Car Insurance in Jersey City

Premiums in Jersey City are 28% higher than New Jersey's average, which is why the city is known for its expensive premiums, so it is crucial to cut costs while insuring a vehicle in Jersey City. Let’s take a look at how to save on car insurance in Jersey City.

  • City Average: $2,144
  • State Average: $1,679
  • National Average: $1,427

Jersey City Car Insurance by Gender and Marital Status

Car insurance premiums in Jersey City vary based on your marital status and gender. Rates for those who are widowed are marginally cheaper than rates for those who are single. You spend an average of 7% more per year if you're single as opposed to married. Premiums are more pricey for women. Women normally pay 2% more than men every year for insurance.

  • Female: $2,191
  • Male: $2,144
  • Single: $2,144
  • Married: $2,001
  • Divorced: $2,144
  • Widowed: $2,115

Jersey City Car Insurance by Accident or Violation History

Having a clean driving record is important if you want to keep your insurance rates low. Speeding 16-20mph over the speed limit can cost you big time in terms of insuring your vehicle. People with a speeding ticket on their record normally pay $737 more per year. $1,113 is the additional cost per year for drivers with a DUI in Jersey City, compared to the city average of $2,144. Reckless driving will also bump your rates up, with typical rates of $3,828. That is 79% higher than the city average!

  • DUI: $3,257
  • Reckless Driving: $3,828
  • At-fault Accident (damages less than $1000): $3,290
  • At-fault Accident (damages greater than $2000): $3,290
  • Speeding Ticket (16-20 mph over speed limit): $2,881

Jersey City Car Insurance by Credit Rating

Drivers with Very Poor credit (300-579) usually pay more than twice as much each year for car insurance than those with Exceptional credit (800-850). Drivers can save around $437 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $4,004
  • Fair: $3,286
  • Good: $2,773
  • Very Good: $2,272
  • Exceptional: $1,835

Jersey City Car Insurance by Age

Teenage drivers have the largest premiums amongst all the age groups. They have car insurance payments that average $8,523 per year. Everybody loves to save money, and luckily for drivers in their 60s, they do just that! They have the lowest payments among any age group, with rates of $1,879 per year. Those in their 70s ($1,889) and 50s ($1,955) have premiums that aren't much higher. The largest dip in premiums between any age group is from the teenage age range to the 20s, as drivers in Jersey City start paying 64% less in premiums. When drivers turn 70, they will experience a rate increase related to their age for the first time.

  • Teenagers: $8,523
  • 20s: $3,048
  • 30s: $2,119
  • 40s: $2,069
  • 50s: $1,955
  • 60s: $1,879
  • 70s: $1,889

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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

106

Rainy Days a Year

43"

Avg. Annual Rainfall

27"

Avg. Annual Snowfall

Be Prepared For

Driving in Jersey City

Major Highways
U.S. 1-9 I-95 U.S. 22
Public Transit
NJ Transit Bus
Toll Roads
NJ Turnpike

Find Local Jersey City Agents

Chadler Solutions, Inc.

100 Passaic Avenue Fairfield, NJ 07004

Abbott Insurance Agency-Bloomfield

219 Bloomfield Ave. Bloomfield, NJ 07003

Muller Insurance

930 Washington Street Hoboken, NJ 07030

Not sure about Jersey City

Check out these other New Jersey cities...

Newark

$2,338

The average Jersey City resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

374

That's equal to 374 cups of coffee or $935 in savings

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Jersey City Car Insurance

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