How to find the cheapest car insurance in Jersey City
On average, auto insurance in Jersey City about $166 per month for minimum coverage liability insurance, and about $283 per month for full coverage insurance. Jersey City drivers pay 30% more than the New Jersey state average.
Jerry is here to help Jersey City drivers with a valuable insurance comparison app, which efficiently reviews and analyzes multiple quotes, allowing you to quickly select the customized policy that meets both your needs and your budget.
Best car insurance companies in Jersey City
To determine who offers the best car insurance in Jersey City, Jerry conducted the most extensive insurance shopping survey in the industry.
Some research names GEICO or NJM as the cheapest car insurance company in Jersey City, but many users report that their low introductory rates shot up after they filed a claim or renewed their car insurance policy. To find the cheapest auto insurance company for your profile, check out the ratings below and get free quotes through Jerry.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Geico | 4.5 | 3.9 | 4.4 | 4.6 |
| Progressive | 4.5 | 3.9 | 4.1 | 4.5 |
| State Farm | 4.2 | 3.7 | N/A | 4.2 |
| Allstate | 4.2 | 3.3 | N/A | |
| Liberty Mutual | 3.5 | 2.8 | N/A | 3.5 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Do you need more than minimum coverage in Jersey City?
New Jersey’s insurance laws require all drivers to carry 25/50/25 liability insurance and $15,000 of personal injury protection (PIP)—but most drivers need more than minimum coverage.
A full coverage policy includes comprehensive coverage and collision coverage to pay for damages to your vehicle in the event of an at-fault accident or non-collision-related event (like vandalism, natural disasters, and even theft). Without full coverage, you’re likely to be underinsured in even minor accidents.
It’s also a good idea to raise your liability coverage limits to 50/100/50 or 100/300/100 and add uninsured motorist coverage to your policy.
Cheap car insurance quotes in Jersey City after driving violations
Your driving history plays a significant role in determining the quotes for your auto insurance. If insurance companies observe a track record of violations, they may consider you to be a high-risk driver, resulting in higher insurance premiums.
Cheapest car insurance in Jersey City after speeding ticket
In Jersey City, speeding violations are typically categorized into different levels based on the extent to which the speed limit was exceeded. The more severe the ticket, the greater the effect will typically be on your insurance costs.
While receiving a speeding ticket in Jersey City is likely to result in increased insurance premiums, Jerry is an excellent resource for helping you find ways to minimize your costs.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Bristol West | $654 | 35 | 07304 | Ford Fusion Se | 25/50 | Yes |
| Speeding Violation-Minor | Progressive | $421 | 26 | 07306 | Nissan Altima Sr | 25/50 | No |
| Speeding 1-5 | Bristol West | $506 | 28 | 07306 | Hyundai Sonata Sport | 25/50 | No |
| Speeding Violation-Minor | Progressive | $371 | 69 | 07302 | Honda Fit Lx | 25/50 | Yes |
| Speeding Violation-Minor | Bristol West | $430 | 31 | 07305 | Honda Accord Ex | 25/50 | Yes |
Cheapest car insurance in Jersey City after DUI
Jersey City car insurance providers take DUI violations very seriously. If you get one, you’re likely to see your auto insurance rates jump considerably.
Finding the cheapest auto insurance coverage options after a DUI often requires comparing quotes from multiple insurers. Jerry’s insurance services can simplify the process of finding the best rates.
Cheapest car insurance in Jersey City after an at-fault accident
For every Jersey City driver, insurance companies thoroughly examine previous at-fault accidents to determine your level of risk. If you have recently been involved in an at-fault accident, it’s likely that your car insurance rates will see a significant increase.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | Bristol West | $1,078 | 26 | 07307 | Dodge Challenger Gt | 25/50 | Yes |
| At Fault With No Injury | Bristol West | $243 | 49 | 07304 | Bmw X5 Xdrive30I | 25/50 | No |
| At Fault With Injury | Progressive | $545 | 32 | 07305 | Honda Accord Ex | 50/100 | Yes |
| At Fault With No Injury | Progressive | $747 | 33 | 07304 | Ford Taurus Sho | 25/50 | No |
| Not At Fault | Progressive | $336 | 34 | 07304 | Pontiac Bonneville Gxp | 25/50 | No |
Cheap car insurance quotes in Jersey City by age
Teen drivers in Jersey City are generally the least experienced motorists on the road, which means they’re a higher risk to insurance companies. For this reason, the under-25 age group tends to pay the highest rates in Jersey City, with premiums decreasing after they reach the age of 25.
Conversely, rates will start to go up again around the age of 75.
Cheapest car insurance in Jersey City for young drivers
If you’re a teen driver in Jersey City with a newer vehicle (or an older driver with a provisional license), it’s important to invest in full coverage insurance—especially due to the higher likelihood of collisions for inexperienced drivers.
Full coverage insurance may cost more, but it provides essential financial protection after an accident. And Jerry can help you find savings on a great policy!
Why is car insurance in Jersey City so expensive?
- No-fault insurance costs: New Jersey is a no-fault state, which means that drivers in Jersey City are required to have PIP coverage. This raises the overall cost of car insurance.
- Auto theft rates: Some areas have higher rates of auto theft, which increases the risk of vehicle loss or damage. Insurers may charge higher premiums to compensate for the elevated risk.
- Lawsuits and litigation: New Jersey has a higher prevalence of lawsuits and litigation related to auto accidents compared to other states. This can increase insurance costs for Jersey City drivers as insurers need to allocate funds for potential legal expenses and settlements.
Bundling homeowners insurance or renters insurance with your auto insurance policy or raising the deductible on your full coverage policy can help you lower your insurance costs in Jersey City.
FAQ
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars. Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
