Cheapest car insurance companies in Jersey City
After an in-depth analysis, Insurance.com found that New Jersey Manufacturers and Geico are the cheapest car insurance companies in Jersey City for 2023.
In Jersey City, New Jersey Manufacturers provides the cheapest auto insurance rates to drivers at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,433 annually.
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.
| Companies | Average 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
Geico offers the cheapest full coverage car insurance for teenage drivers in Jersey City, with an average annual cost of $3,722 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
Among the carriers analyzed, New Jersey Manufacturers is the cheapest car insurance option for young drivers in Jersey City, at $2,379 a year for a full coverage policy.
An analysis of car insurance rates for Jersey City drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. New Jersey Manufacturers offers the cheapest full-coverage car insurance rates at $1,424 per year.
With an average annual premium of $1,341, New Jersey Manufacturers offers Jersey City's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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
Your driving profile plays an important role in determining your car insurance rates in Jersey City. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
Finding the cheapest car insurance in Jersey City requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
Below are some of the cheapest car insurance companies in Jersey City by driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: Geico
- Cheapest for accident: Geico
- Cheapest for DUI: Geico
Cheapest for a driver with poor credit: Geico
The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Jersey City drivers at about $3,125 per year.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Jersey City.
| Company | Average annual rates |
|---|---|
| Geico | $3,125 |
| Allstate | $4,587 |
| State Farm | $4,765 |
| Travelers | $5,342 |
| Progressive | $5,368 |
| Farmers | $5,559 |
Cheapest for drivers with a speeding ticket: Geico
Geico offers the cheapest auto insurance rates for drivers with a speeding ticket in Jersey City. It provides full coverage car insurance for drivers aged 30 at about $1,493 per year.
Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.
| Company | Average annual premium |
|---|---|
| Geico | $1,493 |
| Allstate | $3,115 |
| Travelers | $3,461 |
| State Farm | $3,648 |
| Progressive | $4,610 |
| Farmers | $5,784 |
Cheapest auto insurance after an at-fault accident: Geico
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that Geico offers the cheapest car insurance rates for Jersey City drivers with at-fault accidents. It provides coverage at an average annual cost of $1,996.
| Company | Average annual rates |
|---|---|
| Geico | $1,996 |
| State Farm | $4,437 |
| Travelers | $4,549 |
| Progressive | $5,732 |
| Allstate | $5,950 |
| Farmers | $10,539 |
Cheapest auto insurance after a DUI: Geico
Geico is the carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. that offers cheap auto insurance rates in Jersey City for drivers after a DUI. Its average annual rate for full coverage is $3,331.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average 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
The average car insurance rate in Jersey City for full coverage is $2,331 per year or $194 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Jersey City is $1,085 per year.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State 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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