120+ more*Quotes generated for Insurify users in and around Jersey City, New Jersey within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jersey City, New Jersey within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
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Licensed auto and home insurance agent
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
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Car insurance in New Jersey costs Jersey City drivers an average of $195 per month for state-minimum car insurance coverage and $282 per month for full coverage.
Rates in New Jersey are generally high because it has the highest population density, which increases the likelihood of accidents. In particular, Jersey City is the second most-populous city in New Jersey behind Newark, and Insurify data shows that more than 4% of Jersey City drivers have an accident on their record. Insurers often pass these costs on to drivers.
People in cities with smaller populations generally pay lower rates. About 65 miles south, Brick drivers pay averages of $160 per month for minimum coverage and $191 per month for full coverage.
Jersey City has a large commuter population that works in New York City. Nearly half of commuters in Jersey City get to work using public transportation, but about one-third drive. The average commute time in Jersey City is 34.28 minutes, which is about 12 minutes longer than the national average.
Liability quotes start at $109/mo.
The average rate for state-minimum insurance is $195 per month in Jersey City, slightly higher than the New Jersey average of $181.
New Jersey drivers have two options for liability-only car insurance:[1]
The Basic Policy: This is a much cheaper option that offers bare-bones protection and is meant for drivers without significant assets. It comes with $5,000 in property damage liability coverage; $10,000 in optional bodily injury coverage per accident; and $15,000 per person, per accident in personal injury protection (PIP).
The Standard Policy: This includes a minimum of $35,000 in bodily injury liability per person and $70,000 per accident; $25,000 in property damage liability coverage; and $15,000 per person, per accident in personal injury protection (PIP).
Both types of liability policies satisfy New Jersey’s minimum requirements. Below are quotes for cheap liability car insurance in Jersey City, with the most affordable rates from CSAA.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| CSAA | $109 |
| NJM | $140 |
| Plymouth Rock | $163 |
| Progressive | $218 |
| Mercury | $228 |
| GEICO | $252 |
| Liberty Mutual | $285 |
| State Farm | $326 |
Jersey City is in Hudson County, which has one of the highest crash rates in the state and a high frequency of motor vehicle thefts.[2] These factors may make it prudent to buy full-coverage insurance, which includes collision coverage to protect your vehicle after an accident and comprehensive coverage to help recover your costs after a car theft.
Full-coverage car insurance in Jersey City averages $282 monthly, compared to the state average of $255 per month.
The table below shows cheap full-coverage car insurance in Jersey City, with NJM offering some of the lowest rates.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| NJM | $177 |
| CSAA | $207 |
| Plymouth Rock | $247 |
| Progressive | $277 |
| Mercury | $313 |
| GEICO | $327 |
| Liberty Mutual | $345 |
| State Farm | $411 |
Jersey City is home to more than 312,000 residents, making it the second most-populated city in the state. Living in a larger city with a high population density and close proximity to New York City, Jersey City drivers pay rates that are higher than the state average.
But several other cities have much higher rates. Newark and Paterson, for example, have some of the highest car insurance costs because of the high rates of car theft and uninsured motorists in those areas.
You can explore the average car insurance costs in several New Jersey cities in the table below.
Average car insurance rates in New Jersey are higher than the national average, and rates in Jersey City are even more expensive. The city’s high population density is one factor that affects how much drivers pay for auto policies. Drivers tend to get into more accidents in highly populated areas, which increases insurers’ risk and raises premiums for all drivers.
Additionally, people with spotty driving records pay higher car insurance premiums. In Jersey City, Insurify data shows that 3.16% of drivers have a ticket on their records, the second-highest rate in the state.
Jersey City is also a hot spot for motor vehicle theft, which raises the cost of car insurance in the area.
*Quotes generated for Insurify users in and around Jersey City, New Jersey within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jersey City, New Jersey within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Like in every state, your driving record can affect how much you pay for insurance in New Jersey. In Jersey City, about 4% of drivers have an at-fault accident on their records, and 3% have a ticket, Insurify data shows.
These companies offer the cheapest coverage for Jersey City drivers with varying driving histories:
Cheapest car insurance for Jersey City drivers with a clean driving record: CSAA
Cheapest car insurance for drivers with a speeding ticket in Jersey City: CSAA
Cheapest car insurance for Jersey City drivers with an at-fault accident: CSAA
Cheapest car insurance for drivers with a DWI in Jersey City: CSAA
About 4% of Jersey City drivers have an at-fault accident on their records, according to Insurify data. Because New Jersey car accident laws follow a no-fault system, drivers must file claims with their own insurance companies to receive coverage for their injuries, no matter which party actually caused the accident.[3]
The table below compares the average monthly quotes for Jersey City car insurance based on driving record:
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $239 |
| Speeding ticket | $320 |
| At-fault accident | $268 |
| DWI | $385 |
Sitting directly across the Hudson River from Lower Manhattan, Jersey City is dominated by major commuter arteries. Routes with especially heavy traffic in the area include the Holland Tunnel, the New Jersey Turnpike (I-95), and NJ Route 139. These areas may see higher rates of accidents and speeding.
It’s also important to note that Hudson County, which includes Jersey City, has a 15.5% uninsured driver rate, according to New Jersey State Health Assessment data. That’s higher than the state average of 14.1% and slightly higher than the national average of 15.4%.
While New Jersey doesn’t require drivers to buy uninsured/underinsured motorist coverage, you may want to add it when building your insurance policy. This type of coverage financially protects you if an uninsured or underinsured driver causes an accident.
Jersey City’s traffic comes from heavy congestion around the Holland Tunnel and feeder routes like Interstate 78, where merging and stop-and-go conditions increase crash risk. With New Jersey commuters averaging about 34 minutes each way, delays are routine.
Winter weather and summer travel spikes add pressure, while dense streets and strict enforcement contribute to higher accident rates. These factors drive up car insurance costs in the Jersey City area.
The minimum age for a learner’s permit in New Jersey is 16, and full driving privileges begin at 18 following a graduated program.[4]
CSAA offers the lowest average price for Jersey City’s teen drivers. But it’s important to shop around, since the best car insurance companies offer discounts that help lower premiums. For example, GEICO offers discounts to teens who earn good grades and maintain a good driving history.
Here are the cheapest car insurance rates for teen drivers in Jersey City.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| CSAA | $201 |
| NJM | $229 |
| Plymouth Rock | $293 |
| Progressive | $356 |
| Mercury | $397 |
| GEICO | $433 |
| Liberty Mutual | $474 |
| State Farm | $604 |
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About 12% of Jersey City’s population is 65 or older, and while that’s lower than the New Jersey senior population of 18%, affordable senior coverage is in high demand.
The cheapest insurer for senior drivers in Jersey City is CSAA, with rates averaging $84 per month.
The table below shows the cheapest Jersey City insurers for senior drivers.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| CSAA | $84 |
| NJM | $119 |
| Plymouth Rock | $132 |
| Mercury | $180 |
| Progressive | $185 |
| GEICO | $198 |
| Liberty Mutual | $235 |
| State Farm | $254 |
Below are answers to common questions about auto insurance rates in Jersey City, NJ.
The average monthly car insurance quote in Jersey City is $239, according to Insurify data. Your actual rate depends on factors like your driving record, location, gender, the vehicle you drive, and the amount of coverage you choose.[5]
CSAA offers the cheapest auto insurance in Jersey City, with liability coverage averaging $109 per month.
The average monthly car insurance quote in New Jersey is $218 per month, according to Insurify data. But where you live in New Jersey can have a big effect on the price you pay for insurance.
A few factors that affect Jersey City car insurance costs include road congestion and the high rates of car theft and uninsured drivers. Additionally, factors like your driving record, credit, coverage level, age, and gender influence your car insurance premium.
Raising your deductible, maintaining a clean driving record, and choosing minimal coverage options can help lower your car insurance premium in Jersey City. You can also qualify for discounts by being a homeowner or bundling your auto insurance with home insurance or renters insurance coverage. Given Jersey City’s frequent car theft, parking in a garage or using an anti-theft device could also earn you a discount.
While $200 per month for car insurance is expensive, it’s less than the Jersey City average of $239. But you may find cheaper car insurance by shopping around. CSAA has the lowest average liability insurance rate in Jersey City, at $109 per month.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
Featured in
A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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