Who Has Affordable Jersey City Auto Insurance Quotes for Immigrants?

The make and model of vehicle needing coverage is a large consideration when quoting the most affordable auto insurance for immigrants. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The next table outlines car insurance prices for a selection of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Jersey City, NJ
Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,380
Ford Escape XLT 4WD $1,410
Toyota Tacoma 2WD $1,601
Ford Edge Limited 2WD $1,609
Ford Explorer Eddie Bauer 4WD $1,663
Hyundai Elantra Blue 4-Dr Sedan $1,687
Honda CR-V EX 2WD $1,694
Dodge Grand Caravan CV $1,769
Ford F-150 Lariat King Ranch 4WD $1,780
Chevrolet Malibu Hybrid $1,868
Toyota RAV4 4WD $1,878
Chevrolet Silverado LS Regular Cab 2WD $1,871
Toyota Prius $1,873
Chevrolet Impala LTZ $1,967
Honda Odyssey Touring $2,001
Volkswagen Jetta LE 4-Dr Sedan $2,008
Toyota Corolla XRS $2,001
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle location which can change auto insurance rates greatly.

Based on these rates, we can infer that cars like the Honda Accord, Ford Escape, Toyota Tacoma, and Ford Edge should be the more affordable vehicles to insure for foreigners.

Finding out which companies quote the cheapest auto insurance rates for immigrants requires a bit more effort than just comparing a company or two. Every insurance provider has a proprietary formula to determine premium rates, so we will examine the auto insurance companies with the overall best prices in Jersey City.

We do need to point out that New Jersey auto insurance rates are impacted by many things which can significantly increase or decrease the cost of your policy. Getting older, moving to a new city, or having an at-fault accident can produce rate changes that can now make some companies more affordable than before.

Cheap Insurance Rates for Migrants

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21st Century quotes some of the lowest car insurance rates in Jersey City at around $1,111 a year. This is $741 less than the average rate paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also make the list of some of the cheaper Jersey City, NJ auto insurance companies.

In the above example, if you currently buy coverage from Penn National and switched to Travelers, you might achieve yearly savings of in the vicinity of $134. Customers with Palisades could save as much as $150 a year, and The Hartford customers might reduce prices by as much as $285 a year.

Be aware that those policy prices are averages for all drivers and vehicles in New Jersey and are not factoring in a vehicle location for immigrants. So the company that can offer you the best price may not even be in the top 19 companies shown above. That illustrates why you need to quote rates from many companies using your own driver data and vehicle information.

Does it make sense to buy full coverage?

Paying less for auto insurance should be important to the majority of drivers, and one of the best ways to buy cheap insurance for immigrants is to only buy liability insurance. The diagram below compares car insurance rates with and without full coverage. The costs are based on no violations or accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average the cost for ages 20 through 70, physical damage coverage costs $3,679 per year more than insuring for liability only. At some point, almost every driver questions if buying full coverage is a good investment. There is no definitive formula to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

Selecting a highly-rated car insurance provider can be challenging considering how many different companies insure vehicles in New Jersey. The rank data displayed below can help you analyze which car insurance providers you want to consider purchasing coverage from.

The rankings below are for large, nationwide insurance companies, so companies that only write business in New Jersey or surrounding areas are not factored into the list. To check rates from the insurers below and more, simply click here.

Jersey City, NJ Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Why you should shop around

Jersey City, NJ auto insurance rates are impacted by many things that will increase or decrease the cost of coverage. Simply having a birthday, adding a teenager to your policy, or getting a driving violation may generate price changes that can make some companies cheaper than others.

Not only may your situation change, but car insurance companies file new New Jersey car insurance rates every year in order to remain profitable. Heavy losses can cause rate hikes, while lower claim expenses may result in cheaper Jersey City car insurance rates.

For example, the graph below shows which company has the cheapest car insurance in Jersey City, NJ for a 35-year-old female driver with a clear driving record, no claims, and excellent credit. If we compare prices based on her personal profile, 21st Century may offer the lowest car insurance rates in Jersey City at $1,422 per year. This is $430 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National are also on the list of the most affordable Jersey City, NJ auto insurance companies.

Now let’s give the driver from the first example a claim surcharge, a lower credit score, and a blemish on her driving record. Since every car insurance company has a different process for determining rates, comparing prices may result in a significantly different list of the cheapest companies as shown below.

Allstate now has the best insurance rate in Jersey City with California Casualty, USAA, Travelers, and Mercury also being competitive. This shows why it is important to compare as many rates as possible when trying to get affordable insurance quotes for immigrants.

Rates are calculated by many different factors and can change without notice, so the most affordable company the last time you compared rates may now be one of the more expensive options.