Who Has The Best Car Insurance Rates In Jersey City?
Find Cheap Auto Insurance Quotes in Your Area
We analyzed quotes in Jersey City and found that—on average—car insurance rates were $2,306 per year. However, your rates could be more than double that if you choose the wrong insurer, which makes it important to gather multiple quotes before purchasing an auto insurance policy. Enter your zip code into our tool above to get started, or continue reading to learn more about how to find the cheapest auto insurance in Jersey City.
Cheapest Auto Insurance Companies in Jersey City
Our study of five different driver profiles across 37 insurers found that Plymouth Rock offered the cheapest car insurance rates in Jersey City, with a cost of $999 per year. The other top insurers in the city were Farmers and CSAA. On average, car insurance costs from these three providers was $1,075 per year—53% less than the Jersey City average.
Find the Cheapest Auto Insurance Quotes in Your Area
A number of insurers that are local to the Jersey City area ranked among the top insurers in the city. These include Plymouth Rock, Palisades Insurance and Norfolk & Dedham. National insurers, on the other hand, typically had higher rates—with the exception of Farmers insurance which ranked as the second cheapest car insurance company.
|
Rank | Company | Average |
|---|---|---|
| 1 | Plymouth Rock | $999 |
| 2 | Farmers | $1,065 |
| 3 | CSAA | $1,161 |
| 4 | Palisades Insurance | $1,280 |
| 5 | Norfolk & Dedham | $1,304 |
| 6 | National General | $1,399 |
| 7 | Tower Group | $1,399 |
| 8 | USAA | $1,551 |
| 9 | Foremost | $1,621 |
| 10 | Founders Insurance | $1,891 |
| 11 | PURE | $1,940 |
| 12 | California Casualty | $1,940 |
| 13 | GEICO | $1,986 |
| 14 | Encompass | $2,077 |
| 15 | Progressive | $2,090 |
| 16 | Esurance | $2,154 |
| 17 | Amica | $2,183 |
| 18 | Mercury Insurance | $2,238 |
| 19 | MAPFRE Insurance | $2,242 |
| 20 | Hartford | $2,263 |
| 21 | Nationwide | $2,287 |
| 22 | Allstate | $2,329 |
| 23 | 21st Century | $2,347 |
| 24 | CURE | $2,360 |
| 25 | Ameriprise | $2,425 |
| 26 | Selective Insurance | $2,484 |
| 27 | Atlantic Employers | $2,579 |
| 28 | Bankers Insurance | $2,579 |
| 29 | State Farm | $2,609 |
| 30 | IFA Auto Insurance | $2,953 |
| 31 | Fireman's Fund | $3,037 |
| 32 | AIG | $3,314 |
| 33 | Hanover | $3,505 |
| 34 | Chubb | $3,639 |
| 35 | Kemper | $3,711 |
| 36 | Electric | $3,900 |
| 37 | Inverness Partners | $4,497 |
Car Insurance Companies and Agents in Jersey City
Though some companies primarily focus on selling auto insurance policies online, many people still prefer to talk to an insurance agent in person. To find a car insurance company or agent near you in Jersey City, consult our directory below.
|
Neighborhood | Insurer or Agent | Address |
|---|---|---|
| Bergen-Lafayette | Allstate Insurance Agent: Emad Soliman | 844 Bergen Ave, Jersey City, NJ 07306 |
| JFK Insurance Agency | 746 Bergen Ave, Jersey City, NJ 07306 | |
| Tawanda Jackson - State Farm Insurance Agent | 422 West Side Ave, Jersey City, NJ 07305 | |
| Freeway Insurance Services | 2184 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07305 | |
| MOMS Insurance Agency | 155 Martin Luther King Dr, Jersey City, NJ 07305 | |
| The Heights | Uptown Auto Insurance | 324 Central Ave # A, Jersey City, NJ 07307 |
| Mendez Agency | 263 Central Ave, Jersey City, NJ 07307 | |
| State Farm Insurance - Freddy Duran | 1025 Summit Ave, Jersey City, NJ 07307 | |
| Sam's Insurance & Travel | 3396 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07307 | |
| AMC Insurance Inc | 958 Summit Ave, Jersey City, NJ 07307 | |
| Downtown | Frenkel & Company | 210 Hudson Street, Suite 601, Jersey City, NJ 07302 |
| Diverse Insurance Agency | 225 Newark Avenue 2nd Floor, Jersey City, NJ 07302 | |
| Arch Insurance | 1 Harborside Pl, Jersey City, NJ 07311 | |
| Bass Underwriters | 30 Montgomery St #900, Jersey City, NJ 07302 | |
| Wexford Insurance | 45 Laidlaw Ave, Jersey City, NJ 07306 | |
| Greenville | Alberto Santana - State Farm Insurance Agent | 1755 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07305 |
| Plymouth Rock Assurance | 1643 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07305 | |
| Petrocci Agency | 1674 John Fitzgerald Kennedy Blvd # A, Jersey City, NJ 07305 | |
| MOMS Insurance Agency | 155 Martin Luther King Dr, Jersey City, NJ 07305 | |
| Henry Holtzmann Inc | 169 Danforth Ave, Jersey City, NJ 07305 | |
| Journal Square | Hemant Jiwnani - State Farm Insurance Agent | 3029 John Fitzgerald Kennedy Blvd ste 1, Jersey City, NJ 07306 |
| Farmers Insurance Company | 591 Summit Ave, Jersey City, NJ 07306 | |
| Primerica | 580 Summit Ave, Jersey City, NJ 07306 | |
| Allstate Insurance Agent: Emad Soliman | 844 Bergen Ave, Jersey City, NJ 07306 | |
| Amana Insurance | 41 Tonnelle Ave, Jersey City, NJ 07306 | |
| West Side | Coe Insurance Agency | 2330 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07304 |
| Tawanda Jackson - State Farm Insurance Agent | 422 West Side Ave, Jersey City, NJ 07305 | |
| Dieugrand Insurance | 582 West Side Ave, Jersey City, NJ 07304 | |
| AHS Insurance | 172 Mallory Ave, Jersey City, NJ 07304 | |
| Royale Insurance Agency | 2184 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07305 |
Jersey City Auto Insurance Requirements
Auto insurance requirements in Jersey City are the same as in the rest of the New Jersey. Drivers will have the choice of either a basic or a standard policy, which dictates the minimum amount of coverage. Below we've included a breakdown of the minimum coverage limits for both policy types.
|
Liability Coverage | Basic Policy | Standard Policy |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 per accident | $5,000 per accident |
| Personal injury protection | $15,000 per person / $30,000 per accident | $15,000 per person / $30,000 per accident |
Methodology
We obtained sample car insurance premiums from New Jersey’s Department of Banking and Insurance and for five example drivers across 37 insurers in Jersey City. Our profiled drivers had no violations or accidents in the past three years and selected the option of having a limited right to sue, which reduced their auto insurance quotes.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.