On average your neighbors pay $104 a month.See Your Rates
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.
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.
|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.
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.
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.
Other popular Jersey City, New Jersey car insurance companies: AIG, USAA, MetLife, Hartford, Mercury, Safeco, Farm Bureau, and Century National.
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.
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:
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.
Some factors that affect insurance rates are weather and road conditions.
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.
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.
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.
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.
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.
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.
Hudson County reported 19,236 car accidents in 2017.
Jersey City experienced seven fatalities from traffic accidents in 2016. That’s a fatality rate of 2.65 per 100,000 residents. Though all traffic fatalities are unfortunate, given Jersey City's estimated population of 270,753, it's safe to drive here.
Jersey City reported 491 motor vehicle thefts in 2017. That’s a theft rate of 1.81 per 1,000 residents. This is well below the national average of 2.37 per 1,000 people.
Discounts are one of the best ways to lower your insurance rates. These are some of the auto insurance discounts available to drivers in Jersey City, NJ.
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.