Cheap Auto Insurance Quotes in Jersey City, NJ (January 2022)

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Car Insurance in Jersey City, NJ

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.

Average car insurance rates in New Jersey are $267 per month, making New Jersey the 14th most expensive state in the country for car insurance rates. But Jersey City residents can find cheaper car insurance if they know where to look. Use Insurify to compare customized car insurance quotes, get free quotes from 10+ providers and find your lowest rate today!

You may not know it, but your location is one of the most important factors in determining insurance premiums. The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates across New Jersey so you can see how Jersey City compares.

$185
$211
$275
$286
$301
Plymouth RockTravelersNationwideLiberty MutualMercury

Cheapest Car Insurance in Jersey City, NJ

Car insurance costs in Jersey City will vary between insurance companies. That’s because every insurance provider weighs aspects such as your age or your driving record a bit differently. The type of car insurance coverage you choose will also affect your rates. Full-coverage car insurance will cost more than minimum liability coverage.

While the following are the cheapest car insurance quotes on average for Jersey City drivers, it’s always a good idea to compare quotes from multiple providers. Use Insurify to find the best auto insurance rates for you today.

Best Car Insurance in Jersey City, NJ

While price is an important factor, the car insurance company with the lowest premium and highest deductible is not always the best option. We evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies in Jersey City, so you can compare our results against your individual quotes for auto insurance coverage.

Average Car Insurance Cost

$280
$317
$304
$294
$183
$303
New JerseyNewarkPatersonElizabethEdisonJersey City
Click here to learn about car insurance quotes and save on your current policy.

Jersey City, NJ Driving Facts

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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 rates usually decrease with age because young drivers have less experience and are more likely to get into a car accident. Teens and young drivers see the highest rates while motorists who are older see some of the lowest car insurance premiums. Here are the average rates you can expect for New Jersey auto insurance.

Jersey City Car Insurance Rates by Driving and Accident History

On average, your insurance rates will increase if you have any infractions on your driving record. That’s because insurance providers view drivers with infractions such as a speeding ticket, a DUI, or a car accident as riskier to insure than drivers with a clean record. You can compare average car insurance costs for drivers with different driving histories below.

Jersey City Car Insurance Rates by Credit Tier

Many insurers use your credit score when determining your rate. That’s because research shows that people with low scores account for a higher percentage of paid claims. Drivers with better credit see lower car insurance rates than drivers with bad credit. Here’s what you can expect to pay for car insurance in Jersey City, NJ, based on your credit score:

Jersey City, NJ DMV Information

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. For vehicle registration or drivers license needs, you can make an appointment at any motor vehicle center and skip the wait. The Jersey City Motor Vehicle Commission is located at:

438 Summit Ave
Jersey City, NJ 07306
(609) 292-6500

Public Transportation in Jersey City, NJ

Jersey City’s mass transit options help residents to their destinations by rail, water, and bus, and that’s a good thing because 48 percent of Jersey City residents use public transportation options to commute. 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 operate in Jersey City as well.

How To The Cheapest Car Insurance in Jersey City, NJ

Whether you’re looking for minimum coverage or full coverage with the ability to bundle your auto insurance policy with your renters or homeowners insurance, you can find a cheap car insurance policy by comparing quotes with Insurify. Our system provides you with real quotes from national providers such as Allstate and from local insurance companies in your area.

The days going from insurance agency to insurance agency to get quotes are over. With Insurify, simply enter some information about your vehicle and driving history to get started. It’s free to use, and the average Insurify user saves $585 annually just by switching to a provider they found on the platform. You can also use Insurify to find home insurance and life insurance.

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
#7
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 in 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 in 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 in 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 in 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 in 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 in 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 in 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 in 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.


FAQs - Jersey City, NJ Car Insurance

How do I find cheap car insurance in Jersey City, NJ?

The easiest way to find the best cheap car insurance in Jersey City is to compare quotes using Insurify. You’ll only have to enter your information one time, and then you can see quotes from national providers such as Allstate and State Farm as well as quotes from local providers side-by-side and in one place. Insurify is completely free and it only takes a few minutes.

How much does car insurance cost in Jersey City, NJ?

The average cost for car insurance in Jersey City is $295 per month, but your individual rate might be different based on your age or your driving history. You should always shop around and compare quotes from multiple insurance providers to find your best rate and coverage options.

What drives up car insurance rates in Jersey City, NJ?

25 year-old and younger drivers will pay more for car insurance in Jersey City, as will drivers with accidents, tickets, and other driving infractions on their records. People who want a full-coverage policy will also pay significantly more for car insurance than those who opt for state minimum coverage.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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