Car Insurance in Jersey City

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UPDATED: Jan 7, 2017

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Here's what you need to know...

  • New Jersey is a Choice No-Fault state, which means drivers can choose what kind of insurance policy they want
  • No-Fault Insurance and Tort Insurance plans are the options available for Jersey City drivers
  • Jersey City also offers the option of a basic insurance plan and a standard insurance plan
  • Do your research to know the best ways to save on your insurance in Jersey City

Nearly half of all people living in Jersey City don’t even own a car.

However, if you choose to own a car in Jersey City, you should be aware of the laws and requirements surrounding insurance.

Additionally, there are tips that you can follow if you want to keep your insurance rates low. You can find many different insurance premiums and offerings in this cosmopolitan city.

Use our comparison tool to compare car insurance companies in Jersey City for FREE!

Jersey City Insurance Laws

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It is illegal to drive in Jersey City without adequate proof of insurance.

If a police officer asks to see your insurance and you don’t have it, you could face fines of $300, a one-year license suspension, and an indeterminate amount of community service.

For a repeat offense, you may be liable for a fine of $500, a two-year license suspension, 14 days in jail and 30 days of community service.

Insurance laws in the state of New Jersey are peculiar compared to other states for several reasons:

  • New Jersey is a Choice No-Fault state, which means that drivers must choose whether they want to opt-in to a No-Fault policy program or whether they would rather have a fault-based Tort policy.
  • The state offers the option to self-insure if you have over 25 vehicles registered. This option is generally only used by businesses to help keep costs down.
  • Drivers in Jersey City may choose one of two auto policy plans depending on their financial and age status. The Basic Policy plan is geared toward young drivers with limited money. The Standard Policy plan is also a minimum insurance plan but is geared toward all other drivers.

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What Is Choice No-Fault?

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New Jersey is one of only three states that offers drivers the choice of a No-Fault plan or a Tort plan.

If your insurance company doesn’t offer you the choice, No-Fault is the default type of plan.

The main difference between the two plans is in how they mete out payments in the event of an accident.

A No-Fault plan will always pay for your damages and will never pay for another person’s damages.

A Tort plan will only pay for your damages if a court of law determines you to be at fault. In this case, your insurance provider will also pay for the other person’s damages.

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Tort vs. No-Fault

There is no clear consensus on whether it is better to sign up for a Tort policy plan or a No-Fault plan. It is up to you to decide which you want to use.

– Reasons to Choose a Tort Plan

  • If you believe you will never be deemed to be at fault in an accident
  • If you don’t want your premium rates to be determined by whether someone else drives poorly and hits you

– Reasons to Choose a No-Fault Plan

  • If you want an overall cheaper plan
  • If you don’t want to deal with the hassle of court whenever you get into an accident
  • If you are concerned about uninsured/underinsured motorists hitting your vehicle

Jersey City Insurance Requirements

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There are two sets of insurance requirements depending on whether you want a Basic or Standard policy. Basic insurance is bare-bones and is designed for people with very limited financial resources.

The basic insurance amount tends to be barely enough to cover injury costs for one person. fIf you are concerned about protecting your vehicle’s passengers, you will want to purchase a Standard insurance policy.

When you sign up for your insurance policy, your provider will always at least offer you the minimum requirements in the insurance category you choose. However, because Jersey City can be a rough town at times, you may want to sign up for extra insurance coverage.

The two most common extras are collision coverage and comprehensive coverage:

  • Collision coverage protects you from car accidents that are strictly your fault. Any altercation with an inanimate object requires collision coverage if you want the money to fix your car.
  • Comprehensive coverage protects you from theft, vandalism, and weather-related events. High crime rates in Jersey City make owning a car a liability without protection against theft.

Additionally, certain cars are greater targets for thieves or vandals. Depending on where you live or what you drive, purchasing comprehensive coverage for your insurance policy may be a prudent idea.

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Tips for Lower Insurance Rates in Jersey City

The following are some tips to lower your car insurance rates in Jersey City:

  • Compare Different Insurance Companies  One company may evaluate risk more heavily based on your neighborhood, while another company evaluates based on the type of car you drive.
  • Look Into Temporary Car Insurance If you can keep your car off the roads for a few months out of the year, you may save significant amounts of money on your insurance.
  • Install Security Measures By purchasing simple security devices such as a car alarm or wheel locking device, you may save hundreds of dollars on your annual car insurance payment.
  • Look Into Insurance Discounts There are several discounts for which you may be eligible. Ask your insurance agent if he or she is able to offer you any.

Car Insurance Companies in Jersey City

Common insurance companies serving Jersey City include major providers such as:

  • Allstate Insurance Company
  • Esurance
  • Progressive Insurance
  • State Farm Insurance

What are you waiting for?

If you don’t have car insurance, it is illegal for you to use your car.

However, you don’t want to be stuck paying exorbitant annual fees. The solution? Peruse our site and compare insurance policies in Jersey City today!

Just enter your ZIP code into the FREE tool below now!

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