Cheap Auto Insurance Quotes in Jersey City, NJ (2021)

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Though not everyone drives in New Jersey, the six million registered vehicles in the state prove that a lot of people do. Drivers in Jersey City know that accidents happen and having good auto coverage just in case is important.

Car Insurance in Jersey City, NJ

The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Jersey City, NJ to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$109
$239
$243
$340
$355
ProgressiveLiberty MutualTravelersAllstateState Farm
Monthly $

Cheapest Car Insurance in Jersey City, NJ

Here are the cheapest carriers in Jersey City for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Jersey City, NJ

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Jersey City. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$279
$317
$304
$294
$183
$295
New JerseyNewarkPatersonElizabethEdisonJersey City
Monthly $

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Jersey City, NJ Driving Facts

new-jersey

Minimum Car Insurance Requirements in NJ

New Jersey requires all drivers to purchase either a basic or standard insurance policy. The basic policy liability limit is as follows:

  • $5,000 of property damage liability per accident

The standard policy liability limits are as follows:

  • $15,000 of bodily injury liability insurance per person, per accident
  • $30,000 of bodily injury liability for multiple injured people per accident
  • $5,000 of property damage liability per accident

Jersey City Car Insurance Rates by Driver Age

Car insurance will be out of the question for all but the most affluent teenagers in Jersey City. New Jerseyites get a price break as the years of driving experience go up. So the twentysomethings see an immediate over $325 price break from what the teens pay. Then, the real slide begins, with everyone 30 and older paying less than the state average of $267 per month. Those in their 80s pay $104, translating to seven times less than what the youngest drivers cough up every month.

Driving History
No Violation$256
Speeding Ticket$297
At-Fault Accident$312
Failure to Stop for Red Light / Stop Sign$292

Jersey City Car Insurance Rates by Driving and Accident History

'In the Garden State, the safest drivers are doubly wise. They''re smart to protect themselves with defensive driving and look out for their pocketbooks at the same time. Insurance companies applaud the effort and give the “good driver” and “accident-free” discounts to those with clean records. A speeding ticket is a fast way to bring a nice deal to a halt, at $297 per month. And an at-fault accident does even more damage, with an over $50 per month increase. Drivers can skip the doom and gloom from violations and accidents. After three years, mishaps stop affecting rates.'

Jersey City Car Insurance Rates by Credit Tier

Jersey City residents are trying to figure out how missing a credit card payment is anything like missing a moving vehicle. Sadly, New Jersey (like most states) allows insurance companies to factor in credit when setting rates. Generally, the drivers with the worst credit pay the most for car insurance. Moving from poor to good credit saves over $120 per month, and the biggest savings come from moving from poor to excellent credit, a $190 per month or over $2,000 per year difference.

Jersey City, NJ DMV Information

Have a DMV errand to run? When it comes to taking care of their DMV-related needs, New Jersey drivers can get things done using in-person services or online options. Registering your vehicle? You can make an appointment at any motor vehicle center and skip the wait. First-time driver or need to get your license renewed? Make an appointment at your local license center.

Public Transportation in Jersey City, NJ

Jersey City’s mass transit options help residents to their destinations by rail, water, and bus. Calling a cab service is an option here, too. Can’t be on someone else’s timetable? On-demand rideshare services like Uber and Lyft stop here, too. How about a little wind in your hair? Rent a bike at one of 50 Citi Bike stations.

Conclusion: How to get the best and cheapest car insurance in Jersey City, NJ

While carrying a solid auto insurance policy on you in Jersey City is vital, shopping insurance companies one data point at a time is a grind.

Is the scratch piece of paper you’ve been using to compare rates company after company really all that accurate? Use Insurify to take the guesswork out of comparing coverages and get the coverage you need quickly.

Find local Jersey City agents

Henry Holtzmann Inc. 
169 Danforth Ave, Jersey City, NJ 07305-2627
J & A Insurance Agency 
1643 Kennedy Blvd, Jersey City, NJ 07305-1867
Freeway Insurance Services of NJ-JerseyCity 
2184 Kennedy Blvd, Jersey City, NJ 07305-1610
Frenkel & Company 
210 Hudson Street, Jersey City, NJ 07331
H. Roscoe Taylor Jr. Insurance Agency 
731 Grand St, Jersey City, NJ 07304-2820
Phoenix Risk Management LLC
62 Rose Ave, Jersey City, NJ 07305-2721
Anthony Blake T/A The Blake Agency 
89 Kearney Ave, Jersey City, NJ 07305
Petrocci Agency, LLC 
1674 Kennedy Blvd, Jersey City, NJ 07305-1842
Emad Soliman: Allstate Insurance
844 Bergen Ave, Jersey City, NJ 07306
Joe Nachbaur - State Farm Insurance Agent
505 Central Ave, Jersey City, NJ 07307

Insurify Insights: How Jersey City Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Jersey City, NJ
suspended licenses
#12
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Jersey City drivers measure up to their fellow New Jersey motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Jersey City

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Jersey City drivers rank 24 in the number of car accidents per driver across all cities in New Jersey.

  • Rank within state: #24
  • Percent of drivers in Jersey City with an accident: 7.56%
  • Drivers in Jersey City, NJ with an accident in their driving history paid on average 28.57% more than drivers with a clean record

Speeding Jersey City

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, Jersey City drivers rank 22 in the number of speeding infractions per driver.

  • Rank within state: #22
  • Percent of drivers in Jersey City with a speeding ticket: 3.96%
  • Drivers in Jersey City, NJ with a speeding ticket in their driving history paid on average 29.32% more than drivers with a clean record

DUI/DWIs Jersey City

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Jersey City drivers rank 19 in the number of DUI’s per driver across all cities in New Jersey.

  • Rank within state: #19
  • Percent of drivers in Jersey City with a DUI: 0.96%
  • Drivers in Jersey City, NJ with a DUI in their driving history paid on average 16.17% more than drivers with a clean record

Rude Jersey City

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New Jersey, Jersey City drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Jersey City with a reckless driving violation: 2.58%
  • Drivers in Jersey City, NJ with a reckless driving violation in their driving history paid on average 14.66% more than drivers with a clean record.

Safest Drivers Jersey City

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Jersey City drivers rank 3 in clean driving records across all cities in New Jersey.

  • Rank within state: #3
  • Percent of drivers in Jersey City with clean record: 87.09%

Failure to Yield the Right of Way Jersey City

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Jersey City drivers rank 7 in failure to yield violations per driver across all cities in New Jersey.

  • Rank within state: #7
  • Percent of drivers in Jersey City with a failure to yield violation: 0.24%
  • Drivers in Jersey City, NJ with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Jersey City

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New Jersey, Jersey City drivers rank 5 in the number of reckless driving offenses per driver.

  • Rank within state: #5
  • Percent of drivers in Jersey City with a reckless driving offense: 0.12%

Most Popular Vehicle Jersey City

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Jersey City is the Honda Accord.

Green Driving in Jersey City, NJ

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of New Jersey offers many green driver incentives, including federal tax credits, a green pass discount for New Jersey E-ZPass customers, and discounts through some car insurance carriers.

Greenes Cities

Jersey City

Greenes Cities
% of Hybrids / Electrics
3%

FAQs - Jersey City, NJ Car Insurance

What happens if I get a DUI in New Jersey?

Don’t drive drunk in New Jersey or you’ll suffer severe consequences. In New Jersey, a person is guilty of drunk driving if they operate a motor vehicle with a blood alcohol concentration (BAC) of 0.08 percent or greater. Although a BAC higher than that can result in more consequences, first offenders face fines, imprisonment, and losing their license. If you do lose your license, you might not get it back until an ignition interlock is installed. An ignition interlock measures the alcohol in somebody’s breath before they can drive.

Where can I get cheap insurance in Jersey City?

The question is not where can you get cheap insurance, but how. Insurance rates fluctuate from area to area and state to state, but the biggest factor deciding your insurance rate is you. Gender, marital status, the kind of car you drive, and even homeownership can affect how much you pay for car insurance. Keeping a good driving record is the best way to keep rates low but it also helps to see what kind of rate you can get by switching insurance providers.

Do I have to have a REAL ID in New Jersey?

Having a REAL ID confirms that your state-issued driver’s license meets new federally approved standards for personal identification in the U.S. You won’t need a REAL ID to drive in New Jersey, but in terms of flying, it will make things a whole lot easier. Beginning October 2021, travelers have to show a REAL ID for identification at U.S. airports unless they have a U.S. passport or other federally approved form of identification.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.