Who Has Cheap Jersey City Car Insurance Rates for Single Moms?

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.

Cheapest Vehicles to Insure in Jersey City, NJ
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

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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

Save on auto insurance for single parents in Jersey CityCar 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.

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.

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

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.

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.