Cheap Auto Insurance for Drivers with Accidents in New Jersey

Cheap Auto Insurance for Drivers with Accidents in New Jersey

Wouldn’t this article be short if we could tell you the one best car insurance company that has the best insurance prices for drivers with accidents? Regrettably, it’s not quite that easy, as there are a whole bunch of unknown elements like what your desired deductibles are, whether or not you own a home, and the type of vehicle you drive. The information below covers the best ways to avoid high prices and should give you a solid foundation to find cheaper car insurance.

For drivers with at-fault accidents, one of the more important factors that is used to help calculate rate quotes is where you call home in New Jersey. Areas with more people or more claims like Newark, East Orange, and Elizabeth tend to pay higher rates, whereas areas that are not as densely populated have the benefit of cheaper auto insurance prices.

The table below lists the highest-priced areas in New Jersey for drivers with accidents to purchase a policy in.

How much does car insurance cost in New Jersey?
Rank City Annual Rate
1 Newark $2,572
2 West New York $2,531
3 East Orange $2,521
4 Paterson $2,472
5 Elizabeth $2,398
6 Hoboken $2,377
7 Passaic $2,371
8 Clifton $2,368
9 Kearny $2,358
10 Union City $2,354
11 Jersey City $2,322
12 Bayonne $2,251
13 Camden $2,199
14 Linden $2,121
15 Perth Amboy $2,102
16 Atlantic City $2,086
17 Fort Lee $2,060
18 Hackensack $1,980
19 Plainfield $1,976
20 Trenton $1,974
21 Sayreville $1,882
22 New Brunswick $1,856
23 Vineland $1,842
24 Lakewood $1,800
25 Toms River $1,674
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Prices are estimated as the vehicle garaging location can modify rates considerably.

Comparing rates for reasonably-priced car insurance is easier said than done, and deciding which companies quote the lowest-priced car insurance rates for drivers with accidents involves additional perseverance. Insurance prices will be moderately greater than the average rate in New Jersey because of the potential for more claims that goes along with offering insurance for drivers with at-fault accidents, but reasonable insurance should be possible if you shop around.

Every insurance provider has their own guidelines to set policy rates, so first let’s look at the rankings for the car insurance companies that tend to be cheaper in New Jersey.

Best Auto Insurance Prices for Accident Prone Drivers

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What’s the cheapest car insurance in New Jersey?
Rank Company Cost Per Year
1 21st Century $1,111
2 Travelers $1,145
3 New Jersey Manufacturers $1,297
4 Palisades $1,341
5 Penn National $1,379
6 The Hartford $1,476
7 California Casualty $1,495
8 Allstate $1,538
9 USAA $1,553
10 Mercury $1,651
11 Amica $1,887
12 Esurance $1,894
13 MetLife $1,932
14 Progressive $1,938
15 GEICO $2,240
16 State Farm $2,248
17 Encompass $2,397
18 Liberty Mutual $2,890
19 Hanover $4,027
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21st Century generally has some of the best car insurance rates in New Jersey at around $1,111 a year. Travelers, New Jersey Manufacturers, Palisades, and Penn National also are some of the most economical New Jersey car insurance companies.

As shown in the table above, if you are a customer of Penn National and switched to Travelers, you may realize savings of approxmiately $234. Customers with The Hartford may save as much as $331 a year, and California Casualty customers might reduce prices by as much as $350 a year.

To find cheap auto insurance for drivers with accidents in New Jersey for your vehicle, click here to start your free quote or quote prices from the following companies.

These rates are averages for all drivers and vehicles and and are not calculated with a price surcharge for drivers with accidents. So the insurer that fits you best may not even be included in the list above. That emphasizes why you need to get rate quotes from many companies using your own driver data and vehicle information.

Impact of careless driving on car insurance rates

The easiest way to earn low car insurance prices for drivers with at-fault accidents is to pay attention while driving and avoid accidents and traffic violations. The information below shows how traffic citations and at-fault claims increase insurance prices for different ages of insureds. The data assumes a married male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 4455,4841,8337],[‘Age 30’, 2293,2681,6175],[‘Age 40’, 2223,2609,6103],[‘Age 50’, 2039,2427,5921],[‘Age 60’, 2005,2391,5883],[‘Age 70’, 2343,2733,6227]]);var options = {title: ‘Effect of Tickets and Claims on New Jersey Auto Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in New Jersey’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of an auto insurance policy in New Jersey per year with a clean driving record and no accidents is $2,560. Get written up for one speeding ticket and the average cost increases to $2,947, an increase of $387 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of car insurance for drivers with accidents increases to an average of $6,441. That’s an increase of $3,881, or $323 per month, just for not driving carefully!