Jersey City Car Insurance

Your Complete Guide to Buying Car Insurance in Jersey City, NJ

Find the right car insurance policy for you.

As a major rail and shipping hub for the northeast US, Jersey City is a busy manufacturing and transportation center. Transportation is at its heart, so how you get into, out of and around the city could be of primary importance to you. Chances are you would be lost without your car. But if you fail to get Jersey City, NJ car insurance, you will lose your driving privileges.

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New Jersey Car Insurance Costs

  • National average cost per year: $1,311
  • New Jersey average cost per year: $1,595
  • 10th most expensive premiums in the US

New Jersey insurance costs are considerably above the national average, but keep in mind that this is only an estimate of how much your policy will cost you. Insurance quotes will take into consideration a number of factors unique to you, such as the make, model and year of your car and your driving record.

New Jersey Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): required
  • Uninsured Motorist: required
  • Minimum liability limits: 15/30/5
    • Coverage up to $15,000 per accident for one person
    • Coverage up to $30,000 per accident for all persons
    • Coverage up to $5,000 per accident for property damage

The state of New Jersey has some strict requirements for vehicle insurance, which probably helps explain the state's higher-than-average premiums. You will need someone working hard to keep your payment down and your coverage up.  A local agent can help you identify exactly what you need and how to go about getting competitive Jersey City auto insurance quotes. There are stiff penalties for failing to meet these requirements. For the first offense: $300 to $1,000 fine, community service and drivers license suspension for 1 year. Subsequent offenses carry a 14-day jail sentence, drivers' license suspension for 2 years, a fine of up to$5,000 and 30 days of community service.

New Jersey Uninsured Motorists

  • National uninsured motorists: 12.6%
  • New Jersey uninsured motorists: 10.3%
  • Average vehicle repair cost in New Jersey: $2,687

The number of uninsured drivers in New Jersey is considerably lower than the national figure, but there is always a chance that an uninsured motorist will be at fault in an accident. Your uninsured motorist coverage can provide the extra security and peace of mind that comes from knowing damages will be covered if an at-fault driver does not have liability insurance or the money for compensation.

Car Theft in New Jersey

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • New Jersey vehicle thefts (per 1,000 registered vehicles): 2.17

The rate of car theft in New Jersey is lower than the national rate, but there is still some risk that a thief will make off with your car. A few common-sense measures will decrease this risk. Be sure to always lock your car and park it in secure or well-lit areas whenever possible. Anti-theft devices and GPS can also help. And a comprehensive auto policy will reimburse your big investment in the event of a loss.

Factors Affecting Your Premium

Certain factors affect your Jersey City car insurance premium. Your age and where you live, and the age, model, and value of your car make a difference. And your past driving record will help or hinder depending on how safe you have been. Having alarms or anti-theft devices installed and having a garage or secure parking for your vehicle might also reduce the cost. You can also opt to add different coverage options on your Jersey City car insurance. You can add collision coverage and comprehensive (or "other than collision") insurance. 

If you've purchased a car and used a lending agency, your lender probably required you to have comprehensive insurance for the life of the loan. These two insurance options can help you recover costs for repairs to your vehicle. Alternatively, if you're hoping to keep your costs lower and did not take out a loan on your car, you can forgo these coverage options. Just make sure you have enough cash on hand to pay for repairs.

Get Covered Today

Your independent agent from our network doesn’t stop at getting you Jersey City auto quotes. The agent can take you through the whole process and help you with post-sale concerns, negotiations and other issues that might emerge later.

Contact an insurance agent from our network today for help finding affordable insurance and getting the insurance you need.

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