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 Average||State Average||National Average|
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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
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 Quality||Average Auto Insurance Rate|
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/Incident||Average Annual Premium|
|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/Gender||Average Rate|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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Jersey City Car Insurance
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