How Much is Auto Insurance for a School Permit in Jersey City?

Buying cost effective insurance is challenging, and deciding which companies have the best car insurance rates for a school permit will take even more diligence.

Every auto insurer has a proprietary method for determining prices, so to begin we’ll rank the car insurance companies with the overall best prices in New Jersey.

Best Car Insurance Prices for Students

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New Jersey car insurance ranked by cost per year
Rank Company Cost Per Year
1 21st Century $1,067
2 Travelers $1,191
3 New Jersey Manufacturers $1,271
4 Penn National $1,325
5 Palisades $1,395
6 California Casualty $1,451
7 Allstate $1,493
8 The Hartford $1,521
9 Mercury $1,587
10 USAA $1,600
11 Esurance $1,838
12 Progressive $1,862
13 Amica $1,869
14 MetLife $1,932
15 GEICO $2,174
16 State Farm $2,248
17 Encompass $2,397
18 Liberty Mutual $2,978
19 Hanover $3,909
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21st Century generally has some of the cheapest car insurance rates in Jersey City at around $1,067 a year. Travelers, New Jersey Manufacturers, Penn National, and Palisades also rank well as some of the most economical Jersey City, NJ auto insurance companies.

In the rate table above, if you currently have a policy with New Jersey Manufacturers and switched to 21st Century, you could see an annual premium reduction of around $204. Customers with Penn National may save as much as $258 a year, and Palisades customers might lower prices by up to $328 a year.

These policy rates are averaged across all insureds and vehicles and and are not figured with a specific location for a school permit. So the auto insurance company that is most affordable for your situation may not even be in the top 19 companies in the list above. That points out the importance of why you need to get car insurance quotes using your own driver data and vehicle information.

One of the more important components that help determine the amount you pay each year for auto insurance is where your car is garaged. Areas with high crime rates or more dense population likely pay more, whereas more rural areas tend to receive slightly lower rates.

The information below sorts the highest-priced areas in New Jersey for a school permit to purchase auto insurance in. Jersey City is ranked #11 with a yearly cost of $2,253 for the average policy, which is around $188 per month.

How much is car insurance in Jersey City?
Rank City Average Per Year
1 Newark $2,598
2 West New York $2,531
3 East Orange $2,495
4 Passaic $2,395
5 Union City $2,378
6 Paterson $2,376
7 Elizabeth $2,374
8 Clifton $2,345
9 Kearny $2,335
10 Hoboken $2,307
11 Jersey City $2,253
12 Bayonne $2,207
13 Linden $2,185
14 Camden $2,155
15 Fort Lee $2,144
16 Perth Amboy $2,144
17 Atlantic City $2,024
18 Hackensack $1,999
19 New Brunswick $1,932
20 Plainfield $1,898
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Premium amounts are estimated as the vehicle garaging location can impact coverage rates considerably.

The car, truck, or SUV that is being insured is probably the largest consideration when consumers are trying to find economical coverage for a school permit. Vehicles with lower performance, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models.

The information below illustrates coverage rates for a selection of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Jersey City, NJ
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $4,890
Honda CR-V LX 4WD $4,899
Ford Escape Limited 4WD $5,248
Toyota Prius $5,295
Dodge Grand Caravan CV $5,493
Ford F-150 STX Super Cab 4WD $5,540
Chevrolet Impala LS $5,757
Ford Focus S 4-Dr Sedan $5,764
Chevrolet Equinox LT AWD $5,804
Chevrolet Malibu LS $5,809
Volkswagen Jetta S 4-Dr Sedan $5,804
Toyota RAV4 Sport 4WD $5,810
Toyota Tacoma Double Cab 4WD $5,851
Ford Explorer Eddie Bauer 4WD $5,859
Chevrolet Silverado LS Regular Cab 2WD $5,927
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Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific Jersey City, NJ garaging location which can modify rates greatly.

Based upon the rates shown, we can infer that vehicles like the Honda Accord, Honda CR-V, Ford Escape, and Toyota Prius are most likely to be a few of the cheapest vehicles to insure for a learners permit. Car insurance rates will tend to be higher because there is a higher risk for a school permit, but generally speaking those models will tend to have the cheapest rates compared to other types of vehicles.

The diagram below shows how choosing a deductible can influence insurance rates when trying to find cheap insurance for a school permit. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $382 a year by increasing from a $100 deductible to a $500 deductible, or save $576 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, have the ability to save $966 every year just by using higher deductibles. If you do decide to increase your deductibles, it’s a good idea to have enough savings to be able to pay the extra out-of-pocket expense associated with higher deductibles.

Get discount Jersey City car insurance

Cheaper Jersey City, NJ car insurance for a learners permitInsurers that provide coverage for a school permit may also give you premium discounts that may potentially lower prices by as much as 40% or more if you meet specific criteria. A list of car insurance companies and the discounts they provide include:

The diagram below illustrates the comparison of insurance rates with and without discounts applied to the premium. Data assumes a female driver, no driving violations, no at-fault accidents, New Jersey state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with paperless filing, vehicle safety, continuous coverage, paid-in-full, good student, and passive restraint discounts applied. In this example, the average savings per year on car insurance for a school permit is 28% or $1,000.

Why you are probably overpaying for car insurance

Jersey City car insurance rates are impacted by many factors that control the price you have to pay. Turning one year older, adding a teenager to your policy, or getting a driving violation can trigger changes in premium resulting in some rates now being affordable when they were higher priced. Not only may your risk profile change, but car insurance companies file new New Jersey auto insurance rates multiple times each year in order to protect their financial rating. Higher than normal claim frequency or severity may result in rate hikes, while lower claim expenses can cause more affordable Jersey City car insurance rates.

To illustrate this example, the chart below analyzes the cheapest car insurance in Jersey City, NJ for a 30-year-old male driver with a clear driving record, no claims, and good financial standing. If we compare prices based on his current risk profile, 21st Century might offer the best car insurance rates in Jersey City at $1,408 per year. This is $444 less than the average policy premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are the remaining cheapest Jersey City, NJ auto insurance companies.

Now we will pretend the driver from the first set of rates a claim surcharge, a lower credit rating, and a stop sign violation. Since each auto insurance company uses their own calculation for determining prices, analyzing rates may now show a significantly different list of affordable companies as shown below.

The Hartford now has the cheapest auto insurance in Jersey City with Allstate, USAA, Mercury, and Travelers also being competitive. This example proves why it is so important to compare many different companies when trying to find the most affordable insurance rates for a school permit. Auto insurance prices consist of many things and change frequently, so the best price when you bought your policy may now cost much more than other companies.

How to find more affordable insurance for a school permit

It is possible to find better rates, and here are some of the better thrifty solutions that can help you quote cheaper coverage.

That last tip is especially valuable, as was emphasized in this article. Coverage prices in Jersey City can change in a short period of time, so don’t be unwilling to switch carriers if you can save money. Many consumers stick with the same company and that’s fine, but it’s not a great idea if that inflexibility results in costing you lots of money. It only takes a couple minutes to shop around to find cheaper auto insurance for a school permit.