Progressive
$94/mo
General
$93/mo
Allstate
$170/mo
State Farm
$111/mo
CSAA
$114/mo
Progressive
General
Allstate
State Farm
CSAA
Driving around Jersey City is not a smooth ride, even though most of its population takes public transit for their daily commute. The congested roads, higher insurance rates, and gas prices make the city typically a nightmare for driving.
A highly industrialized city, it has had a communication complex with New York City as early as the 1830s. This city in New Jersey takes place after New York City for its poor traffic conditions and high auto maintenance costs.
Since insuring your car is mandatory in any state, we will walk through the details of car insurance in Jersey City.
Jersey City is a highly populous city that has more chances of accidents hence further the risk involved in insuring the cars. Thus, the insurance premium in Jersey City is more expensive than in most cities.
| Jersey City Average (yearly) | New Jersey Average | National Average |
|---|---|---|
| $2012 | $1598 | $1554 |
It is important to obtain quotes from different car insurance companies as it will help you understand the general trends and the discounts available from each provider. Several car insurance companies in Jersey City offer the best deals to residents of this highly industrialized city close to NYC.
Exempting USAA with its services available only to active and retired military members, the cheapest insurance rates in Jersey City are provided by New Jersey Manufacturers, and Travelers, to name a few.
| Insurance Company | Average Yearly Rate |
|---|---|
| New Jersey Manufacturers | $1444 |
| Travelers | $1984 |
| Progressive | $2173 |
| Palisades | $2183 |
| Allstate | $1260 |
Age is a prominent factor in governing the insurance rates. In Jersey City, teenage drivers pay the highest insurance premiums, while drivers above the age of 60 pay the least.
| Age Bracket | Average Yearly Rate |
|---|---|
| Teenagers | $7838 |
| 20s | $2822 |
| 30s | $1995 |
| 40s | $1950 |
| 50s | $1858 |
| 60s | $1848 |
Marital status is another non-driving factor influencing the insurance premium rates. Since statistics prove that married drivers file lesser claims, they pay lesser rates than single drivers. Apart from this, widowed drivers in Jersey City also pay less than single drivers.
| Marital Status | Average Yearly Rate |
|---|---|
| Married | $1919 |
| Single | $1919 |
| Divorced | $2012 |
| Widowed | $1999 |
In Jersey City, female drivers pay around $50 more than their male counterparts.
| Gender | Average Yearly Rate |
|---|---|
| Female | $2012 |
| Male | $2062 |
If age doesn't categorize you as a high-risk driver, then maintaining a clean driving record is an effective way to steer clear of the high-risk category and reduce your premium rates. Speeding and parking tickets, DUI charges, and at-fault accidents can all lead to a spike in your insurance rates.
| Driving Violation/Incident | Average Yearly Rate |
|---|---|
| At-fault Accidents | $2498 |
| DUI/DWI | $3572 |
| Reckless Driving | $3207 |
| Speeding Tickets | $2795 |
Credit or FICO scores play an important role in determining your insurance premium rates. Jersey City uses credit scores to determine insurance rates. If you are a driver with an exceptional credit score, then your insurance premium will drop by 69%. This will help you save around $2283.
| Credit Tier | Average Rate |
|---|---|
| Exceptional | $1561 |
| Very Good | $1794 |
| Good | $2012 |
| Fair | $2681 |
| Very Poor | $4958 |
There are many reasons for the difference in the insurance premium rates even when they are part of the same state. The theft rate, accident rates, and frequency of weather-related accidents all play a part in determining insurance rates.
07311, 07032, 07399, 07087, and 7047 are among the expensive ZIP codes, while 07094, 07002, 07097, 07030, and 07302 fall under the cheap insurance ZIP codes in Jersey City.
| ZIP Code | Average Yearly Rate |
|---|---|
| 07302 | $2,521 |
| 07304 | $2,565 |
| 07305 | $2,537 |
| 07306 | $2,565 |
| 07307 | $2,565 |
| 07310 | $2,521 |
| 07311 | $2,521 |
The trend in the increase of insurance costs in Jersey City is influenced by factors like DUIs, at-fault car accidents, and speeding tickets. The spike in insurance rates is also dependent on the number of uninsured motorists, percentage of crime, and thefts which vary according to the place you live in the city.
Even when 38 percent of the population does not own a car in Jersey City, the accident rates are at a minimal rate. Speeding and the use of mobile phones are the main reasons for accidents in Jersey City. Accidents in the city occur mainly at intersections.
According to research, Jersey City is the state's second-most populous city and has the fourth-highest auto theft rate. 2.5 automobiles are stolen for every 1,000 residents.
Be weather-ready
One must always watch for icy roads and slippery curves during winters and summers. Maintaining your car to handle extreme weather conditions is equally important.
Maintain a clean record
Since Jersey City has high auto insurance rates, it is necessary to maintain a clean driving record in order to save money on insurance.
Seat Grid and Intersection
Jersey City's complex street network lacks adequate connectivity between neighborhoods and the rest of the region. The limited number of relatively narrow streets that do provide continuous connections are in high demand by pedestrians and those traveling by cars and buses.
Getting your car cleaned
The car wash facilities in Jersey City are limited. You can keep up with your car wash schedules with Way.com.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
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.com
The average cost of renters insurance in Jersey City is $21 per month or $201 per year. This is about 3% more expensive than the coverage in the United States.
The major insurance companies that offer cheap insurance in Jersey City are New Jersey Manufacturers, and Travelers.
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