Best Cheap Auto Insurance Quotes for Active Military in New Jersey

Best Cheap Auto Insurance Quotes for Active Military in New Jersey

Anytime the topic is car insurance, the word cheap should not be used as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap auto insurance for active military does not exist. But don’t despair, because we will tell you how you can get car insurance that is easier on your budget.

Trying to find affordable insurance is not always easy, and determining which companies offer the best auto insurance rates for active military will take additional perseverance. Insurance prices will more than likely be moderately cheaper than the average rate in New Jersey due to the potentially lower risk related to offering coverage for military personnel. Cheap insurance should be easily found from a lot of different insurance providers.
Each auto insurance company uses a little different formula to set policy rates, so let’s begin by taking a look at the auto insurance companies with the most affordable rates in New Jersey.

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Cheapest insurance companies in New Jersey
Rank Company Cost Per Year
1 21st Century $1,100
2 Travelers $1,156
3 New Jersey Manufacturers $1,271
4 Palisades $1,354
5 Penn National $1,379
6 California Casualty $1,495
7 The Hartford $1,521
8 Allstate $1,523
9 Mercury $1,587
10 USAA $1,600
11 Amica $1,869
12 Progressive $1,881
13 Esurance $1,913
14 MetLife $1,991
15 State Farm $2,160
16 GEICO $2,196
17 Encompass $2,397
18 Liberty Mutual $2,978
19 Hanover $3,909
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21st Century generally has some of the most affordable car insurance rates in New Jersey at around $1,100 annually. Travelers, New Jersey Manufacturers, Palisades, and Penn National would also be considered some of the lowest-priced New Jersey car insurance companies.

In the above rates, if you buy coverage from Palisades and switched to 21st Century, you may realize an annual premium reduction of roughly $254. Insureds with Penn National may save as much as $279 a year, and California Casualty insureds might realize rate reductions of up to $395 a year.

To find the best cheap car insurance for active military in New Jersey for your vehicle, click here to get a free quote or quote prices from the following companies.

Remember that these rates are averaged across all insureds and vehicles and do not factor in a rate discount for active military. So the auto insurance company that can offer you the best price may not even be in the list of companies shown earlier. That affirms the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.

The make and model of vehicle needing coverage is a large consideration when shopping for the best cheap car insurance for active military in New Jersey. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.

The lists below illustrates coverage prices for some of the most cost-effective automobiles to insure in New Jersey.

Insurance Rates for Popular Cars in New Jersey
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus SES 4-Dr Sedan $1,312 $656 $109
Ford Fusion S 4-Dr Sedan $1,270 $635 $106
Honda Accord EX-L 4-Dr Sedan $1,166 $583 $97
Hyundai Elantra GLS Touring Station Wagon $1,072 $536 $89
Hyundai Sonata GLS 4-Dr Sedan $1,358 $679 $113
Kia Optima EX $1,450 $725 $121
Nissan Altima 3.5 SR 2-Dr Coupe $1,520 $760 $127
Toyota Camry LE $1,270 $635 $106
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in your specific New Jersey location which can raise or lower auto insurance rates greatly.

Insurance Rates for Popular SUVs and Crossovers in New Jersey
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 M AWD $1,670 $835 $139
Buick Enclave CX AWD $1,362 $681 $114
Cadillac Escalade Hybrid Platinum 4WD $1,828 $914 $152
Chevrolet Traverse LT AWD $1,190 $595 $99
Ford Escape Limited 2WD $1,098 $549 $92
Ford Explorer XLT 4WD $1,202 $601 $100
GMC Acadia SLT 2WD $1,270 $635 $106
GMC Terrain SLE 2WD $1,166 $583 $97
Honda CR-V EX-L 2WD $1,098 $549 $92
Honda Pilot EX-L 4WD $1,294 $647 $108
Hyundai Tucson Limited 4WD $1,270 $635 $106
Jeep Grand Cherokee Limited 4WD $1,362 $681 $114
Nissan Pathfinder S 4WD $1,202 $601 $100
Toyota Highlander Sport 4WD $1,294 $647 $108
Toyota RAV4 Sport 2WD $1,270 $635 $106
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific New Jersey garaging location which can lower or raise price quotes considerably.

Auto Insurance Rates for Popular Pickup Trucks in New Jersey
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LS Extended Cab 4WD $1,270 $635 $106
Dodge Ram 2500 Mega Cab Laramie 2WD $1,614 $807 $135
Dodge Ram Quad Cab SLT 2WD $1,382 $691 $115
Ford F-150 SVT Raptor Super Cab 4WD $1,294 $647 $108
Ford F-350 Super Cab Lariat 4WD $1,798 $899 $150
GMC Canyon SLE Crew Cab 4WD $1,294 $647 $108
GMC Sierra 3500HD SLE Extended Cab 4WD $1,628 $814 $136
GMC Sierra Denali Crew Cab 4WD $1,458 $729 $122
Toyota Tacoma Double Cab 4WD $1,294 $647 $108
Toyota Tundra SR/5 Crew Max 4WD $1,476 $738 $123
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can impact rates greatly.

How to find a good New Jersey auto insurance company

Buying coverage from a high-quality car insurance provider is hard considering how many companies provide coverage in New Jersey. The rank data shown next may help you select which auto insurance companies to look at when insurance shopping for active military. The ratings below are for the largest companies in the United States, so companies that may only write in New Jersey will not be included in this list.

Top 10 Large Auto Insurance Companies in New Jersey Ranked by A.M. Best Rating

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

Top 10 Large Auto Insurance Companies in New Jersey Ranked by Customer Satisfaction

  1. The Hartford – 93%
  2. Progressive – 90%
  3. 21st Century – 89%
  4. Mercury Insurance – 87%
  5. Travelers – 87%
  6. State Farm – 87%
  7. USAA – 87%
  8. Safeco Insurance – 86%
  9. AAA Insurance – 86%
  10. GEICO – 85%

Find the best cheap car insurance for active military in New Jersey

Here are some thrifty ideas that can help you buy low-cost auto insurance.

  • Increase physical damage deductibles
  • Good credit can help you save money
  • Safe vehicles cost less to insure
  • Being accident-free can lower rates significantly
  • Remove physical damage coverage on older vehicles
  • Save money by obeying traffic laws and keeping a clean driving record
  • Shop around for cheaper prices

That final tip is incredibly valuable, as was emphasized in this write-up. Coverage rates in New Jersey can be adjusted at any time, so don’t be unwilling to switch companies if a more affordable rate is found. Staying with the same car insurance company is fine, but we do not recommend it if it’s costing you several hundred dollars every year. Now is a great time to compare rates to find cheaper car insurance for active military.