Comparing quotes for budget car insurance is not easy, and figuring out which insurers offer the cheapest auto insurance rates for 20 year old women calls for even more diligence. Every insurance company has a different process to establish rates, so first let’s look at the rankings for the lowest cost auto insurance companies in Jersey City, NJ.
It’s important that you understand Jersey City auto insurance rates are determined by lots of factors which can significantly increase or decrease the price of coverage. Simply improving your credit score, buying a different vehicle, or getting a driving violation can produce rate changes that may make certain companies more affordable than before.
Cheapest Insurance Rates for Women Age 20
21st Century offers some of the most affordable car insurance rates in Jersey City at around $1,067 annually. This is $785 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades also qualify as some of the most economical Jersey City, NJ auto insurance companies.
As the example above demonstrates, if you buy coverage from Penn National and switched to Travelers, you might achieve yearly savings of in the neighborhood of $147. Policyholders with Palisades could save as much as $150 a year, and California Casualty policyholders might lower prices by $304 a year.
To see if your current coverage is too expensive, click here to start your custom quote or visit several of the following companies.
These premiums are averages across all drivers and vehicles and and are not calculated with a specific zip code for 20 year old women. So the car insurance company that can offer you the best price may not even be in the top 19 companies in the list above. That is why you need to get rate quotes using your own specific driver information and vehicle.
One of the many things that are looked at to determine the annual cost of car insurance is where you choose to live in Jersey City. Areas with more people or more claims tend to have higher rates, whereas more rural areas have the benefit of cheaper auto insurance prices.
The following table shows the most expensive cities in New Jersey for 20 year old women in which to buy car insurance. Jersey City makes the list at #11 with the annual price of $2,253 for the average policyholder, which is around $188 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | East Orange | $2,597 |
| 2 | Newark | $2,572 |
| 3 | West New York | $2,506 |
| 4 | Paterson | $2,400 |
| 5 | Elizabeth | $2,398 |
| 6 | Union City | $2,378 |
| 7 | Hoboken | $2,377 |
| 8 | Clifton | $2,345 |
| 9 | Kearny | $2,335 |
| 10 | Passaic | $2,325 |
| 11 | Jersey City | $2,253 |
| 12 | Bayonne | $2,207 |
| 13 | Linden | $2,163 |
| 14 | Camden | $2,155 |
| 15 | Fort Lee | $2,144 |
| 16 | Perth Amboy | $2,081 |
| 17 | Atlantic City | $2,024 |
| 18 | Plainfield | $1,956 |
| 19 | Hackensack | $1,940 |
| 20 | New Brunswick | $1,932 |
| 21 | Trenton | $1,916 |
| 22 | Lakewood | $1,874 |
| 23 | Sayreville | $1,863 |
| 24 | Vineland | $1,788 |
| 25 | Toms River | $1,691 |
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Price information shown is approximated as the specific Jersey City residence address can revise coverage rates greatly.
New Jersey auto insurance companies
Choosing the highest-rated car insurance company is hard considering how many companies are available to choose from in New Jersey. The ranking information shown below could help you analyze which auto insurance companies to look at when trying to find the cheapest insurance for 20 year old women. These rankings are for companies that insure vehicles nationwide, so companies that focus mainly on New Jersey business are not included in these rankings.
Top 10 Large Car Insurance Companies in Jersey City Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- Progressive
- GEICO
- USAA
- State Farm
- Travelers
- Farmers Insurance
- Allstate
Reckless driving habits raise Jersey City auto insurance rates
A great way to obtain low auto insurance premiums in Jersey City for young women is to drive safe and avoid traffic citations and accidents. The example below illustrates how violations and accidents increase auto insurance costs for different insured age categories. The costs are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of car insurance in Jersey City per year with a clean driving record and no accidents is $2,257. Receive one speeding ticket and the average cost rises to $2,545, an increase of $289 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance for 20 year old women jumps again to an average of $3,344. That’s an increase of $1,088, or $91 per month, just for being a little careless behind the wheel!
How to find budget-friendly auto insurance for 20 year old women
Here are a few penny-pinching solutions that can help New Jersey drivers locate cheaper auto insurance.
- Claim-free drivers earn discounts
- Buy your auto and home insurance from the same company and save
- The safer your car, the less it costs to insure
- Higher comprehensive and collision coverage deductibles will save money
- Pay lower rates with good credit
- Save money by insuring older vehicles for liability only
- Compare rates once a year for cheaper prices
That last piece of advice is highly important, as we emphasized in this write-up. Auto insurance rates can change significantly in a year, so drivers shouldn’t hesitate to buy a policy from a new company if a lower-cost policy is available.
Brand loyalty is great, but it’s not recommended if that loyalty ends up costing money that could be used for better things. If you have a few minutes, shop around to find cheaper auto insurance for 20 year old women in Jersey City.
The professional agents shown below can help you make a decision which auto insurance policy would work best for you, as lots of drivers aren’t clear which coverage they need and would like to get some guidance when trying to find the best insurance rates for 20 year old women. It’s not always easy to find the best coverage on your own, and getting advice from a licensed New Jersey insurance agent can provide you comfort knowing your policy gives you sufficient coverage for your assets. To find an agent close to where you live, click the button below the list.
MHM Insurance
243 Central Ave # 1 – Jersey City, NJ 07307 – (201) 721-6081
Alberto Santana – State Farm Insurance Agent
1755 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 332-3344
Express Insurance
775 Newark Ave – Jersey City, NJ 07306 – (201) 217-1780