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 AverageNational Average
$2,006$1,592$1,548

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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 CompanyAverage Yearly Rate
New Jersey Manufacturers$1,438
GEICO$1,563
Travelers$1,978
Progressive$2,167
Palisades$2,177

Consult our expert guide to finding the best cheap car insurance.



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
AgeAverage Yearly Rate
Teenagers$7,832
20s$2,816
30s$1,989
40s$1,944
50s$1,852
60s$1,842
70s$1,978

Learn more about the impact of age on auto insurance rates.



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/GenderAverage Annual Rate
Female$2,056
Male$2,006
Single$1,913
Married$1,913
Divorced$2,006
Widowed$1,993

Learn more about the impact gender and marital status have on insurance rates.



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
ViolationAverage Yearly Rate
DUI/DWI$3,566
Reckless Driving$3,201
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

Learn more about the impact of driving violations on car insurance rates.



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 TierAverage Rate (annual)
Very Poor$4,952
Fair$2,675
Good$2,006
Very Good$1,787
Exceptional$1,555

Get additional information on how credit impacts car insurance costs.



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.

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

Chadler Solutions, Inc.

100 Passaic Avenue Suite 120, Fairfield, NJ 07004

Muller Insurance

930 Washington Street, Hoboken, NJ 07030

Abbott Insurance Agency-Bloomfield

219 Bloomfield Ave. , Bloomfield, NJ 07003

Not sure about Jersey City

Check out these other New Jersey cities:

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.