Cheap Car Insurance in Jersey City

Written by Xuyun Zeng and 2 others
Updated Sep 27, 2025
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Cheap Car Insurance in Jersey City

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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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$59 $705 Progressive 67 April 10, 2025 Jersey City, NJ 7306
$59 $709 Geico 30 May 22, 2025 Jersey City, NJ 7304
$62 $749 Geico 27 June 10, 2025 Jersey City, NJ 7306
$70 $841 Geico 51 September 12, 2025 Jersey City, NJ 7302
$74 $885 Progressive 51 September 12, 2025 Jersey City, NJ 7302
$76 $909 Geico 25 April 24, 2025 Jersey City, NJ 7306
$78 $932 Progressive 43 September 24, 2025 Jersey City, NJ 7306
$80 $955 Geico 32 June 5, 2025 Jersey City, NJ 7306
$81 $971 Geico 25 May 15, 2025 Jersey City, NJ 7306
$81 $976 Geico 32 April 28, 2025 Jersey City, NJ 7306
Last Updated Sept. 26, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$65 $783 Progressive 67 April 10, 2025 Jersey City, NJ 7306
$70 $841 Geico 51 September 12, 2025 Jersey City, NJ 7302
$88 $1,061 Progressive 57 September 1, 2025 Jersey City, NJ 7306
$89 $1,062 Progressive 51 September 12, 2025 Jersey City, NJ 7302
$91 $1,094 Progressive 43 September 24, 2025 Jersey City, NJ 7306
$96 $1,149 Progressive 57 August 28, 2025 Jersey City, NJ 7306
$103 $1,234 Progressive 44 June 23, 2025 Jersey City, NJ 7310
$104 $1,246 Progressive 50 March 28, 2025 Jersey City, NJ 7307
$109 $1,309 Geico 45 April 29, 2025 Jersey City, NJ 7306
$109 $1,310 Progressive 44 June 23, 2025 Jersey City, NJ 7307
Last Updated Sept. 26, 2025

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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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$38 $452 Geico 29 No September 19, 2025 Jersey City, NJ 7306
$56 $676 National General 29 No September 19, 2025 Jersey City, NJ 7306
$61 $731 ROOT 29 No September 19, 2025 Jersey City, NJ 7306
$62 $749 Geico 27 No June 10, 2025 Jersey City, NJ 7306
$65 $784 Geico 27 No June 26, 2025 Jersey City, NJ 7304
$96 $1,149 Progressive 57 August 28, 2025 Jersey City, NJ 7306
$103 $1,234 Progressive 44 June 23, 2025 Jersey City, NJ 7310
$104 $1,246 Progressive 50 March 28, 2025 Jersey City, NJ 7307
$109 $1,309 Geico 45 April 29, 2025 Jersey City, NJ 7306
$109 $1,310 Progressive 44 June 23, 2025 Jersey City, NJ 7307
Last Updated Sept. 26, 2025

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$45 $542 Mercury 33 No July 17, 2025 Jersey City, NJ 7306
$48 $577 Aspire Advantage 33 No July 17, 2025 Jersey City, NJ 7306
$54 $644 Progressive 40 No July 19, 2025 Jersey City, NJ 7302
$57 $682 Geico 49 No July 15, 2025 Jersey City, NJ 7305
$59 $708 Progressive 51 No September 12, 2025 Jersey City, NJ 7302
$96 $1,149 Progressive 57 August 28, 2025 Jersey City, NJ 7306
$103 $1,234 Progressive 44 June 23, 2025 Jersey City, NJ 7310
$104 $1,246 Progressive 50 March 28, 2025 Jersey City, NJ 7307
$109 $1,309 Geico 45 April 29, 2025 Jersey City, NJ 7306
$109 $1,310 Progressive 44 June 23, 2025 Jersey City, NJ 7307
Last Updated Sept. 28, 2025

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$39 $471 Progressive 67 April 10, 2025 Jersey City, NJ 7306 No
$57 $678 Progressive 57 September 1, 2025 Jersey City, NJ 7306 No
$58 $692 Progressive 57 August 28, 2025 Jersey City, NJ 7306 No
$60 $716 Progressive 56 June 4, 2025 Jersey City, NJ 7305 No
$65 $783 Progressive 67 April 10, 2025 Jersey City, NJ 7306 Yes
$96 $1,149 Progressive 57 August 28, 2025 Jersey City, NJ 7306
$103 $1,234 Progressive 44 June 23, 2025 Jersey City, NJ 7310
$104 $1,246 Progressive 50 March 28, 2025 Jersey City, NJ 7307
$109 $1,309 Geico 45 April 29, 2025 Jersey City, NJ 7306
$109 $1,310 Progressive 44 June 23, 2025 Jersey City, NJ 7307
Last Updated Sept. 26, 2025

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$38 $452 Geico 29 September 19, 2025 No Jersey City, NJ 7306
$39 $471 Progressive 67 April 10, 2025 No Jersey City, NJ 7306
$45 $542 Mercury 33 July 17, 2025 No Jersey City, NJ 7306
$48 $577 Aspire Advantage 33 July 17, 2025 No Jersey City, NJ 7306
$54 $644 Progressive 40 July 19, 2025 No Jersey City, NJ 7302
$56 $670 Progressive 50 March 28, 2025 No Jersey City, NJ 7307
$56 $676 National General 29 September 19, 2025 No Jersey City, NJ 7306
$57 $678 Progressive 57 September 1, 2025 No Jersey City, NJ 7306
$57 $682 Geico 49 July 15, 2025 No Jersey City, NJ 7305
$58 $692 Progressive 57 August 28, 2025 No Jersey City, NJ 7306
Last Updated Sept. 26, 2025

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.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $151 $1,806 Progressive 56 April 19, 2025 Jersey City, NJ 7305
<550 $158 $1,894 Progressive 38 November 29, 2024 Jersey City, NJ 7305
<550 $162 $1,945 Progressive 38 July 9, 2025 Jersey City, NJ 7305
<550 $186 $2,233 Progressive 56 April 20, 2025 Jersey City, NJ 7305
<550 $206 $2,466 Bristol West 40 July 18, 2025 Jersey City, NJ 7305
$56 $670 Progressive 50 Jersey City, NJ 7307
$56 $676 National General 29 Jersey City, NJ 7306
$57 $678 Progressive 57 Jersey City, NJ 7306
$57 $682 Geico 49 Jersey City, NJ 7305
$58 $692 Progressive 57 Jersey City, NJ 7306
Last Updated Sept. 25, 2025

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.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $67 $808 Progressive 41 No July 17, 2025 Jersey City, NJ 7310
At Fault With No Injury $79 $948 Progressive 32 No March 4, 2025 Jersey City, NJ 7302
At Fault With No Injury $95 $1,134 Progressive 39 No July 16, 2025 Jersey City, NJ 7304
At Fault With No Injury $103 $1,236 Progressive 37 No March 7, 2025 Jersey City, NJ 7304
At Fault With No Injury $112 $1,338 Progressive 28 No February 9, 2025 Jersey City, NJ 7304
$56 $670 Progressive 50 No Jersey City, NJ 7307
$56 $676 National General 29 No Jersey City, NJ 7306
$57 $678 Progressive 57 No Jersey City, NJ 7306
$57 $682 Geico 49 No Jersey City, NJ 7305
$58 $692 Progressive 57 No Jersey City, NJ 7306
Last Updated Sept. 28, 2025

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.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding over 15 $89 $1,072 Progressive 38 September 15, 2025 Jersey City, NJ 7306
Speeding over 15 $112 $1,342 Progressive 39 June 18, 2025 Jersey City, NJ 7305
Speeding over 15 $116 $1,394 Geico 38 June 8, 2025 Jersey City, NJ 7306
Speeding over 15 $121 $1,453 Geico 38 June 6, 2025 Jersey City, NJ 7306
Speeding over 15 $125 $1,501 Progressive 38 June 6, 2025 Jersey City, NJ 7306
$56 $670 Progressive 50 March 28, 2025 Jersey City, NJ 7307
$56 $676 National General 29 September 19, 2025 Jersey City, NJ 7306
$57 $678 Progressive 57 September 1, 2025 Jersey City, NJ 7306
$57 $682 Geico 49 July 15, 2025 Jersey City, NJ 7305
$58 $692 Progressive 57 August 28, 2025 Jersey City, NJ 7306
Last Updated Sept. 22, 2025

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.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
DUI $161 $1,937 Geico 49 May 30, 2025 Jersey City, NJ 7305
DUI $176 $2,116 Progressive 49 May 30, 2025 Jersey City, NJ 7305
DUI $277 $3,322 Bristol West 49 May 30, 2025 Jersey City, NJ 7305
DUI $518 $6,212 Progressive 28 June 4, 2025 Jersey City, NJ 7305
DUI $768 $9,210 Bristol West 28 June 4, 2025 Jersey City, NJ 7305
$56 $670 Progressive 50 March 28, 2025 Jersey City, NJ 7307
$56 $676 National General 29 September 19, 2025 Jersey City, NJ 7306
$57 $678 Progressive 57 September 1, 2025 Jersey City, NJ 7306
$57 $682 Geico 49 July 15, 2025 Jersey City, NJ 7305
$58 $692 Progressive 57 August 28, 2025 Jersey City, NJ 7306
Last Updated Sept. 22, 2025
MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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