Who Has The Best Car Insurance Rates In Jersey City?

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

Find the Cheapest 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

CompanyAverage
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
13GEICO$1,986
14Encompass$2,077
15Progressive$2,090
16Esurance$2,154
17Amica$2,183
18Mercury Insurance$2,238
19MAPFRE Insurance$2,242
20Hartford$2,263
21Nationwide$2,287
22Allstate$2,329
2321st Century$2,347
24CURE$2,360
25Ameriprise$2,425
26Selective Insurance$2,484
27Atlantic Employers$2,579
28Bankers Insurance$2,579
29State Farm$2,609
30IFA Auto Insurance$2,953
31Fireman's Fund$3,037
32AIG$3,314
33Hanover$3,505
34Chubb$3,639
35Kemper$3,711
36Electric$3,900
37Inverness 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 AgentAddress
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
Arch Insurance1 Harborside Pl, Jersey City, NJ 07311
Bass Underwriters30 Montgomery St #900, Jersey City, NJ 07302
Wexford Insurance45 Laidlaw Ave, Jersey City, NJ 07306
GreenvilleAlberto Santana - State Farm Insurance Agent1755 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07305
Plymouth Rock Assurance1643 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07305
Petrocci Agency1674 John Fitzgerald Kennedy Blvd # A, Jersey City, NJ 07305
MOMS Insurance Agency155 Martin Luther King Dr, Jersey City, NJ 07305
Henry Holtzmann Inc169 Danforth Ave, Jersey City, NJ 07305
Journal SquareHemant Jiwnani - State Farm Insurance Agent3029 John Fitzgerald Kennedy Blvd ste 1, Jersey City, NJ 07306
Farmers Insurance Company591 Summit Ave, Jersey City, NJ 07306
Primerica580 Summit Ave, Jersey City, NJ 07306
Allstate Insurance Agent: Emad Soliman844 Bergen Ave, Jersey City, NJ 07306
Amana Insurance41 Tonnelle Ave, Jersey City, NJ 07306
West SideCoe Insurance Agency2330 John Fitzgerald Kennedy Blvd, Jersey City, NJ 07304
Tawanda Jackson - State Farm Insurance Agent422 West Side Ave, Jersey City, NJ 07305
Dieugrand Insurance582 West Side Ave, Jersey City, NJ 07304
AHS Insurance172 Mallory Ave, Jersey City, NJ 07304
Royale Insurance Agency2184 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 PolicyStandard 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.

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