Best Auto Insurance Rates in Jersey City, New Jersey

On average your neighbors pay $104 a month.

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Compare Auto Insurance in Jersey City

Thursday, November 1 2018 By Shantae Young

Jersey City is the second-largest city in New Jersey thanks to its population of 257,342. The city can thank some of that growth to companies like Chase Manhattan Bank, Lehman Brothers, Merrill Lynch, Charles Schwab, and others for bringing their businesses to the area.

Average Jersey City Car Insurance Rates

How much is car insurance in Jersey City, NJ? You're probably aware that premiums in Jersey City are among the highest in the US. After all, New Jersey is the most expensive state in America for car insurance. The average cost of auto insurance in New Jersey is $1,265.69 per year. The national average price is $889.01.

Prices may vary depending on several factors including: your driving record and the points on your driver's license and the number of claims filed in your zip code.

New Jersey Average Annual Car Insurance Rates
Coverage Rates
Liability $869.57
Collision $381.86
Comprehensive $131.35
Total Cost Per Year $1,265.69
Price Per Month $104.72
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New Jersey insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New Jersey car insurance rates increased from $1,186 in 2011 to $1,263 in 2015, a jump of $79, or 6.70 percent.

New Jersey average car insurance rates

Growth is great in major cities, except for when you’re talking about growing car insurance premiums. Thankfully, QuoteWizard can help if you pay more than you’d like for coverage.

We do this by connecting you with national insurance companies and local agents so you can compare rates. Comparing quotes can help you find cheap car insurance rates near Jersey City, New Jersey and save up to 40% on your premium.

Last year, 1,997 people used QuoteWizard to compare auto insurance quotes in Jersey City, NJ from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Jersey City, NJ

This is our list of the top most common car insurance companies reported by QuoteWizard users living in Jersey City, New Jersey last year. Of those 1,997 users, only 88 were uninsured when they requested a quote.

  1. GEICO
  2. Progressive
  3. Allstate
  4. Liberty Mutual
  5. AAA
  6. State Farm
  7. Farmers
  8. Esurance
  9. Nationwide
  10. Travelers

Other popular Jersey City, New Jersey car insurance companies: AIG, USAA, MetLife, Hartford, Mercury, Safeco, Farm Bureau, and Century National.

Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles in Jersey City

This is our list of the top most common car makes and models owned by Jersey City, NJ drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord LX/EX/DX
  2. Honda Civic/LX/EX/DX
  3. Honda CR-V EX/EX-L
  4. Toyota Camry/LE/XLE/SE
  5. Hyundai Sonata GLS
  6. Nissan Altima 2.5 S
  7. Honda Pilot EX
  8. Toyota RAV4/XLE
  9. Honda Odyssey EXL
  10. Ford Explorer
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Jersey City, NJ

Jersey City, New Jersey has a minimum coverage requirement known as the 15/30/5 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most an insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The total an insurance carrier will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $15,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident regardless of who is at fault.

Jersey City Drivers

According to Allstate's Best Drivers report, Jersey City ranks 114th out of 200 cities when it comes to safe driving. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 8.4 years.

Jersey City drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Some factors that affect insurance rates are weather and road conditions.

Weather

Jersey City has a surprisingly humid climate with long, hot summers and no dry season. Residents also get a lot of sun. In fact, the city sees 217 sunny days in an average year. It rains and snows a lot, too. That’s because Jersey City experiences about 106 days with some amount of precipitation in a typical year. Specifically, it receives an average of 43 inches of rain and 27 inches of snow annually. That often means slick road conditions, which in turn cause accidents and impact car insurance rates.

Road Conditions

According to TRIPNET, 37 percent of New Jersey's major roads are in poor condition. These pothole-filled roads cost motorists a total of $6.9 billion annually in extra vehicle operating costs. That’s $632 per driver.

Traffic Congestion

According to Movoto, Jersey City is fifth-most stressed-out city in the US. One of things Movoto attributes to this is commute time. Due to its proximity to New York and Newark, Jersey City's commuters regularly have to deal with commutes of 40 minutes or longer.

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, you'll need to get high-risk auto insurance for bad drivers.

Traffic Tickets

The Jersey City Municipal Court website provides important information about parking tickets and moving violations. It also allows people to pay for these on line.

In 2015, The Jersey City Municipal Court filed 350,182 traffic cases. Those cases included DWI's, moving violations, and parking offenses. This is a 12 percent decrease from the 395,949 traffic cases filed in 2014.

DWI Filings

The Jersey City Municipal Court filed 306 DWI cases in 2015. That’s a 10 percent increase from the 279 DWI's filed in 2014.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Jersey City DWI insurance.

Car Accident Statistics

Hudson County reported 19,595 car accidents in 2014, a 2 percent increase from the 19,227 accidents in 2013.

Traffic Fatalities

Jersey City experienced four fatalities from traffic accidents in 2013. That’s a fatality rate of 0.78 per 100,000 residents. Though all traffic fatalities are unfortunate, given Jersey City's population of just over 200,000, it's safe to drive here.

Vehicle Theft Rates

Jersey City reported 549 motor vehicle thefts in 2014. That’s a theft rate of 2.09 per 1,000 residents. This is almost equal to the national average of 2.16 per 1,000 people.

Car Insurance Discounts in Jersey City

Discounts are one of the best ways to lower your insurance rates. These are some of the auto discounts available to drivers in Jersey City, NJ depending on what's offered by your carrier.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  4. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  5. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  6. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  7. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  8. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  9. Take a defensive driving course from an accredited driving school
  10. Shop around and compare low-cost Jersey City auto insurance quotes

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