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Cheap Car Insurance in Jersey City, New Jersey

Want to know more about Jersey City and how to acquire cheap car insurance? While located right on the Hudson River and sometimes called New York City's “Sixth Borough” because of its proximity, Jersey City is home to an estimated 264,000. It is the second largest city in New Jersey and the seat of Hudson County, with direct rapid transit access to Manhattan.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Jersey City. Get your free auto insurance quote today!

Driving Conditions in Jersey City

More than 46 percent of commuters in Jersey City use public transit, and more than 40 percent don't own an automobile, according to a study by the University of Michigan Transportation Research Institute. Still, traffic is congested. According to the U.S. Census Bureau's 2014 American Community Survey, the Newark-Jersey City metro has an average commute time of 31.1 minutes. The average commute time for the 50 largest U.S. Metros is 27.2 minutes, according to the survey. To access real-time traffic cameras and information, visit

Unique Laws in Jersey City

Don't expect to be able to pump your own gas anywhere in New Jersey; it is illegal to do so without a permit. A “gas expert” will need to fuel your car for you. Fuzzy dice, large air fresheners or anything blocking the driver’s view hanging from the rear view mirror can draw a fine in New Jersey, according to

Jersey City Crime Statistics

The New York-Newark-Jersey City metro area had a total of 22,391 vehicle thefts in 2015, or a rate of 111 incidents per 100,000 people, according to the National Insurance Crime Bureau. This compares well to the 2015 national average of 220.2 per 100,000 people.

Jersey City Safety Requirements

Drivers and all passengers must wear seat belts, according to the State of New Jersey Motor Vehicle Commission. Children up to age 8 who weigh up to 80 pounds must ride in an approved safety or booster seat in the rear seat.

Jersey City Impaired Driving Laws

New Jersey drivers with a blood alcohol concentration of .08 percent or higher are charged with DUI. Charges are enhanced when the BAC is .10 or greater. First offenders face a $250 to $400 fine, up to 30 days in jail and installation of interlock devices and community service.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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