Finding good, affordable insurance is not easy, and finding out which company quotes the most affordable car insurance rates for welfare recipients may require more quotes for comparison.
Every insurance provider has their own process for determining rates in each state, so to begin we’ll rank the most competitive car insurance companies in New Jersey. It’s important to know that New Jersey car insurance rates are impacted by many things that will increase or decrease the price you pay for coverage. Price variation is why it is critical to compare as many rates as possible to get the most budget-friendly insurance rates for welfare recipients. Prices can be determined by many things and can decrease or increase without notice, so the best price when you last compared rates may now cost much more than other companies.
Find the Best Cheap Insurance in New Jersey
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21st Century quotes some of the lowest car insurance rates in New Jersey at around $1,078 a year. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also make the list of some of the best New Jersey car insurance companies.
As shown above, if you are a customer of Travelers and switched to 21st Century, you might achieve a yearly savings of around $67. New Jersey drivers with New Jersey Manufacturers could save as much as $232 a year, and Penn National policyholders might lower prices by up to $247 a year.
If you want to see how much you could save, click here to get a free quote or quote rates from the companies below.
Remember that these premium estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in a rate decrease for welfare recipients. So the insurer that can offer the best rates for your situation may not even be included in the rate chart shown above. That is why you need to get quotes using your own specific driver and vehicle information.
We all like different vehicles, and the type of vehicle that needs insurance is one of the biggest factors that determines whether or not you find the best car insurance for welfare recipients. Vehicles with higher performance characteristics, a lack of safety features, or high incidents of liability claims will cost substantially more to insure than safer models. The tables below showcases insurance rates for a handful of the cheaper vehicles to insure.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LS | $1,836 | $918 | $153 |
Ford Focus SES 4-Dr Sedan | $1,904 | $952 | $159 |
Ford Fusion SEL AWD 4-Dr Sedan | $2,144 | $1,072 | $179 |
Honda Accord EX-L 4-Dr Sedan | $1,706 | $853 | $142 |
Hyundai Elantra GLS Touring Station Wagon | $1,552 | $776 | $129 |
Kia Optima SX | $2,108 | $1,054 | $176 |
Nissan Altima 3.5 SR 4-Dr Sedan | $1,990 | $995 | $166 |
Volkswagen Jetta S 2.5 Station Wagon | $1,706 | $853 | $142 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Estimates do not factor in garaging location in New Jersey which can increase or decrease insurance rates noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura MDX with Tech Package 4WD | $2,034 | $1,017 | $170 |
Acura RDX 2WD | $1,706 | $853 | $142 |
Cadillac Escalade Hybrid Platinum 2WD | $2,722 | $1,361 | $227 |
Chevrolet Traverse LTZ 2WD | $1,748 | $874 | $146 |
Ford Escape Limited 4WD | $1,706 | $853 | $142 |
Ford Explorer Limited AWD | $1,878 | $939 | $157 |
GMC Acadia SLT AWD | $1,878 | $939 | $157 |
Honda CR-V EX 4WD | $1,596 | $798 | $133 |
Honda Fit | $1,494 | $747 | $125 |
Honda Pilot Touring 2WD | $1,878 | $939 | $157 |
Jeep Grand Cherokee Limited 4WD | $1,990 | $995 | $166 |
Nissan Pathfinder SE 2WD | $1,726 | $863 | $144 |
Subaru Forester X Premium AWD | $1,748 | $874 | $146 |
Toyota Highlander 2WD | $1,726 | $863 | $144 |
Toyota RAV4 Limited 4WD | $1,836 | $918 | $153 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in garaging location in New Jersey which can influence price quotes substantially.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT Crew Cab 4WD | $1,706 | $853 | $142 |
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $2,144 | $1,072 | $179 |
Chevrolet Silverado LTZ Crew Cab 2WD | $2,108 | $1,054 | $176 |
Dodge Ram 3500 Crew Cab SLT 2WD | $2,186 | $1,093 | $182 |
Dodge Ram Crew Cab Sport 4WD | $2,152 | $1,076 | $179 |
Ford F-150 XLT Super Cab 2WD | $1,726 | $863 | $144 |
GMC Sierra 2500HD SLT Extended Cab 2WD | $2,218 | $1,109 | $185 |
GMC Sierra SL Crew Cab 4WD | $1,990 | $995 | $166 |
Toyota Tacoma Double Cab 4WD | $1,836 | $918 | $153 |
Toyota Tundra SR/5 Crew Max 4WD | $2,152 | $1,076 | $179 |
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific location which can influence insurance rates considerably.
When buying auto insurance for drivers on welfare, one of the key criteria that control the price you pay for insurance is your zip code in New Jersey. More densely populated places like Newark, Paterson, and Union City will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.
The information below displays the highest-priced places in New Jersey for welfare recipients to buy car insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Newark | $2,572 |
2 | East Orange | $2,571 |
3 | Paterson | $2,448 |
4 | West New York | $2,431 |
5 | Union City | $2,378 |
6 | Elizabeth | $2,374 |
7 | Passaic | $2,371 |
8 | Jersey City | $2,345 |
9 | Clifton | $2,345 |
10 | Kearny | $2,335 |
11 | Hoboken | $2,283 |
12 | Camden | $2,199 |
13 | Bayonne | $2,184 |
14 | Perth Amboy | $2,144 |
15 | Fort Lee | $2,144 |
16 | Linden | $2,099 |
17 | Atlantic City | $2,086 |
18 | Plainfield | $1,976 |
19 | Trenton | $1,954 |
20 | Hackensack | $1,940 |
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Rates are estimated as specific location information can increase or decrease insurance rates noticeably.
Ending up with the top car insurance provider can be difficult considering how many companies there are to choose from in New Jersey. The ranking data displayed below could help you decide which providers to look at when shopping around.
These ratings are for companies that write coverage in many states, so smaller companies are not factored into the list. If you’d like to compare prices from the most competitive companies in New Jersey, follow this link.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
USAA | 71 | 93 | 98 | 87% | A++ | 88 |
GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
American Family | 77 | 96 | 80 | 85% | A | 83.8 |
Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies