Who Has the Cheapest Jersey City Auto Insurance Quotes for Felons?

The vehicle model requiring insurance is a large factor when shopping for the best cheap auto insurance for felons. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost more to insure than safer, lower-performance models. The next table illustrates auto insurance premiums for a handful of the most cost-effective automobiles to insure.

Cheapest Vehicles to Insure in Jersey City, NJ
Vehicle Estimated Cost for Full Coverage
Ford Escape Limited 4WD $1,612
Honda CR-V EX 2WD $1,629
Ford Explorer Eddie Bauer 2WD $1,662
Volkswagen Jetta S 2.5 Station Wagon $1,769
Toyota Prius $1,807
Dodge Grand Caravan SE $1,818
Chevrolet Impala LTZ $1,851
Toyota Camry SE $1,859
Jeep Grand Cherokee Limited 2WD $1,884
GMC Sierra SLT Crew Cab 2WD $1,892
Ford Edge SEL AWD $1,887
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,917
Toyota RAV4 Sport 2WD $1,922
Toyota Tacoma Double Cab 4WD $1,961
Chevrolet Equinox LT 2WD $1,983
Honda Accord EX-L 2-Dr Coupe $2,010
Toyota Camry Hybrid $2,015
Ford Fusion Sport AWD 4-Dr Sedan $2,013
Hyundai Elantra Blue 4-Dr Sedan $2,030
Hyundai Sonata GLS 4-Dr Sedan $2,060
Nissan Rogue S AWD $2,069
Ford F-150 Lariat Crew Cab Platinum 2WD $2,068
Chevrolet Malibu LTZ $2,074
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in zip code location which can revise insurance rates significantly.

Based upon the rates shown, models like the Ford Escape, Honda CR-V, Ford Explorer, and Volkswagen Jetta will definitely be some of the most affordable vehicles to insure for felons.

One of the more important considerations that determine auto insurance rates is where you keep your car. Areas with a lot of weather claims or more people will most likely have higher rates, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.

The next table rates the most expensive places in New Jersey for felons to buy car insurance in. Jersey City is ranked #11 with the annual price of $2,253 for the average insured, which is around $188 each month.

How much is car insurance in Jersey City?
Rank City Annual Rate
1 Newark $2,598
2 East Orange $2,521
3 Elizabeth $2,470
4 Union City $2,450
5 West New York $2,431
6 Paterson $2,400
7 Passaic $2,371
8 Kearny $2,358
9 Hoboken $2,307
10 Clifton $2,276
11 Jersey City $2,253
12 Bayonne $2,251
13 Camden $2,155
14 Fort Lee $2,144
15 Perth Amboy $2,102
16 Linden $2,099
17 Atlantic City $2,044
18 Hackensack $1,921
19 Plainfield $1,918
20 Trenton $1,896
21 Sayreville $1,882
22 New Brunswick $1,875
23 Vineland $1,860
24 Lakewood $1,819
25 Toms River $1,725
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Information shown are comparative as the specific area where the vehicle is garaged can affect premium rates noticeably.

Does full coverage make sense?

Saving on auto insurance is important to most vehicle owners, and an effective way to find cheap insurance for felons is to only buy liability insurance. The example below visualizes the comparison of car insurance rates with full coverage and liability only. The rates are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are factored in.

On average, comp and collision coverage costs $2,257 per year over and above liability only. Many drivers may wonder if you should buy full coverage. There is no written rule of when to drop physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s replacement cost is $9,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,500 after you pay the deductible. If you are currently paying more than $850 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping full coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Driving violations and accidents

The easiest way to maintain the best auto insurance rates for felons is to drive carefully and avoid accidents and traffic violations. The chart below highlights how speeding tickets and at-fault claims influence insurance prices for each different age category. The rate quotes are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

The data above shows the average cost of auto insurance in New Jersey per year with no violations or accidents is $1,939. Add in two speeding tickets and the average cost jumps to $2,757, an increase of $818 each year. Then include one accident along with the two speeding tickets and the yearly cost of auto insurance for felons increases to an average of $3,573. That’s an increase of $1,634, or $136 per month, just for not being attentive to the road!

Selecting the best insurance company is difficult considering how many companies there are to choose from in New Jersey. The ranking data listed below may help you choose which insurers to look at to insure your vehicles. These rankings only include the largest companies in the United States, so companies that focus mainly on New Jersey business are not taken into consideration for the list.

Top 10 Major Auto Insurance Companies in Jersey City Ranked by A.M. Best Rating

  1. GEICO – A++
  2. Travelers – A++
  3. State Farm – A++
  4. USAA – A++
  5. Allstate – A+
  6. Nationwide – A+
  7. Mercury Insurance – A+
  8. Progressive – A+
  9. The Hartford – A+
  10. Esurance – A+

Top 10 Major Auto Insurance Companies Overall in Jersey City

  1. Mercury Insurance
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century

Tips to find economical insurance for felons

The list below summarizes a few penny-pinching ideas that can help Jersey City drivers find more affordable coverage.

The last tip in the list is incredibly significant, as we hit on in this article. Coverage rates change constantly, so drivers shouldn’t be resistant to switch to a new company if a lower price can be found. Having brand loyalty is commendable, but it’s not recommended if that loyalty ends up costing several hundred dollars every year. It only takes a couple minutes to compare rates and find cheaper car insurance for felons in Jersey City.