For Uber vehicles, one of the more important considerations that determine car insurance rates is where you keep your car in Jersey City. Cities with larger populations or higher claim trends tend to pay more, whereas more rural areas benefit from having to pay less for coverage.
The table below sorts the most expensive places in New Jersey for Uber drivers to buy car insurance in. Jersey City is ranked at #8 with a yearly cost of $2,345 on average, which is about $195 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Newark | $2,598 |
| 2 | East Orange | $2,571 |
| 3 | West New York | $2,531 |
| 4 | Paterson | $2,448 |
| 5 | Union City | $2,426 |
| 6 | Elizabeth | $2,374 |
| 7 | Kearny | $2,358 |
| 8 | Jersey City | $2,345 |
| 9 | Passaic | $2,325 |
| 10 | Hoboken | $2,283 |
| 11 | Clifton | $2,276 |
| 12 | Bayonne | $2,251 |
| 13 | Fort Lee | $2,144 |
| 14 | Perth Amboy | $2,144 |
| 15 | Camden | $2,133 |
| 16 | Linden | $2,121 |
| 17 | Atlantic City | $2,024 |
| 18 | Plainfield | $1,976 |
| 19 | Trenton | $1,974 |
| 20 | Hackensack | $1,921 |
| Compare Rates Now Go | ||
Prices are approximated as the specific area where the vehicle is garaged can change coverage prices substantially.
Deciphering which insurers offer the best insurance rates for Uber drivers involves a bit more work in order to find the most economical policy. Every insurance provider has their own process to set policy rates, so let’s examine the most affordable insurance companies in Jersey City, NJ.
We do need to point out that Jersey City insurance rates are based on many factors that may substantially change the cost of having a policy. Getting older, getting married, or getting a ticket for careless driving may cause policy rate changes resulting in some rates now being cheaper than competitors.
Best Insurance Companies for Your Uber Vehicle
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | 21st Century | $1,078 |
| 2 | Travelers | $1,145 |
| 3 | New Jersey Manufacturers | $1,297 |
| 4 | Penn National | $1,338 |
| 5 | Palisades | $1,341 |
| 6 | California Casualty | $1,437 |
| 7 | The Hartford | $1,476 |
| 8 | Allstate | $1,523 |
| 9 | USAA | $1,600 |
| 10 | Mercury | $1,651 |
| 11 | Esurance | $1,856 |
| 12 | Amica | $1,887 |
| 13 | Progressive | $1,919 |
| 14 | MetLife | $1,991 |
| 15 | GEICO | $2,174 |
| 16 | State Farm | $2,226 |
| 17 | Encompass | $2,397 |
| 18 | Liberty Mutual | $2,920 |
| 19 | Hanover | $3,987 |
| Compare Rates Now Go | ||
21st Century may have some of the cheapest car insurance rates in Jersey City at around $1,078 a year. This is $774 less than the average policy premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades also qualify as some of the most economical Jersey City, NJ car insurance companies.
As shown in the rates above, if you are insured with Penn National and switched to 21st Century, you might see a yearly price reduction of around $260. Customers with Palisades may save as much as $263 a year, and California Casualty customers might reduce rates by $359 a year.
If you would like to find cheaper car insurance rates, click here to get quotes or visit any of the low-priced companies below.
Understand that those policy rates are averaged for all insureds and vehicles and do not take into consideration a vehicle location for Uber drivers. So the company that is best for you may not even be in the top 19 companies shown above. That point stresses why you need to get quotes using your own specific driver information and vehicle.
Drive responsibly or pay higher rates
The best way to obtain affordable insurance rates in Jersey City for Uber vehicles is to drive safe and avoid at-fault accidents and violations. The information below demonstrates how speeding tickets and fender-benders can impact insurance premiums for different age groups. The data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of a car insurance policy in New Jersey per year with a clean driving record and no accidents is $1,708. Add in one speeding ticket and the average cost swells to $1,967, an increase of $259 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of insurance for Uber drivers goes up to an average of $2,682. That’s an increase of $974, or $81 per month, just for being a careless driver!
How to get discounts on Jersey City insurance
Insurance providers that offer coverage for Uber drivers may also provide premium discounts that can lower rates by as much as 25% or more if you can meet the requirements. A few of the larger companies and some of the premium reductions they offer are outlined below.
- Esurance may include discounts for renters, emergency road assistance, anti-lock brakes, DriveSense, and paid-in-full.
- The Hartford includes discounts for bundle, air bag, driver training, vehicle fuel type, anti-theft, good student, and defensive driver.
- AAA has discounts for pay-in-full, anti-theft, good student, multi-policy, education and occupation, and multi-car.
- GEICO may offer discounts for daytime running lights, driver training, anti-lock brakes, military active duty, good student, and defensive driver.
- State Farm offers discounts for defensive driving training, multiple autos, multiple policy, good driver, and anti-theft.
The illustration below illustrates the comparison of insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no violations or accidents, New Jersey state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, vehicle safety, defensive driving course, passive restraint, multiple vehicle, and safe-driver discounts applied. When discounts are applied, theaverage amount saved on insurance for Uber drivers is 28% or $597.
Best insurance in Jersey City
Choosing the highest-rated insurance provider is hard considering how many choices there are in Jersey City. The rank data in the next section can help you decide which coverage providers you want to consider when shopping insurance around for Uber drivers. The rankings below only include companies who write in the majority of U.S. states, so smaller companies will not be included in the list.
Top 10 Major Auto Insurance Companies in Jersey City Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- Progressive
- GEICO
- USAA
- State Farm
- Travelers
- Farmers Insurance
- Allstate