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

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Jersey City, NJ Driving Facts

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
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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.

Driver's AgeAvg. Monthly Cost
teens$794
20s$347
30s$253
40s$256
50s$228
60s$192
70s$233
80s$104
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$197
Good$254
Average$310
Poor$376

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Jersey City stacks up for the state of New Jersey:

honda
Honda Accord
Most Popular Car in
Jersey City, NJ
suspended licenses
#10
Cities with Most
Suspended Licenses Rank

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.