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How much does auto insurance cost in Jersey City?
The average cost of car insurance in Jersey City, New Jersey, is $2,006 per year. That's more than the statewide average in New Jersey ($1,592) and more expensive than the national average of $1,548. Our guide to car insurance in Jersey City — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
AUTO INSURANCE COSTS: JERSEY CITY VS. STATE AND US AVERAGES
|Jersey City Average (yearly)||New Jersey Average||National Average|
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Jersey City car insurance premiums by insurer
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical insurance customer, New Jersey Manufacturers provides Jersey City's cheapest rates. Reference below the top options for affordable insurance in Jersey City. Don't forget to get car insurance quotes based on your unique driving profile.
JERSEY CITY AUTO INSURANCE RATES BY COMPANY
|Insurance Company||Average Yearly Rate|
|New Jersey Manufacturers||$1,438|
Car insurance rates by age bracket in Jersey City
The age bracket that pays the least for auto insurance in Jersey City consists of drivers in their 60s, who pay an average of $1,842. Those in their 50s don't pay significantly more ($1,852).
Teenage drivers pay Jersey City's most expensive insurance rates. When drivers hit their 20s in Jersey City and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Jersey City is $5,015. That's the biggest gap in premiums between any pair of age brackets.
JERSEY CITY CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age||Average Yearly Rate|
Jersey City auto insurance premiums by gender and marital status
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Jersey City, married drivers pay $93 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Jersey City, single drivers pay more than those who are widowed.
Gender is yet another factor that can affect auto insurance premiums. In Jersey City, female drivers pay $50 per year more than do male drivers.
INSURANCE RATES IN JERSEY CITY BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Jersey City auto insurance rates by accident and violation history
If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Jersey City drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,194 per year versus the city average. A ticket for speeding results in a $783 rate hike while a DWI or DUI violation costs $1,560per year in extra insurance expenditures.
AVERAGE JERSEY CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$2,491|
|At-fault Accident (damages > $2,000)||$3,047|
|Speeding Ticket (16-20 mph over speed limit)||$2,789|
Jersey City car insurance rates by credit level
In many cases, a driver's credit level is closely correlated with their auto insurance rates. In Jersey City, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 69% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Jersey City, improving your credit to "Fair" could help you earn $2,277 in savings on insurance premiums each year.
JERSEY CITY AUTO INSURANCE RATES BY CREDIT TIER
|Credit Tier||Average Rate (annual)|
What drives up car insurance rates in Jersey City?
Where you live in Jersey City affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Jersey City is no exception to the rule. From ZIP code 07094 to 07047, premiums rise by 20 percent—that's $426.
Expensive Jersey City ZIP codes: 07311, 07032, 07399, 07087, 07047
Cheap Jersey City ZIP codes: 07094, 07002, 07097, 07030, 07302
Jersey City Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Jersey City, you can expect 106 rainy days with an annual rainfall of 43 inches. Jersey City is also known to experience severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Jersey City Car Insurance Companies Near Me
The average Jersey City resident's annual cost of coverage
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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 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.