How Much Does Car Insurance Cost in Jersey City?


Premiums in Jersey City surpass the state average by 28%, which is why the city is known for its pricey premiums, so if you are insuring a vehicle in Jersey City, understanding premium costs is especially critical. Keep some money in your pocket by following our tips and saving on car insurance in Jersey City.


INSURANCE RATES: JERSEY CITY VS. STATE/US AVERAGES
City Average State Average National Average
$2,144 $1,679 $1,427


Jersey City Car Insurance Premiums by Age

With typical car insurance payments of $8,523, teenage drivers have the highest rates out of all the age groups. The greatest dip in premiums for Jersey City drivers happens when they hit their 20s. Once out of the teenage age bracket, drivers pay $5,476 less in premiums. Turning 70 triggers an increase in insurance rates, but up until that point drivers can anticipate premium reductions when they transition from one age group to the next. Drivers in their 60s save money on car insurance payments, as they have the smallest rates among all age groups, paying only $1,879 each year. Those in their 70s and 50s aren't paying significantly more, with premiums of $1,889 and $1,955, respectively.


JERSEY CITY CAR INSURANCE COSTS BY DRIVER AGE
Age Average Rate
Teenagers $8,523
20s $3,048
30s $2,119
40s $2,069
50s $1,955
60s $1,879
70s $1,889


Jersey City Car Insurance After an Accident or Moving Violation


By knowing which driving mishaps can make your premiums spike, you can make better decisions and save money. Reckless driving will increase your car insurance premiums more than other driving violations. $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 drive your rates up as well, with typical rates of $3,828. That is 79% higher than the city average! If you are found at-fault in an accident in Jersey City, you can expect your annual car insurance premiums to rise by 53%.


AVERAGE JERSEY CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/Violation Mean Rate
DUI/DWI $3,257
Reckless Driving $3,828
At-fault Accident (damages less than $1,000) $3,290
At-fault Accident (damages greater than $2,000) $3,290
Speeding Ticket (16-20 mph over speed limit) $2,881


Jersey City Car Insurance by Gender and Marital Status


Pricing for car insurance premiums in Jersey City is determined by numerous factors, including marital status and gender. Premiums for women tend to be 2% more pricey than for men. Being single, as opposed to married, can cost you $143 more per year. Rates for those who are widowed are marginally cheaper than rates for those who are single.


JERSEY CITY CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Rate
Female $2,191
Male $2,144
Single $2,144
Married $2,001
Divorced $2,144
Widowed $2,115


Jersey City Auto Insurance by Credit Rating


The variance between average car insurance premiums in Jersey City for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $2,169 a year. Drivers will see the biggest drop in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $437 per year.


JERSEY CITY AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit Score Average Car Insurance Rate
Very Poor $4,004
Fair $3,286
Good $2,773
Very Good $2,272
Exceptional $1,835


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

Muller Insurance

930 Washington Street Hoboken, NJ 07030

Abbott Insurance Agency-Bloomfield

219 Bloomfield Ave. Bloomfield, NJ 07003

Chadler Solutions, Inc.

100 Passaic Avenue Fairfield, NJ 07004

Not sure about Jersey City

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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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