Compare Jersey City, NJ Car Insurance Rates (2021)

Car insurance in Jersey City, NJ averages $612 a month. Jersey City, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Jersey City car insurance rates, compare quotes from the top car insurance companies in Jersey City, NJ.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Jersey City for teen drivers is GEICO
  • The cheapest ZIP code in Jersey City is 7302
  • The cheapest car insurance company in Jersey City is GEICO

If you need to buy Jersey City, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Jersey City, NJ is right here.

You’ll find Jersey City car insurance rates, the cheapest Jersey City, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Jersey City, New Jersey car insurance rates to Passaic car insurance rates, Jersey City car insurance rates, and Union City car insurance rates.

Ready to find affordable Jersey City, NJ car insurance today? Enter your ZIP code for fast, free Jersey City car insurance quotes.

Cheapest Jersey City, NJ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Jersey City, NJ car insurance rates? Every Jersey City, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Jersey City, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,932 $4,910 $4,805 $4,805 $15,522 $18,744 $5,843 $5,947
Farmers $6,522 $6,615 $6,351 $6,212 $19,446 $22,467 $7,773 $7,939
GEICO $2,483 $2,436 $2,421 $2,421 $4,512 $4,505 $2,854 $2,781
Liberty Mutual $6,004 $6,004 $6,603 $6,603 $15,731 $17,865 $6,603 $7,597
Progressive $2,642 $2,435 $2,376 $2,442 $12,325 $13,602 $3,142 $3,009
State Farm $5,909 $5,909 $5,352 $5,352 $19,554 $25,117 $6,750 $7,535
Travelers $4,063 $3,876 $3,753 $3,749 $8,840 $9,758 $3,884 $3,795

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Minimum Car Insurance in Jersey City, NJ

Every driver must carry the minimum car insurance in Jersey City, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Jersey City, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Jersey City, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Jersey City, NJ. Compare credit history car insurance rates in Jersey City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Jersey City, New Jersey

Insurance Company Poor Fair Good
Allstate $11,528 $7,299 $5,738
Farmers $12,509 $9,641 $9,097
GEICO $4,607 $2,641 $1,908
Liberty Mutual $11,593 $8,568 $7,216
Progressive $5,890 $5,125 $4,725
State Farm $14,769 $8,879 $6,906
Travelers $7,119 $5,120 $3,404

Cheapest Jersey City, NJ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Jersey City, NJ to rates for a clean record with top companies.

Annual Jersey City, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,141 $10,248 $8,892 $7,473
Farmers $8,068 $13,778 $11,092 $8,724
GEICO $2,368 $3,121 $4,350 $2,368
Liberty Mutual $8,760 $10,041 $8,944 $8,760
Progressive $4,495 $6,066 $5,157 $5,268
State Farm $5,501 $10,076 $16,244 $8,918
Travelers $3,982 $6,015 $5,774 $5,088

Cheapest Jersey City, NJ Car Insurance for Teen Drivers

Teen car insurance in Jersey City, NJ can be expensive. Take a look at rates from the top car insurance companies in Jersey City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Jersey City, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,522 $18,744
Farmers $19,446 $22,467
GEICO $4,512 $4,505
Liberty Mutual $15,731 $17,865
Progressive $12,325 $13,602
State Farm $19,554 $25,117
Travelers $8,840 $9,758

Cheapest Jersey City, NJ Car Insurance for Seniors

Take a look at Jersey City, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Jersey City, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,805 $4,805
Farmers $6,351 $6,212
GEICO $2,421 $2,421
Liberty Mutual $6,603 $6,603
Progressive $2,376 $2,442
State Farm $5,352 $5,352
Travelers $3,753 $3,749

Cheapest Jersey City, NJ Car Insurance Rates After a DUI

A DUI in Jersey City, NJ increases car insurance rates. Compare Jersey City, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Jersey City, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,892
Farmers $11,092
GEICO $4,350
Liberty Mutual $8,944
Progressive $5,157
State Farm $16,244
Travelers $5,774

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Cheapest Jersey City, NJ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Jersey City, NJ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Jersey City, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,175 $8,202
Farmers $10,416 $10,416
GEICO $3,026 $3,077
Liberty Mutual $9,037 $9,216
Progressive $5,247 $5,247
State Farm $9,914 $10,456
Travelers $5,215 $5,215

Cheapest Jersey City, NJ Car Insurance Rates by ZIP Code

Jersey City car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Jersey City, NJ.

Annual Car Insurance Rates by ZIP Code in Jersey City, New Jersey

ZIP Code Average Annual Rates
7302 $6,875
7304 $6,983
7305 $6,960
7306 $6,983
7307 $6,983
7310 $6,875
7311 $6,875

The Best Cheap Car Insurance Companies in Jersey City, NJ

Take a look at a side-by-side comparison of the top car insurance companies in Jersey City, NJ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Jersey City, New Jersey

Insurance Company Average Annual Rates
Allstate $8,189
Farmers $10,416
GEICO $3,052
Liberty Mutual $9,126
Progressive $5,247
State Farm $10,185
Travelers $5,215

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Category Winners: Cheapest Car Insurance in Jersey City, New Jersey

Find the cheapest car insurance companies in Jersey City, NJ for each category right here.

Best Annual Car Insurance Rates by Company in Jersey City, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Cheapest Jersey City, NJ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Jersey City car insurance rates. Find the cheapest Jersey City, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Jersey City, New Jersey

Insurance Company Low Medium High
Allstate $7,506 $8,315 $8,744
Farmers $9,298 $10,301 $11,647
GEICO $2,706 $3,110 $3,340
Liberty Mutual $8,152 $9,404 $9,822
Progressive $4,749 $5,314 $5,677
State Farm $9,401 $10,328 $10,826
Travelers $4,768 $5,208 $5,667

What affects car insurance rates in Jersey City, New Jersey?

What factors can have an impact on Jersey City, NJ car insurance? There are several reasons why Jersey City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Jersey City, New Jersey.

Commute Time in Jersey City

The more time you spend in your car the higher the risk of an accident. The average commute length in Jersey City, NJ is 37.2 minutes according to City-Data.

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Compare Car Insurance Quotes in Jersey City, NJ

Ready to find affordable Jersey City, New Jersey car insurance today? Enter your ZIP code for fast, free Jersey City, NJ car insurance quotes.

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