Finding out which company offers the lowest-priced auto insurance rates for drivers with a bad driving record will require more work in order to find the most economical policy. Each insurance company has a different formula for setting prices, so let’s examine the auto insurance companies with the overall best prices in Jersey City.
It’s important that you understand New Jersey auto insurance rates are determined by lots of factors which can substantially change the cost of coverage. Improving your credit score, buying another vehicle, or getting caught speeding can cause premium changes resulting in some companies being cheaper than before.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | 21st Century | $1,067 |
| 2 | Travelers | $1,145 |
| 3 | New Jersey Manufacturers | $1,297 |
| 4 | Penn National | $1,325 |
| 5 | Palisades | $1,382 |
| 6 | The Hartford | $1,491 |
| 7 | California Casualty | $1,495 |
| 8 | Allstate | $1,523 |
| 9 | USAA | $1,600 |
| 10 | Mercury | $1,635 |
| 11 | Amica | $1,813 |
| 12 | Esurance | $1,894 |
| 13 | Progressive | $1,919 |
| 14 | MetLife | $2,010 |
| 15 | GEICO | $2,196 |
| 16 | State Farm | $2,248 |
| 17 | Encompass | $2,303 |
| 18 | Liberty Mutual | $2,978 |
| 19 | Hanover | $3,909 |
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21st Century offers some of the cheapest car insurance rates in Jersey City at around $1,067 each year. Travelers, New Jersey Manufacturers, Penn National, and Palisades also are some of the cheaper Jersey City, NJ insurance companies.
In the rate table above, if you currently have a policy with Penn National and switched to 21st Century, you might see an annual savings of in the vicinity of $258. Drivers with Palisades could save as much as $315 a year, and The Hartford policyholders might lower prices by up to $424 a year.
Understand that those policy prices are averages across all insureds and vehicles and do not take into consideration an exact vehicle garaging location for drivers with a bad driving record. So the insurer that has the cheapest price for you may not even be in the list above. That’s why you need to compare rates from multiple companies using your own driver and vehicle profiles.
The vehicle model that needs insurance is one of the main factors when shopping around for the best cheap insurance for drivers with a bad driving record. Vehicles with lots of speed or power, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than more economical and safe models. The list below outlines insurance costs for a selection of the most budget-friendly vehicles to insure in New Jersey.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $5,431 |
| Honda CR-V EX-L 4WD | $5,686 |
| Honda Accord LX-P 4-Dr Sedan | $5,755 |
| Toyota Prius | $5,777 |
| Hyundai Elantra SE Touring Station Wagon | $5,988 |
| Volkswagen Jetta S 2.5 Station Wagon | $6,141 |
| Ford F-150 STX Regular Cab 4WD | $6,357 |
| Dodge Grand Caravan Hero | $6,362 |
| Ford Explorer XLT AWD | $6,504 |
| Ford Focus SEL 4-Dr Sedan | $6,582 |
| Toyota RAV4 Limited 4WD | $6,659 |
| GMC Sierra SLE Crew Cab 2WD | $6,669 |
| Jeep Grand Cherokee Laredo 2WD | $6,659 |
| Nissan Altima Hybrid 4-Dr Sedan | $6,704 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $6,714 |
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Data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Estimates do not factor in specific Jersey City, NJ garaging location which can revise coverage prices noticeably.
By looking at the data, we can presume that vehicles like the Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius are going to be the most affordable vehicles to insure for bad drivers. The price of auto insurance will tend to be more expensive anyway because there is a higher risk for drivers with a bad driving record, but in general those particular models will most likely have the lowest prices that you are likely to find.
For bad drivers, one of the more important things that aid in calculating auto insurance rates is where you keep your vehicle in Jersey City. Areas with more people or more claims tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.
The following table sorts the most expensive areas in New Jersey for drivers with a bad driving record to purchase a policy in. Jersey City makes the list at #11 with the annual price of $2,276 for coverage, which is about $190 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | East Orange | $2,597 |
| 2 | Newark | $2,572 |
| 3 | West New York | $2,531 |
| 4 | Paterson | $2,472 |
| 5 | Elizabeth | $2,374 |
| 6 | Union City | $2,354 |
| 7 | Kearny | $2,335 |
| 8 | Passaic | $2,325 |
| 9 | Hoboken | $2,307 |
| 10 | Clifton | $2,299 |
| 11 | Jersey City | $2,276 |
| 12 | Linden | $2,185 |
| 13 | Bayonne | $2,184 |
| 14 | Camden | $2,133 |
| 15 | Fort Lee | $2,123 |
| 16 | Perth Amboy | $2,081 |
| 17 | Atlantic City | $2,024 |
| 18 | Hackensack | $1,940 |
| 19 | Sayreville | $1,920 |
| 20 | Plainfield | $1,918 |
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Rate information is comparative as the specific zip code location can revise auto insurance rates greatly.
The chart below illustrates how choosing a deductible can impact insurance premiums when trying to find cheap insurance for drivers with a bad driving record. The data is based on a married male driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 40-year-old driver could reduce rates by $336 a year by switching from a $100 deductible up to a $500 deductible, or save $508 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, can cut as much as $1,114 or more by choosing larger deductibles on their policy.
If you do raise deductibles, it is necessary to have plenty of discretionary funds to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Tickets and at-fault accidents raise rates
The common sense way to get the most affordable auto insurance premiums in Jersey City for bad drivers is to drive safe and avoid accidents and keep your driving record clean. The information below shows how speeding tickets and at-fault fender-benders influence car insurance costs for each different age category. The prices are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of an auto insurance policy in Jersey City per year with no violations or accidents is $2,745. Receive one speeding ticket and the average cost surges to $3,092, an increase of $346 each year. Then include two accidents along with the one speeding ticket and the annual cost of auto insurance for drivers with a bad driving record goes up to an average of $6,008. That’s an increase of $3,262, or $272 per month, just for not being attentive to the road!
How to find budget-friendly car insurance for drivers with a bad driving record
It is possible to find better rates, and here are some of the recommended penny-pinching suggestions that can help you quote lower-cost car insurance.
- Drop full coverage on older vehicles
- Accident-free drivers may qualify for discounts
- Buy a car with high safety ratings
- Raise physical damage deductibles
- Do not get traffic violations
- Increase your credit rating
- Shop around for cheaper prices often
The last item on the list is especially critical, as we stressed in the prior information. Insurance prices vary considerably, so don’t be hesitant to buy from a different company if you can save money. Being loyal to a particular company is commendable, but is isn’t recommended if that stubbornness costs you a considerable chunk of change every month. Now is a great time to shop around and find cheaper car insurance for drivers with a bad driving record in Jersey City.