best car indemnity Jersey City
2022
The Cheapest and Best Car Insurance in Jersey City
The Cheapest Car Insurance Companies in Jersey City
The most low-cost car insurance providers, on average, for full coverage policies in Jersey City are :
- GEICO: $896 annually
- New Jersey Manufacturers: $1,232 annually
GEICO ’ second average annual premium of $ 896 is 160 % less than that charged by Jersey City ’ s most expensive policy party, Esurance, at $ 2,334. A full-coverage policy includes comprehensive and collision coverage ; however, your quotation mark may vary based on the sum of indebtedness insurance you choose .
Cheapest Car Insurance in Jersey City
Full Coverage 100/300/100
- party 100/300/100
per year
- 1 .GEICO
$896
- 2. New Jersey Manufacturers
$1,232
- 3 .MetLife
$1,324
- 4 .Progressive
$1,343
- 5 .Allstate
$1,480
- 6 .Amica Mutual
$1,540
- 7 .Travelers
$1,689
- 8 .Mercury
$1,904
- 9 .State Farm
$1,986
- 10 .Esurance
$2,334
MoneyGeek ’ s analysis used rates for a 40-year-old male driver carrying a full coverage policy as defined in our methodology. A comprehensive and collision coverage costs more than a policy with merely liability coverage. That ’ s because wax coverage car insurance provides the extra of helping to cover the costs of price to your cable car. It ’ s crucial to understand the deviation between comprehensive and collision coverages :
- Comprehensive Insurance: This protects you against non-collision-related damage to your car, such as damage sustained in adverse weather events or damage and loss by theft or vandalism.
- Collision Insurance: This covers the cost of damage to your car caused by an accident, either with another vehicle or with a stationary object.
Getting entire coverage car insurance for an older cable car may be more expensive than the car is worth. That means older car owners who wish to save money might opt for department of state minimum liability alone indemnity. Loading …
Cheapest Car Insurance in Jersey City for Minimum Coverage
The most cost-efficient alternative to fully car insurance is state minimum indebtedness only insurance. In Jersey City, the indemnity companies with the most competitive rates on average are :
- GEICO: $438 per year
- New Jersey Manufacturers: $687 per year
GEICO ’ randomness policy is $ 904 less than Esurance, the latter being $ 1,342 per class. Minimum coverage policies have the cheapest rates but besides the lowest coverage limits, and they do n’t include collision and comprehensive examination indemnity. In other words, with state minimal indebtedness lone cable car insurance, you risk not being in full covered. See how your insurance premiums can change with higher liability limits using the table below .
Cheapest Minimum Liability Car Insurance in Jersey City
submit Minimum
- ship’s company State Minimum
per year
- 1 .GEICO
$438
- 2. New Jersey Manufacturers
$687
- 3 .Progressive
$772
- 4 .Allstate
$826
- 5 .Amica Mutual
$840
- 6 .MetLife
$977
- 7 .Travelers
$1,157
- 8 .Mercury
$1,236
- 9 .State Farm
$1,326
- 10 .Esurance
$1,342
New Jersey state minimum coverage is 15/30/5, which all drivers must have. While this is the least expensive type of policy in Jersey City, it besides gives the least security. That means if you ‘re in an accident, you may be responsible for paying a big sum out of pocket. For case, if you ’ re found at-fault in an accident and the other driver ‘s aesculapian bills total $ 60,000, you ’ ll merely be covered for $ 15,000. You ’ ll have to pay the remainder of $ 45,000 yourself .
New Jersey Minimum Liability Requirements
- detail description
- property damage $ 5,000 for property damage. A more protective level is 100/300/100 .
- personal Injury Protection $ 15,000 per person .
Cheapest Car Insurance in Jersey City if You Have Driving Violations
dealings violations like DUIs and speeding tickets can increase the monetary value of your car indemnity premiums, as can at-fault accidents. The cheapest car insurance in Jersey City on modal for particular violations are :
- Cheapest after a ticket: GEICO, $896 annually
- Cheapest after an at-fault accident: GEICO, $1,230 annually
- Cheapest after a DUI: New Jersey Manufacturers, $1,464 annually
If you have a prior record of traffic violations, your best naturally of action is to improve your driving history over clock time. Because it may take a while to reduce your premiums, you should besides compare indemnity quotes to see which insurers in Jersey City offer the cheap car indemnity for drivers with bad records .
Cheapest Car Insurance in Jersey City With a Violation
Speeding slate
- company Speeding Ticket
per year
- 1 .GEICO
$896
- 2. New Jersey Manufacturers
$1,464
- 3 .Progressive
$1,721
- 4 .Allstate
$1,779
- 5 .Amica Mutual
$1,850
- 6 .MetLife
$1,992
- 7 .Travelers
$2,260
- 8 .Mercury
$2,822
- 9 .Esurance
$3,072
- 10 .State Farm
$3,326
Average Cost of Car Insurance in Jersey City
Jersey City
$1,573
New Jersey
$1,674
U.S.
$1,424
In Jersey City, the average price of car insurance is $ 1,573 per class, which is lower than the country average but higher than the home rate. Generally, drivers living in Jersey City will pay approximately 6 % less than New Jersey ’ sulfur median of $ 1,674 per year. On the other hand, drivers who live in Jersey City will pay about 10.4 % more than the $ 1,424 average premium in the United States per year.
Personalized Quotes to Get You the Cheapest Car Insurance in Jersey City
Location international relations and security network ’ t the only gene taken into report when computing your car insurance quotes in Jersey City. other factors like age, drive record, coverage level and make and model of your vehicle are crucial aspects american samoa well. In Jersey City, for exercise, Allstate coverage for an 18-year-old male driver costs $ 4,340 annually on average, which is closely three times more dearly-won than alike coverage for a 40-year-old male driver. In order to offer you the best possible car indemnity rates in Jersey City, insurers consider individual factors that can affect the risks associated with you as a driver. As your circumstances change over clock, you need to regularly request personalized quotes from respective companies, since you may be eligible for discounts and promotions. Loading …
The Best Car Insurance Companies in Jersey City
MoneyGeek ranked car policy companies in Jersey City to find those that offer timbre service and policies at a bonny price. The best overall insurers in the city for most drivers are :
- GEICO: MoneyGeek score of 98 out of 100
- New Jersey Manufacturers: MoneyGeek score of 93 out of 100
MoneyGeek ranked each car policy company using several factors. These include affordability, insurance company fiscal stability and customer satisfaction. We used multiple resources to obtain this information for our study, such as findings by J.D. Power, a data analytics company .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2
New Jersey Manufacturers
score :
97.5
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A+ fiscal constancy 3
GEICO
score :
92.5
5/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 4
Hartford
score :
87.5
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 5
State Farm
grade :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 6
Travelers
score :
85
2/5 Affordability 5/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 7
Progressive
score :
80
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 8
Nationwide
mark :
77.5
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 9
Farmers
score :
75
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 10
CSAA
score :
75
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 11
Plymouth Rock Assurance
mark :
72.5
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability 12
Liberty Mutual
score :
72.5
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 13
Allstate
score :
72.5
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
Average Cost of Car Insurance by Postal Code
In Jersey City, the average annual monetary value of car insurance scantily varies at all based on your ZIP code. Drivers living in ZIP code 07307 will pay good $ 9 more for their car indemnity coverage than drivers who live in ZIP code 07305 .
- Zip Code State Minimum
per year
- 07305
$1,567
- 07306
$1,576
- 07307
$1,576
Factors That Impact Insurance Costs in Jersey City
In summation to person driver needs and history, location-specific factors like personal injury protection coverage requirements and the share of uninsured motorists besides contribute to cable car insurance rates in Jersey City. How Jersey City ranks compared to the 300 most populous cities in the United States can have a meaning shock on premium costs .
Most Accidents With Fatalities
238th
/ 300
Most car Thefts
18th
/ 300
Most uninsured Motorists by State
14th
/ 50
personal Injury Protection Required Yes
Most annual rain
78th
/ 300
Most showery Days
67th
/ 300
Methodology and Assumptions
MoneyGeek ’ mho average bounty rates for Jersey City are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The median driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record. Learn more about MoneyGeek ’ sulfur data and methodology hera. About the author
Mark Fitzpatrick is a elder subject coach with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance commercialize and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a victor of Arts .