Cheap Car Insurance in Jersey City, N.J. (2023 Rates)

The best choices for car insurance in Jersey City are Geico, NJM, Plymouth Rock, Selective and Progressive. These companies have lower-than-average rates for coverage and are also known for strong customer service and high-quality coverage.

Keep reading: Cheap car insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that the average cost of minimum-coverage car insurance in Jersey City is $136 per month or $1,636 per year. This is about 162% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $255 per month or $3,055 per year on average, which is about 52% more expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Jersey City

Geico offers the cheapest liability insurance with average rates of $52 per month or $621 per year. NJM is the second-cheapest option in Jersey City with average rates of $64 per month or $773 per year.

Liability coverage is the minimum coverage required by the state of New Jersey. According to New Jersey law, all drivers must either meet or exceed the following minimum requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist bodily injury coverage per person
• $50,000 underinsured/uninsured motorist bodily injury coverage per accident
• $15,000 personal injury protection (PIP)

The majority of motorists follow the minimum-coverage limits above, but some policyholders could qualify for a more affordable but limited basic policy. Its lowered limits include:

• $5,000 property damage liability per accident
• $15,000 PIP

Cheapest Full-Coverage Car Insurance in Jersey City

A full-coverage car insurance policy can be pricey in Jersey City. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damages to your vehicle in a variety of situations. Geico is the cheapest full-coverage option with average rates of $125 per month or $1,506 per year.

Car insurance rates can vary based on different factors, so the cheapest company for one driver may have high prices for another. In this section, we’ll examine how the cost of auto insurance coverage in Jersey City is influenced by a driver’s age, credit score and driving record.

A few simple ways to increase the accessibility of cheap car insurance in Jersey City are by boosting your deductible and by bundling auto coverage with renters insurance, life insurance and home insurance if you’re a homeowner.

Jersey City Car Insurance Cost by Age

Teenagers pay the most money for car insurance because they have a higher chance of getting into a car crash or of breaking traffic rules. Our data shows that 16-year-olds pay about $557 per month or $6,686 per year for car insurance in Jersey City.

As people in their 20s get older, the cost of car insurance goes down and keeps falling over time. Here are examples of minimum-coverage average prices in Jersey City for different age groups.

Cheapest Car Insurance in Jersey City: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Geico is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $101 per month or $1,212 per year. NJM, Travelers and State Farm also offer affordable premiums for Jersey City teens.

Jersey City Car Insurance Cost by Credit Score

Many states, New Jersey included, let auto insurance companies consider credit scores when calculating monthly premiums. If someone has a low credit score, they’ll be charged higher car insurance rates, while those with high credit scores generally pay less.

Cheapest Car Insurance in Jersey City: Poor Credit

Our rate data shows that NJM is the cheapest option for car insurance with bad credit in Jersey City. The company offers minimum-coverage policies to drivers with poor credit for rates of $106 per month or $1,270 per year. This is 22% less than the overall state average for minimum coverage with good credit.

Jersey City Car Insurance Cost by Driving Record

People with speeding tickets, car accidents or DUIs on their driving records should expect to pay higher rates for their car insurance. On average, speeding can increase your rates by 33%, an at-fault accident by 74%, and a DUI by 84%.

While each auto insurer has different average price increases, our research shows that NJM is generally Jersey City’s top choice if you have violations on your driving record. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Jersey City: Speeding Ticket

Let’s take a closer look at insurance costs for high-risk drivers. According to our data, Geico offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $52 per month or $621 per year. NJM follows with an average monthly rate of $77, while Plymouth Rock, Progressive and Selective round out the top five options for cheap speeding ticket car insurance in Jersey City.

Cheapest Car Insurance in Jersey City: At-Fault Accident

If you’ve been the cause of a car accident in the past, your insurance rates may go up even more than after a speeding ticket. NJM and Geico are the cheapest options here with average rates of about $64 per month and $71 per month, respectively. You’ll see that some auto insurance companies charge significantly more for this amount of coverage after an accident.

Cheapest Car Insurance in Jersey City: DUI

Getting a DUI is a very big deal and could make your car insurance rates in Jersey City go up by a few hundred dollars each year. NJM is far cheaper than other companies, offering average rates of $77 per month or $926 per year for drivers with a DUI. Geico, Plymouth Rock and Progressive are also good options with rates under $136 per month on average.

While auto coverage in Jersey City is 24% higher than New Jersey car insurance and 162% more than the national average, there are still cheap providers to shop from. Geico offers both the cheapest minimum- and full-coverage policies in the city for about $52 and $125 per month, respectively.

Compare free quotes to find the company that meets your New Jersey car insurance needs at the best rate. You can compare insurance products and get quotes online or from local insurance agents.

Here are some frequently asked questions about the cheapest auto insurance in Jersey City, N.J.:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.