- Car insurance in Jersey City cost an average of $2,270 per year, or approximately $189 per month for full coverage.
- Monthly car insurance rates for a few popular vehicles in Jersey City include the Ram Truck at $219, Mazda CX-5 at $154, and Toyota Tacoma at $192.
- For cheap car insurance in Jersey City, NJ, small SUV models like the Subaru Crosstrek, Buick Envision, Chevrolet Trailblazer, and Hyundai Venue cost less than most other vehicles.
- Vehicles with segment-leading car insurance rates include the Chevrolet Tahoe at $2,132 per year, Jaguar E-Pace at $2,122 per year, Chevrolet Colorado at $1,942 per year, and Acura Integra at $2,018 per year.
How much does Jersey City car insurance cost?
The average car insurance expense in Jersey City is $2,270 per year, which is approximately $189 per month. Jersey City car insurance costs 18.6% more than the U.S. overall average rate of $1,883.
Average auto insurance cost in New Jersey is $2,278 per year, so Jersey City, NJ, drivers pay an average of $8 less per year than the overall New Jersey state-wide average rate. The cost to insure a car in Jersey City compared to other New Jersey cities is $268 per year cheaper than in Elizabeth, $154 per year more expensive than in Trenton, and $390 per year cheaper than in Newark.
The age of the rated driver is one of the largest factors in the price you pay for auto insurance, so the list below illustrates this point by breaking out average car insurance rates based on the age of the driver.
Average cost of car insurance in Jersey City, New Jersey, for drivers age 16 to 60
- 16-year-old rated driver – $8,083 per year or $674 per month
- 17-year-old rated driver – $7,831 per year or $653 per month
- 18-year-old rated driver – $7,020 per year or $585 per month
- 19-year-old rated driver – $6,391 per year or $533 per month
- 20-year-old rated driver – $4,566 per year or $381 per month
- 30-year-old rated driver – $2,422 per year or $202 per month
- 40-year-old rated driver – $2,270 per year or $189 per month
- 50-year-old rated driver – $2,012 per year or $168 per month
- 60-year-old rated driver – $1,884 per year or $157 per month
The chart below shows examples of average Jersey City auto insurance cost broken out for a wide range of driver ages and policy risk profiles. Rates are averaged for all 2024 model year vehicles including luxury vehicles.
Average rates in the chart above range from $1,888 per year for a 40-year-old driver who qualifies for a cheap discount rate to $5,218 per year for a 20-year-old driver who is required to buy high risk car insurance. In this article, the rate used for comparison of different segments, models, and locations is the 40-year-old safe driver rate, which has an average cost of $2,270 per year in Jersey City.
As a monthly rate, car insurance cost in Jersey City ranges from $157 to $435 for the same driver risk profiles shown in the prior chart.
Car insurance rates have different premiums for every driver and are impacted by many different factors. The possibility of a wide range of rates emphasizes the need to get accurate auto insurance quotes when looking for cheaper auto insurance.
Specific vehicles and the cost of insurance
The car insurance costs referenced previously consist of an average based on every 2024 vehicle model, which is suitable for making general comparisons such as the average cost difference by driver age or location. For more accurate price comparisons, however, we will get better data if we analyze the specific model of vehicle being insured.
Later in this article, we get into both rates by vehicle segment and rates for many different specific vehicles, but for now, a few of the most popular models will be used to see how car insurance rates measure up in Jersey City.
The chart below details insurance rates for some of the more popular vehicles that you will find driving around Jersey City.
The most popular vehicle models in Jersey City tend to be small or midsize cars like the Toyota Corolla and Nissan Altima and compact or midsize SUVs like the Honda CR-V and Jeep Grand Cherokee.
A few additional popular models from different automotive segments include luxury SUVs like the Cadillac XT5, Acura MDX, and Infiniti QX60, luxury cars like the Infiniti Q50, Tesla Model S, and BMW 530i, and pickup trucks like the Ram 1500, Chevy Silverado, and Toyota Tacoma.
We will explore more auto insurance rates a little later in this article, but before we do that, let’s take a condensed look at the important concepts we covered earlier.
- Insurance for teenagers can be expensive – Average cost ranges from $5,403 to $8,083 per year for insurance on a teen driver in Jersey City, NJ.
- Car insurance is generally cheaper the older you are – Average rates for a 60-year-old driver in Jersey City are $2,682 per year cheaper than for a 20-year-old driver.
- Teen females pay cheaper rates than teenage males – Teenage females pay $988 to $532 less each year than their male counterparts.
- Jersey City, New Jersey, car insurance cost is more than the U.S. average – $2,270 (Jersey City average) compared to $1,883 (U.S. average)
- Jersey City car insurance prices are cheaper than the New Jersey state average – $2,270 (Jersey City average) versus $2,278 (New Jersey average)
- Average car insurance cost per month ranges from $157 to $674 – That is the average car insurance cost range for insured drivers age 16 to 60 in Jersey City, New Jersey.
In Jersey City, which vehicles have the cheapest car insurance rates?
When rates are compared for all models, the vehicles with the most affordable auto insurance quotes in Jersey City, NJ, tend to be small SUVs like the Subaru Crosstrek, Kia Soul, and Buick Envision. Average car insurance prices for those small SUVs cost $1,842 or less per year, or $154 per month, for a policy with full coverage.
Some other models that rank very well in our car insurance price comparison are the Chevrolet Colorado, Nissan Murano, Buick Envista, and Volkswagen Tiguan.
Average auto insurance rates are somewhat higher for those models than the cheapest compact SUVs that rank at the top, but they still have an average cost of $1,946 or less per year, or $162 per month in Jersey City.
The following table ranks the cheapest vehicles to insure in Jersey City, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,678 | $140 |
| 2 | Chevrolet Trailblazer | $1,706 | $142 |
| 3 | Kia Soul | $1,772 | $148 |
| 4 | Nissan Kicks | $1,786 | $149 |
| 5 | Honda Passport | $1,808 | $151 |
| 6 | Buick Envision | $1,820 | $152 |
| 7 | Toyota Corolla Cross | $1,830 | $153 |
| 8 | Hyundai Venue | $1,842 | $154 |
| 9 | Mazda CX-5 | $1,852 | $154 |
| 10 | Ford Bronco Sport | $1,860 | $155 |
| 11 | Volkswagen Tiguan | $1,880 | $157 |
| 12 | Acura RDX | $1,898 | $158 |
| 13 | Nissan Murano | $1,906 | $159 |
| 14 | Buick Encore | $1,928 | $161 |
| 15 | Subaru Outback | $1,934 | $161 |
| 16 | Honda CR-V | $1,936 | $161 |
| 17 | Buick Envista | $1,938 | $162 |
| 18 | Chevrolet Colorado | $1,942 | $162 |
| 19 | Volkswagen Taos | $1,944 | $162 |
| 20 | Kia Niro | $1,946 | $162 |
| 21 | Subaru Ascent | $1,974 | $165 |
| 22 | Toyota GR Corolla | $1,974 | $165 |
| 23 | Honda HR-V | $1,976 | $165 |
| 24 | Nissan Leaf | $1,988 | $166 |
| 25 | Honda Civic | $2,010 | $168 |
| 26 | Lexus NX 250 | $2,010 | $168 |
| 27 | Volkswagen Atlas | $2,014 | $168 |
| 28 | Acura Integra | $2,018 | $168 |
| 29 | Volkswagen Atlas Cross Sport | $2,022 | $169 |
| 30 | Subaru Forester | $2,026 | $169 |
| 31 | Kia Seltos | $2,028 | $169 |
| 32 | GMC Terrain | $2,032 | $169 |
| 33 | Nissan Rogue | $2,038 | $170 |
| 34 | Hyundai Kona | $2,042 | $170 |
| 35 | Mazda CX-30 | $2,046 | $171 |
| 36 | Cadillac XT4 | $2,048 | $171 |
| 37 | Volkswagen ID4 | $2,058 | $172 |
| 38 | Ford Explorer | $2,060 | $172 |
| 39 | Toyota Highlander | $2,066 | $172 |
| 40 | Ford Escape | $2,070 | $173 |
| 41 | Toyota Venza | $2,072 | $173 |
| 42 | Honda Odyssey | $2,074 | $173 |
| 43 | Nissan Sentra | $2,080 | $173 |
| 44 | Subaru Impreza | $2,086 | $174 |
| 45 | Hyundai Ioniq 6 | $2,088 | $174 |
| 46 | Toyota RAV4 | $2,088 | $174 |
| 47 | Chevrolet Equinox | $2,090 | $174 |
| 48 | Mazda MX-5 Miata | $2,100 | $175 |
| 49 | Mazda MX-30 | $2,106 | $176 |
| 50 | Hyundai Tucson | $2,110 | $176 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Jersey City, NJ Zip Codes. Updated February 23, 2024
The table above that contains 50 vehicle rankings probably isn’t the best way to show the full picture of the cost of auto insurance. Considering we track over 700 vehicles, a lot of models get left out. So let’s rethink this and show the cheapest models in a more useful way.
This next section further discusses the average cost of car insurance for each vehicle segment. These rates should give you a better understanding of the types of vehicles that have the overall least expensive auto insurance rates in Jersey City. Then the following six sections break out and rank the cheapest insurance rates for individual models for each segment.
Jersey City auto insurance rates by automotive segment
If you’re considering buying a different vehicle, it’s useful to know which kinds of vehicles have more favorable car insurance rates. For example, you may be curious if midsize cars are cheaper to insure than full-size cars or if sports cars cost less to insure than luxury cars.
The chart below shows the average cost of car insurance rates in Jersey City for different vehicle segments. From a segment comparison perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the least expensive rates, with high-performance exotic models having the highest average insurance cost.
Rates by different vehicle segments can be used for blanket comparisons, but auto insurance cost varies greatly within each vehicle category shown in the previous chart.
For example, in the small luxury car segment, rates range from the Acura Integra costing $2,018 per year to the BMW M340i at $2,772 per year, a difference of $754 within that segment. For another example, in the large truck segment, the average insurance cost ranges from the Nissan Titan costing $2,120 per year up to the Toyota Tundra costing $2,702 per year, a difference of $582 within that segment.
In the upcoming sections, we eliminate much of the variability by looking at car insurance cost from the perspective of the vehicle model.
Cheapest cars to insure in Jersey City, NJ
The four most affordable non-luxury two and four door cars to insure in Jersey City are the Toyota GR Corolla at $1,974 per year, Nissan Leaf at $1,988 per year, Honda Civic at $2,010 per year, and Nissan Sentra at $2,080 per year.
Not the cheapest cars to insure, but still affordable, are models like the Kia K5, Toyota Prius, Honda Accord, and Hyundai Ioniq 6, with average annual insurance rates of $2,200 per year or less.
Ranked in the lower half of the top 20, cars like the Volkswagen Arteon, Nissan Versa, Volkswagen Jetta, Mazda 3, and Toyota Crown cost between $2,200 and $2,346 per year for insurance in Jersey City.
Full-coverage auto insurance in this segment for the average driver starts at around $165 per month, depending on the company and where you live.
The lowest-cost compact car to insure in Jersey City is the Toyota GR Corolla at $1,974 per year. For midsize cars, the Hyundai Ioniq 6 has the cheapest rates at $2,088 per year. And for full-size non-luxury cars, the Chrysler 300 is the cheapest model to insure at $2,154 per year.
The next table ranks the twenty cars with the most affordable insurance in Jersey City, starting with the Toyota GR Corolla at $165 per month and ending with the Mazda 3 at $196 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,974 | $165 |
| Nissan Leaf | Compact | $1,988 | $166 |
| Honda Civic | Compact | $2,010 | $168 |
| Nissan Sentra | Compact | $2,080 | $173 |
| Subaru Impreza | Compact | $2,086 | $174 |
| Hyundai Ioniq 6 | Midsize | $2,088 | $174 |
| Toyota Prius | Compact | $2,122 | $177 |
| Kia K5 | Midsize | $2,186 | $182 |
| Honda Accord | Midsize | $2,194 | $183 |
| Chevrolet Malibu | Midsize | $2,200 | $183 |
| Toyota Corolla | Compact | $2,212 | $184 |
| Kia Forte | Compact | $2,216 | $185 |
| Volkswagen Arteon | Midsize | $2,232 | $186 |
| Nissan Versa | Compact | $2,236 | $186 |
| Subaru Legacy | Midsize | $2,240 | $187 |
| Mitsubishi Mirage G4 | Compact | $2,290 | $191 |
| Volkswagen Jetta | Compact | $2,296 | $191 |
| Hyundai Sonata | Midsize | $2,298 | $192 |
| Toyota Crown | Midsize | $2,298 | $192 |
| Mazda 3 | Compact | $2,346 | $196 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Jersey City, NJ Zip Codes. Updated February 23, 2024
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.
Don’t see insurance cost for your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Jersey City car insurance quotes from the best auto insurance companies in New Jersey.
Cheapest SUV insurance rates in Jersey City, NJ
In our comparison, the top five most budget-friendly SUVs to insure in Jersey City are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Insurance rates for these five SUVs range from $1,678 to $1,808 per year.
Also ranking in the top 10 are SUVs like the Buick Envision, Toyota Corolla Cross, Hyundai Venue, and Ford Bronco Sport, with average annual insurance rates of $1,860 per year or less.
Some additional 2024 models worth mentioning include the Volkswagen Tiguan, Buick Encore, Kia Niro, and Nissan Murano, which cost between $1,860 and $1,976 per year for full-coverage insurance.
Full-coverage insurance in Jersey City for this segment for a good driver starts at an average of $140 per month, depending on the company and where you live.
The next table ranks the twenty SUVs with the most affordable car insurance in Jersey City, starting with the Subaru Crosstrek at $1,678 per year ($140 per month) and ending with the Honda HR-V at $1,976 per year ($165 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,678 | $140 |
| Chevrolet Trailblazer | Compact | $1,706 | $142 |
| Kia Soul | Compact | $1,772 | $148 |
| Nissan Kicks | Compact | $1,786 | $149 |
| Honda Passport | Midsize | $1,808 | $151 |
| Buick Envision | Compact | $1,820 | $152 |
| Toyota Corolla Cross | Compact | $1,830 | $153 |
| Hyundai Venue | Compact | $1,842 | $154 |
| Mazda CX-5 | Compact | $1,852 | $154 |
| Ford Bronco Sport | Compact | $1,860 | $155 |
| Volkswagen Tiguan | Compact | $1,880 | $157 |
| Nissan Murano | Midsize | $1,906 | $159 |
| Buick Encore | Compact | $1,928 | $161 |
| Subaru Outback | Midsize | $1,934 | $161 |
| Honda CR-V | Compact | $1,936 | $161 |
| Buick Envista | Midsize | $1,938 | $162 |
| Volkswagen Taos | Compact | $1,944 | $162 |
| Kia Niro | Compact | $1,946 | $162 |
| Subaru Ascent | Midsize | $1,974 | $165 |
| Honda HR-V | Compact | $1,976 | $165 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Jersey City, NJ Zip Codes. Updated February 22, 2024
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Is your SUV missing from the table above? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Jersey City car insurance quotes from top companies in New Jersey.
Cheapest pickup trucks to insure in Jersey City
The five cheapest pickup trucks to insure in Jersey City are the Chevrolet Colorado, Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. Average insurance rates for for these five models range from $1,942 to $2,200 per year.
Some other pickups that have cheaper rates are the Toyota Tacoma, Honda Ridgeline, GMC Sierra 2500 HD, and Hyundai Santa Cruz, with average insurance cost of $2,334 per year or less.
As a cost per month, car insurance rates on this segment in Jersey City starts at around $162 per month, depending on your location. The next table ranks the pickups with the lowest-cost average auto insurance rates in Jersey City, starting with the Chevrolet Colorado at $1,942 per year and ending with the Ram Truck at $2,626 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,942 | $162 |
| Nissan Titan | Full-size | $2,120 | $177 |
| Nissan Frontier | Midsize | $2,148 | $179 |
| Ford Ranger | Midsize | $2,168 | $181 |
| Ford Maverick | Midsize | $2,200 | $183 |
| Honda Ridgeline | Midsize | $2,250 | $188 |
| Hyundai Santa Cruz | Midsize | $2,290 | $191 |
| Toyota Tacoma | Midsize | $2,298 | $192 |
| GMC Sierra 2500 HD | Heavy Duty | $2,308 | $192 |
| GMC Canyon | Midsize | $2,334 | $195 |
| Jeep Gladiator | Midsize | $2,390 | $199 |
| GMC Sierra 3500 | Heavy Duty | $2,402 | $200 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,426 | $202 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,490 | $208 |
| GMC Sierra | Full-size | $2,506 | $209 |
| Nissan Titan XD | Heavy Duty | $2,508 | $209 |
| Chevrolet Silverado | Full-size | $2,510 | $209 |
| Ford F150 | Full-size | $2,540 | $212 |
| GMC Hummer EV Pickup | Full-size | $2,604 | $217 |
| Ram Truck | Full-size | $2,626 | $219 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Jersey City, NJ Zip Codes. Updated February 23, 2024
See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.
Looking for insurance rates for a different truck? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in New Jersey.
Cheapest luxury cars to insure in Jersey City
For 2024 models, the five lowest-cost luxury cars to insure in Jersey City are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Insurance rates for these models range from $2,018 to $2,348 per year.
Rounding out the top 10 are luxury cars like the Mercedes-Benz AMG CLA35, Genesis G70, Lexus RC 300, and Cadillac CT4, with average rates of $2,386 per year or less.
Some additional 2024 luxury models that make the list include the Jaguar XF, BMW 228i, BMW 230i, Lexus IS 350, and Audi S3, which cost between $2,386 and $2,544 per year for full-coverage insurance.
Full-coverage car insurance in this segment for the average driver starts at around $168 per month, depending on where you live and the company you use.
The table below ranks the cars with the most affordable auto insurance rates in Jersey City, starting with the Acura Integra at $2,018 per year ($168 per month) and ending with the Audi S3 at $2,544 per year ($212 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,018 | $168 |
| BMW 330i | Compact | $2,312 | $193 |
| Mercedes-Benz CLA250 | Midsize | $2,336 | $195 |
| Lexus IS 300 | Midsize | $2,340 | $195 |
| Acura TLX | Compact | $2,348 | $196 |
| Lexus ES 350 | Midsize | $2,370 | $198 |
| Cadillac CT4 | Compact | $2,372 | $198 |
| Genesis G70 | Compact | $2,376 | $198 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,380 | $198 |
| Lexus RC 300 | Midsize | $2,386 | $199 |
| Lexus IS 350 | Compact | $2,388 | $199 |
| Jaguar XF | Midsize | $2,402 | $200 |
| Cadillac CT5 | Midsize | $2,446 | $204 |
| Lexus ES 250 | Midsize | $2,454 | $205 |
| Lexus RC 350 | Compact | $2,462 | $205 |
| BMW 330e | Compact | $2,464 | $205 |
| BMW 228i | Compact | $2,468 | $206 |
| BMW 230i | Compact | $2,488 | $207 |
| Lexus ES 300h | Midsize | $2,492 | $208 |
| Audi S3 | Compact | $2,544 | $212 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Jersey City, NJ Zip Codes. Updated February 23, 2024
See our guide for luxury car insurance to compare rates for all makes and models.
Don’t see rates for your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in New Jersey.
Cheapest luxury SUVs to insure in Jersey City
The #1 ranking in Jersey City for the most affordable average insurance rates in the luxury SUV segment is the Acura RDX, at an average of $1,898 per year. Second place is the Lexus NX 250 costing $2,010 per year, and third place goes to the Cadillac XT4, at an average of $2,048 per year.
Other models that have affordable average insurance rates are the Lexus NX 350h, Lexus NX 450h, Lincoln Corsair, and Mercedes-Benz GLB 250, with average rates of $2,190 per year or less.
Ranked in the lower half of the top 20, SUVs like the Land Rover Evoque, Mercedes-Benz AMG GLB35, Cadillac XT6, Mercedes-Benz GLA35 AMG, Mercedes-Benz GLA250, and Lexus NX 350 cost between $2,190 and $2,276 per year for auto insurance.
From a cost per month standpoint, auto insurance in Jersey City on this segment for a good driver will start around $158 per month, depending on the company and where you live.
When vehicle size is factored in, the lowest-cost compact luxury SUV to insure in Jersey City is the Acura RDX at $1,898 per year, or $158 per month. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,122 per year, or $177 per month. And for full-size luxury models, the Infiniti QX80 has the most affordable rates at $2,544 per year, or $212 per month.
The comparison table below ranks the twenty luxury SUVs with the most affordable auto insurance rates in Jersey City.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,898 | $158 |
| Lexus NX 250 | Compact | $2,010 | $168 |
| Cadillac XT4 | Compact | $2,048 | $171 |
| Jaguar E-Pace | Midsize | $2,122 | $177 |
| Cadillac XT5 | Midsize | $2,140 | $178 |
| Lexus NX 350h | Compact | $2,142 | $179 |
| Lincoln Corsair | Compact | $2,168 | $181 |
| Mercedes-Benz GLB 250 | Compact | $2,172 | $181 |
| Lexus UX 250h | Compact | $2,176 | $181 |
| Lexus NX 450h | Compact | $2,190 | $183 |
| Infiniti QX50 | Midsize | $2,206 | $184 |
| Mercedes-Benz GLA250 | Compact | $2,208 | $184 |
| Mercedes-Benz GLA35 AMG | Compact | $2,220 | $185 |
| Cadillac XT6 | Midsize | $2,222 | $185 |
| Infiniti QX60 | Midsize | $2,234 | $186 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,236 | $186 |
| Land Rover Evoque | Compact | $2,266 | $189 |
| Acura MDX | Midsize | $2,270 | $189 |
| Lexus RX 350 | Midsize | $2,272 | $189 |
| Lexus NX 350 | Compact | $2,276 | $190 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Jersey City, NJ Zip Codes. Updated February 22, 2024
For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.
Don’t see your luxury SUV in the table above? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in New Jersey.
Cheapest sports cars to insure in Jersey City, NJ
The top three sports cars with the most affordable car insurance in Jersey City are the Mazda MX-5 Miata at $2,100 per year, the Toyota GR86 at $2,392 per year, and the Ford Mustang at $2,492 per year.
Some other sports cars that have cheaper rates include the Toyota GR Supra, BMW M2, Subaru BRZ, and Nissan Z, with average cost of $2,714 per year or less.
Auto insurance rates in Jersey City for this segment can cost as low as $175 per month, depending on your location.
The table below ranks the sports cars with the lowest-cost insurance in Jersey City, starting with the Mazda MX-5 Miata at $2,100 per year ($175 per month) and ending with the Porsche Taycan at $3,842 per year ($320 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,100 | $175 |
| Toyota GR86 | Sports Car | $2,392 | $199 |
| Ford Mustang | Sports Car | $2,492 | $208 |
| BMW Z4 | Sports Car | $2,506 | $209 |
| Subaru WRX | Sports Car | $2,542 | $212 |
| Toyota GR Supra | Sports Car | $2,550 | $213 |
| BMW M2 | Sports Car | $2,624 | $219 |
| Nissan Z | Sports Car | $2,628 | $219 |
| Lexus RC F | Sports Car | $2,684 | $224 |
| Subaru BRZ | Sports Car | $2,714 | $226 |
| BMW M3 | Sports Car | $2,866 | $239 |
| Porsche 718 | Sports Car | $2,922 | $244 |
| Chevrolet Camaro | Sports Car | $2,950 | $246 |
| Chevrolet Corvette | Sports Car | $3,144 | $262 |
| Porsche 911 | Sports Car | $3,252 | $271 |
| BMW M4 | Sports Car | $3,386 | $282 |
| Lexus LC 500 | Sports Car | $3,406 | $284 |
| Jaguar F-Type | Sports Car | $3,582 | $299 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,756 | $313 |
| Porsche Taycan | Sports Car | $3,842 | $320 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Jersey City, NJ Zip Codes. Updated February 22, 2024
Don’t see your sports car? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Jersey City.
Tips for cheaper Jersey City auto insurance rates
Smart drivers in Jersey City are often looking to save money on car insurance, so run through the tips in the list below and maybe you can save a few bucks when buying auto insurance.
- Pay small claims out-of-pocket. Most insurance companies reduce rates a little for not having any claims. Auto insurance is intended to be used for large financial hits, not nickel-and-dime type claims.
- Cautious drivers pay less for Jersey City car insurance. Too many at-fault accidents will increase rates, as much as $3,240 per year for a 20-year-old driver and as much as $942 per year for a 40-year-old driver. So be safe and save.
- Lower policy cost by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
- Avoid traffic tickets to pay less. In order to get the cheapest car insurance in Jersey City, it pays to be a safe driver. As a matter of fact, just a couple speeding tickets have the potential to increase insurance cost as much as $604 per year. Major misdemeanors like failing to stop at the scene of an accident could raise rates by an additional $2,106 or more.
- You don’t have to stick with the same company. Taking a couple of minutes every year or so to get some free car insurance quotes can save more money than you might think. Companies change rates often and you are not locked into any one company.
- Policy discounts equal cheaper car insurance rates. Savings may be available if the insured drivers belong to certain professional organizations, are senior citizens, insure multiple vehicles on the same policy, drive low annual mileage, or many other discounts which could save the average Jersey City driver as much as $382 per year on the cost of car insurance