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Cheapest car insurance in Jersey City, New Jersey (Nov 2024)
Cheapest car insurance in Jersey City, New Jersey (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Jersey City, New Jersey.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How to find the cheapest car insurance in Jersey City
- Best car insurance companies in Jersey City
- How do different factors impact your car insurance costs in Jersey City?
- Cheap car insurance quotes in Jersey City after driving violations
- Cheap car insurance quotes in Jersey City by age
- FAQ
- Methodology
- Meet our experts
Load full table of contents
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.
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.How do different factors impact your car insurance costs in Jersey City?
How do different factors impact your car insurance costs in Jersey City?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): New Jersey currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Jersey City:
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) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Plymouth Rock | $189 | Fred, 33 Zip: 07305 | Honda HR-V EX | • 100,000/300,000 Liability • Comp / Collision |
Speeding 6-10 | Progressive | $225 | Dean, 30 Zip: 07304 | Honda Civic LX | • 25,000/50,000 Liability |
Speeding 16-20 | Bristol West | $794 | Betty, 31 Zip: 07307 | Honda Accord Sport Special Edition | • 15,000/30,000 Liability • Comp / Collision |
Last Updated Nov 17, 2024Cheapest 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) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $150 | Leila, 33 Zip: 07306 | Jeep Cherokee Limited | • 25,000/50,000 Liability |
At Fault With No Injury | Nationwide | $260 | Logan, 40 Zip: 07302 | Volvo S60 | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Safeco | $200 | Nancy, 31 Zip: 07306 | Mercedes-Benz A 220 4matic | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | AAA | $189 | Myrtie, 28 Zip: 07302 | Ford Mustang | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 15, 2024Cheap 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!
Jean (24 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Jersey City, NJ (Zip Code: 07306)
$290
per month
Amy (24 years old)
$229
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I'm 19 years of age, with previous driving experience. This company has provided a cheap reliable insurance as well this app.
Caden
Travelers insurance has very competitive process with top notch coverage. Wouldn't think of using anyone else
Alex
I am very excited to have progressive as my first auto insurance, very low rate and great coverage
Mohammed
Since having Mercury bundle insurance package it's been very easy to navigate the online system and complete task. I rate them a 10
Vieshia
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
How much is car insurance in Jersey City?
People living in Jersey City pay on average $166 per month – or $1,988 per year – for state-minimum liability coverage. Full coverage in Jersey City costs on average $283 per month or $3,394 per year.
What is the cheapest car insurance in Jersey City?
Based on thousands of Jersey City drivers Jerry has worked with, car insurance in Jersey City costs an average of $166 per month for state-minimum coverage and $283 per month for full coverage.
What is the best car insurance in Jersey City?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Bristol West
, Safeco
, and Travelers
receive good ratings from Jersey City drivers, based on the largest car insurance survey in the nation conducted by Jerry.What is the minimum car insurance in Jersey City, New Jersey?
- $50,000 in bodily injury liability per accident
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
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.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*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.