One-way streets, the Tonnele Circle and Jersey City’s many potholes are almost enough to make a New Jersey driver exchange their car keys for a transit pass. The right car insurance policy can protect your finances, but it’s wise to compare quotes from multiple insurers to find the best rate.
We’ve gathered car insurance quote data from Jerry customers to show you how your age, driving history and desired coverage can affect your rate.
More: Best car insurance in New Jersey
Cheapest minimum coverage insurance in Jersey City
New Jersey requires drivers to carry the following minimum coverage, which the state refers to as a “basic” policy:
- $5,000 in property damage liability.
- $15,000 in personal injury protection, or PIP, per person per accident.
Drivers can purchase a “standard” policy for additional coverage, but it’s not required. This policy includes:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $15,000 in PIP per person per accident.
Here are the cheapest quotes for minimum coverage that drivers in Jersey City have received through Jerry.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $54 | $644 | 40 | 07/19/25 | 07302 | ||
| $54 | $653 | 28 | 11/08/25 | 07307 | ||
| $59 | $707 | 51 | 09/21/25 | 07302 | ||
| $62 | $749 | 27 | 06/10/25 | 07306 | ||
| $63 | $757 | 57 | 08/05/25 | 07307 | ||
| $64 | $772 | 45 | 06/25/25 | 07306 | ||
| $67 | $804 | 31 | 06/02/25 | 07304 | ||
| $70 | $838 | 38 | 08/10/25 | 07302 | ||
| $73 | $881 | 42 | 09/23/25 | 07310 | ||
| $74 | $889 | 51 | 09/21/25 | 07302 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in New Jersey
Cheapest full coverage insurance in Jersey City
While minimum coverage can help pay for the other driver’s costs if you’re in an accident, it doesn’t cover damages to your car. Full coverage can help you make repairs if your car takes damage from hail, flooding, collisions and vandalism. These are the cheapest full coverage quotes that drivers in Jersey City have received via Jerry.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $70 | $841 | 51 | 09/12/25 | 07302 | ||
| $88 | $1,061 | 57 | 09/01/25 | 07306 | ||
| $88 | $1,061 | 51 | 09/21/25 | 07302 | ||
| $89 | $1,062 | 51 | 09/12/25 | 07302 | ||
| $91 | $1,094 | 43 | 09/24/25 | 07306 | ||
| $93 | $1,119 | 30 | 10/09/25 | 07302 | ||
| $96 | $1,149 | 57 | 08/28/25 | 07306 | ||
| $99 | $1,192 | 45 | 06/25/25 | 07306 | ||
| $102 | $1,225 | 66 | 09/12/25 | 07305 | ||
| $103 | $1,231 | 43 | 11/06/25 | 07305 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in Jersey City (18-29 years old)
Insurance providers often view young drivers as risky to insure. As a result, they often pay higher rates. Your insurance costs are likely to lower with age and experience. Below, you’ll find the cheapest quotes Jersey City drivers between 18 and 29 received through Jerry.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $54 | $653 | 28 | No | 11/08/25 | 07307 | ||
| $62 | $749 | 27 | No | 06/10/25 | 07306 | ||
| $65 | $784 | 27 | No | 06/26/25 | 07304 | ||
| $70 | $842 | 28 | No | 11/06/25 | 07304 | ||
| $77 | $929 | 26 | No | 07/18/25 | 07307 | ||
| $93 | $1,119 | 30 | 10/09/25 | 07302 | |||
| $96 | $1,149 | 57 | 08/28/25 | 07306 | |||
| $99 | $1,192 | 45 | 06/25/25 | 07306 | |||
| $102 | $1,225 | 66 | 09/12/25 | 07305 | |||
| $103 | $1,231 | 43 | 11/06/25 | 07305 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Jersey City (30-54 years old)
Drivers between 30 and 54 pay lower insurance premiums than younger drivers. Below are some of the cheapest quotes drivers in Jersey City have received via Jerry.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $54 | $644 | 40 | No | 07/19/25 | 07302 | ||
| $54 | $644 | 30 | No | 10/09/25 | 07302 | ||
| $57 | $680 | 40 | No | 10/26/25 | 07302 | ||
| $57 | $682 | 49 | No | 07/15/25 | 07305 | ||
| $59 | $707 | 51 | No | 09/21/25 | 07302 | ||
| $93 | $1,119 | 30 | 10/09/25 | 07302 | |||
| $96 | $1,149 | 57 | 08/28/25 | 07306 | |||
| $99 | $1,192 | 45 | 06/25/25 | 07306 | |||
| $102 | $1,225 | 66 | 09/12/25 | 07305 | |||
| $103 | $1,231 | 43 | 11/06/25 | 07305 |
Cheapest car insurance for older drivers in Jersey City (55+ years old)
Drivers older than 54 continue to see insurance costs fall until they reach their 70s, when rates may begin to rise again. Here are the cheapest rates that older drivers in Jersey City have been quoted through Jerry.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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Has Full Coverage
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|---|
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
|
Date of Quote
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City, State
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ZIP Code
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Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $57 | $678 | 57 | 09/01/25 | 07306 | No | ||
| $58 | $692 | 57 | 08/28/25 | 07306 | No | ||
| $60 | $716 | 56 | 06/04/25 | 07305 | No | ||
| $61 | $732 | 57 | 08/05/25 | 07307 | No | ||
| $66 | $793 | 57 | 08/05/25 | 07307 | No | ||
| $93 | $1,119 | 30 | 10/09/25 | 07302 | |||
| $96 | $1,149 | 57 | 08/28/25 | 07306 | |||
| $99 | $1,192 | 45 | 06/25/25 | 07306 | |||
| $102 | $1,225 | 66 | 09/12/25 | 07305 | |||
| $103 | $1,231 | 43 | 11/06/25 | 07305 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Jersey City
Drivers with zero violations or claims on their records typically qualify for the best auto insurance rates. Here are the cheapest quotes drivers with clean records in Jersey City have received through Jerry.
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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Has Full Coverage
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City, State
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ZIP Code
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|---|
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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Has Full Coverage
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $54 | $644 | 40 | 07/19/25 | No | 07302 | ||
| $54 | $653 | 28 | 11/08/25 | No | 07307 | ||
| $57 | $678 | 57 | 09/01/25 | No | 07306 | ||
| $57 | $680 | 40 | 10/26/25 | No | 07302 | ||
| $58 | $692 | 57 | 08/28/25 | No | 07306 | ||
| $59 | $707 | 51 | 09/21/25 | No | 07302 | ||
| $60 | $716 | 56 | 06/04/25 | No | 07305 | ||
| $60 | $718 | 43 | 11/06/25 | No | 07305 | ||
| $61 | $732 | 57 | 08/05/25 | No | 07307 | ||
| $62 | $749 | 27 | 06/10/25 | No | 07306 |
Cheapest car insurance for drivers with low credit scores in Jersey City
New Jersey allows insurers to use drivers’ credit histories to help calculate auto insurance premiums, but not all insurers weigh your credit the same, so it’s wise to compare costs from multiple insurers to find the best rate. Here are the cheapest quotes that drivers in Jersey City with credit scores below 550 have received via Jerry.
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Credit Score
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|
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Credit Score
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| <550 | $145 | $1,740 | 28 | 08/29/25 | 07304 | ||
| <550 | $151 | $1,806 | 56 | 04/19/25 | 07305 | ||
| <550 | $158 | $1,894 | 37 | 11/29/24 | 07305 | ||
| <550 | $167 | $2,001 | 28 | 08/05/25 | 07304 | ||
| <550 | $176 | $2,108 | 38 | 07/09/25 | 07305 | ||
| $59 | $707 | 51 | 07302 | ||||
| $60 | $716 | 56 | 07305 | ||||
| $60 | $718 | 43 | 07305 | ||||
| $61 | $732 | 57 | 07307 | ||||
| $62 | $749 | 27 | 07306 |
Cheapest car insurance for drivers with at-fault accidents in Jersey City
If you have an at-fault accident on your record, you can usually expect your premiums to rise. Comparing quotes from different providers may help you get a lower rate. Check out the cheapest quotes for Jersey City drivers with at-fault accidents on their records, based Jerry’s customer data.
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At-fault Accident on Record
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|
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At-fault Accident on Record
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $67 | $808 | 41 | No | 07/17/25 | 07310 | ||
| At Fault With No Injury | $76 | $916 | 33 | No | 11/28/24 | 07307 | ||
| At Fault With No Injury | $79 | $948 | 32 | No | 03/04/25 | 07302 | ||
| At Fault With No Injury | $83 | $990 | 31 | No | 03/25/25 | 07305 | ||
| At Fault With No Injury | $93 | $1,114 | 37 | No | 04/29/25 | 07305 | ||
| $59 | $707 | 51 | No | 07302 | ||||
| $60 | $716 | 56 | No | 07305 | ||||
| $60 | $718 | 43 | No | 07305 | ||||
| $61 | $732 | 57 | No | 07307 | ||||
| $62 | $749 | 27 | No | 07306 |
Cheapest car insurance for drivers with speeding tickets in Jersey City
If you get a speeding ticket on your record, your insurance premium will likely increase. Still, some insurers penalize speeding more than others, so getting multiple quotes can help you find the cheapest auto insurance premiums. Check out the cheapest quotes that drivers in Jersey City with tickets have received through Jerry.
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Violation Summary
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Violation Summary
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| Speeding over 15 | $83 | $990 | 34 | 09/21/25 | 07307 | ||
| Speeding under 15 | $89 | $1,072 | 38 | 09/15/25 | 07306 | ||
| Speeding over 15 | $99 | $1,186 | 28 | 08/31/25 | 07306 | ||
| Speeding over 15 | $112 | $1,342 | 39 | 06/18/25 | 07305 | ||
| Speeding under 15 | $116 | $1,394 | 38 | 06/08/25 | 07306 | ||
| $59 | $707 | 51 | 09/21/25 | 07302 | |||
| $60 | $716 | 56 | 06/04/25 | 07305 | |||
| $60 | $718 | 43 | 11/06/25 | 07305 | |||
| $61 | $732 | 57 | 08/05/25 | 07307 | |||
| $62 | $749 | 27 | 06/10/25 | 07306 |
Cheapest car insurance for drivers with DUIs in Jersey City
A DUI citation can raise your car insurance costs and may limit the number of insurers willing to cover you. Compare multiple quotes to find the most affordable coverage. Below are the cheapest quotes that drivers in Jersey City with DUIs have obtained via Jerry.
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Violation Summary
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
|
Date of Quote
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City, State
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ZIP Code
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|---|
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Violation Summary
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Avg Monthly Quote
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Avg Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| DUI | $123 | $1,480 | 34 | 11/17/25 | 07304 | ||
| DUI | $161 | $1,937 | 49 | 05/30/25 | 07305 | ||
| DUI | $176 | $2,116 | 49 | 05/30/25 | 07305 | ||
| DUI | $183 | $2,194 | 44 | 06/19/25 | 07307 | ||
| DUI | $206 | $2,477 | 44 | 08/05/25 | 07307 | ||
| $59 | $707 | 51 | 09/21/25 | 07302 | |||
| $60 | $716 | 56 | 06/04/25 | 07305 | |||
| $60 | $718 | 43 | 11/06/25 | 07305 | |||
| $61 | $732 | 57 | 08/05/25 | 07307 | |||
| $62 | $749 | 27 | 06/10/25 | 07306 |
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
