The type of vehicle to be insured is a large factor when shopping around for low-priced car insurance for single moms. Vehicles with lower performance, advanced safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than adrenaline junky models. The table below presents insurance prices for a number of the most economical automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,405 |
| Honda Accord LX-P 4-Dr Sedan | $1,412 |
| Ford Escape XLT 2WD | $1,405 |
| Ford Edge SE 2WD | $1,543 |
| Toyota Prius | $1,559 |
| Ford Focus S 4-Dr Sedan | $1,632 |
| Toyota Tacoma 2WD | $1,640 |
| Ford Fusion S 4-Dr Sedan | $1,664 |
| Ford F-150 FX4 Super Cab 4WD | $1,696 |
| Honda Civic VP 4-Dr Sedan | $1,718 |
| Honda Odyssey EX-L | $1,750 |
| Chevrolet Silverado LS Extended Cab 2WD | $1,785 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,903 |
| Toyota Camry LE | $1,906 |
| Dodge Grand Caravan SE | $1,933 |
| Ford Explorer Eddie Bauer 2WD | $1,942 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,976 |
| GMC Sierra 2500HD SLE Crew Cab 2WD | $1,990 |
| Chevrolet Impala LS | $2,003 |
| Hyundai Elantra SE 4-Dr Sedan | $2,006 |
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in specific Jersey City, NJ garaging location which can increase or decrease rates substantially.
Looking at the rates, models like the Honda CR-V, Honda Accord, Ford Escape, and Ford Edge are most likely to be the most affordable vehicles to insure for single parents.
Trying to buy affordable car insurance is not the easiest thing to do, and figuring out which companies quote the lowest-priced auto insurance rates for single moms calls for a little more work. Every insurance company uses different criteria to determine premium rates, so to begin we’ll rank the overall cheapest auto insurance companies in Jersey City.
We do need to point out that Jersey City, NJ auto insurance rates are impacted by many things that can increase the cost of coverage. Simply improving your credit score, buying another vehicle, or having an accident can trigger rate changes resulting in some companies being cheaper than competitors.
Cheapest Insurance Rates for Single Moms
21st Century normally has some of the cheapest car insurance rates in Jersey City at around $1,100 each year. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also make the list of some of the best Jersey City, NJ auto insurance companies.
In the rate table above, if you are insured with Penn National and switched to 21st Century, you might realize an annual premium reduction of about $279. Insureds with Palisades might save as much as $282 a year, and California Casualty policyholders might realize rate reductions of up to $381 a year.
These premium estimates are averaged for all drivers and vehicles in New Jersey and are not factoring in a vehicle location for single moms. So the insurer that can offer you the lowest price may not even be in the top 19 companies in the list above. That’s why you need to get rate quotes from many companies using your own driver and vehicle profiles.
Discount Jersey City car insurance rates
Car insurance companies that offer cheap quotes for single moms may additionally offer special discounts that may potentially lower prices by 30% or more if you qualify for them. A list of auto insurance companies and some of their more popular discounts are shown below.
- State Farm offers premium reductions for anti-theft, student away at school, defensive driving training, accident-free, and multiple autos.
- American Family includes discounts for TimeAway discount, good student, accident-free, air bags, multi-vehicle, early bird, and mySafetyValet.
- AAA has savings for multi-car, AAA membership discount, anti-theft, pay-in-full, good driver, good student, and multi-policy.
- GEICO offers discounts including federal employee, good student, seat belt use, five-year accident-free, emergency military deployment, multi-vehicle, and driver training.
- Mercury Insurance has discounts for type of vehicle, good student, age of vehicle, multi-car, and low natural disaster claims.
- Farmers Insurance may have discounts that include alternative fuel, early shopping, electronic funds transfer, multi-car, good student, switch companies, and homeowner.
- Progressive discounts include multi-policy, continuous coverage, online signing, homeowner, multi-vehicle, good student, and online quote discount.
The illustration below shows the comparison of insurance rates with and without policy discounts. The prices are based on a female driver, no claims or driving citations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, anti-theft, marriage, multiple policy, multiple vehicle, and vehicle safety discounts applied. When these discounts are applied, the average savings per year on auto insurance for single moms is 28% or $651.
Which auto insurance company is best in New Jersey?
Selecting the top insurance provider is difficult considering how many different insurance companies sell coverage in New Jersey. The company rank data shown next can help you pick which insurers you want to consider shopping prices with. These rankings are for large nationwide companies, so companies that have a smaller presence are not included in these 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
How to find the cheapest car insurance for single moms
The list below shows many penny-pinching solutions that can help New Jersey drivers locate cheap coverage.
- Buy vehicles with five-star safety ratings
- Full coverage may not be needed on older vehicles
- Clean up your credit rating
- Prevent price hikes by avoiding at-fault accidents
- Do not get traffic tickets
- Higher deductibles save money
- Compare quotes from other companies often
That last tip is very important, as we discussed in the prior article. Prices go up and down frequently, so drivers shouldn’t be resistant to buy from a different company if a better rate can be found. Having a favorite company is great, but it’s not a great idea if that inflexibility results in costing you potentially thousands of dollars a year. Spend a few minutes and compare rates to find cheaper auto insurance for single moms in Jersey City.