Who Has The Best Car Insurance Rates In Jersey City?

Who Has The Best Car Insurance Rates In Jersey City?

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

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.

This shows the five companies in Jersey City with the lowest car insurance rates.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

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
1Plymouth Rock$999
2Farmers$1,065
3CSAA$1,161
4Palisades Insurance$1,280
5Norfolk & Dedham$1,304
6National General$1,399
7Tower Group$1,399
8USAA$1,551
9Foremost$1,621
10Founders Insurance$1,891
11PURE$1,940
12California Casualty$1,940
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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-LafayetteAllstate Insurance Agent: Emad Soliman844 Bergen Ave, Jersey City, NJ 07306
JFK Insurance Agency746 Bergen Ave, Jersey City, NJ 07306
Tawanda Jackson - State Farm Insurance Agent422 West Side Ave, Jersey City, NJ 07305
Freeway Insurance Services2184 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07305
MOMS Insurance Agency155 Martin Luther King Dr, Jersey City, NJ 07305
The HeightsUptown Auto Insurance324 Central Ave # A, Jersey City, NJ 07307
Mendez Agency263 Central Ave, Jersey City, NJ 07307
State Farm Insurance - Freddy Duran1025 Summit Ave, Jersey City, NJ 07307
Sam's Insurance & Travel3396 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07307
AMC Insurance Inc958 Summit Ave, Jersey City, NJ 07307
DowntownFrenkel & Company210 Hudson Street, Suite 601, Jersey City, NJ 07302
Diverse Insurance Agency225 Newark Avenue 2nd Floor, Jersey City, NJ 07302
Show All Rows
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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

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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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.