We analyzed car insurance quotes in Jersey City, and found that rates were roughly $2,350 for a sample set of five types of single and married drivers from Historic Downtown to West Side. Rates in JC are roughly on par with the state mean in a separate analysis of auto insurance rates in New Jersey, but actual rates will vary depending on the insurer and driving experience. Some drivers may be paying double for their coverages based on their carrier choice alone, which makes it important to do some research before purchasing a policy. Use the tool above to get started, or continue reading to learn more about cheap auto insurance in Jersey City.
- Cheapest Auto Insurance in Jersey City
- Cheapest Car Insurance by Driver
- Policy and Coverage Assumptions
We reviewed premiums for five different types of drivers across 38 companies to determine who had the cheapest auto insurance rates in Jersey City. Using the five drivers (three single drivers, a married middle-aged couple, and a married senior citizen couple) as a benchmark, the three lowest-priced carriers were Plymouth Rock, Farmers, and CSAA. On average, for our five profiled drivers, car insurance rates were $1,075 from the three providers - that's a 54% or a little more than a $1,000 difference from the state average.
The Most Expensive Car Insurance Companies
The most expensive auto insurance providers in Jersey City are Personal Services Insurance Company, Harleysville Insurance and Electric based on our five motorist scenarios. Generally speaking, our profiled drivers can pay for almost four years of coverage at one of the three lowest cost carriers above for one year’s worth of insurance with one of the three most expensive. This large difference emphasizes the importance for drivers to shop around for insurance before settling for a company if costs are an important factor. Enter your zip code in the tool below to find car insurance companies near you.
List of Auto Insurance Companies in Jersey City
Below we have ranked the 38 carriers from the most affordable auto insurance companies onward, but not every driver qualifies for each insurer. Three specialty insurers included on our list are USAA, California Casualty, and CSAA (AAA). USAA only offers insurance to members of the U.S. military, veterans and their families. California Casualty only underwrites drivers who have careers as educators, peace officers, EMT, firefighters, and nurses. Lastly, CSAA requires membership with AAA, whose fees range from $60 - $122 a year in New Jersey depending on the membership tier. For more information on the auto insurance companies in New Jersey, click here.
|5||Norfolk & Dedham||1,304|
|30||IFA Auto Insurance||2,953|
|38||Personal Service Insurance Company||4,497|
*These companies are specialty insurers, meaning that not every driver can be eligible to purchase a policy with these companies as explained above.
To conduct our research, we looked at five sample drivers and their insurance rates: a single male aged 23, a middle-aged married couple spanning 30 and 49, a single male aged 35, a married couple at least the age of 65, and a single female aged 23. The table below shows the three cheapest carriers for each driver.
|Profile||Cheapest Insurer #1||Cheapest Insurer #2||Cheapest Insurer #3|
|Single man, 23||Plymouth Rock||$1,112||Farmers||$1,125||CSAA||$1,413|
|Single female, 23||USAA||272||Norfolk & Dedham||340||Plymouth Rock||395|
|Married couple, 30 - 49||Farmers||1,537||Plymouth Rock||1,635||National General||1,684|
|Single man, 35||Plymouth Rock||828||Palisades Insurance||1,144||CSAA||1,155|
|Married couple, 65||Norfolk & Dedham||698||National General||787||Tower Group||787|
Single 23 Year-Old Man
The cheapest car insurers in Jersey City for our young single male in his early 20s were Plymouth Rock, Farmers, CSAA, Foremost, and Palisades Insurance. We found that the average annual quote for these drivers was $2,955 for a policy with $15,000 / $ 30,000 in bodily injury coverage. However, if they insure with one of the five most affordable companies, they can save roughly 44%, or over $1,000 a year on car insurance, allowing drivers to use this money for other expenses.
Single 23 Year-Old Woman
For a young woman in her early 20s, the cheapest auto insurers are USAA, Norfolk & Dedham, Plymouth Rock, CSAA and Atlantic Employers. Our sample driver in JC has an average annual premium of $1,136 for commuting to work with her Buick LaCrosse CX for the most minimal liability coverage. If these drivers would like to save more money, insuring with one of these five most affordable companies can lower car insurance rates to under $500 a year.
Single 35 year-old Man
We suggest single males in their mid-30s should include quotes from the most inexpensive insurers for their category, which are Plymouth Rock, Palisades Insurance, CSAA, Farmers, and Norfolk & Dedham. On average, our example man will pay an annual premium of $2,232 when using their vehicle for pleasure and commuting to a mass transit station to go to work. Meanwhile if they insure with one of the cheapest carriers, they will save 50%, or over $1,000 a year.
Married Couple 30-49 Year-Old
Married couples in the age range of 30-49 with a Ford Taurus SE and a Chrysler Town & Country LX on average paid $3,567 for car insurance with limits of 100/300/25. However, if they purchase a policy from one of the cheaper insurers, they will pay a premium in the $1,000 range. We recommend that married couples consider getting quotes from the most affordable auto insurance companies, which we found to be Farmers, Plymouth Rock, National General, Tower Group, and CSAA.
Married Couple 65+ Years-Old
Based on our analysis, we recommend that married couples in this age range include auto insurance quotes from Norfolk & Dedham, National General, Tower Group, Farmers, and CSAA when looking for afforable rates. Our sample senior citizen couple had a one-car policy and shared a Ford Taurus SE with coverage of 100/300/25. While the average going rate for the senior JC drivers in our analysis was $1,858, if drivers obtain a policy with one of these five low cost providers, they can pay less than $820 a year for car insurance and keep more money in the bank.
We obtained sample car insurance premiums from New Jersey’s Department of Banking and Insurance and for five example drivers across 38 insurers in the state of New Jersey. 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. All drivers had a single car policy, with the exception of the younger couple who had a 2012 Ford Taurus SE and 2010 Chrysler Town & Country LX. Both of our 23 year-olds own a 2007 Buick Lacrosse CX, while our older couple drove a 2012 Ford Taurus SE.
- Single male, age 23: $25,000 Personal Injury Protection coverage with $250 deductible, 15/30/5 liability insurance, as well as Uninsured Motorists coverage in the same limits. He also purchased both coverages of physical damage insurance, both with a $750 deductible.
- Single female, age 23: purchased a Basic Policy, which includes $5,000 Property Damage coverage, and $15,000 Personal Injury Protection.
- Single male, age 35/Married Couple, age 30-49/Married Couple, age 65+: all three policies included 100/300/25 Liability insurance and Uninsured Motorists coverage, Personal Injury Protection of $25k (with $250 deductible), and both Comprehensive and Collision coverage with a $750 deductible.