For safe drivers, one of the more important components that are used to help calculate the amount you pay for auto insurance is your zip code. Areas with more people or higher crime rates tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The following table ranks the most expensive areas in New Jersey for good drivers to buy auto insurance in. Jersey City is ranked #11 having an annual price of $2,253 for the average policyholder, which is about $188 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Newark | $2,598 |
| 2 | West New York | $2,506 |
| 3 | East Orange | $2,495 |
| 4 | Union City | $2,450 |
| 5 | Hoboken | $2,377 |
| 6 | Paterson | $2,376 |
| 7 | Elizabeth | $2,374 |
| 8 | Clifton | $2,345 |
| 9 | Passaic | $2,301 |
| 10 | Kearny | $2,289 |
| 11 | Jersey City | $2,253 |
| 12 | Bayonne | $2,184 |
| 13 | Camden | $2,133 |
| 14 | Perth Amboy | $2,102 |
| 15 | Linden | $2,099 |
| 16 | Atlantic City | $2,086 |
| 17 | Fort Lee | $2,081 |
| 18 | Hackensack | $1,940 |
| 19 | New Brunswick | $1,932 |
| 20 | Plainfield | $1,918 |
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Information shown are estimated as the specific geographic location can increase or decrease rates considerably.
Comparing rates for affordable car insurance is not the easiest thing to do, and finding out which insurers offer the most affordable auto insurance rates for good drivers calls for even more rate comparisons. Every car insurance company has their own unique process to establish rates, so let’s begin by taking a look at the most competitive auto insurance companies in New Jersey.
Cheap Insurance Rates for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | 21st Century | $1,067 |
| 2 | Travelers | $1,191 |
| 3 | New Jersey Manufacturers | $1,258 |
| 4 | Penn National | $1,325 |
| 5 | Palisades | $1,382 |
| 6 | California Casualty | $1,451 |
| 7 | The Hartford | $1,491 |
| 8 | Allstate | $1,538 |
| 9 | USAA | $1,553 |
| 10 | Mercury | $1,587 |
| 11 | Amica | $1,887 |
| 12 | Esurance | $1,894 |
| 13 | Progressive | $1,938 |
| 14 | MetLife | $1,991 |
| 15 | State Farm | $2,160 |
| 16 | GEICO | $2,240 |
| 17 | Encompass | $2,397 |
| 18 | Liberty Mutual | $2,978 |
| 19 | Hanover | $4,027 |
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21st Century generally has some of the lowest car insurance rates in Jersey City at around $1,067 annually. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also make the list of some of the most economical Jersey City, NJ car insurance companies.
In the above rates, if you currently have a policy with Palisades and switched to Travelers, you might realize yearly savings of upwards of $191. Drivers with California Casualty could save as much as $260 a year, and The Hartford customers might see rate reductions of $300 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or quote rates from the companies below.
It’s important to note that these policy rates are averages across all insureds and vehicles and are not factoring in an exact vehicle garaging location for good drivers. So the insurer that can offer the best rates for your situation may not even be in the list above. That’s why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
The make and model of vehicle you are buying coverage for is one of the biggest factors that determines if you can find affordable car insurance for good drivers. Vehicles with high performance features, a lack of safety features, or high incidents of liability claims will cost much more to insure than more economical and safe models. The information below features auto insurance rates for a selection of the more affordable vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,372 |
| Ford Escape XLS 4WD | $1,549 |
| Honda CR-V EX 4WD | $1,589 |
| Chevrolet Equinox LT AWD | $1,626 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,655 |
| Toyota Prius | $1,668 |
| Ford F-150 XL Super Cab 2WD | $1,702 |
| Chevrolet Impala LTZ | $1,713 |
| Toyota Corolla XLE | $1,718 |
| Ford Explorer Eddie Bauer 2WD | $1,742 |
| Nissan Rogue SL 2WD | $1,751 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,742 |
| Volkswagen Jetta S 4-Dr Sedan | $1,779 |
| Toyota RAV4 2WD | $1,785 |
| Ford Focus SE 2-Dr Coupe | $1,829 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in vehicle location which can lower or raise coverage prices substantially.
Looking at the data, you can see that vehicles like the Honda Accord, Ford Escape, Honda CR-V, Chevrolet Equinox, and Toyota Tacoma should be a few of the less-costly vehicles to insure for safe drivers.
The chart below demonstrates how deductible levels can impact insurance premiums when searching for cheap insurance for good drivers. The premiums are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could reduce rates by $516 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $774 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, could roll back prices $1,322 every year by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it is essential to have enough funds in savings to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
New Jersey auto insurance companies ranked
Choosing a good quality auto insurance company can be rather challenging considering how many different companies sell coverage in New Jersey. The ranking data shown next could help you decide which car insurance companies you want to consider buying from. These ratings are only comprised of companies with a nationwide focus, so smaller companies are not taken into consideration for these rankings.
Top 10 Large Auto Insurance Providers Overall in Jersey City
- Mercury Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
- GEICO
- 21st Century
Discount Jersey City car insurance
Insurers that provide coverage for good drivers may provide rate discounts that can lower rates by as much as 40% or more if you meet the requirements. A few popular companies and some of their more popular discounts are detailed below.
- Progressive discounts include good student, online signing, multi-vehicle, continuous coverage, and multi-policy.
- MetLife has savings for defensive driver, accident-free, claim-free, multi-policy, good student, and good driver.
- Mercury Insurance policyholders can earn discounts including annual mileage, age of vehicle, low natural disaster claims, professional/association, good student, multi-car, and type of vehicle.
- Nationwide offers discounts for easy pay, defensive driving, Farm Bureau membership, anti-theft, good student, business or organization, and family plan.
- GEICO has discounts for membership and employees, federal employee, seat belt use, anti-lock brakes, emergency military deployment, air bags, and anti-theft.
- AAA includes discounts for good driver, AAA membership discount, pay-in-full, anti-theft, multi-car, multi-policy, and education and occupation.
The information below illustrates the difference between insurance premiums with and without discounts applied to the rates. Data assumes a female driver, no accidents, no driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, claim-free, multiple policy, passive restraint, multiple vehicle, and accident-free discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on auto insurance for good drivers is 28% or $536.