Average car insurance cost in Jersey City, New Jersey

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According to our data, the average annual cost of car insurance in Jersey City is $3,414 – $678 more than the New Jersey average cost and $901 more than when compared to the national average.

Where you live plays a big role in how much you pay for car insurance. Areas with high population density, theft and accident rates tend to have higher premiums.

Comparing car insurance rates in Jersey City to state and national averages can help you determine if you’re getting a good deal or if it’s time to explore other options. Below, we outline local trends, rate differences and ways to save.

Cheap car insurance companies in Jersey City

NJM offers the most affordable full coverage car insurance in Jersey City, at $2,441 annually, with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident, and $100,000 for property damage.

GEICO offers the second-lowest rate in Jersey City, with an average yearly premium of $2,700.

Car insurance rates vary by company because each insurer uses its own method to assess risk and determine premiums. That’s why it’s smart to compare quotes from different providers to find coverage that fits your needs and budget.

The following table compares average yearly and monthly car insurance costs from different companies in Jersey City.

Read about the best car insurance companies.

Average car insurance cost in Jersey City by coverage limits

Here’s a breakdown of average car insurance rates in Jersey City by coverage type.

• State minimum coverage: $1,449 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $1,562 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $3,414 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $707 per year

Most states require drivers to carry a minimum amount of liability insurance to legally operate a vehicle, but the specific coverage limits vary by state. Liability insurance is designed to cover injuries or property damage you cause to others in an accident.

However, it’s important to understand that minimum coverage won’t pay for your own medical bills or repairs to your vehicle if you’re at fault. If you want protection for your own car, you’ll need to add collision and comprehensive coverage to your policy.

Average car insurance rates by gender in Jersey City

In Jersey City, the average annual car insurance cost for female drivers is $3,405. Male drivers, on the other hand, pay $3,423 per year – that’s $18 more than what female drivers pay. While most states allow insurers to use gender when setting rates, there are states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania that prohibit the use of gender as a rating factor.

According to the Insurance Information Institute, or Triple-I, women tend to drive more cautiously and are involved in fewer serious accidents than men. Insurers factor this into their premium calculations, which is why men often pay more for car insurance.

Read more on how gender affects car insurance rates.

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Average car insurance rates by age in Jersey City

Teen drivers in Jersey City experience the highest insurance rates, paying an average of $13,548 per year or $1,129 per month.

According to the Insurance Information Institute, teens aged 16 to 19 are considered high-risk due to their inexperience behind the wheel. On average, teen drivers pay $7,925 more than young adults for insurance.

With age and experience, young drivers often see a drop in car insurance premiums. On average, 20 to 24-year-olds pay $5,623 per year – a difference of $7,925 less than compared to teen drivers.

Drivers in Jersey City aged 25 to 55 typically pay $3,395 a year for car insurance. For senior drivers aged between 60 and 75, the average annual premium is $3,208.

Read more on auto insurance for seniors.

The table below shows the average annual full coverage car insurance rates for drivers of different age groups.

Car insurance rate trends in Jersey City

Car insurance rates in Jersey City saw an upward trend between 2023 to 2025. During this period, average premiums Increased by 46% – a change of about $1,083.

The graph below tracks insurance costs from 2022 to 2025, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in Jersey City are higher than the New Jersey state average. Drivers can get affordable insurance rates by shopping around and comparing quotes from at least three to five insurance companies. You should also look for available discounts, such as a safe driver discount, low mileage and bundling discounts.

Methodology

Insure.com commissioned car insurance rates in 2025 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

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

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.