Who Has the Cheapest Auto Insurance Quotes for Handicapped Drivers in Jersey City?

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Finding reliable, low-cost auto insurance is difficult, and determining which companies quote the best auto insurance rates for handicapped drivers will involve even more work. Every insurance company uses their own method for filing rates in each state, so let's take a look at the auto insurance companies with the most affordable rates in New Jersey.

It's important to understand that New Jersey auto insurance rates are determined by lots of factors that may substantially change the cost of a policy. Simply having a birthday, buying a safer car, or getting a reckless driving citation can cause premium changes that can make some companies cheaper than before.

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Cheapest auto insurance in New Jersey ranked by cost per year
Rank Company Cost Per Year
1 21st Century $1,078
2 Travelers $1,156
3 New Jersey Manufacturers $1,310
4 Palisades $1,341
5 Penn National $1,366
6 California Casualty $1,437
7 Allstate $1,493
8 The Hartford $1,536
9 USAA $1,538
10 Mercury $1,651
11 Progressive $1,862
12 Amica $1,869
13 Esurance $1,894
14 MetLife $1,991
15 State Farm $2,160
16 GEICO $2,262
17 Encompass $2,374
18 Liberty Mutual $3,008
19 Hanover $4,027
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21st Century may have some of the best car insurance rates in Jersey City at around $1,078 annually. Travelers, New Jersey Manufacturers, Palisades, and Penn National would also make the list of some of the best Jersey City, NJ insurance companies.

As illustrated above, if you are currently insured with Penn National and switched to Travelers, you could see a yearly savings of in the vicinity of $210. Policyholders with California Casualty might save as much as $281 a year, and Allstate customers might see rate reductions of $337 a year.

To see if you're overpaying, click here or visit any of the low-priced companies below.

It's important to note that these premiums are averages across all drivers and vehicles and and are not figured with an exact vehicle garaging location for handicapped drivers. So the car insurance company that is most affordable for your situation may not even be in the top 19 companies shown above. That points out the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

The type of vehicle that is being insured is a large consideration when looking for the best cheap insurance for handicapped drivers. Vehicles with lower acceleration and performance, an excellent safety record, or low incidents of liability claims will cost less to insure than higher performance models.

The data below outlines insurance prices for a number of the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in Jersey City, NJ
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 4WD $1,519
Honda Accord EX-L 4-Dr Sedan $1,527
Honda Odyssey LX $1,535
Ford F-150 STX Regular Cab 2WD $1,540
Toyota Prius $1,551
Jeep Wrangler Rubicon 4WD 2-Dr $1,564
Honda CR-V EX 4WD $1,620
Toyota RAV4 4WD $1,655
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,687
Ford Explorer XLT 2WD $1,711
Jeep Grand Cherokee Limited 2WD $1,775
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,782
Chevrolet Impala LS $1,777
Chevrolet Silverado LS Extended Cab 4WD $1,812
Ford Edge SEL AWD $1,823
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in specific zip code location which can revise premium rates greatly.

Looking at the rates, you can presume that models like the Ford Escape, Honda Accord, and Honda Odyssey are most likely going to be some of the most affordable vehicles to insure for drivers with handicaps.

Finding the right company is difficult considering how many companies provide coverage in New Jersey. The company rank data below may help you choose which providers to look at when shopping your coverage around. The rankings below are only comprised of major nationwide insurance 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
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Data Source: Insure.com Best Car Insurance Companies

The chart below shows how choosing a deductible can influence premium costs when researching cheap insurance for handicapped drivers. The premiums assume a single male driver, full physical damage coverage, and no discounts are factored in.

The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $536 a year by increasing from a $100 deductible to a $500 deductible, or save $804 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, could roll back prices as much as $1,782 or more just by using higher deductibles.

If you do decide to increase your deductibles, it is a good idea to have enough funds in savings to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How to find low-cost insurance for handicapped drivers

The list below shows some of the better penny-pinching ideas that can help you buy more affordable auto insurance.

The last suggestion is very necessary, as we stressed in the prior information. Insurance prices change constantly, so drivers shouldn't be resistant to buy from a new company if you find a better deal.

Having a favorite company is great, but it's not recommended if that faithfulness ends up costing you hundreds of dollars a year. In just a couple of minutes you could shop around and find cheaper car insurance for handicapped drivers in Jersey City.

If you aren't sure which coverage to buy and prefer to get some help when shopping for the best coverage for handicapped drivers, the agents shown below are willing to provide answers to your questions and help you determine which coverages and limits you need. To locate a Jersey City car insurance agency by location nearest to you, click the button at the bottom of the list.

Exodus Insurance Services
758 Ocean Ave - Jersey City, NJ 07304 - (201) 433-1015

Preferred Choice Insurance Agency
225 Newark Ave - Jersey City, NJ 07302 - (201) 616-7644

GG Insurance - Independent Insurance Agent
270 Marin Boulevard, Metropolis Towers Suite #14D - Jersey City, NJ 07302 - (800) 801-0394

Farmers Insurance - Karima Panjwani
591 Summit Ave - Jersey City, NJ 07306 - (201) 793-7525

More insurance agents in Jersey City, NJ