
ProgressiveAnnual Premium$1,688Monthly Premium$141
State FarmAnnual Premium$1,775Monthly Premium$148
MercuryAnnual Premium$1,842Monthly Premium$154
AllstateAnnual Premium$2,018Monthly Premium$168

Your rate may spike considerably depending on the severity of your traffic violation. For instance, in Jersey City, the full coverage annual premium increases from around $1,873 to $3,424, a difference of about $1,551, after a DUI. With a speeding ticket, the driver pays roughly $2,110 a year, which is $238 more than before the violation. Comparing quotes from different insurers enables you to secure the cheapest auto insurance for a bad driving record.

Cheapest Car Insurance in Jersey City for Teens and Their Families

The following companies are the average cheapest providers of full coverage auto insurance for teen drivers on a family policy 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

The priciest auto insurance provider in Jersey City for this policy is Foremost, charging an average of $6,664 for female teens and $7,416 for male teens.

Male teens tend to pay more for car insurance than female teens because they are seen as riskier to insure. The difference in rates, however, starts to diminish in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,193Individual Plan Monthly Premium$5,220
TravelersFamily Plan Annual Premium$3,230Individual Plan Monthly Premium$11,243
State FarmFamily Plan Annual Premium$4,046Individual Plan Monthly Premium$13,963
ProgressiveFamily Plan Annual Premium$4,127Individual Plan Monthly Premium$20,726
AllstateFamily Plan Annual Premium$5,016Individual Plan Monthly Premium$11,298
ForemostFamily Plan Annual Premium$6,664Individual Plan Monthly Premium$20,244

A teen’s rate will be significantly higher if they get an individual policy, and to do so, they may need parental consent. A male 16-year-old Jersey City teen driver pays about $6,559 per year for an individual policy. Adding the same driver to a family policy may lower the rate to roughly $3,705 a year. That is a difference of around $2,854 annually. When selecting a policy, you can compare costs between insurers to find the most affordable auto insurance for teenagers.

Cheapest Car Insurance in New Jersey for Military Drivers

The average cheapest car insurance companies for active and veteran military members for full coverage are:

  • GEICO: $986 per year
  • NJM Insurance Group: $995 per year

USAA is also an option for military members and their families. The insurer has policies, discounts and coverage options customized to drivers with a military background.

The average cheapest minimum coverage car insurance companies in Jersey City are GEICO ($444 per year) and Amica Mutual ($471 per year).

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$986Monthly Premium$82
NJMAnnual Premium$995Monthly Premium$83
Plymouth Rock AssuranceAnnual Premium$1,008Monthly Premium$84
Amica MutualAnnual Premium$1,192Monthly Premium$99
ProgressiveAnnual Premium$1,315Monthly Premium$110
TravelersAnnual Premium$1,607Monthly Premium$134
AllstateAnnual Premium$1,664Monthly Premium$139
State FarmAnnual Premium$1,775Monthly Premium$148

How to Compare Cheap Jersey City Car Insurance Quotes Online

It will take about 15 minutes or more to obtain a car insurance quote online in Jersey City. Comparing rates from several companies can take a long time as you need to provide a lot of personal information.

MoneyGeek’s car insurance calculator simplifies the process by allowing you to obtain estimates of rates from multiple companies by only including your driving record, age, coverage level and vehicle type. You can use the calculator to determine the best companies for your profile.

Car Insurance Calculator

MoneyGeeks'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:

Jun 17, 2024

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Best Car Insurance in Jersey City: Summary

The best auto insurance depends on your preferences and how much you value affordability and customer service, among other factors.

From our findings, the best car insurance companies in Jersey City are:

  • Best overall: Amica Mutual (MoneyGeek score of 84 out of 100)
  • Best service: Amica Mutual (MoneyGeek score of 71 out of 100)
  • Best cheap: Amica Mutual (MoneyGeek score of 87 out of 100)

MoneyGeek’s ranking for each insurer may vary depending on how the weightings change across different categories.

The best auto insurance provider in New Jersey, Amica Mutual, is also the best in Jersey City, but scores 85 out of 100 on our ranking system in the state as a whole. Note that your auto insurance costs will vary based on where you live.

If you come from a military background, you may find the best policy with USAA.

Best Overall Car Insurance in Jersey City

Based on MoneyGeek’s analysis, the following two companies offer the best auto insurance in Jersey City:

  • Amica Mutual: MoneyGeek score of 84 out of 100 ($1,192 per year)
  • NJM Insurance Group: MoneyGeek score of 81 out of 100 ($995 per year)

Amica Mutual had the best score for claims management and the second-best ranking for customer satisfaction. That indicates that the insurer is more likely to pay out claims and resolve customer issues.

How was this MoneyGeek score calculated?

Amica Mutual

pros

checkmark

Scored the highest for claims management and coverage availability

checkmark

Scored very high on affordability

checkmark

Provides full glass coverage, glass deductible modification and identity theft coverage

cons

close

Lacks better car replacement coverage

COMPANY HIGHLIGHTS

Aside from having the highest claims management coverage, Amica Mutual also ranks highly for coverage availability. The insurer features various rare add-on coverage options, and the second-best customer satisfaction rating.

Amica Mutual offers add-on full glass coverage that pays for the expenses incurred repairing or replacing your windows, windshield and any other glass without a deductible. The glass deductible modification coverage waives your deductible if you file a claim for the repair or replacement of your car’s damaged windows or windshield.

You can earn points towards accident forgiveness from Amica Mutual by referring new customers to Amica, renewing your policy or remaining accident-free for a year.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Best Car Insurance in Jersey City for Customer Service

MoneyGeek discovered that the best insurance companies for customer service without regard for cost in Jersey City are:

  • Amica Mutual: MoneyGeek score of 71 out of 100 ($1,192 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($3,029 per year)

Amica Mutual scored the highest for claims management and second for customer satisfaction. It is also the fourth cheapest, meaning you can get a relatively good price for the best service.

How was this MoneyGeek score calculated?

Amica Mutual

pros

checkmark

Offers the best claims experience

checkmark

The second-best insurer for customer satisfaction

checkmark

Provides identity theft coverage, new car replacement and accident forgiveness

cons

close

No deductible modification or rideshare insurance

COMPANY HIGHLIGHTS

Amica Mutual offers several rare add-on coverage options and ranks very well for claims management and customer satisfaction.

The insurer’s identity theft add-on protects your identity. With this coverage, you will get resolution assistance and credit alerts in the event of fraud.

Although other insurers offer accident forgiveness for remaining accident-free for years, Amica Mutual provides this coverage if you earn points by referring new customers to the company or renewing your policy. The points eliminate or reduce your deductible and prevent your policy from increasing after filing a claim.

Amica Mutual also ranked fourth for affordability, showing that you can enjoy a great price in addition to receiving the best customer experience.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Best Cheap Car Insurance in Jersey City

MoneyGeek’s evaluation of the companies offering minimum coverage car insurance that is affordable while having quality service shows that the best options in Jersey City are:

  • Amica Mutual: MoneyGeek score of 87 out of 100 ($471 per year)
  • NJM Insurance Group: MoneyGeek score of 81 out of 100 ($557 per year)

The cheapest policy you can get in Jersey City is often the basic minimum liability coverage, but it will also have the lowest coverage limits and won’t protect your car if you have an at-fault accident.

How was this MoneyGeek score calculated?

Amica Mutual

pros

checkmark

An affordable minimum coverage policy costs about $471 per year

checkmark

Offers multiple car, bundling, advance safety features and automatic payment discounts

checkmark

Scored highest for coverage availability and claims management

cons

close

Lacks anti-lock brakes discount

COMPANY HIGHLIGHTS

Amica Mutual has the best score for claims management, which means it is more likely to pay out your claims than other insurers in Jersey City. It ranked highly for coverage availability and offers an array of common discounts that help lower your policy costs.

You can save on your policy if you bundle your auto insurance with a condo, renters, home, umbrella or life insurance policy. Rates may also be lower if you insure two or more cars with Amica Mutual or remain accident-free for at least three years.

Amica also offers a discount if you have collision avoidance, stability control features or adaptive headlights installed on your car. There are discounts for students as well and for paying in full or going paperless.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Average Cost of Car Insurance in Jersey City

The average annual auto insurance cost in Jersey City is $1,873. That's about $608 higher than the national average of $1,265 (as of October 2022). Jersey City's average is roughly $27 lower than the average auto insurance cost in New Jersey. Your exact rate is partly affected by your location.

The costs above are for a full coverage policy with $100,000 as the bodily injury liability limit per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.