How Much Does Car Insurance Cost in Jersey City?


On average, premiums in Jersey City exceed the state average by 30%. Who doesn't like to save money? Check out some tips on how to save on auto insurance in Jersey City.


AUTO INSURANCE RATES: JERSEY CITY VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$2,127$1,631$1,569


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Jersey City Auto Insurance by Age

Drivers in Jersey City see the largest dip in premiums when they reach their 20s, as they pay an average of $6,450 less after moving out of the teenage age bracket. Turning 70 triggers an increase in premiums, but up until that age drivers can expect premium reductions when they progress between age groups. Everyone loves to save money, and luckily for drivers in their 60s, they do just that! They have the smallest insurance payments among any age group, with rates of $1,888. However, people in their 70s ($1,920) and 50s ($1,952) aren’t paying significantly more. With car insurance payments of $8,338 on average, teenage drivers have the most expensive rates of any age group.


JERSEY CITY AUTO INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
Teenagers$8,338
20s$3,017
30s$2,107
40s$2,064
50s$1,952
60s$1,888
70s$1,920


Jersey City Car Insurance by Credit Level


Individuals with Very Poor credit (300-579) pay an average of 2.5x more every year on premiums than those with Exceptional credit (800-850). Drivers can save approximately $1,692 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).


JERSEY CITY AUTO INSURANCE RATES BY CREDIT TIER
Credit QualityAverage Auto Insurance Rate
Very Poor$4,324
Fair$2,632
Good$2,127
Very Good$1,919
Exceptional$1,743


Jersey City Car Insurance by Accident or Violation History


Does your driving record show a history of accidents or violations? That may have an impact on your car insurance rates. Speeding 16-20mph above the speed limit can drive up your insurance premiums dramatically. Individuals with a speeding ticket on their record normally spend 34% more per year. For individuals in Jersey City with at-fault accidents in which damages exceeded $2,000, rates are an average of $574 more than at-fault accidents with damages less than $1,000.


AVERAGE JERSEY CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI$3,775
Reckless Driving$3,217
At-fault Accident (damages less than $1,000)$2,704
At-fault Accident (damages greater than $2,000)$3,278
Speeding Ticket (16-20 mph over speed limit)$2,861


Jersey City Car Insurance by Gender and Marital Status


Car insurance premiums in Jersey City can be influenced by marital status and gender. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being married, as opposed to single, can save you approximately $140 per year on car insurance. Luckily for men, their premiums are normally 2% cheaper than for women.


JERSEY CITY CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$2,176
Male$2,127
Single$2,127
Married$1,991
Divorced$2,127
Widowed$2,089


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

2
Major Highways
U.S. 1-9 I-95 U.S. 22
2
Public Transit
NJ Transit Bus
2
Toll Roads
NJ Turnpike

Find Local Jersey City Agents

Abbott Insurance Agency-Bloomfield

219 Bloomfield Ave. Bloomfield, NJ 07003

Muller Insurance

930 Washington Street Hoboken, NJ 07030

Chadler Solutions, Inc.

100 Passaic Avenue Fairfield, NJ 07004

Not sure about Jersey City

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Newark

2

$2,338

The average Jersey City resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

374

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

See How Much You Can Save in Jersey City

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Recent Questions:

Jersey City Car Insurance

Someone jumped into my car on purpose

This can be a tricky area. Although the parent's admitted fault to you, they might not to an insurance company or on a police report for fear of what might happen to their child.

Does roadside assistance cover people not on your policy

I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.

I didn't tell my insurance company I was ridesharing and got into an accident

If you do not have a rideshare endorsement on your policy, they might deny the claim. Insurance companies like to know all the risks they could potentially be exposed to and ridesharing presents a big one.

If I mostly use Lyft or Uber, do I still need car insurance?

Renting and borrowing a vehicle sound similar, but the way the insurance coverage works for both situations is different. Let's take a look:   Renting - If you have an auto policy that includes comprehensive and collision coverage, that policy will normally extend to cover a rental vehicle as well.