Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Beth Swanson

SEO Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Author profile picture

Nathan Foster

Agency Trainer

Credentials
  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

Author profile picture

Kristine Lee

Manager, Content and Data

Credentials
  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Jersey City?

The cost of car insurance in Jersey City is not as the highest in the state, but it is still a significant cost at an average rate of $224 per month ($1,346 for a six-month policy). New Jersey Manufacturers (NJM) is the cheapest car insurance company in Jersey City for the year 2023, with rates as low as $157 for a six-month policy.

Jersey City drivers pay more than the New Jersey average of $1,019 every six months and almost double the national average of $880. According to our data, 30% of our customers in Jersey City are  paying too much for auto insurance. To learn more about insurance requirements and typical rates in Jersey City, keep reading.

Car Insurance in Jersey City vs. New Jersey Avg. 6 Mo. Premium
Jersey City Average $1,346
New Jersey Average $1,019
Updated: 11/30/23.

The cheapest car insurance companies in Jersey City

1st place medal
1st place: GEICO

GEICO wins for the cheapest auto insurance company in Jersey City, with six-month policies of $722 ($120 per month).

2nd place medal
2nd place: New Jersey Manufacturers

New Jersey Manufacturers (NJM) is the second cheapest insurer in Jersey City with car insurance rates around $126 per month or $756 for a six-month policy.

3rd place medal
3rd place: State Farm

In third place on our list is State Farm, which costs $970 for a six-month policy, which is $162 per month. 

The Zebra's key takeaways about car insurance in Jersey City:

  • The average cost of a car insurance policy in Jersey City is $1,346 per six-month policy — $224 per month.
  • Jersey City ranks at the 18th most expensive city in New Jersey for auto insurance
  • The cheapest company in Jersey City is GEICO ($722) with NJM as a close second
  • 30% of Zebra customers in Jersey City stated they used our product because they're currently paying too much for car insurance. 

Are you paying too much for auto insurance?

Location pin icon
No junk mail. No spam calls. Free quotes.

Jersey City car insurance rates by company

Based on data collected in 2023, it has been determined that GEICO offers the most affordable full-coverage auto insurance in Jersey City at $120 per month or $722 for a six-month policy. NJM comes in second with a rate of $756 for a six-month policy, which is equivalent to $126 per month. It's worth noting that both companies provide rates that are significantly below the average for Jersey City residents.

The Zebra's Customer Satisfaction Survey is an excellent resource for learning about the best-rated car insurance companies.

 

Cheapest car insurance companies in Jersey City, NJ
Company Avg. 6 Mo. Premium
GEICO $722
New Jersey Manufacturers $756
State Farm $970
Amica Mutual $1,257
Allstate $1,263
MetLife $1,279
Progressive $1,467
Updated: 11/30/23.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Shop around for the best rates


To discover economical car insurance, the simplest approach is to compare providers. Our team will tackle the tough aspects, enabling you to select the most suitable option that caters to your budget and unique necessities. Simply enter your ZIP code to browse quotes from reputable insurers such as Progressive, Allstate, State Farm, and Amica (among others) and locate the most affordable car insurance in Jersey City.

Location pin icon
No junk mail. No spam calls. Free quotes.

Average car insurance in Jersey City by rating factor

The car insurance rate that you receive is dependent on various rating factors related to you. Companies usually evaluate the same factors, such as credit score and age, but they might assign different levels of importance to them. For example, one insurer might consider your driving and claims history as the most significant factor, while another might focus on your credit score.

Your best insurance company can change with time, as your circumstances and requirements change. Even if you've been with the same insurance provider for a while, it's still recommended that you obtain quotes every six months to a year to confirm that you're receiving the appropriate coverage.

Q: I didn't have an accident — Why is my insurance going up?

A: The price you pay for car insurance in Jersey City is largely determined by the end-of-year earnings, which is the comparison of premiums received against the cost of paying out claims. Even if you have a clean claims history, you could still pay more with a specific insurer due to the higher cost of doing business in Jersey City.

Auto insurance premiums by age in Jersey City

What you pay for car insurance depends heavily on your age. Insurance companies are in the business of risk assessment, and their data indicates that teenage drivers are the most dangerous on the road and have a higher likelihood of being involved in accidents. Consequently, these young drivers are charged the highest premiums to offset the insurance company's costs of claims. For teenagers, the high rates may come as a surprise.

In Jersey City, teenage drivers pay over $6,000 per year more than drivers in their 20s. That can be shocking to new drivers and their parents! However, with more driving experience and a history of safe driving, car insurance premiums are likely to decrease considerably within a few years. To keep premiums low, parents or guardians can add a teen driver to their policy, and students can inquire about discounts for good grades and safe driving.

Cheapest car insurance companies for teen drivers in Jersey City, NJ
Company Avg. 6 Mo. Premium
New Jersey Manufacturers $1,670
GEICO $1,723
State Farm $2,747
Allstate $4,287
Amica Mutual $5,128
MetLife $5,676
Progressive $6,154
Updated: 11/30/23.
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s NJM Insurance Group $921
30s NJM Insurance Group $720
40s NJM Insurance Group $670
50s NJM Insurance Group $621
60s NJM Insurance Group $604
70s GEICO $672

Zebra Tip: The cheapest companies for Jersey City drivers between 20-40 are GEICO, NJM and State Farm.


According to our findings, the majority of drivers in Jersey City are aged between 20 and 40 years. For a six-month policy, the average rate for this group is $1,539. However, if these drivers opt for one of these insurance companies, they may be able to save as much as 33%.

Auto insurance premiums for minimum coverage in Jersey City

Many factors determine the premium you'll pay for car insurance, including your age and credit score. However, your choice of coverage is another significant variable. Some drivers in Jersey City only carry the minimum required level of car insurance, and while this may save you some money in the short term, it can prove to be a costly mistake down the line. In the event of an accident, minimal coverage can leave you underinsured and facing significant financial hardship.

If you're looking for better coverage, consider adding collision or comprehensive coverage, also known as "full coverage." Keep in mind that these options typically come with a higher price tag and a deductible that can impact your rates. If you're looking to balance full coverage with affordability, raising your deductible can be an effective strategy. As your deductible increases, your premium decreases.

If you want to feel secure and safeguarded when driving, it's important to consider your options. Features like roadside assistance and uninsured motorist coverage can prove indispensable in the event of an accident involving an uninsured driver. While they do come at a premium, these coverage options can provide additional security and protection for you and your vehicle.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

If your vehicle is leased or financed, there may be a necessary amount of insurance coverage that you must maintain. Nevertheless, if you own your vehicle outright, it means there is more freedom for you to choose your coverage. If you are considering dropping comprehensive or collision coverage, we suggest you get the actual cash value of your car from a source such as Kelley Blue Book. If your car is worth less than $4,000, it may not be worth carrying full coverage. This can help cut back on your rates, but you'll also be more susceptible to paying for damages yourself.

Cheapest car insurance companies for minimum coverage in Jersey City, NJ
Company Avg. 6 Mo. Premium
State Farm $176
GEICO $267
New Jersey Manufacturers $285
Amica Mutual $332
Allstate $633
MetLife $696
Progressive $1,076
Updated: 11/30/23.
  • Minimum: State liability coverage only
  • Basic: State liability + collision and comprehensive (full) coverage
  • Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
  • Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.

The basic level of coverage is the most popular for drivers in Jersey City. But it's important to research your options to find the best coverage to fit your individual needs. If you're involved in a traffic situation where your liability limits are exceeded things can get very expensive, very quickly. New Jersey's 25/50/25 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $25,000 for property damage. This might be plenty of coverage for a minor situation, but in an accident involving multiple vehicles or people, it might not be enough.

New Jersey also requires $15,000 in PIP coverage, as well as uninsured motorist coverage of $25,000 per person and $50,000 per accident. Read more about New Jersey's car insurance laws

Jersey City car insurance rates by credit score

Car insurance rates in most states, such as New Jersey, are heavily influenced by credit scores. The reason for this is that insurance companies see credit scores as a reliable gauge of risk. Evidence indicates that drivers with lower credit scores tend to have more gaps in insurance coverage, engage in more dangerous driving behaviors, and file more claims. Thus, the higher your credit score, the lower your risk level for insurers, resulting in better rates.

For Jersey City drivers, those with poor credit scores (300-579) pay 153% more than those with excellent credit scores (800-850), highlighting the importance of having good credit.

car insurance in Jersey City by credit score
Cheapest car insurance companies for bad credit in Jersey City, NJ
Company Avg. 6 Mo. Premium
New Jersey Manufacturers $1,209
GEICO $1,593
State Farm $2,056
Progressive $2,077
Allstate $2,179
Amica Mutual $2,293
MetLife $4,021
Updated: 11/30/23.

Zebra Tip: If you've recently improved your credit score, it's a great time to shop for insurance!


There's no need to increase your credit score by hundreds of points right away to improve it. In Jersey City, our data indicate that drivers with "Fair" credit spend about $2,000 less on car insurance every year than drivers with "Poor" credit. Depending on where you fall on the spectrum, you may see just a few points of variance to get to the next credit tier. It's an excellent time to verify your credit score if you've been working on improving it by paying off a loan, for example.

Auto insurance rates with an at-fault accident

At-fault and collision-type accidents are the most prevalent forms of insurance claims, and they will typically result in increased rates. In Jersey City, these rate hikes vary from $44 to $121 per month depending on the nature of the violation. After an at-fault accident, New Jersey Manufacturers (NJM) offers the best rates.

The key to maintaining affordable premiums is to be a safe driver regardless of where you reside. Speeding tickets, reckless driving allegations, and DUIs or DWIs all result in rate increases, and the effect of the accident on your premium can last for three to five years. On occasion, more severe violations can continue to have an impact on your premium for a longer period. While accidents are a fact of life, adopting safe driving practices while behind the wheel will protect both your physical and financial well-being.

Cheapest car insurance companies after an at-fault accident in Jersey City, NJ
Company Avg. 6 Mo. Premium
New Jersey Manufacturers $756
GEICO $978
Amica Mutual $1,422
State Farm $1,592
Progressive $2,151
Allstate $2,951
MetLife $3,374
Updated: 11/30/23.

Jersey City car insurance rates by violation

Specific violations and claims can affect your rate differently. The following chart outlines the rate increases you can see from specific auto incidents or tickets.

Car insurance rate increases after violations and citations in Jersey City, NJ
Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $1,346 0% $0
One Med/PIP claim $1,356 1% $10
Not-at-fault accident $1,412 5% $65
One comp claim $1,454 8% $108
Two Med/PIP claims $1,490 11% $144
Failure to show documents $1,503 12% $156
Speeding 6 - 10 MPH over limit $1,522 13% $175
Speeding 11 - 15 MPH over limit $1,529 14% $183
Driving without lights $1,555 15% $208
Failure to wear a seat belt $1,587 18% $240
Child safety restraint $1,587 18% $240
At-fault accident - less than $1000 $1,608 19% $262
Driving with expired registration $1,615 20% $268
Driving too slowly $1,639 22% $292
Two comp claims $1,662 23% $315
Wrong way/wrong lane $1,672 24% $326
Failure to yield $1,678 25% $332
Failure to stop at a red light $1,689 25% $343
Illegal turn $1,725 28% $379
Texting while driving $1,731 29% $385
Cell phone violation $1,731 29% $385
Speeding 16 - 20 MPH over limit $1,757 30% $410
Speeding in school zone $1,780 32% $434
Operating a vehicle without permission $1,796 33% $449
Following too closely $1,821 35% $474
Improper passing $1,827 36% $481
Passing school bus $1,894 41% $547
In 65 MPH zone $1,911 42% $565
Speeding 21 - 25 MPH over limit $1,956 45% $609
At-fault accident - $1000-$2000 $2,060 53% $713
At-fault accident - greater than $2000 $2,074 54% $728
Open container $2,201 63% $854
Reckless driving $2,446 82% $1,099
Racing $2,555 90% $1,208
DUI $2,685 99% $1,338
Refusal to submit to a chemical test $2,685 99% $1,338
Leaving scene of an accident/hit and run $2,717 102% $1,371
Driving with a suspended license $2,797 108% $1,450
Updated: 11/30/23.

Why is car insurance in Jersey City so expensive?

Auto insurance can seem like a costly expense for many, but the reality is that car insurance in Jersey City is actually quite affordable when compared to other regions. This is due to the fact that the cost of living in Jersey City is relatively low, allowing businesses to operate without incurring the additional costs that are typically associated with larger cities. The following paragraphs will explain why car insurance rates can fluctuate in Jersey City and why your rate might be higher.

location
Location

The location of your residence in Jersey City is a determining factor in how much you pay for car insurance. Although you can't always control this aspect, it does matter when assessing risk. Certain neighborhoods have a higher likelihood of theft, other crimes, and uninsured drivers.

If you live in a high-crime neighborhood, your car insurance premium is likely to be higher than someone who lives in a safer area. A perk of Jersey City is that the difference in car insurance rates between the most expensive and the cheapest zip codes is only about $10. In other cities, this variance can be hundreds of dollars.

drivers
Drivers

As a result of its higher population density, Jersey City experiences a considerably higher number of vehicles on its roads than more rural regions in New Jersey. The larger number of cars leads to a proportional increase in the number of accidents. The costs associated with these accidents are often spread across other drivers in the area through an increase in insurance premiums, even for drivers who drive infrequently or safely.

Our data indicate that nearly 38% of Jersey City's drivers are currently uninsured. If you happen to have an accident with an uninsured driver in the area, you might be responsible for the entire cost of the repair. 

It's also important to consider Jersey City's location relative to New York City. The high concentration of people in the area adds a lot of risk on the road, even if you live on the New Jersey side. The proximity to NYC greatly increases the risk of an accident, theft, or other claim-related issues in the area.

Zebra Tip: Consider uninsured property damage as well as comprehensive coverage


Accidents with uninsured drivers are never planned, but being prepared with uninsured motorist coverage (UIM or UMPD) can make a difference. UMPD coverage is there to help if an uninsured or underinsured driver damages your vehicle or causes injury to you. UMPD coverage typically has a lower deductible than collision coverage, is more affordable, and will result in lower rate increases if you need to make a claim.

Severe weather conditions can also cause significant damage to vehicles. Jersey City, like many areas, experiences severe weather such as hail and wind, so it is recommended that you carry comprehensive coverage for your vehicle, even if it is paid off.


Bundling insurance policies in Jersey City

As the cost of car insurance increases in most locations, including Jersey City, finding ways to save may appear to be a difficult task. Nevertheless, there are ways to make it more affordable, and one of the simplest and fastest methods is to bundle policies.

If you have homeowners or renters coverage, in addition to car insurance, inquire with your insurance company about combining them to take advantage of a multi-policy discount. By bundling, you may be able to save 10% or more on your overall premiums. To learn more about bundling home and car insurance, check out the available resources. And don't forget to explore bundling discounts when comparing insurance providers.

 

bundling home and auto insurance in Jersey City
Cheapest car insurance companies for bundling home and auto insurance in Jersey City, NJ
Company Avg. 6 Mo. Premium
GEICO $667
New Jersey Manufacturers $706
MetLife $820
State Farm $821
Allstate $990
Amica Mutual $1,170
Progressive $1,215
Updated: 11/30/23.

While there are external factors that affect your auto insurance rates, such as the make and model of your car or your location, there are also things you can do to control your costs. One of the best things you can do is shop around and compare rates from different insurance companies. You should aim to get quotes every six months to a year to make sure you're always getting the best deal possible.

By educating yourself and understanding what factors impact your rates, you can make informed decisions about your coverage.

Find the best rates for both auto and home insurance in minutes!

Location pin icon
No junk mail. No spam calls. Free quotes.

Frequently asked questions

For those seeking affordable auto insurance in Jersey City, a six-month policy costs $1,346 on average, which translates to a monthly rate of $224. This is more than both the New Jersey state average as well as the national average.

In Jersey City, GEICO provides the cheapest car insurance policies, with an average cost of $722 per six months. New Jersey Manufacturers is a comparable option for affordable auto insurance.

Teenagers in Jersey City pay around $4,847 for a six-month policy, equating to a monthly cost of about $808. Given the costly nature of car insurance for young drivers with individual policies, we suggest that parents include their children in their policies to keep the costs manageable.


Find affordable rates in minutes!

Location pin icon
No junk mail. No spam calls. Free quotes.


Recently answered questions about car insurance in Jersey City from real Zebra customers

Car insurance near me in Jersey City

Other people are also asking...

Can I drive a truck I'm buying across state lines, without plates, to get it home?

I would call up your local DMV or appropriate state department and ask them what to do. Most states allow you to pay a small fee and show an out of state status and they will issue you a temporary paper plate for the vehicle to be relocated. You should have no issues transporting the truck across s…
Aug 29, 2019 Pennington, NJ

What insurance do I need for driving for DoorDash?

You will actually need to get commercial insurance as a delivery driver. This type of policy is specifically designed for vehicles tied to a business or otherwise used for business purposes.If you were going to drive for a rideshare company like Uber or Lyft, you could simply get a personal auto po…
Apr 5, 2019 Manville, NJ

Why is the deductible so high for wind damage to my home?

Thank you for reaching out to The Zebra! Every insurance company is a little bit different. They all have different combinations of coverages and deductibles. Sometimes they base your deductible on the dwelling coverage on your home, which is what sounds like happened in your case. Deductibles for …
Nov 8, 2023 Howell, NJ

Why does a not-at-fault accident affect my insurance?

Furthermore, even if you aren't at fault in a crash, your insurance company can still be liable for your injuries or damage to your vehicle through your uninsured motorist coverage. This coverage is designed to cover you in the event the at-fault driver does not have any coverage or enough cov…
Jun 19, 2018 Lewisville, TX

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.