Cheapest car insurance companies in Jersey City 

According to a study by Insurance.com, the cheapest car insurance companies in Jersey City for 2023 are New Jersey Manufacturers and Geico

New Jersey Manufacturers is the cheapest option for most Jersey City drivers, with an average annual rate of $1,433

Car insurance prices in Jersey City can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Jersey City drivers.

CompaniesAverage annual rates
New Jersey Manufacturers$1,433
Geico$1,695
Plymouth Rock Assurance$1,947
Travelers$2,104
Selective Insurance$2,286
Progressive$2,565
State Farm$2,814
Farmers$2,895
Allstate$3,240

Cheapest car insurance cost in Jersey City by Age Group 

In Jersey City, Geico is the cheapest car insurance company for teenagers, offering full coverage policies at $3,722 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

New Jersey Manufacturers provides the cheapest car insurance coverage for young drivers in Jersey City, with an annual premium of $2,379 on average.

As Jersey City drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. New Jersey Manufacturers stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,424

New Jersey Manufacturers is the cheapest option for senior drivers in Jersey City, with an average premium of $1,341 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
Geico$3,722$2,671$1,716$1,687
New Jersey Manufacturers$4,878$2,379$1,424$1,341
Travelers$5,275$2,661$2,038$1,897
Plymouth Rock Assurance$6,741$2,433$1,947$2,148
State Farm$7,313$4,689$2,827$2,292
Selective Insurance$8,609$3,902$2,335$2,042
Progressive$11,069$4,207$2,553$2,873
Allstate$11,128$5,169$3,190$2,758
Farmers$14,402$4,754$2,863$2,983

Cheapest car insurance companies in Jersey City by driver profile 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Jersey City. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

When it comes to finding the cheapest car insurance rates in Jersey City, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

Here are some of the cheapest car insurance companies in Jersey City based on driver profile. 

Geico has the cheapest rates for Jersey City drivers with poor credit looking for affordable auto insurance. At an annual cost of $3,125, Geico offers substantial savings among the insurers analyzed.

The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores. 

CompanyAverage annual rates
Geico$3,125
Allstate$4,587
State Farm$4,765
Travelers$5,342
Progressive$5,368
Farmers$5,559

Geico offers the cheapest auto insurance rates for drivers with a speeding ticket in Jersey City. It offers full coverage car insurance for drivers aged 30 at about $1,493 per year

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
Geico$1,493
Allstate$3,115
Travelers$3,461
State Farm$3,648
Progressive$4,610
Farmers$5,784

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Jersey City with at-fault accidents on their driving records can find the cheapest car insurance rates with Geico. Its full coverage policy costs an average of $1,996 annually.

CompanyAverage annual rates
Geico$1,996
State Farm$4,437
Travelers$4,549
Progressive$5,732
Allstate$5,950
Farmers$10,539

Geico is the carrier that offers cheap auto insurance rates in Jersey City for drivers after a DUI. Its average annual rate for full coverage is $3,331

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
Geico$3,331
Allstate$4,111
Travelers$4,755
Progressive$5,095
Farmers$6,264
State Farm$8,773

Average car insurance cost in Jersey City 

In Jersey City, the annual cost of car insurance for the coverage level of 100/300/100 is $2,331 or around $194 per month. However, the average yearly rate for state minimum coverage in Jersey City is $1,085.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState minimum average
$2,331$1,085

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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