One of the many components that are used to help calculate the amount you pay each year for auto insurance is where you normally keep your vehicle in Jersey City. Areas with a lot of weather claims or more people tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.
The illustration below shows the most expensive places in New Jersey for 4×4 vehicles to purchase car insurance in. Jersey City comes in at #12 having an annual price of $2,253 for car insurance, which is approximately $188 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | East Orange | $2,571 |
| 2 | West New York | $2,531 |
| 3 | Newark | $2,496 |
| 4 | Paterson | $2,448 |
| 5 | Elizabeth | $2,446 |
| 6 | Passaic | $2,395 |
| 7 | Union City | $2,378 |
| 8 | Clifton | $2,345 |
| 9 | Hoboken | $2,283 |
| 10 | Bayonne | $2,274 |
| 11 | Kearny | $2,266 |
| 12 | Jersey City | $2,253 |
| 13 | Linden | $2,185 |
| 14 | Perth Amboy | $2,144 |
| 15 | Camden | $2,133 |
| 16 | Fort Lee | $2,081 |
| 17 | Atlantic City | $2,024 |
| 18 | Hackensack | $1,921 |
| 19 | Plainfield | $1,898 |
| 20 | Trenton | $1,896 |
| 21 | Sayreville | $1,882 |
| 22 | New Brunswick | $1,875 |
| 23 | Lakewood | $1,855 |
| 24 | Vineland | $1,806 |
| 25 | Toms River | $1,691 |
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Rates are estimated as the specific area where the vehicle is garaged can decrease or increase premiums significantly.
Trying to buy affordable auto insurance is not the easiest thing to accomplish, and figuring out which companies offer the best auto insurance rates for 4×4 vehicles may require a bit more work.
Every insurance provider uses their own formula to determine premium rates, so we’ll take a look at the auto insurance companies with the overall best prices in Jersey City. Keep in mind that Jersey City auto insurance rates are influenced by many factors that can increase the price you pay for coverage. Events like turning one year older, buying another vehicle, or getting a driving violation can trigger rate changes resulting in some rates now being more expensive than before.
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21st Century normally has some of the cheapest car insurance rates in Jersey City at around $1,067 per year. Travelers, New Jersey Manufacturers, Penn National, and Palisades also rank well as some of the cheapest Jersey City, NJ car insurance companies.
In the rate table above, if you buy coverage from Penn National and switched to Travelers, you could see a yearly savings of around $158. New Jersey drivers with Palisades may save as much as $161 a year, and The Hartford customers might see rate reductions of $296 a year.
Understand that those premiums are averaged for all types of insureds and vehicles and are not factoring in a specific zip code for 4×4 vehicles. So the auto insurance company that is most affordable for your situation may not even be in the top 19 companies shown above. That emphasizes why you need to quote rates from many companies using your own driver data and vehicle information.
The vehicle on the policy is a large consideration when consumers are trying to find the most economical car insurance for 4×4 vehicles. Vehicles with lower acceleration and performance, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than higher performance models. The table below presents insurance prices for the most economical vehicles to insure in New Jersey.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Dodge Grand Caravan SE | $1,731 |
| Ford Explorer XLT 2WD | $1,736 |
| Honda CR-V LX 4WD | $1,745 |
| Ford Escape XLS 4WD | $1,752 |
| Toyota Tacoma 2WD | $1,799 |
| Toyota RAV4 Limited 4WD | $1,832 |
| Toyota Prius | $1,883 |
| Chevrolet Impala LTZ | $1,930 |
| Kia Optima LX | $1,961 |
| Honda Odyssey Touring | $1,964 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,969 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $2,000 |
| GMC Sierra SLE Crew Cab 2WD | $2,006 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can change insurance rates greatly.
Based upon the rates shown, we can conclude that makes and models like the Dodge Grand Caravan, Ford Explorer, and Honda CR-V will be a few of the most economical vehicles to insure for off-road vehicles.
How to get discounts on Jersey City insurance
Insurance companies that offer quotes for 4×4 vehicles may also give you policy discounts that could reduce prices by 25% or more if you are eligible to receive them. A few of the larger companies and some of the premium reductions they offer are outlined below.
- State Farm may include discounts for Drive Safe & Save, accident-free, anti-theft, driver’s education, multiple autos, defensive driving training, and safe vehicle.
- GEICO includes discounts for driver training, good student, air bags, federal employee, membership and employees, defensive driver, and daytime running lights.
- Allstate has discounts for farm vehicle, safe driver, FullPay discount, resident student, and premier plus.
- SAFECO may offer discounts for multi-car, anti-lock brakes, teen safe driver, homeowner, safe driver, accident prevention training, and drive less.
- Farm Bureau offers discounts for 55 and retired, youthful driver, safe driver, multi-vehicle, and good student.
- Progressive offers discounts including good student, homeowner, continuous coverage, multi-vehicle, and multi-policy.
- AAA has savings for anti-theft, multi-policy, pay-in-full, AAA membership discount, education and occupation, and good driver.
The illustration below illustrates the comparison of insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no violations or accidents, New Jersey state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, vehicle safety, defensive driving course, passive restraint, multiple vehicle, and safe-driver discounts applied. When discounts are factored in, the average savings per year on auto insurance for 4×4 vehicles is 28% or $802.
The example below shows how different deductible levels can influence insurance premiums when searching for cheap insurance for 4×4 vehicles. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are factored in.
In the chart above, a 30-year-old driver could lower rates by $608 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $916 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could lower their rates up to $1,354 or even more just by choosing higher deductibles when buying full coverage.
If you do raise deductibles, it is necessary to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
If you wish to get help from a professional when shopping for the best coverage for 4×4 vehicles, the agents shown below can probably answer your questions and help you decide which car insurance company is the best fit.
To find a Jersey City insurance agency close to you, click the button at the bottom or click here to get price quotes now.
- Express Insurance
775 Newark Ave – Jersey City, NJ 07306 – (201) 217-1780 - Preferred Choice Insurance Agency
225 Newark Ave – Jersey City, NJ 07302 – (201) 616-7644 - AMC Insurance Inc
958 Summit Ave – Jersey City, NJ 07307 – (201) 656-1200
More Jersey City, NJ insurance agents
How to find the cheapest auto insurance for 4×4 vehicles
Here are some money-saving solutions that can help Jersey City drivers locate cheap car insurance.
- Pay cheaper rates with good credit scores
- Do not pay for full coverage on older vehicles
- Bundle home and auto and earn a discount
- Raise deductibles to save money
- Buy a vehicle with excellent safety ratings
- Pay less by remaining claim-free
- Compare quotes from other companies often
The last tip is extraordinarily significant, as we stressed in this piece. Prices charged by car insurance companies vary considerably, so drivers shouldn’t be resistant to buy a different policy if a better rate can be found. Sticking with a specific company is fine, but it isn’t a good idea if that loyalty ends up costing a wad of cash every year. Now is a great time to shop around and find cheaper car insurance for 4×4 vehicles in Jersey City.