Low Cost · Jersey City
Cheap Insurance Agents in Jersey City, NJ — Best Prices
Compare insurance agents prices in Jersey City to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of July 2026, RatingsNearMe ranks 20 insurance agents in Jersey City, NJ by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Freeway Insurance with a 4.9-star rating from 461 Google reviews and an RNM Score of 98/100. Also in the top tier: Kacey Padlo - State Farm Insurance Agent and SageSure. The average rating across all listed insurance agents in Jersey City is 4.6 stars from 160 reviews per business on average.
Insurance in Jersey City: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Coe Insurance Agency
Coe Insurance Agency is top-ranked for its long-standing reputation and comprehensive insurance offerings in Jersey City.
Most Reviewed
Kacey Padlo - State Farm Insurance Agent
A high review count indicates broad customer experience and trust, helping you gauge service reliability.
When choosing an insurance agent in Jersey City, compare quotes from multiple agencies and consider their specialization, such as flood or commercial insurance, to ensure coverage fits your needs.
Local Market Snapshot
20
Businesses listed
4.6★
Avg rating
160
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Top-rated insurance agent in Jersey City with a 4.9-star average from 461 reviews.
2184 John F. Kennedy Blvd, Jersey City, NJ 07305, USATrusted by hundreds of Jersey City locals with a perfect 5.0-star rating.
419 Monmouth St, Jersey City, NJ 07302, USAConsistently rated 4.1 stars across over 1,800 verified Google reviews.
101 Hudson St #2700, Jersey City, NJ 07302, USAInsurance Agents Rankings in Jersey City, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Freeway Insurance2184 John F. Kennedy Blvd, Jersey City, NJ 07305, USA | 4.9★ | 461 |
| #2 | Kacey Padlo - State Farm Insurance Agent419 Monmouth St, Jersey City, NJ 07302, USA | 5.0★ | 432 |
| #3 | SageSure101 Hudson St #2700, Jersey City, NJ 07302, USA | 4.1★ | 1,837 |
| #4 | JC Insurance Agency2184 John F. Kennedy Blvd, Jersey City, NJ 07305, USA | 4.0★ | 29 |
| #5 | Insurance Agency Jersey City236 Neptune Ave, Jersey City, NJ 07305, USA | 5.0★ | 8 |
| #6 | Tyche Insurance Agency, LLC: HOA Flood and Commercial Insurance613 Washington Blvd #1384, Jersey City, NJ 07310, USA | 5.0★ | 4 |
| #7 | Coe Insurance Agency2330 John F. Kennedy Blvd, Jersey City, NJ 07304, USA | 4.3★ | 6 |
| #8 | Goosehead Insurance - Paula Keung101 Hudson St Suite 2122, Jersey City, NJ 07302, USA | 5.0★ | 52 |
| #9 | Men Ins Agency263 Central Ave, Jersey City, NJ 07307, USA | 4.1★ | 29 |
| #10 | J&J Assurance Group550 West Side Ave, Jersey City, NJ 07304, USA | 5.0★ | 24 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Jersey City
A reliable local agent with a solid 4.0-star rating from nearly 30 reviews.
2184 John F. Kennedy Blvd, Jersey City, NJ 07305, USA
5.0-star rating from 8 Google reviews for an insurance agent in Jersey City.
236 Neptune Ave, Jersey City, NJ 07305, USA
Rated 5.0 stars from 4 Google reviews, this local agent is highly regarded.
613 Washington Blvd #1384, Jersey City, NJ 07310, USA
4.3 stars from 6 Google reviews, reflecting solid local customer satisfaction.
2330 John F. Kennedy Blvd, Jersey City, NJ 07304, USA
5.0-star rating from 52 reviews makes this Jersey City insurance agent highly trusted.
101 Hudson St Suite 2122, Jersey City, NJ 07302, USA
Trusted Jersey City insurance agent with a solid 4.1-star rating from 29 reviews.
263 Central Ave, Jersey City, NJ 07307, USA
Praised for exceptional 5.0-star service across two dozen reviews in Jersey City.
550 West Side Ave, Jersey City, NJ 07304, USA
4.4 stars from 14 reviews, indicating solid local customer satisfaction.
52 Atlantic St, Jersey City, NJ 07304, USA
Trusted by customers with a strong 4.6-star rating from 10 reviews.
1674 John F. Kennedy Blvd # A, Jersey City, NJ 07305, USA
Trusted Jersey City insurance agent with a solid 4.4★ rating from 10 reviews.
663 Newark Ave, Jersey City, NJ 07306, USA
A trusted Jersey City insurance agent with a stellar 4.8★ rating from nearly 200 reviews.
422 West Side Ave, Jersey City, NJ 07305, USA
5.0 stars from 10 Google reviews for this Jersey City insurance agent.
958 Summit Ave, Jersey City, NJ 07307, USA
Trusted Jersey City insurance agent with a solid 4.1-star rating from 61 reviews.
844 Bergen Ave, Jersey City, NJ 07306, USA
Trusted Jersey City insurance agent with a 4.9-star rating from 8 reviews.
109 Cottage St, Jersey City, NJ 07306, USA
5.0 stars from 7 reviews, indicating exceptional customer satisfaction.
114 Liberty View Dr., Jersey City, NJ 07302, USA
Consistently rated 5.0 stars across 5 Google reviews.
575 Manila Ave, Jersey City, NJ 07310, USA
A Jersey City insurance agent with a 3.5-star rating based on 2 reviews.
200 Hudson St #800, Jersey City, NJ 07311, USA
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Insurance Agents in Jersey City, NJ — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Freeway Insurance | 98/100 | 4.9 ★ | 461 |
| 2 | Kacey Padlo - State Farm Insurance Agent | 92/100 | 5.0 ★ | 432 |
| 3 | SageSure | 76/100 | 4.1 ★ | 1,837 |
| 4 | JC Insurance Agency | 60/100 | 4.0 ★ | 29 |
| 5 | Insurance Agency Jersey City | 70/100 | 5.0 ★ | 8 |
| 6 | Tyche Insurance Agency, LLC: HOA Flood and Commercial Insurance | 79/100 | 5.0 ★ | 4 |
| 7 | Coe Insurance Agency | 69/100 | 4.3 ★ | 6 |
| 8 | Goosehead Insurance - Paula Keung | 92/100 | 5.0 ★ | 52 |
| 9 | Men Ins Agency | 61/100 | 4.1 ★ | 29 |
| 10 | J&J Assurance Group | 76/100 | 5.0 ★ | 24 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Insurance Agents in Jersey City
What is the difference between a captive and independent insurance agent in Jersey City?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in NJ?
Search the NJ Department of Insurance's online license lookup — Google "NJ Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in NJ must be licensed with the state.
How much does working with a local insurance agent in Jersey City cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Jersey City?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Jersey City adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
Insurance Agents in Nearby Cities
Compare top-rated insurance agents in cities near you.
How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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