Cheapest Auto Insurance Quotes for a Learners Permit in New Jersey

Cheapest Auto Insurance Quotes for a Learners Permit in New Jersey

Finding good, cost effective insurance is not the easiest thing to accomplish, and determining which company offers the lowest-priced car insurance rates for a learners permit will require even more shopping around. Policy rates will probably be quite a bit more expensive than the average price in New Jersey, with the increase attributed to the higher likelihood of claims that comes with selling insurance for new drivers, but affordable insurance should be achievable if you carefully shop around. Every auto insurer uses slightly different criteria for determining rates, so we need to take a look at the car insurance companies with the overall cheapest rates in New Jersey.

Keep in mind that New Jersey car insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Simply having a birthday, adding a teenager to your policy, or having an accident can trigger changes in premium that can now make some companies much higher than others.

Find the Cheapest Auto Insurance in New Jersey

Start Your Free Quote

Cheapest New Jersey auto insurance companies
Rank Company Cost Per Year
1 21st Century $1,111
2 Travelers $1,156
3 New Jersey Manufacturers $1,271
4 Penn National $1,325
5 Palisades $1,395
6 Allstate $1,478
7 California Casualty $1,481
8 The Hartford $1,536
9 USAA $1,585
10 Mercury $1,587
11 Amica $1,832
12 Esurance $1,894
13 MetLife $1,932
14 Progressive $1,938
15 GEICO $2,196
16 State Farm $2,226
17 Encompass $2,303
18 Liberty Mutual $2,920
19 Hanover $4,027
View More Rates Go

21st Century has some of the best car insurance rates in New Jersey at around $1,111 each year. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also be considered some of the more affordable New Jersey car insurance companies.

As the example above demonstrates, if you have coverage with Travelers and switched to 21st Century, you might see annual savings of approxmiately $45. Insureds with New Jersey Manufacturers may save as much as $160 a year, and Penn National customers might see rate reductions of $214 a year.

Bear in mind that those prices are averages across all types of drivers and the different vehicles they drive and are not factoring in a price surcharge for a learners permit. So the auto insurance company that fits you best may not even be included in the chart above. That point stresses why you need to get car insurance quotes using your own specific driver information and vehicle.

The vehicle model you are buying coverage for is one of the largest factors that determines if you can find the most affordable insurance for a learners permit. Vehicles with lower performance, good safety features, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models. The information below outlines coverage rates for a selection of the most budget-friendly automobiles to buy insurance for.

Cheapest Auto Insurance Rates for a Learners Permit in New Jersey
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 4WD $7,273
Honda CR-V EX 4WD $7,365
Honda Accord EX-L 4-Dr Sedan $7,918
Chevrolet Traverse LT AWD $8,007
Toyota Prius $8,017
Hyundai Tucson GLS 4WD $8,090
Dodge Grand Caravan SE $8,098
Ford Explorer XLT 2WD $8,090
Subaru Forester X Limited Edition AWD $8,099
Ford F-150 STX Super Cab 4WD $8,179
Honda Odyssey EX W/Rear Entertainment $8,550
Ford Edge SEL 2WD $8,559
Volkswagen Jetta 2.0T Station Wagon $8,556
Toyota RAV4 Limited 4WD $8,642
Hyundai Santa Fe GLS 4WD $8,652
Chevrolet Malibu Hybrid $8,642
Jeep Grand Cherokee Laredo 2WD $8,651
Dodge Ram Quad Cab ST 2WD $8,723
Subaru Outback 3.6R Premium $8,732
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $8,739
Compare Rates Now Go

Cost estimates assume single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can modify auto insurance rates considerably.

By looking at the data, you can presume that cars like the Ford Escape, Honda CR-V, Honda Accord, and Chevrolet Traverse are going to be the less-costly vehicles to insure for new drivers. The cost of auto insurance will tend to be more expensive anyway just because there is more exposure for a learners permit, but generally speaking those makes and models will most likely have the cheapest auto insurance rates compared to all other vehicles.

For new drivers, one of the big components that establish auto insurance rates is where you keep your vehicle in New Jersey. Areas that are more densely populated like Newark, Paterson, and Elizabeth are more likely to pay higher prices, whereas areas with less congestion have the luxury of the cheapest car insurance for a learners permit in New Jersey.

The illustration below rates the most expensive cities in New Jersey for a learners permit to buy an auto insurance policy in.

New Jersey cities ranked by car insurance cost
Rank City Annual Rate
1 Newark $2,522
2 East Orange $2,495
3 Paterson $2,448
4 West New York $2,431
5 Elizabeth $2,398
6 Union City $2,378
7 Hoboken $2,353
8 Jersey City $2,345
9 Kearny $2,335
10 Passaic $2,301
11 Clifton $2,276
12 Camden $2,221
13 Bayonne $2,207
14 Perth Amboy $2,165
15 Linden $2,121
16 Atlantic City $2,086
17 Fort Lee $2,060
18 Hackensack $1,980
19 Trenton $1,954
20 Plainfield $1,898
21 Sayreville $1,882
22 New Brunswick $1,875
23 Lakewood $1,819
24 Vineland $1,806
25 Toms River $1,674
Find Cheaper Insurance Go

Price information shown is comparative as vehicle location can influence premium rates considerably.

Picking a highly-rated car insurance provider is hard considering how many companies sell coverage in New Jersey. The information displayed below could help you analyze which coverage providers to look at purchasing coverage from.

The ratings below are for companies with a nationwide focus, so companies without a large exposure are not factored into these rankings. To compare prices from these and other companies in New Jersey, click here.

Top Car Insurance Companies for a Learners Permit
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
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Find the cheapest car insurance for a learners permit in New Jersey

It is possible to find better rates, and here are a few thrifty suggestions that can help New Jersey drivers locate cheaper auto insurance.

  • Full coverage may not be needed on older vehicles
  • Improve your credit score
  • Increase your comprehensive and collision deductibles
  • Safer vehicles cost less to insure
  • Avoid filing excessive claims
  • Save money by insuring your home and auto with the same company
  • Compare rates regularly and switch companies to save money

The last suggestion is extraordinarily crucial, as was noted in the prior article. Coverage rates in New Jersey vary considerably, so you should be ready to switch companies if you can find a cheaper rate. Many drivers tend to have loyalty to a certain company, but we do not recommend it if it’s costing you a fortune every year. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for a learners permit.