Cheap Auto Insurance Quotes in Jersey City, NJ (2023)

Car Insurance in Jersey City, NJ

Though not everyone drives in New Jersey, the six million registered vehicles in the state prove that a lot of people do. Drivers in Jersey City know that accidents happen and having good auto coverage just in case is important.

Average car insurance rates in New Jersey are $267 per month, making New Jersey the 14th most expensive state in the country for car insurance rates. But Jersey City residents can find cheaper car insurance if they know where to look. Use Insurify to compare customized car insurance quotes, get free quotes from 10+ providers and find your lowest rate today!

You may not know it, but your location is one of the most important factors in determining insurance premiums. The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates across New Jersey so you can see how Jersey City compares.

See More:

• Cheap Car Insurance New Jersey

• Compare Car Insurance

Cheapest Car Insurance in Jersey City, NJ

Car insurance costs in Jersey City will vary between insurance companies. That’s because every insurance provider weighs aspects such as your age or your driving record a bit differently. The type of car insurance coverage you choose will also affect your rates. Full-coverage car insurance will cost more than minimum liability coverage.

While the following are the cheapest car insurance quotes on average for Jersey City drivers, it’s always a good idea to compare quotes from multiple providers. Use Insurify to find the best auto insurance rates for you today.

Best Car Insurance in Jersey City, NJ

While price is an important factor, the car insurance company with the lowest premium and highest deductible is not always the best option. We evaluated a range of financial strength and customer satisfaction indicators to find the best car insurance companies in Jersey City, so you can compare our results against your individual quotes for auto insurance coverage.

See More: Best Car Insurance Companies

Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in New Jersey

All motor vehicles operated or parked on New Jersey roadways are required to be insured with either a basic or standard insurance plan. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

Where the basic plan only requires $5,000 per accident of property damage liability insurance, the minimum liability insurance requirements for a standard plan in New Jersey^[1] are:

• $15,000 per person for bodily injury

• $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Jersey is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $15,000per person for uninsured underinsured motorist bodily injury

• $30,000 per accident for uninsured/underinsured motorist bodily injury

• $5,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.

Jersey City Car Insurance Rates by Driver Age

Car insurance rates usually decrease with age because young drivers have less experience and are more likely to get into a car accident. Teens and young drivers see the highest rates while motorists who are older see some of the lowest car insurance premiums. Here are the average rates you can expect for New Jersey auto insurance.

Jersey City Car Insurance Rates by Driving and Accident History

On average, your insurance rates will increase if you have any infractions on your driving record. That’s because insurance providers view drivers with infractions such as a speeding ticket, a DUI, or a car accident as riskier to insure than drivers with a clean record. You can compare average car insurance costs for drivers with different driving histories below.

See More:

• High-risk Car Insurance New Jersey

• DUI Car Insurance New Jersey

Jersey City Car Insurance Rates by Credit Tier

Many insurers use your credit score when determining your rate. That’s because research shows that people with low scores account for a higher percentage of paid claims. Drivers with better credit see lower car insurance rates than drivers with bad credit. Here’s what you can expect to pay for car insurance in Jersey City, NJ, based on your credit score:

See More: Bad Credit Car Insurance New Jersey

Find local Jersey City agents

Jersey City, NJ DMV Information

When it comes to taking care of their DMV-related needs, New Jersey drivers can get things done using in-person services or online options. For vehicle registration or drivers license needs, you can make an appointment at any motor vehicle center and skip the wait. The Jersey City Motor Vehicle Commission is located at:

438 Summit Ave
Jersey City, NJ 07306
(609) 292-6500

Public Transportation in Jersey City, NJ

Jersey City’s mass transit options help residents to their destinations by rail, water, and bus, and that’s a good thing because 48 percent of Jersey City residents use public transportation options to commute. Calling a cab service is an option here, too. Can’t be on someone else’s timetable? On-demand rideshare services like Uber and Lyft operate in Jersey City as well.

How To The Cheapest Car Insurance in Jersey City, NJ

Whether you’re looking for minimum coverage or full coverage with the ability to bundle your auto insurance policy with your renters or homeowners insurance, you can find a cheap car insurance policy by comparing quotes with Insurify . Our system provides you with real quotes from national providers such as Allstate and from local insurance companies in your area.

The days going from insurance agency to insurance agency to get quotes are over. With Insurify , simply enter some information about your vehicle and driving history to get started. It’s free to use, and the average Insurify user saves $585 annually just by switching to a provider they found on the platform. You can also use Insurify to find home insurance and life insurance.

For more detailed New Jersey city level guides, check out these below.

• Average Cost of Car Insurance Rates in New Jersey

• DUI Car Insurance Rates in New Jersey

• High-Risk Driver Car Insurance Rates in New Jersey

• New Jersey Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in New Jersey

• SR-22 Insurance in New Jersey

FAQs - Jersey City, NJ Car Insurance