Cheapest Car Insurance Quotes in Jersey City

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Jersey City Car Insurance

^$ 77

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Jersey City

The car insurance rate in Jersey City is $1459 for a six-month policy, which is $337 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1004, making it a popular choice for budget-conscious drivers. Rates in Jersey City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Jersey City

$1459

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Jersey City

1st place: New Jersey Manufacturers

At $1004 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: NJM

NJM offers auto insurance rates at $1197 for a six-month policy, making it one of the cheapest to insure with.

3rd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1213 for six months, making it the third cheapest auto insurance company in Jersey City.

Jersey City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jersey City, NJ is New Jersey Manufacturers, offering policies at just $1004 for a six-month term. This is followed by NJM, which has an average six-month premium of $1197.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1321 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jersey City drivers find the best deals.

Cheap Car Insurance Companies in Jersey City, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1004	$170
NJM	$1197	$202
New Jersey Skylands Insurance	$1213	$207
Progressive	$1227	$207
Plymouth Rock	$1305	$220
Allstate	$1476	$248
Travelers	$1521	$256
State Farm	$1621	$273
Amica Mutual	$1699	$289
Selective	$1768	$295
Farmers	$2154	$367
National General	$1321	$225

Key Takeaways

Way's key takeaways about car insurance in Jersey City

The auto insurance costs in Jersey City fall around $1004 for six months.
The cheapest auto insurance company in Jersey City is New Jersey Manufacturers.
Teen drivers pay the highest rate in Jersey City at $1372 per month.

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Cheapest Minimum Liability Car Insurance in Jersey City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Jersey City are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Jersey City. Their Average 6 Month Premium is $463. National General is the most expensive at $486 for the same period.

Cheapest Liability Coverage in Jersey City, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$463	$77
Plymouth Rock	$580	$98
Progressive	$580	$98
NJM	$625	$105
New Jersey Skylands Insurance	$680	$113
State Farm	$688	$116
Amica Mutual	$696	$116
Travelers	$696	$117
Amica	$796	$133
Selective	$841	$143
Allstate	$865	$146
Farmers	$1398	$238
National General	$486	$83

Cheapest Full Coverage Car Insurance in Jersey City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Jersey City is New Jersey Manufacturers at $170 per month and $1004 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jersey City, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1004	$170
NJM	$1197	$202
New Jersey Skylands Insurance	$1213	$207
Progressive	$1227	$207
Plymouth Rock	$1305	$220
Allstate	$1476	$248
Travelers	$1521	$256
State Farm	$1621	$273
Amica Mutual	$1699	$289
Selective	$1768	$295
Farmers	$2154	$367
National General	$1321	$225

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Average Car Insurance in Jersey City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Jersey City, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Jersey City, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Jersey City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Jersey City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$997
30s	NJM	$775
40s	NJM	$718
50s	NJM	$662
60s	NJM	$610

Cheapest Car Insurance Rates for Teen Drivers in Jersey City,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Jersey City at $118 per month. At $8069 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$696	$118
Selective	$872	$146
NJM	$1329	$224
New Jersey Manufacturers	$2301	$384
Travelers	$3220	$542
Plymouth Rock	$3452	$581
Allstate	$3459	$582
Progressive	$3769	$634
Amica Mutual	$4069	$692
State Farm	$4463	$751
Farmers	$8069	$1372

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Jersey City.

As young drivers face the highest rates in Jersey City, NJM offers the cheapest auto insurance rates at $997 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Jersey City, Amica Mutual is the cheapest car insurance provider. At $849 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Jersey City is Farmers, offering rates of around $7289 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$849	$144
New Jersey Skylands Insurance	$1066	$178
Foremost	$1190	$203
NJM	$1437	$242
Progressive	$1452	$244
Plymouth Rock	$1884	$317
Allstate	$3220	$547
Travelers	$4633	$772
State Farm	$7050	$1199
Farmers	$7289	$1216

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Car Insurance Rates with An Accident in Jersey City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Jersey City, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Jersey City

The cheapest car insurance companies after an at-fault accident in Jersey City include New Jersey Skylands Insurance and NJM, offering $819 and $841, respectively. National General is an expensive provider with an average six-month premium of $564.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$819	$137
NJM	$841	$142
New Jersey Manufacturers	$1058	$177
Plymouth Rock	$1066	$179
Selective	$1227	$204
Amica Mutual	$1313	$221
Progressive	$1637	$276
State Farm	$2503	$421
Travelers	$2640	$445
Allstate	$3683	$620
Farmers	$6648	$1108
National General	$564	$94

Jersey City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jersey City NJ. For example, the car insurance in Jersey City after a DUI increases to $1638 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Jersey City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1505	$251
One Med/PIP claim	$1513	$257
Not-at-fault accident	$1583	$264
One comp claim	$1599	$272
Two Med/PIP claims	$1607	$268
Speeding 6 - 10 MPH over limit	$1730	$294
Speeding 11 - 15 MPH over limit	$1738	$290
Two comp claims	$1738	$295
Failure to show documents	$1760	$294
At-fault accident - less than $1000	$1784	$303
Failure to wear a seat belt	$1807	$302
Driving too slowly	$1815	$308
Driving without lights	$1823	$304
Child safety restraint	$1854	$315
Driving with expired registration	$1854	$309
Wrong way/wrong lane	$1884	$320
Failure to yield	$1892	$316
Failure to stop at a red light	$1899	$322
Illegal turn	$1931	$322
Cell phone violation	$1954	$333
Texting while driving	$1954	$325
Speeding in school zone	$1985	$338
Operating a vehicle without permission	$1993	$332
Speeding 16 - 20 MPH over limit	$1993	$339
Improper passing	$2038	$339
Following too closely	$2046	$348
Passing school bus	$2131	$355
In 65 MPH zone	$2146	$365
Speeding 21 - 25 MPH over limit	$2217	$369
At-fault accident - $1000-$2000	$2278	$387
At-fault accident - greater than $2000	$2293	$382
Open container	$2564	$436
Reckless driving	$3004	$501
Leaving scene of an accident/hit and run	$3120	$530
DUI	$3143	$524
Refusal to submit to a chemical test	$3143	$534
Racing	$3151	$525
Driving with a suspended license	$3275	$556

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Jersey City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Jersey City.

The cheapest car insurance premiums in Jersey City are offered by Plymouth Rock at $919 for a six-month policy. However, it can be as expensive as $6711 with companies like Amica Mutual.

Jersey City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$919	$155
NJM	$1011	$170
Foremost	$1043	$177
Progressive	$1174	$198
Mercury	$1205	$205
New Jersey Manufacturers	$1297	$216
Selective	$1374	$234
Allstate	$1962	$330
Travelers	$2046	$345
State Farm	$5970	$1005
Farmers	$6611	$1125
Amica Mutual	$6711	$1118

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Jersey City are offered by Plymouth Rock at $841. However, it can be as expensive as $3042 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Jersey City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$841	$142
NJM	$1066	$179
Progressive	$1205	$203
State Farm	$1707	$290
Allstate	$2579	$430
Travelers	$2711	$462
Farmers	$3042	$507

Car Insurance Price Trends in Jersey City, New Jersey

Car insurance rates in Jersey City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Jersey City rose by $320 in December compared to $316 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Jersey City rose to $112 in December, compared to $108 in November. This represents an increase of $4 when comparing December and November.

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Average Car Insurance Cost in Jersey City by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Jersey City. At $1531 for a six-month policy, insuring your car at 7310 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
7310	$1531	$257
7311	$1458	$245
7302	$1706	$287
7305	$1808	$304
7304	$1691	$285
7307	$1677	$282
7306	$1735	$292

Frequently Asked Questions

How much is car insurance in Jersey City?

The car insurance in Jersey City is $77 per month, which is lower than the national average.

What is the cheapest car insurance in Jersey City?

The cheapest car insurance in Jersey City is $170 per month for full coverage.

How much is car insurance in Jersey City for teenagers?

Car insurance for teenagers costs $696 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Jersey City?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $246 per month to insure your car in Jersey City.

Is car insurance expensive in Jersey City?

Car insurance can be expensive in Jersey City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Jersey City can be affordable.

Cheapest Car Insurance Quotes in Jersey City

Why you can trust Way?

How Much Is Car Insurance in Jersey City

Avg. Car Insurance in Jersey City

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Jersey City

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Jersey City Car Insurance Rates by Company

Cheap Car Insurance Companies in Jersey City, NJ

Way's key takeaways about car insurance in Jersey City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Jersey City

Cheapest Liability Coverage in Jersey City, NJ

Cheapest Full Coverage Car Insurance in Jersey City

Cheapest Full Coverage Car Insurance Quotes in Jersey City, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Jersey City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Jersey City, NJ increasing?

Car Insurance Premiums by Age in Jersey City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Jersey City,NJ

If you are in your twenties NJM is the best choice for car insurance in Jersey City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Jersey City

Cheapest Car Insurance Companies after an At-Fault Accident in Jersey City

Jersey City Car Insurance Rates by Violation

Jersey City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Jersey City after a DUI

Jersey City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Jersey City after Speeding ticket

Car Insurance Price Trends in Jersey City, New Jersey

Average Car Insurance Cost in Jersey City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Jersey City, NJ

Car Insurance Rates by State in the USA (2025 Update)

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