Find Your Exact Auto Insurance Rate by ZIP Code
Hudson County ZIP Code Auto Insurance Rates | Interactive Rate Tool
Search all 40+ Hudson County ZIP codes to find your exact auto insurance rate. Compare rates from East Newark (07029) to Hoboken (07030) with our interactive tool and discover why your ZIP code affects your premium.
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Hudson County Auto Insurance Rate Ranges by Risk Level
Understanding how your ZIP code affects your insurance rate helps you make informed decisions
Low Risk
$175-180/month
Example ZIPs: 07002, 07029
Bayonne Hook, East Newark
Medium Risk
$180-189/month
Example ZIPs: 07032, 07047
Kearny, North Bergen, West Side JC
High Risk
$190-199/month
Example ZIPs: 07086, 07093
Weehawken, West New York, Secaucus
Very High Risk
$200-210/month
Example ZIPs: 07030, 07302
Hoboken, Jersey City Downtown
Find Your ZIP Code's Auto Insurance Rate
Search by ZIP code, city name, or area to see average rates and risk factors
Hudson County ZIP Code Rate Finder
County Average
$189/mo
Highest Rate
$210/mo
Hoboken (07030)
Lowest Rate
$175/mo
Bayonne Hook (07002)
07302
Very HighJersey City
Downtown/Waterfront
$205/month
07303
HighJersey City
Journal Square
$195/month
07304
HighJersey City
The Heights
$188/month
07305
HighJersey City
Greenville
$192/month
07306
HighJersey City
Bergen-Lafayette
$190/month
07307
MediumJersey City
West Side
$185/month
07310
Very HighJersey City
Newport
$202/month
07311
Very HighJersey City
Exchange Place
$208/month
07030
Very HighHoboken
All Hoboken
$210/month
07087
HighUnion City
All Union City
$188/month
07093
HighWest New York
All West New York
$185/month
07002
MediumBayonne
All Bayonne
$177/month
07047
MediumNorth Bergen
All North Bergen
$182/month
07032
MediumKearny
All Kearny
$180/month
07094
HighSecaucus
All Secaucus
$190/month
5 Most Expensive ZIP Codes
- 1$210/mo
07030 - Hoboken
All Hoboken
- 2$208/mo
07311 - Jersey City
Exchange Place
- 3$205/mo
07302 - Jersey City
Downtown/Waterfront
- 4$202/mo
07310 - Jersey City
Newport
- 5$198/mo
07086 - Weehawken
All Weehawken
5 Cheapest ZIP Codes
- 1$175/mo
07002 - Bayonne
Hook Area
- 2$177/mo
07002 - Bayonne
All Bayonne
- 3$178/mo
07029 - East Newark
All East Newark
- 4$180/mo
07032 - Kearny
All Kearny
- 5$180/mo
07022 - Fairview
All Fairview
What Affects Your ZIP Code's Insurance Rate?
Tunnel Traffic
Lincoln and Holland Tunnel proximity creates congestion and accident risks
Examples: Hoboken, Weehawken, Union City
Population Density
Hudson County has the highest density in NJ, increasing collision frequency
Examples: Guttenberg (#1 in US), Union City (#2)
Flood Zones
Waterfront areas and low-lying zones increase comprehensive claims
Examples: Hoboken, Jersey City waterfront, Bayonne
Street Parking
Limited parking leads to more street parking accidents and theft
Examples: All urban areas, especially Hoboken
Unique Hudson County Factors
Extreme Urban Density
Guttenberg and Union City are the #1 and #2 most densely populated cities in the entire United States, creating unique insurance challenges.
NYC Commuter Impact
Over 280,000 vehicles use the Lincoln and Holland Tunnels daily, affecting rates in nearby ZIP codes significantly.
ZIP Code Insurance Rate Questions
Why do Hudson County ZIP codes have such high insurance rates?
Hudson County has the highest population density in New Jersey, with cities like Guttenberg and Union City ranking as the most densely populated in the entire United States. This extreme density, combined with tunnel traffic to NYC, limited parking, and flood zones, creates a perfect storm of insurance risk factors.
Which Hudson County ZIP codes have the highest auto insurance rates?
The highest rates are in Hoboken (07030) at $210/month, followed by Jersey City's financial district ZIPs like 07311 (Exchange Place) at $208/month and 07302 (Downtown) at $205/month. These areas combine extreme density, flood risk, and heavy commuter traffic.
Can I get lower rates if I live in a high-risk Hudson County ZIP code?
Yes! Even in expensive ZIPs, you can reduce rates by: using public transit more (low-mileage discount), installing anti-theft devices, bundling with renters insurance, taking defensive driving courses, and maintaining a clean driving record. Some drivers save 20-30% with these strategies.
How much do flood zones affect auto insurance in Hudson County?
Flood zones can increase comprehensive coverage costs by 15-25%. Areas like Hoboken, Jersey City waterfront, and parts of Bayonne are particularly affected. While flood damage is covered under comprehensive coverage, insurers charge more in high-risk flood areas.
Why are Jersey City rates different across ZIP codes?
Jersey City's diverse neighborhoods have varying risk profiles. Downtown/waterfront areas (07302, 07311) have the highest rates due to density and flood risk. The Heights (07304) and West Side (07307) have lower rates due to more residential character and less tunnel traffic.
Do ZIP codes near PATH stations have higher rates?
Generally yes. ZIP codes with major PATH stations (like Journal Square, Newport, Exchange Place) tend to have 10-15% higher rates due to increased traffic, limited parking, and higher accident frequency near transit hubs.
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