Wouldn’t it be great if we could look into our crystal ball and tell you the exact company that has the cheapest car insurance rates for government employees? Unfortunately, it’s not that simple as there are a lot of unknown factors like if you are currently insured, if you want the added protection of full coverage, what deductibles to use for physical damage coverage, and how old you are, that all impact the cost of coverage. If you keep reading, we will teach you about the things that influence insurance rates and will hopefully give you a jump start in finding the best auto insurance.
Figuring out which insurers offer the cheapest insurance rates for government employees will require a bit more work in order to find the best price. Each company has their own process to determine premium rates, so let’s take a look at the insurance companies with the most affordable rates in Jersey City.
Keep in mind that Jersey City insurance rates are based on many factors which can significantly increase or decrease the policy premium. Turning one year older, buying a different vehicle, or having an at-fault accident may prompt premium changes resulting in some rates now being affordable when they were higher priced.
Best Cheap Insurance Rates in New Jersey
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | 21st Century | $1,111 |
| 2 | Travelers | $1,191 |
| 3 | New Jersey Manufacturers | $1,310 |
| 4 | Palisades | $1,341 |
| 5 | Penn National | $1,366 |
| 6 | California Casualty | $1,481 |
| 7 | Allstate | $1,523 |
| 8 | The Hartford | $1,536 |
| 9 | USAA | $1,553 |
| 10 | Mercury | $1,587 |
| 11 | Esurance | $1,838 |
| 12 | Progressive | $1,862 |
| 13 | Amica | $1,869 |
| 14 | MetLife | $2,010 |
| 15 | GEICO | $2,174 |
| 16 | State Farm | $2,248 |
| 17 | Encompass | $2,303 |
| 18 | Liberty Mutual | $2,890 |
| 19 | Hanover | $3,909 |
| Compare Rates Now Go | ||
21st Century offers some of the cheapest car insurance rates in Jersey City at around $1,111 each year. Travelers, New Jersey Manufacturers, Palisades, and Penn National are also some of the most economical Jersey City, NJ insurance companies.
In the above rates, if you buy coverage from Palisades and switched to 21st Century, you might achieve annual savings of in the vicinity of $230. New Jersey drivers with Penn National could save as much as $255 a year, and California Casualty insureds might lower prices by up to $370 a year.
Bear in mind that those prices are averages for all types of insureds and vehicles and do not take into consideration a specific zip code for government employees. So the auto insurance company that fits your needs best may not even be in the top 19 companies shown above. That’s why you need to get rate quotes from many companies using your own specific driver information and vehicle.
The vehicle model you are insuring is a large consideration when quoting low-cost insurance for government employees. Vehicles with more horsepower, poor safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The next list features auto insurance premiums for a handful of the most economical vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,405 |
| Honda Civic DX 4-Dr Sedan | $1,631 |
| Ford Edge Limited 2WD | $1,641 |
| Jeep Grand Cherokee Laredo 2WD | $1,664 |
| Toyota RAV4 2WD | $1,670 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,664 |
| Dodge Grand Caravan SXT | $1,696 |
| Honda CR-V LX 4WD | $1,723 |
| Honda Accord LX-P 4-Dr Sedan | $1,732 |
| Honda Odyssey EX-L | $1,750 |
| Chevrolet Equinox LTZ AWD | $1,782 |
| Ford F-350 Super Cab Cabela Package 2WD | $1,815 |
| Ford Focus SE 2-Dr Coupe | $1,871 |
| Nissan Rogue SL AWD | $1,878 |
| Chevrolet Impala LS | $1,871 |
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can change prices significantly.
By looking at the data, makes and models like the Ford Escape, Honda Civic, Ford Edge, Jeep Grand Cherokee, and Toyota RAV4 will definitely be the cheapest vehicles to insure for state and federal workers.
For state and federal workers, one of the big components that are looked at to determine the annual cost of car insurance is where you call home. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas less populated areas tend to receive slightly lower rates.
The next table rates the highest-priced places in New Jersey for government employees in which to buy car insurance. Jersey City shows up at #8 costing $2,322 on average, which is about $194 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Newark | $2,572 |
| 2 | East Orange | $2,521 |
| 3 | West New York | $2,506 |
| 4 | Paterson | $2,472 |
| 5 | Union City | $2,426 |
| 6 | Elizabeth | $2,374 |
| 7 | Kearny | $2,358 |
| 8 | Jersey City | $2,322 |
| 9 | Hoboken | $2,307 |
| 10 | Passaic | $2,301 |
| 11 | Clifton | $2,276 |
| 12 | Bayonne | $2,207 |
| 13 | Camden | $2,155 |
| 14 | Perth Amboy | $2,144 |
| 15 | Linden | $2,121 |
| 16 | Atlantic City | $2,106 |
| 17 | Fort Lee | $2,060 |
| 18 | New Brunswick | $1,932 |
| 19 | Hackensack | $1,921 |
| 20 | Sayreville | $1,920 |
| 21 | Plainfield | $1,918 |
| 22 | Trenton | $1,916 |
| 23 | Vineland | $1,860 |
| 24 | Lakewood | $1,800 |
| 25 | Toms River | $1,691 |
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Prices are estimated as vehicle location can influence prices considerably.
Finding the best auto insurance company can be difficult considering how many different insurance companies sell coverage in New Jersey. The company rank data in the next section may help you choose which providers you want to consider when buying insurance for government employees. The rankings below only include companies that insure vehicles across America, so smaller companies that only insure vehicles in New Jersey will not be included in this list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Drive safe and save
One of the best ways to enjoy the most affordable insurance rates in New Jersey for state and federal workers is to drive safe and avoid getting tickets or having accidents. The example below illustrates how speeding tickets and at-fault collisions raise insurance premiums for each different age group. The data is based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in New Jersey per year with a clean driving record and no accidents is $2,865. Add in two speeding tickets and the average cost jumps to $3,839, an increase of $974 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of insurance for government employees increases to an average of $7,668. That’s an increase of $4,802, or $400 per month, just for being a less-than-perfect driver!
The information below highlights how deductible selection can change insurance rates when searching for cheap insurance for government employees. The rate quotes are based on a single female driver, comp and collision included, and no policy discounts are applied.
A 50-year-old driver could lower their policy premium by $516 a year by increasing from a $100 deductible up to a $500 deductible, or save $774 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could potentially save up to $1,322 annually by using a higher deductible. When raising deductibles, it will be necessary to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.
Don’t stick with an overpriced policy
New Jersey insurance rates are influenced by many factors that control the policy price. Simply turning a year older, having a claim, or getting into an accident may cause policy rate changes that can make some companies more affordable than competitors.
Not only may your risk profile change, but companies modify pricing as often as every quarter to ensure their profitability. Heavier than normal losses may cause a rate increase, while a better loss history can result in lower-priced Jersey City car insurance rates.
The data below shows which companies have the cheapest car insurance in Jersey City, NJ for a 45-year-old female driver with a clean driving record, no accidents, and good credit. When quoting prices based on her current risk factors, 21st Century might quote the best car insurance rates in Jersey City at $1,481 a year. This is $371 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades round out the rest of the top five cheapest Jersey City, NJ auto insurance companies.
The example below compares rates after we give the driver in the first example a chargeable accident, a lower credit rating, and a stop sign violation. Since each company uses their own calculation to set premium rates, getting updated rate quotes may now result in a different list of affordable Jersey City car insurance companies as shown below.
The Hartford now has the cheapest rate in Jersey City with Allstate, USAA, Travelers, and Mercury also being competitive. This example proves why consumers need to compare rates to get the most budget-friendly car insurance quotes for government employees. Prices consist of many factors and can increase or decrease at any time, so the cheapest rate a year ago may now be costing you a lot of money.