Best Car Insurance in Jersey City 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Jersey City.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
May 21, 2021Jeep Grand Cherokee Limited0730525Progressive$253/mo.$135/mo.
May 18, 2021Infiniti Q70 3.70730561Mercury$250/mo.$146/mo.
May 29, 2021Chrysler 300 Limited0730440Plymouth Rock$220/mo.$186/mo.
April 27, 2021Nissan Altima 2.50730529Mercury$270/mo.$201/mo.
September 16, 2021Mitsubishi Lancer Es/Es Sport0730624Plymouth Rock$290/mo.$239/mo.
Here’s more information about what impacts the insurance rates in your Jersey City.

How much does car insurance cost in Jersey City?

Car insurance in Jersey City, New Jersey costs single-car drivers an average of $3,875 annually, or about $323 per month. Compared to the state annual average of $3,714, auto insurance in Jersey City is $161 higher higher.
Jersey City sits across the Hudson River from New York City. It’s a bustling port metropolis whose population has grown in the last few decades. As Jersey City’s population grows, so does the number of cars on its roads—which leads to more accidents, negatively impacting the city’s average car insurance costs.
If you live in Jersey City, you can still find affordable car insurance quickly and easily! Just fire up the Jerry app to get started. Jerry is a brokerage app that takes the work out of searching for affordable car insurance.
If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls—you get all of the savings and coverage, with none of the hassles.
Here’s what you need to know about car insurance in Jersey City.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Jersey City$3,996$2,617$3,525$1,936$3,670$3,122
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Jersey CityNational Average
All Coverage Before Jerry
$3,996$3,223
All Coverage After Jerry
$2,617$2,143
Minimum Coverage Before Jerry
$3,525$3,086
Minimum Coverage After Jerry
$1,936$1,764
Full Coverage Before Jerry
$3,670$3,423
Full Coverage After Jerry
$3,122$2,486
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Choosing a carrier in Jersey City

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
New Jersey drivers already pay above the national average, but Jersey City drivers have rates that are also typically higher than the state average.
State Farm insurance in Jersey City is a popular choice. Companies like GEICO, Progressive, and Kemper insurance in Jersey City also offer some of the most competitive rates.
Factors like your age, driving history, and occupation, can contribute as well to what you’ll ultimately pay for your insurance, so you’ll want to research to find the best rate for you.
Here’s what drivers pay with some of the most popular insurance providers in Jersey City before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$3,842$978Compare Prices
Nationwide$3,136$700Compare Prices
Travelers$2,071$142Compare Prices
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What kind of car insurance you need in Jersey City

In Jersey City, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
At a minimum, some liability coverage is required in most states, but New Jersey drivers are also legally required to carry uninsured/underinsured motorist coverage and Personal injury protection (PIP).
The minimum requirements for liability insurance in Jersey City are as follows:
The minimum requirements for uninsured/underinsured motorist coverage are:
  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
The minimum requirement for personal injury protection (PIP) coverage is $15,000 per person.
The above insurance coverage is required to operate a vehicle on New Jersey roads, and there are steep penalties if you’re caught driving without proof of insurance—including monetary fines, community service, forfeiture of your vehicle, and/or imprisonment depending on the number of offenses.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
While those are the minimums, it is a good idea to get more coverage. Liability is necessary, but it protects other drivers when you’re at fault in an accident, it does not cover your car. Uninsured/underinsured motorist coverage will cover your medical expenses in an accident, but it won’t cover damage to your car.
Here are some coverage options that can serve Jersey City drivers well:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceMore cars on the road means more possibilities for collisions and subsequent damage to your vehicle. Collision insurance covers the cost of the necessary repairs.
High population densityAccident forgivenessLots of drivers means lots of accidents. Accident forgiveness will prevent your insurance rates from going up after your first at-fault incident.
Uninsured driversUninsured/underinsured motorist coverageNew Jersey has the lowest rate of uninsured/underinsured drivers in the country, in part because this coverage is mandatory. This will cover you if the at-fault driver is underinsured or does not have insurance.
Severe weatherComprehensive insuranceNew Jersey is a northern coastal state, which makes it more susceptible to tropical storms, flooding, and hurricanes. Comprehensive insurance coverage protects your car from physical damage that may happen as a result of severe weather.
Mountain roadsRoadside assistanceThe Appalachians slice through New Jersey, making its roads more windy, isolated, and perilous. Roadside assistance will be there to provide towing services, tire changes, locksmith services, fluid delivery, and more if you find yourself stuck on a mountain road.

What determines your car insurance cost in Jersey City

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Jersey City, you could be paying as much as $41 more per month than an adult driver. These are average rates for Jerry customers in Jersey City broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$4,529$646
21-24$4,345$1,471
25-34$4,249$1,549
35-44$3,459$715
45-54$3,044$1,410
55-64$3,321$999
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Jersey City with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$4,046$1,366
Speeding over 15$3,312$1,952
Speeding under 15$3,132$1,447
Failure to Obey Traffic Sign$4,336$1,419
Other$5,035$1,352
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Where in Jersey City you live

It may seem like insurance rates in Jersey City should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Jersey City, residents of 07304, 07307 and 07305 will have the most expensive car insurance rates, while people who live in 07302, 07306 and 07310 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Jersey City:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 23, 202107305Ford Fusion SENJ46Plymouth Rock$220/mo.$110/mo.
September 8, 202107302Mazda 6 SportNJ42Travelers$245/mo.$124/mo.
September 24, 202107305Honda Pilot EXLNJ39Plymouth Rock$260/mo.$171/mo.
March 6, 202107306Mazda CX-5 SportNJ58Nationwide$248/mo.$173/mo.
March 25, 202107304Lexus IS 250NJ36Nationwide$300/mo.$240/mo.
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Why is car insurance in Jersey City so expensive?

A variety of considerations determine baseline car insurance rates in Jersey City. Insurance companies often consider the following:
Jersey City’s high insurance rates are due to a number of reasons:

Accidents

Jersey City is one of the most densely populated cities in the country, and it has seen a major upswing in its population since 1980. It’s also a port city with proximity to New York City, so the roads are often congested.
This, unfortunately, means that there’s a higher likelihood of getting into an accident on Jersey City’s roads—which results in car insurance companies driving up their prices to compensate for more claims.

Theft

Jersey City has a higher crime rate than 88% of American cities, so there’s an increased risk of theft or vandalism. Because of this, insurers adjust their rates accordingly.

Flooding

Jersey City sits between two rivers—the Hudson to the right and the Hackensack to the left. Those two major bodies of water—in addition to recent tropical storms—mean that there are areas in Jersey City that are prone to flooding. Flooding can cause major damage to cars, so comprehensive insurance rates tend to be higher.

How can you save money on car insurance in Jersey City?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Almost all insurance companies offer discounts on their rates. No matter who you are, there’s likely a discount that fits your needs.
Here are some common discounts available with insurance carriers in Jersey City:
DiscountDescription
Bundling discountPurchasing multiple policies or insuring more than one car with a provider can often save you money on all policies.
Anti-theft discountsTaking extra precautions with your car by installing up-to-date anti-theft and safety features can keep your car safe and lower your premiums.
Good student discountStudents under the age of 25 who maintain at least a B average can qualify for lower rates
Accident-free discountStaying accident-free for at least three years can earn you a discount on your auto insurance.
Autopay discountSimply enabling autopay will not only ensure you’re never late on your premium payments, but you’ll pay a little less on top of it.
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