Finding reliable, reasonably-priced car insurance is not the easiest thing to accomplish, and determining which companies have the cheapest car insurance rates for hybrid vehicles requires a little more work. Each insurance company uses different criteria for setting prices, so to begin we’ll rank the overall cheapest car insurance companies in New Jersey.
It’s important that you understand Jersey City car insurance rates are based on many factors that may substantially change the cost of having a policy. That is why it is critical to compare lots of rates when trying to find the most affordable car insurance quotes for hybrid vehicles. Rates can be determined by many things and change substantially, so the best price the last time you checked may now not even be in the top five.
Cheap Insurance Rates for Hybrids
21st Century generally has some of the best car insurance rates in Jersey City at around $1,067 each year. This is $785 less than the average price paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National also rank well as some of the most economical Jersey City, NJ insurance companies.
As the example above demonstrates, if you are a customer of Palisades and switched to Travelers, you could realize savings of approximately $174. Insureds with Penn National might save as much as $199 a year, and California Casualty policyholders might lower prices by $315 a year.
To discover how much you can save, click here to start a quote or visit several of the following companies.
Be aware that those policy prices are averages across all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location for hybrid vehicles. So the company that has the cheapest price for you may not even be in the top 19 companies in the list above. That point stresses why you need to compare rates from multiple companies using your own driver data and vehicle information.
The make and model of vehicle needing coverage is a large consideration when quoting the lowest-priced auto insurance for hybrid vehicles. Vehicles with lots of horsepower, poor passenger safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models.
The information below showcases auto insurance premiums for a handful of the cheaper vehicles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $1,516 |
| Hyundai Elantra GLS Touring Station Wagon | $1,629 |
| Honda CR-V LX 4WD | $1,635 |
| Toyota Prius | $1,645 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,755 |
| Jeep Grand Cherokee Laredo 4WD | $1,758 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,767 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,810 |
| Chevrolet Impala LTZ | $1,851 |
| Honda Odyssey EX-L | $1,857 |
| Toyota Camry SE | $1,851 |
| Ford Fusion Sport 4-Dr Sedan | $1,884 |
| Nissan Rogue S AWD | $1,893 |
| Honda Civic DX 4-Dr Sedan | $1,887 |
| Ford F-350 XL Crew Cab King Ranch 2WD | $1,917 |
| Toyota RAV4 Limited 4WD | $1,922 |
| Ford Explorer Limited 2WD | $1,961 |
| Ford F-150 Lariat Crew Cab 2WD | $1,969 |
| Nissan Altima 2.5 4-Dr Sedan | $1,983 |
| Honda Accord EX-L 2-Dr Coupe | $2,010 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $2,027 |
| Dodge Grand Caravan Crew | $2,033 |
| Chevrolet Malibu LT | $2,027 |
| Find Cheaper Rates Go | |
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Information does not factor in specific location information which can lower or raise insurance rates greatly.
Based on these rates, makes and models like the Ford Escape, Hyundai Elantra, Honda CR-V, Toyota Prius, and Chevrolet Silverado are going to be the cheapest vehicles to insure for hybrids.
For hybrids, one of the largest considerations that are looked at to determine the annual cost of car insurance is your address. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.
The illustration below ranks the most expensive areas in New Jersey for hybrid vehicles to purchase auto insurance in. Jersey City is listed at #11 with an annual cost of $2,253 on average, which is around $188 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Newark | $2,598 |
| 2 | East Orange | $2,571 |
| 3 | West New York | $2,506 |
| 4 | Union City | $2,450 |
| 5 | Paterson | $2,400 |
| 6 | Elizabeth | $2,374 |
| 7 | Hoboken | $2,353 |
| 8 | Kearny | $2,335 |
| 9 | Passaic | $2,325 |
| 10 | Clifton | $2,276 |
| 11 | Jersey City | $2,253 |
| 12 | Bayonne | $2,184 |
| 13 | Camden | $2,155 |
| 14 | Linden | $2,099 |
| 15 | Atlantic City | $2,086 |
| 16 | Perth Amboy | $2,081 |
| 17 | Fort Lee | $2,060 |
| 18 | Trenton | $1,954 |
| 19 | Hackensack | $1,940 |
| 20 | Plainfield | $1,918 |
| Get a Custom Quote Go | ||
Premium amounts are estimated as specific location information can modify rates substantially.
Get discount Jersey City insurance rates
Insurers that offer quotes for hybrid vehicles may provide premium discounts that can lower rates by as much as 35% if you meet eligibility requirements. A list of car insurance companies and their offered discounts can be read below.
- Progressive may offer discounts for homeowner, online quote discount, multi-vehicle, good student, multi-policy, continuous coverage, and online signing.
- SAFECO includes discounts for bundle discounts, homeowner, accident prevention training, teen safety rewards, teen safe driver, and anti-lock brakes.
- American Family offers premium reductions for defensive driver, air bags, TimeAway discount, bundled insurance, and early bird.
- MetLife offers discounts for multi-policy, good student, defensive driver, good driver, accident-free, and claim-free.
- GEICO discounts include anti-theft, five-year accident-free, military active duty, daytime running lights, and membership and employees.
- The Hartford policyholders can earn discounts including anti-theft, defensive driver, good student, bundle, and air bag.
The information below visualizes the comparison of car insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, no tickets, no at-fault accidents, New Jersey state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, defensive driving course, accident-free, vehicle safety, passive restraint, and multiple policy discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for hybrid vehicles is 28% or $890.
Choosing a high-quality car insurance provider can be rather challenging considering how many companies sell insurance in Jersey City. The company rank data shown next may help you analyze which auto insurers you want to consider shopping prices with.
The rankings below only include companies that insure vehicles nationwide, so smaller regional companies will not be included in this list. If you would like to check rates from many more New Jersey auto insurance companies, click this link.
Top 10 Major Auto Insurance Companies in Jersey City Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- GEICO
- State Farm
- Nationwide
- Allstate
- 21st Century
- The Hartford
- Farmers Insurance
Top 10 Major Auto Insurance Companies in Jersey City Ranked by Value
- The Hartford
- Mercury Insurance
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- Travelers
- State Farm
- Progressive
- American Family
How to find economical auto insurance for hybrid vehicles
Lowering your rates is not difficult, and here are a few money-saving ideas that can help Jersey City drivers quote more affordable coverage.
- Save money by observing traffic laws and speed limits
- Multi-policy discounts save money
- If possible, do not file small claims
- Remain accident-free and save
- Lower rates by purchasing a safer vehicle
- Compare rates once a year for cheaper prices
The last suggestion is extraordinarily important, as we discussed in the prior article. Auto insurance rates vary greatly, so don’t hesitate to switch to a new company if a lower-cost policy is available. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that inflexibility results in costing you a lot of money. It only takes a couple minutes to compare rates and find cheaper car insurance for hybrid vehicles in Jersey City.