🏠 Home insurance cost in Jersey City, NJ (2027)
Estimated average: $1,555 per year — -32% vs. the U.S. average of $2,300.
With about 291,657 residents, Jersey City is a large city and the #2 largest city in New Jersey. Home insurance rates here are estimated at $1,555 per year, above the New Jersey average of $1,495 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Jersey City with other New Jersey cities.
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Jersey City home insurance FAQ
How much is home insurance in Jersey City, NJ?
The estimated average is $1,555 per year — above the state average (+4% vs. the New Jersey average of $1,495, and -32% vs. the U.S. average).
Is home insurance more expensive in Jersey City than elsewhere in New Jersey?
Jersey City has about 291,657 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Jersey City?
Compare at least three quotes from insurers active in Jersey City, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.