How Much is Jersey City Auto Insurance for Teenage Females?

It would sure be easy if we could simply give you the name of the single best company that has the best deal on coverage in New Jersey. Unfortunately, it’s just not that easy, as there are a whole bunch of unknown factors like the area where you live, what coverage limits you want, and the miles you drive each year. If you keep reading, we will teach you about the best ways to avoid high prices and will hopefully give you a good start in finding the cheapest insurance in Jersey City.

The make and model of vehicle you are buying coverage for is one of the largest factors that determines if you can find low-priced coverage for teenage females. Vehicles with higher performance characteristics, poor safety features, or a track record of large liability claims will cost more to insure than more economical and safe models. The next table presents coverage rates for a handful of the most economical vehicles to buy insurance for.

Cheapest Vehicles to Insure in Jersey City, NJ
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $5,642
Honda CR-V EX-L 2WD $5,652
Toyota Prius $6,033
Ford Edge SE 2WD $6,240
Ford F-150 XLT Regular Cab 4WD $6,291
Jeep Wrangler Sahara 4WD 2-Dr $6,298
Chevrolet Impala LS $6,579
Toyota RAV4 Limited 2WD $6,630
GMC Sierra SL Extended Cab 2WD $6,638
Chevrolet Equinox LT AWD $6,630
Dodge Grand Caravan SXT $6,681
Ford Explorer Limited 4WD $6,687
Toyota Tacoma Double Cab 4WD $6,681
Nissan Altima 2.5 S 4-Dr Sedan $6,969
Hyundai Elantra SE 4-Dr Sedan $6,976
Toyota Corolla XLE $6,969
Volkswagen Jetta 2.0T 4-Dr Sedan $7,020
Honda Odyssey Touring $7,027
Jeep Grand Cherokee Limited 2WD $7,020
Chevrolet Malibu LTZ $7,026
Honda Civic Hybrid 4-Dr Sedan $7,020
Chevrolet Silverado LT Regular Cab $7,195
Hyundai Sonata GLS 4-Dr Sedan $7,204
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Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in zip code location which can increase or decrease premium rates considerably.

Looking at the data, we can assume that cars like the Ford Escape, Honda CR-V, Toyota Prius, and Ford Edge are likely to be some of the most affordable vehicles to insure for teen girls. The price for car insurance will be more expensive just due to the fact that there is more claim risk for teenage females, but overall those models will most likely have the cheapest rates that you’ll find.

Establishing which companies offer the best auto insurance rates for teenage females involves a tad more effort in order to find the lowest price quote. Each insurer uses a little different formula for determining rates, so we’ll take a look at the auto insurance companies that tend to have lower prices in New Jersey.

It’s a good idea to be aware that Jersey City auto insurance rates are based on many factors that may substantially change the price you have to pay for coverage. Simply having another birthday, buying a home, or getting a ticket for careless driving may generate price changes resulting in some rates now being more affordable than others.

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Rankings for the cheapest New Jersey auto insurance companies
Rank Company Cost Per Year
1 21st Century $1,078
2 Travelers $1,145
3 New Jersey Manufacturers $1,310
4 Palisades $1,354
5 Penn National $1,379
6 California Casualty $1,451
7 The Hartford $1,476
8 Allstate $1,478
9 USAA $1,585
10 Mercury $1,651
11 Amica $1,832
12 Esurance $1,894
13 Progressive $1,919
14 MetLife $1,932
15 GEICO $2,196
16 State Farm $2,248
17 Encompass $2,303
18 Liberty Mutual $2,920
19 Hanover $3,869
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21st Century normally has some of the lowest car insurance rates in Jersey City at around $1,078 a year. This is $774 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National would also make the list of some of the lowest-priced Jersey City, NJ auto insurance companies.

In the above example, if you have coverage with New Jersey Manufacturers and switched to 21st Century, you might achieve a yearly price reduction of in the neighborhood of $232. Customers with Palisades may save as much as $276 a year, and Penn National customers might lower prices by $301 a year.

To get a fast rate comparison, click here to begin a quote or click through to the companies below.

Understand that those policy rates are averaged for all ages of drivers and types of vehicles and and are not figured with a specific vehicle garaging location for teenage females. So the car insurance company that can offer you the best price may not even be in the top 19 companies in the list above. That illustrates why you need to compare rates from multiple companies using your own specific driver and vehicle information.

Finding the right insurer is difficult considering how many different companies insure vehicles in Jersey City. The company rank data shown next can help you pick which auto insurers you want to consider comparing prices from.

The rankings below are for major nationwide insurance companies, so companies that may only write in New Jersey are not taken into consideration for the list. To get rate quotes and find cheaper insurance for teenage females, click here.

Top 10 Major Auto Insurance Companies in Jersey City Ranked by Customer Service

  1. Mercury Insurance
  2. The Hartford
  3. American Family
  4. Progressive
  5. GEICO
  6. USAA
  7. State Farm
  8. Travelers
  9. Farmers Insurance
  10. Allstate

The illustration below illustrates how your deductible choice can increase or decrease insurance rates when quoting cheap insurance for teenage females. Data assumes a married female driver, full physical damage coverage, and no additional discounts are factored in.

As shown above, a 50-year-old driver could reduce rates by $328 a year by changing from a $100 deductible to a $500 deductible, or save $496 by choosing a $1,000 deductible. Even younger insureds, such as the Age 20 example, could roll back prices up to $814 or even more by choosing larger deductibles on their policy.

If you make the decision to raise deductibles, it is important to have plenty of discretionary funds to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

How accidents and violations affect rates

In a perfect world, the ideal way to snag low auto insurance rates in Jersey City for teen girls is to drive attentively and maintain a clean driving record. The information below illustrates how traffic citations and fender-benders raise annual premium costs for different categories of driver ages. The premiums are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of auto insurance in Jersey City per year with a clean driving record and no accidents is $2,346. Get written up for two speeding tickets and the average cost jumps to $3,246, an increase of $900 each year. Then add one accident along with the two speeding tickets and the 12-month cost of auto insurance for teenage females goes up to an average of $4,149. That’s an increase of $1,803, or $150 per month, just for being a little careless behind the wheel!

The benefits of price comparisons

Jersey City, NJ auto insurance rates are determined by lots of factors which can substantially decrease or increase the policy price. Simply getting older, increasing deductibles, or getting a DUI may generate price changes resulting in some rates now being more affordable than before.

Not only that, but insurance companies change their prices as often as every quarter in order to be able to pay unexpected claims. A period of higher than normal claims can cause higher rates, while better underwriting may produce cheaper Jersey City car insurance rates.

The bar chart below shows rates for the cheapest car insurance in Jersey City, NJ for a 40-year-old male driver with no violations or accidents, and a decent credit rating. When comparing rates based on his current risk profile, 21st Century quotes the best car insurance rates in Jersey City at $1,451 each year. This is $401 less than the average rate paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are the remaining cheapest Jersey City, NJ auto insurance companies.

Now let’s give the driver from the first set of rates a claim surcharge, a little lower credit rating, and a traffic ticket or two. Since each insurance company has a proprietary formula for determining prices, comparing prices could now result in a new list of companies as shown below.

Allstate now has the best price on car insurance in Jersey City with The Hartford, USAA, Mercury, and Travelers now being in the top five. This example illustrates why consumers need to take the time to shop around with many companies to find the lowest car insurance rates for teenage females.

Rates can be determined by many things and can change without notice, so the lowest-price company the last time you compared rates may now be quite expensive.