The words “bargain” and “insurance” really shouldn’t be used in the same sentence, especially when you are searching for the best insurance rates for active military. Let’s teach you some things that significantly impact car insurance rates, and find some ways to reduce the price of the next policy you buy.
For military personnel, one of the largest factors that are used to help calculate the cost of insurance is your address in Jersey City. Regions with larger populations or more claims tend to have higher rates, whereas areas with less congestion have the gratification of cheaper auto insurance rates.
The table below shows the priciest cities in New Jersey for active military in which to purchase auto insurance. Jersey City shows up at #8 with the yearly price of $2,322 for coverage, which is around $194 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | East Orange | $2,521 |
| 2 | West New York | $2,506 |
| 3 | Newark | $2,496 |
| 4 | Paterson | $2,376 |
| 5 | Elizabeth | $2,374 |
| 6 | Union City | $2,354 |
| 7 | Kearny | $2,335 |
| 8 | Jersey City | $2,322 |
| 9 | Passaic | $2,301 |
| 10 | Clifton | $2,299 |
| 11 | Hoboken | $2,283 |
| 12 | Bayonne | $2,274 |
| 13 | Perth Amboy | $2,165 |
| 14 | Camden | $2,155 |
| 15 | Fort Lee | $2,144 |
| 16 | Linden | $2,121 |
| 17 | Atlantic City | $2,044 |
| 18 | Hackensack | $1,980 |
| 19 | Sayreville | $1,939 |
| 20 | Plainfield | $1,918 |
| 21 | Trenton | $1,896 |
| 22 | New Brunswick | $1,875 |
| 23 | Vineland | $1,806 |
| 24 | Lakewood | $1,800 |
| 25 | Toms River | $1,742 |
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Rate information is comparative as the garaging address in Jersey City can impact coverage rates considerably.
The make and model of vehicle needing coverage is a large consideration when comparison shopping for the best cheap car insurance for active military. Vehicles with high performance features, poor safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer models.
The data below ranks insurance rates for a handful of the most economical automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,653 |
| Ford F-150 XL Regular Cab 2WD | $1,706 |
| Honda CR-V EX-L 4WD | $1,753 |
| Ford Escape Limited 2WD | $1,763 |
| Chevrolet Malibu Hybrid | $1,792 |
| Chevrolet Equinox LS AWD | $1,797 |
| Dodge Grand Caravan SXT | $1,825 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,844 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,886 |
| Toyota Prius | $1,892 |
| GMC Sierra SL Crew Cab 4WD | $1,919 |
| Chevrolet Impala LS | $1,922 |
| Ford Explorer XLT 2WD | $1,928 |
| Toyota Tacoma 4WD | $1,936 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,947 |
| Jeep Grand Cherokee Laredo 4WD | $1,961 |
| Ford Fusion S 4-Dr Sedan | $1,968 |
| Toyota RAV4 4WD | $1,961 |
| Ford F-350 XL Crew Cab Turbo Diesel 2WD | $1,989 |
| Toyota Camry Hybrid | $2,052 |
| Hyundai Elantra SE 4-Dr Sedan | $2,069 |
| Ford Edge Sport 2WD | $2,077 |
| Toyota Corolla LE | $2,069 |
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate information does not factor in Jersey City, NJ location which can raise or lower premium rates considerably.
Based upon the rates shown, we can expect vehicles like the Honda Accord, Ford F-150, Honda CR-V, Ford Escape, and Chevrolet Malibu are likely to be some of the most affordable vehicles to insure for military personnel.
The diagram below demonstrates how deductible levels can influence insurance costs when getting quotes for cheap insurance for active military. The data assumes a married male driver, comp and collision included, and no discounts are applied to the premium.
A 30-year-old driver could pocket $498 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $752 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old example, could save $1,520 or more by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it will be required to have plenty of discretionary funds to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Buying coverage from the highest-rated auto insurance company can be challenging considering how many companies there are to choose from in New Jersey. The ranking data listed below can help you pick which auto insurers you want to consider when trying to find cheaper insurance for active military. The rankings below are only made up of companies with a nationwide focus, so companies that may only write in New Jersey will not be included in these rankings.
| 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
How accidents and tickets impact rates
One of the best ways to enjoy cheap auto insurance prices for military personnel is to drive attentively and avoid getting tickets or having accidents. The chart below demonstrates how speeding tickets and at-fault accidents increase car insurance rates for each different age group. The rates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of a car insurance policy in New Jersey per year with no violations or accidents is $2,745. Receive two speeding tickets and the average cost increases to $3,646, an increase of $901 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for active military jumps again to an average of $4,547. That’s an increase of $1,802, or $150 per month, just for not driving carefully!
How to find low-cost insurance for active military
The list below shows some thrifty suggestions that can help drivers buy cheap car insurance.
- Frequent claims will increase rates
- Violations like speeding or DUI increase rates
- Buying home and auto together can help save money
- Maintain a safe distance and avoid accidents
- Drop full coverage on older vehicles
- Buy a safer vehicle
- Compare rates often to find the best deal
The last tip is extremely crucial, as we emphasized in the prior information. Prices go up and down frequently, so drivers shouldn’t be reluctant to change to a new company if a cheaper rate is available. Loyalty to a specific company is fine, but is isn’t recommended if that dedication is costing thousands of dollars over several years. Take a couple minutes and compare rates to find cheaper car insurance for active military in Jersey City.
If you prefer to have professional advice when buying car insurance for military personnel, the insurance agencies below can most likely help you make a decision which auto insurance policy fits you best. To locate a Jersey City insurance agent using an interactive map, click the link after the list or click here to compare prices now.
Diaz Insurance Agency
815 Bergenline Ave – Union City, NJ 07087 – (201) 348-1288
AllState Agent
07305, 701 NJ-440 – Jersey City, NJ 07304 – (201) 515-3499
GG Insurance – Independent Insurance Agent
270 Marin Boulevard, Metropolis Towers Suite #14D – Jersey City, NJ 07302 – (800) 801-0394
Arch Insurance
300 Exchange Pl – Jersey City, NJ 07311 – (201) 743-4000