Jersey City Car Insurance – 2022 Rates + Cheapest to Insure

How much does Jersey City auto insurance cost? We compare insurance rates by segment to find the models with the cheapest car insurance quotes.

Start QuoteCompare Jersey City car insurance rates and save on your next policy.

How much does Jersey City car insurance cost?

The average car insurance expense in Jersey City is $1,934 per year, which is approximately $161 per month. Jersey City car insurance costs 23.4% more than the U.S. overall average rate of $1,567.

Average auto insurance cost in New Jersey is $1,438 per year, so Jersey City, NJ, drivers pay an average of $496 more 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 $262 per year cheaper than in Elizabeth, $152 per year more expensive than in Trenton, and $382 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 – $6,928 per year or $577 per month
  • 17-year-old rated driver – $6,470 per year or $539 per month
  • 18-year-old rated driver – $6,044 per year or $504 per month
  • 19-year-old rated driver – $5,462 per year or $455 per month
  • 20-year-old rated driver – $3,838 per year or $320 per month
  • 30-year-old rated driver – $2,036 per year or $170 per month
  • 40-year-old rated driver – $1,934 per year or $161 per month
  • 50-year-old rated driver – $1,760 per year or $147 per month
  • 60-year-old rated driver – $1,730 per year or $144 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 2022 model year vehicles including luxury vehicles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Jersey City includes all Zip Codes and vehicle trim levels.Data last updated on June 24, 2022
Jersey City, NJ Car Insurance Cost Summary
Average Car Insurance Cost in Jersey City, NJ
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,382$365
Safe Driver Age 20$3,838$320
At-fault Accidents Age 40$2,726$227
Low Deductibles Age 40$2,514$210
Safe Driver Age 30$2,036$170
Safe Driver Age 40$1,934$161
Safe Driver Age 50$1,760$147
Safe Driver Age 60$1,730$144
High Deductibles Age 40$1,636$136
Discount Rate Age 40$1,606$134

Average rates in the chart above range from $1,606 per year for a 40-year-old driver who qualifies for a cheap discount rate to $4,382 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 $1,934 per year in Jersey City.

As a monthly rate, car insurance cost in Jersey City ranges from $134 to $365 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.

The car insurance costs referenced previously consist of an average based on every 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Jersey City car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Jersey City Zip Codes.Data last updated on June 24, 2022
Jersey City Car Insurance Rates for Popular Vehicles
Jersey City Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,554$130
Honda CR-V$1,694$141
Honda HR-V$1,736$145
Toyota RAV4$1,828$152
Ford F150$1,872$156
Nissan Sentra$1,884$157
Toyota 4Runner$1,886$157
Nissan Rogue$1,894$158
Toyota Camry$1,904$159
Kia Forte$1,976$165
Hyundai Santa Fe$2,016$168
Chevrolet Silverado$2,082$174
Hyundai Elantra$2,182$182
Ram Truck$2,210$184

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 $4,858 to $6,928 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 $1,870 per year cheaper than for a 20-year-old driver.
  • Teen females pay cheaper rates than teenage males – Teenage females pay $604 to $828 less each year than their male counterparts.
  • Jersey City, New Jersey, car insurance cost is more than the U.S. average – $1,934 (Jersey City average) compared to $1,567 (U.S. average)
  • Jersey City car insurance prices are more expensive than the New Jersey state average – $1,934 (Jersey City average) versus $1,438 (New Jersey average)
  • Average car insurance cost per month ranges from $128 to $512 – 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 Mazda CX-5, Chevrolet Trailblazer, and Toyota C-HR. Average car insurance prices for those small SUVs cost $1,612 or less per year, or $134 per month, for a policy with full coverage.

Some other models that rank very well in our car insurance price comparison are the Subaru Forester, Ford Maverick, Hyundai Kona, and Buick Envision.

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 $1,678 or less per year, or $140 per month in Jersey City.

The following table ranks the cheapest vehicles to insure in Jersey City, sorted by average cost.

Top 50 Cheapest Vehicles to Insure in Jersey City
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,474$123
2Nissan Kicks$1,508$126
3Chevrolet Trailblazer$1,518$127
4Subaru Crosstrek$1,554$130
5Honda Passport$1,556$130
6Toyota C-HR$1,592$133
7Chevrolet Colorado$1,594$133
8Buick Encore$1,600$133
9Nissan Rogue Sport$1,612$134
10Hyundai Venue$1,642$137
11Buick Envision$1,646$137
12Kia Seltos$1,648$137
13Ford Maverick$1,654$138
14Acura RDX$1,658$138
15Toyota Corolla Cross$1,658$138
16Subaru Ascent$1,664$139
17Hyundai Kona$1,670$139
18Subaru Forester$1,676$140
19Mazda MX-5 Miata$1,678$140
20Subaru Impreza$1,678$140
21Volkswagen Tiguan$1,678$140
22Chevrolet Spark$1,684$140
23Honda CR-V$1,694$141
24Cadillac XT4$1,700$142
25Mazda CX-30$1,710$143
26Ford Ranger$1,718$143
27Honda HR-V$1,736$145
28Ford Edge$1,744$145
29Ford Ecosport$1,752$146
30Chevrolet Trax$1,772$148
31Subaru Outback$1,774$148
32Acura ILX$1,780$148
33GMC Terrain$1,782$149
34Mitsubishi Eclipse Cross$1,786$149
35Hyundai Tucson$1,796$150
36Nissan Murano$1,796$150
37Toyota Tacoma$1,798$150
38Chevrolet Bolt$1,802$150
39Honda Odyssey$1,804$150
40Chevrolet Equinox$1,808$151
41Toyota Venza$1,808$151
42Volkswagen Taos$1,812$151
43Ford Explorer$1,818$152
44Fiat 500X$1,820$152
45Kia Soul$1,828$152
46Toyota RAV4$1,828$152
47Kia Sorento$1,830$153
48Nissan Frontier$1,842$154
49Hyundai Palisade$1,856$155
50Hyundai Santa Cruz$1,858$155

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jersey City, NJ.Data last updated on June 24, 2022
    Top 50 Cheapest Vehicles to Insure in Jersey City

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Jersey City car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Jersey City Zip Codes.Data last updated on June 24, 2022
    Average Jersey City, NJ, Auto Insurance Rates by Automotive Segment
    Jersey City Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,806$151
    Midsize Pickup$1,856$155
    Minivan$1,950$163
    Midsize SUV$1,958$163
    Compact Car$1,990$166
    Midsize Car$2,016$168
    Half-ton Pickup$2,102$175
    Compact Luxury SUV$2,174$181
    Large SUV$2,182$182
    Compact Luxury Car$2,194$183
    Large Car$2,236$186
    Heavy Duty Pickup$2,306$192
    Midsize Luxury SUV$2,336$195
    Midsize Luxury Car$2,560$213
    Sports Car$2,726$227
    Large Luxury SUV$2,924$244
    Large Luxury Car$3,058$255

    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 Mercedes-Benz A220 costing $1,902 per year to the BMW M340i at $2,414 per year, a difference of $512 within that segment. For another example, in the large truck segment, the average insurance cost ranges from the Ford F150 costing $1,872 per year up to the GMC Hummer EV Pickup costing $2,460 per year, a difference of $588 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 Subaru Impreza at $1,678 per year, Chevrolet Spark at $1,684 per year, Volkswagen Golf at $1,862 per year, and Subaru Legacy at $1,876 per year.

    Not the cheapest cars to insure, but still affordable, are models like the Kia K5, Nissan Sentra, Toyota Corolla, and Honda Insight, with average annual insurance rates of $1,904 per year or less.

    Ranked in the lower half of the top 20, cars like the Honda Civic, Mazda 3, Hyundai Veloster, Chevrolet Malibu, and Hyundai Accent cost between $1,904 and $2,008 per year for insurance in Jersey City.

    Full-coverage auto insurance in this segment for the average driver starts at around $140 per month, depending on the company and where you live.

    The lowest-cost compact car to insure in Jersey City is the Subaru Impreza at $1,678 per year. For midsize cars, the Subaru Legacy has the cheapest rates at $1,876 per year. And for full-size non-luxury cars, the Toyota Avalon is the cheapest model to insure at $2,030 per year.

    The next table ranks the twenty cars with the most affordable insurance in Jersey City, starting with the Subaru Impreza at $140 per month and ending with the Chevrolet Malibu at $167 per month.

    Cheapest Car Insurance in Jersey City, NJ
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,678$140
    Chevrolet SparkCompact$1,684$140
    Volkswagen GolfCompact$1,862$155
    Subaru LegacyMidsize$1,876$156
    Honda InsightMidsize$1,880$157
    Volkswagen JettaCompact$1,880$157
    Nissan SentraCompact$1,884$157
    Kia K5Midsize$1,900$158
    Toyota CorollaCompact$1,902$159
    Toyota CamryMidsize$1,904$159
    Kia RioCompact$1,908$159
    Volkswagen PassatMidsize$1,912$159
    Honda CivicCompact$1,918$160
    Mazda 3Compact$1,922$160
    Mazda 6Midsize$1,926$161
    Toyota PriusCompact$1,934$161
    Hyundai AccentCompact$1,960$163
    Hyundai VelosterCompact$1,976$165
    Kia ForteCompact$1,976$165
    Chevrolet MalibuMidsize$2,008$167

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jersey City, NJ.Data last updated on June 24, 2022
      Cheapest Car Insurance in Jersey City, NJ

      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 Mazda CX-5, Nissan Kicks, Chevrolet Trailblazer, Honda Passport, and Subaru Crosstrek. Insurance rates for these five SUVs range from $1,474 to $1,554 per year.

      Also ranking in the top 10 are SUVs like the Toyota C-HR, Buick Encore, Nissan Rogue Sport, and Buick Envision, with average annual insurance rates of $1,646 per year or less.

      Some additional 2022 models worth mentioning include the Kia Seltos, Toyota Corolla Cross, Mazda CX-30, and Subaru Ascent, which cost between $1,646 and $1,744 per year for full-coverage insurance.

      Full-coverage insurance in Jersey City for this segment for a good driver starts at an average of $123 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 Mazda CX-5 at $1,474 per year ($123 per month) and ending with the Ford Edge at $1,744 per year ($145 per month).

      Cheapest SUV Insurance in Jersey City, NJ
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,474$123
      Nissan KicksCompact$1,508$126
      Chevrolet TrailblazerCompact$1,518$127
      Subaru CrosstrekCompact$1,554$130
      Honda PassportMidsize$1,556$130
      Toyota C-HRCompact$1,592$133
      Buick EncoreCompact$1,600$133
      Nissan Rogue SportCompact$1,612$134
      Hyundai VenueCompact$1,642$137
      Buick EnvisionCompact$1,646$137
      Kia SeltosCompact$1,648$137
      Toyota Corolla CrossCompact$1,658$138
      Subaru AscentMidsize$1,664$139
      Hyundai KonaCompact$1,670$139
      Subaru ForesterCompact$1,676$140
      Volkswagen TiguanCompact$1,678$140
      Honda CR-VCompact$1,694$141
      Mazda CX-30Compact$1,710$143
      Honda HR-VCompact$1,736$145
      Ford EdgeMidsize$1,744$145

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jersey City, NJ.Data last updated on June 24, 2022
        Cheapest SUV Insurance in Jersey City, NJ

        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, Ford Maverick, Ford Ranger, Toyota Tacoma, and Nissan Frontier. Average insurance rates for for these five models range from $1,594 to $1,842 per year.

        Some other pickups that have cheaper rates are the Ford F150, Hyundai Santa Cruz, Honda Ridgeline, and GMC Canyon, with average insurance cost of $1,902 per year or less.

        As a cost per month, car insurance rates on this segment in Jersey City starts at around $133 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 $1,594 per year and ending with the GMC Sierra 3500 at $2,278 per year.

        Cheapest Pickup Insurance in Jersey City, NJ
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,594$133
        Ford MaverickMidsize$1,654$138
        Ford RangerMidsize$1,718$143
        Toyota TacomaMidsize$1,798$150
        Nissan FrontierMidsize$1,842$154
        Hyundai Santa CruzMidsize$1,858$155
        GMC CanyonMidsize$1,862$155
        Ford F150Full-size$1,872$156
        Honda RidgelineMidsize$1,884$157
        Jeep GladiatorMidsize$1,902$159
        GMC SierraFull-size$1,970$164
        Nissan TitanFull-size$2,042$170
        Toyota TundraFull-size$2,080$173
        Chevrolet SilveradoFull-size$2,082$174
        Ford F350 Super DutyHeavy Duty$2,100$175
        Chevrolet Silverado HD 3500Heavy Duty$2,118$177
        Nissan Titan XDHeavy Duty$2,172$181
        Ram TruckFull-size$2,210$184
        GMC Sierra 2500 HDHeavy Duty$2,260$188
        GMC Sierra 3500Heavy Duty$2,278$190

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jersey City, NJ.Data last updated on June 24, 2022
          Cheapest Pickup Insurance in Jersey City, NJ

          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 2022 models, the five lowest-cost luxury cars to insure in Jersey City are the Acura ILX, Mercedes-Benz A220, BMW 330i, Acura TLX, and Volvo S60. Insurance rates for these models range from $1,780 to $2,076 per year.

          Rounding out the top 10 are luxury cars like the Lexus RC 300, BMW 230i, Alfa Romeo Giulia, and BMW 330e, with average rates of $2,146 per year or less.

          Some additional 2022 luxury models that make the list include the Lexus RC 350, Audi A3, Audi A4, Cadillac CT4, and Audi S3, which cost between $2,146 and $2,248 per year for full-coverage insurance.

          Full-coverage car insurance in this segment for the average driver starts at around $148 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 ILX at $1,780 per year ($148 per month) and ending with the Audi S3 at $2,248 per year ($187 per month).

          Cheapest Luxury Car Insurance in Jersey City, NJ
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura ILXMidsize$1,780$148
          Mercedes-Benz A220Compact$1,902$159
          BMW 330iCompact$2,044$170
          Acura TLXCompact$2,056$171
          Volvo S60Compact$2,076$173
          BMW 330eCompact$2,082$174
          BMW 228iCompact$2,096$175
          BMW 230iCompact$2,108$176
          Alfa Romeo GiuliaCompact$2,146$179
          Lexus RC 300Midsize$2,146$179
          Cadillac CT4Compact$2,150$179
          Lexus RC 350Compact$2,156$180
          Genesis G70Compact$2,184$182
          Mercedes-Benz AMG CLA35Midsize$2,194$183
          BMW i4Midsize$2,206$184
          Cadillac CT5Midsize$2,214$185
          Audi A3Midsize$2,236$186
          Audi A4Compact$2,240$187
          Mercedes-Benz AMG CLA45Midsize$2,246$187
          Audi S3Compact$2,248$187

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jersey City, NJ.Data last updated on June 24, 2022
            Cheapest Luxury Car Insurance in Jersey City, NJ

            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 $1,658 per year. Second place is the Cadillac XT4 costing $1,700 per year, and third place goes to the Volvo XC40, at an average of $1,862 per year.

            Other models that have affordable average insurance rates are the BMW X1, Lexus UX 200, Lexus NX 350h, and Lexus UX 250h, with average rates of $1,976 per year or less.

            Ranked in the lower half of the top 20, SUVs like the Land Rover Evoque, Mercedes-Benz GLB 250, Lincoln Nautilus, Acura MDX, Lexus RX 350, and Lincoln Corsair cost between $1,976 and $2,050 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 $138 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 $1,658 per year, or $138 per month. For midsize 2022 models, the Cadillac XT5 is cheapest to insure at $1,902 per year, or $159 per month. And for full-size luxury models, the Volvo XC90 has the most affordable rates at $2,096 per year, or $175 per month.

            The comparison table below ranks the twenty luxury SUVs with the most affordable auto insurance rates in Jersey City.

            Cheapest Luxury SUV Insurance in Jersey City, NJ
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura RDXCompact$1,658$138
            Cadillac XT4Compact$1,700$142
            Volvo XC40Compact$1,862$155
            Cadillac XT5Midsize$1,902$159
            Lexus NX 250Compact$1,924$160
            BMW X1Compact$1,928$161
            Lexus NX 350hCompact$1,938$162
            Lexus UX 250hCompact$1,940$162
            Lexus NX 350Compact$1,970$164
            Lexus UX 200Compact$1,976$165
            Jaguar E-PaceMidsize$1,984$165
            Lexus RX 350Midsize$1,992$166
            Acura MDXMidsize$2,002$167
            Lincoln NautilusMidsize$2,020$168
            Lexus NX 450hCompact$2,026$169
            Mercedes-Benz GLB 250Compact$2,034$170
            Lexus RX 450hMidsize$2,040$170
            Infiniti QX50Midsize$2,046$171
            Land Rover EvoqueCompact$2,046$171
            Lincoln CorsairCompact$2,050$171

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jersey City, NJ.Data last updated on June 24, 2022
              Cheapest Luxury SUV Insurance in Jersey City, NJ

              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 $1,678 per year, the Ford Mustang at $2,040 per year, and the BMW Z4 at $2,082 per year.

              Some other sports cars that have cheaper rates include the Toyota GR Supra, Audi TT, BMW M3, and Subaru BRZ, with average cost of $2,504 per year or less.

              Auto insurance rates in Jersey City for this segment can cost as low as $140 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 $1,678 per year ($140 per month) and ending with the Lexus LC 500 at $3,186 per year ($266 per month).

              Cheapest Sports Car Insurance in Jersey City, NJ
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,678$140
              Ford MustangSports Car$2,040$170
              BMW Z4Sports Car$2,082$174
              Subaru WRXSports Car$2,196$183
              Toyota GR86Sports Car$2,252$188
              Toyota GR SupraSports Car$2,304$192
              Audi TTSports Car$2,356$196
              Subaru BRZSports Car$2,430$203
              Chevrolet CorvetteSports Car$2,438$203
              BMW M3Sports Car$2,504$209
              Porsche 718Sports Car$2,616$218
              Chevrolet CamaroSports Car$2,680$223
              Lexus RC FSports Car$2,744$229
              Dodge ChallengerSports Car$2,754$230
              Mercedes-Benz AMG GT53Sports Car$2,794$233
              Jaguar F-TypeSports Car$2,924$244
              Porsche TaycanSports Car$3,002$250
              Porsche 911Sports Car$3,076$256
              BMW M4Sports Car$3,082$257
              Lexus LC 500Sports Car$3,186$266

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Jersey City, NJ.Data last updated on June 24, 2022
                Cheapest Sports Car Insurance in Jersey City, NJ

                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 $2,696 per year for a 20-year-old driver and as much as $792 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 $236 per year for a 40-year-old driver and $456 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 $506 per year. Major misdemeanors like failing to stop at the scene of an accident could raise rates by an additional $1,772 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 $328 per year on the cost of car insurance