How Much is Insurance for 4×4 Vehicles in New Jersey?

The vehicle you are insuring is probably the largest consideration when trying to find cheaper coverage for 4×4 vehicles. Vehicles with high performance, poor safety ratings, or an increased likelihood of liability claims will cost substantially more to insure than safer models. The next lists estimates coverage prices for a handful of the most economical vehicles to insure in New Jersey.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium amounts do not factor in specific garaging location which can influence rates noticeably.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in your specific New Jersey location which can lower or raise premium rates substantially.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in your specific New Jersey location which can impact premium rates greatly.

Figuring out which company offers the most affordable insurance rates for 4×4 vehicles involves a little more work in order to find the best policy.

Every insurance provider uses a slightly different approach for determining prices, so to begin we’ll rank the insurance companies that tend to have lower prices in New Jersey. It’s important that you understand New Jersey insurance rates are based on many factors that will increase or decrease the policy premium. Simply improving your credit, buying a different vehicle, or having an at-fault accident can trigger price changes that can cause some rates to be more affordable than competitors.

Best Auto Insurance Prices for 4×4’s

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21st Century has some of the best car insurance rates in New Jersey at around $1,067 per year. Travelers, New Jersey Manufacturers, Penn National, and Palisades also rank well as some of the lowest-priced New Jersey car insurance companies.

In the above example, if you are a policyholder with Penn National and switched to 21st Century, you might see an annual savings of in the vicinity of $258. New Jersey drivers with Palisades could save as much as $287 a year, and California Casualty policyholders might realize rate reductions of up to $428 a year.

To compare your rates to other New Jersey insurance companies, click here to start a quote or visit any of the low-priced companies below.

Bear in mind that those policy rates are averages for all drivers and vehicles and do not factor in a rate discount for 4×4 vehicles. So the car insurance company that is best suited for you may not even be included in the above rate chart. That helps illustrate why you need to get quotes using your own driver and vehicle profiles.

When shopping for the cheapest car insurance for off-road vehicles, one of the many things that play a part in determining insurance cost is where you choose to live in New Jersey. Areas with more people like East Orange, West New York, and Elizabeth are more likely to pay higher prices, whereas areas with less congestion enjoy lower car insurance rates.

The next table rates the highest-priced places in New Jersey for 4×4 vehicles to buy an auto insurance policy in.

Prices are estimated as the specific zip code location can alter price quotes noticeably.

Finding the top auto insurance company can be challenging considering how many companies provide coverage in New Jersey. The ranking information listed below could help you decide which providers you want to consider comparing rate quotes with. These ratings include large, nationwide insurance companies, so companies that have a smaller presence are not factored into the list.

Top 10 Large Car 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 Car Insurance Companies in New Jersey Ranked by Customer Service

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

The chart below illustrates how your choice of deductibles can affect insurance costs when getting quotes for cheap insurance for 4×4 vehicles. The prices are based on a married female driver, full physical damage coverage, and no discounts are factored in.

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The data above shows that a 30-year-old driver could pocket $382 a year by switching from a $100 deductible to a $500 deductible, or save $576 by choosing a $1,000 deductible. Younger drivers, such as the Age 20 example, have the ability to save $814 every year by choosing a larger deductible amount.

When choosing a higher deductible, it will be necessary to have additional funds in a savings account to be able to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Progressive, State Farm, Allstate, and Geico: Who is best?

When shopping for auto insurance for off-road vehicles in New Jersey, probably the best companies to start with are Progressive, State Farm, Allstate, and Geico. Combined they have almost half of all policies written. The data below ranks price, claims, and customer service ratings, as well as some optional coverages that policyholders can buy.