Jersey City Car Insurance - New Jersey
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How much does car insurance cost in Jersey City?
The cheapest car insurance in Jersey City, NJ, costs $550 for full coverage. It is very important to note that this price is average and does not reflect the same rates across insurance companies. The most expensive car insurance rate quoted by a top-rated carrier was $5,741 a year with a deductible of $4,000.
How much is car insurance in NJ Monthly?
Insurance depends on the type of vehicle, driving history, and mileage. As a general rule, New Jersey car insurance rates are among the highest in the US.
Why is car insurance so high in New Jersey?
The Garden State is an expensive place to insure your car, but why? According to the New Jersey Department of Banking and Insurance, there are several reasons. These include: A reputed higher frequency of auto theft, a variety of accidents on its roadways, a high number of uninsured motorists, and a higher percentage of drivers arrested for driving while intoxicated. But whatever the reason, it's not going down anytime soon - in fact, some sources say premiums may be going up even further.
How can I save money on my car insurance in NJ?
New Jersey is one of the most expensive places to insure your vehicle, which has made it one of the leading states for uninsured motorists. It's not just drivers who are showing an unfortunate lack of responsibility; insurance companies can be just as irresponsible with their pricing.
Jersey City Cheapest Companies
| Cheapest Companies | Quotes |
|---|---|
Progressive | $110/mo |
Liberty Mutual | $241/mo |
Travelers | $246/mo |
Allstate | $341/mo |
State Farm | $356/mo |
Around Cities
New Jersey Cities | |
|---|---|
| Newark | $316/mo |
| Paterson | $303/mo |
| Elizabeth | $298/mo |
| Edison | $184/mo |
| Jersey City | $294/mo |
| New Jersey | $279/mo |
Jersey City Best Companies
| Best Companies | Score ? | Quotes ? |
|---|---|---|
American Family | 89 | $369/mo |
Liberty Mutual | 82 | $268/mo |
Mercury | 81 | $286/mo |
Travelers | 80 | $210/mo |
Jersey City Drivers by Age
| Driver Age | Avg. Monthly Cost |
|---|---|
| teens | $801 |
| 20s | $352 |
| 30s | $255 |
| 40s | $256 |
| 50s | $227 |
| 60s | $194 |
| 70s | $235 |
| 80s | $104 |
Driving History
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $259 |
| Speeding Ticket | $298 |
| At-Fault Accident | $315 |
| Failure to Stop for Red Light / Stop Sign | $292 |
Jersey City Scores
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $199 |
| Good | $255 |
| Average | $310 |
| Poor | $381 |
Jersey City Ratings
| Cities with Most DUIs Rank | #19 |
| Cities with Most Moving Violations Rank | #36 |
| Most Popular Car in state | Honda Accord |
| Cities with Most Speeding Tickets Rank | #22 |
| Cities with Most Suspended Licenses Rank | #12 |
Averages
| Jersey City Average (yearly) | New Jersey Average | National Average |
| $2026 | $1586 | $1552 |
Group by Genders
| Marital Status/Gender | Average Annual Rate |
| Female | $2063 |
| Male | $2022 |
| Single | $1906 |
| Married | $1910 |
| Divorced | $2032 |
| Widowed | $2009 |
Jersey City Info
| Major Highways | U.S. 1-9,I-95,U.S. 22 |
| Public Transit | NJ Transit Bus,, |
| Toll Roads | NJ Turnpike,, |
Jersey City Zipcodes
- 07097
- 07302
- 07303
- 07304
- 07305
- 07306
- 07307
- 07308
- 07309
- 07310
- 07311
- 07395
- 07399
Other cities of same state
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Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
