Cheap Car Insurance Quotes for Inexperienced Drivers in New Jersey

Cheap Car Insurance Quotes for Inexperienced Drivers in New Jersey

We all like different vehicles, and the type of vehicle needing coverage is one of the largest considerations when looking for the cheapest coverage for inexperienced drivers. Vehicles with lots of speed or power, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than safer models.

The next tables outlines coverage premiums for the most economical vehicles to insure.

Auto Insurance Rates for Popular Cars in New Jersey
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LTZ $1,414 $707 $118
Ford Focus SES 4-Dr Sedan $1,364 $682 $114
Ford Fusion SE 4-Dr Sedan $1,414 $707 $118
Honda Civic EX 4-Dr Sedan $1,364 $682 $114
Hyundai Sonata SE 4-Dr Sedan $1,486 $743 $124
Nissan Altima 2.5 S 4-Dr Sedan $1,390 $695 $116
Toyota Camry LE $1,322 $661 $110
Toyota Corolla LE $1,390 $695 $116
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in specific New Jersey garaging location which can influence auto insurance rates considerably.

Insurance Rates for Popular SUVs and Crossovers in New Jersey
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 3.5D AWD $1,536 $768 $128
Chevrolet Traverse LS AWD $1,168 $584 $97
Ford Escape XLT 4WD $1,144 $572 $95
Ford Explorer Eddie Bauer AWD $1,346 $673 $112
GMC Acadia SLT 2WD $1,322 $661 $110
GMC Terrain SLE 2WD $1,212 $606 $101
Honda CR-V EX-L 2WD $1,144 $572 $95
Honda Pilot EX 4WD $1,278 $639 $107
Hyundai Tucson GLS 2WD $1,228 $614 $102
Jeep Grand Cherokee SRT-8 4WD $1,414 $707 $118
Nissan Pathfinder S 2WD $1,228 $614 $102
Toyota 4Runner Limited 2WD $1,330 $665 $111
Toyota Highlander Hybrid 4WD $1,440 $720 $120
Toyota RAV4 Sport 2WD $1,322 $661 $110
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in specific garaging location which can change coverage rates noticeably.

Insurance Rates for Popular Pickup Trucks in New Jersey
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,414 $707 $118
Chevrolet Silverado LT Crew Cab 4WD $1,414 $707 $118
Dodge Ram 2500 Crew Cab Laramie 2WD $1,580 $790 $132
Dodge Ram Quad Cab ST 4WD $1,442 $721 $120
Ford F-150 Lariat Crew Cab Platinum 2WD $1,414 $707 $118
Ford F-250 XL Crew Cab Turbo Diesel 2WD $1,606 $803 $134
Ford F-350 Super Cab Lariat Turbo Diesel 2WD $1,536 $768 $128
GMC Sierra SLE Regular Cab 2WD $1,322 $661 $110
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,346 $673 $112
Toyota Tundra SR/5 Crew Max 4WD $1,536 $768 $128
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price information does not factor in specific location information which can increase or decrease premiums substantially.

For new drivers, one of the largest criteria used to calculate the amount you pay for auto insurance is where your car is garaged. More densely populated places like East Orange, West New York, and Elizabeth tend to have higher rates, whereas areas with lower crime rates and fewer weather claims enjoy lower insurance rates.

The table below lists the most costly cities in New Jersey for inexperienced drivers to purchase a policy in.

Where does New Jersey rank for car insurance cost?
Rank City Premium Per Year
1 East Orange $2,571
2 Newark $2,496
3 West New York $2,456
4 Union City $2,450
5 Elizabeth $2,446
6 Paterson $2,376
7 Kearny $2,335
8 Hoboken $2,307
9 Passaic $2,301
10 Clifton $2,299
11 Jersey City $2,276
12 Bayonne $2,251
13 Camden $2,155
14 Perth Amboy $2,144
15 Fort Lee $2,123
16 Atlantic City $2,106
17 Linden $2,099
18 Hackensack $1,980
19 Plainfield $1,976
20 Sayreville $1,920
21 New Brunswick $1,913
22 Trenton $1,896
23 Vineland $1,842
24 Lakewood $1,800
25 Toms River $1,742
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Price information shown is estimated as specific New Jersey zip code can change auto insurance rates noticeably.

How accidents and violations affect rates in New Jersey

The best way to get cheap car insurance for inexperienced drivers in New Jersey is to be a careful driver and not receive tickets or have accidents. The diagram below shows how violations and accidents drive up premium costs for different age categories. The premium estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

In the example above, the average cost of an auto insurance policy in New Jersey per year with no accidents or violations is $1,920. Factor in two speeding tickets and the average cost jumps to $2,557, an increase of $637 each year. Now get one accident along with the two speeding tickets and the 12-month cost of insurance for inexperienced drivers jumps again to an average of $3,203. That’s an increase of $1,284, or $107 per month, just for not keeping your driving record clean!

How to get discounts on New Jersey insurance

Discounts on insurance for inexperienced driversInsurance providers that sell cheap car insurance for inexperienced drivers in New Jersey may also offer rate discounts that could lower prices by 25% or more if you meet the requirements. A few of the larger companies and some of the premium reductions they offer are outlined below.

Auto Insurance Discounts Available
Discount Geico State Farm Progressive Allstate Nationwide Farmers Liberty Mutual
Multiple policies Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes No Yes No No Yes
Passive restraint Yes Yes No Yes Yes Yes Yes
Daytime running lights Yes Yes No No No Yes No
New car No Yes No Yes Yes Yes No
Safe driver Yes Yes Yes Yes Yes Yes No
Defensive driving course Yes Yes Yes Yes Yes Yes No
Active duty military Yes Yes Yes No No Yes No
Professional affiliation Yes No No No Yes Yes Yes
Full payment Yes No Yes Yes Yes Yes Yes
Auto-pay Yes No Yes Yes Yes Yes Yes
Customer loyalty No Yes Yes No Yes Yes No
Smart student Yes Yes Yes Yes Yes Yes Yes
Student at college No Yes Yes Yes Yes Yes Yes
Own a home No No Yes No No Yes No
Seat belt use Yes No No No No No No
Quote online No No Yes No No No No
Teen driver No No Yes No No No Yes
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The diagram below visualizes the comparison of insurance prices with and without discounts applied to the premium. The premium estimates are based on a female driver, no violations or claims, New Jersey state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, marriage, multiple vehicle, passive restraint, anti-theft, and claim-free discounts applied. When discounts are applied, the average amount saved each year on insurance for inexperienced drivers is % or $.