How Much is Auto Insurance for Welfare Recipients in New Jersey?

How Much is Auto Insurance for Welfare Recipients in New Jersey?

Finding good, affordable insurance is not easy, and finding out which company quotes the most affordable car insurance rates for welfare recipients may require more quotes for comparison.

Every insurance provider has their own process for determining rates in each state, so to begin we’ll rank the most competitive car insurance companies in New Jersey. It’s important to know that New Jersey car insurance rates are impacted by many things that will increase or decrease the price you pay for coverage. Price variation is why it is critical to compare as many rates as possible to get the most budget-friendly insurance rates for welfare recipients. Prices can be determined by many things and can decrease or increase without notice, so the best price when you last compared rates may now cost much more than other companies.

Find the Best Cheap Insurance in New Jersey

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21st Century quotes some of the lowest car insurance rates in New Jersey at around $1,078 a year. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also make the list of some of the best New Jersey car insurance companies.

As shown above, if you are a customer of Travelers and switched to 21st Century, you might achieve a yearly savings of around $67. New Jersey drivers with New Jersey Manufacturers could save as much as $232 a year, and Penn National policyholders might lower prices by up to $247 a year.

If you want to see how much you could save, click here to get a free quote or quote rates from the companies below.

Remember that these premium estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in a rate decrease for welfare recipients. So the insurer that can offer the best rates for your situation may not even be included in the rate chart shown above. That is why you need to get quotes using your own specific driver and vehicle information.

We all like different vehicles, and the type of vehicle that needs insurance is one of the biggest factors that determines whether or not you find the best car insurance for welfare recipients. Vehicles with higher performance characteristics, a lack of safety features, or high incidents of liability claims will cost substantially more to insure than safer models. The tables below showcases insurance rates for a handful of the cheaper vehicles to insure.

Auto Insurance Rates for Popular Cars in New Jersey
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $1,836 $918 $153
Ford Focus SES 4-Dr Sedan $1,904 $952 $159
Ford Fusion SEL AWD 4-Dr Sedan $2,144 $1,072 $179
Honda Accord EX-L 4-Dr Sedan $1,706 $853 $142
Hyundai Elantra GLS Touring Station Wagon $1,552 $776 $129
Kia Optima SX $2,108 $1,054 $176
Nissan Altima 3.5 SR 4-Dr Sedan $1,990 $995 $166
Volkswagen Jetta S 2.5 Station Wagon $1,706 $853 $142
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Estimates do not factor in garaging location in New Jersey which can increase or decrease insurance rates noticeably.

Auto Insurance Rates for Popular SUVs and Crossovers in New Jersey
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech Package 4WD $2,034 $1,017 $170
Acura RDX 2WD $1,706 $853 $142
Cadillac Escalade Hybrid Platinum 2WD $2,722 $1,361 $227
Chevrolet Traverse LTZ 2WD $1,748 $874 $146
Ford Escape Limited 4WD $1,706 $853 $142
Ford Explorer Limited AWD $1,878 $939 $157
GMC Acadia SLT AWD $1,878 $939 $157
Honda CR-V EX 4WD $1,596 $798 $133
Honda Fit $1,494 $747 $125
Honda Pilot Touring 2WD $1,878 $939 $157
Jeep Grand Cherokee Limited 4WD $1,990 $995 $166
Nissan Pathfinder SE 2WD $1,726 $863 $144
Subaru Forester X Premium AWD $1,748 $874 $146
Toyota Highlander 2WD $1,726 $863 $144
Toyota RAV4 Limited 4WD $1,836 $918 $153
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in garaging location in New Jersey which can influence price quotes substantially.

Car Insurance Rates for Popular Pickup Trucks in New Jersey
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 4WD $1,706 $853 $142
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD $2,144 $1,072 $179
Chevrolet Silverado LTZ Crew Cab 2WD $2,108 $1,054 $176
Dodge Ram 3500 Crew Cab SLT 2WD $2,186 $1,093 $182
Dodge Ram Crew Cab Sport 4WD $2,152 $1,076 $179
Ford F-150 XLT Super Cab 2WD $1,726 $863 $144
GMC Sierra 2500HD SLT Extended Cab 2WD $2,218 $1,109 $185
GMC Sierra SL Crew Cab 4WD $1,990 $995 $166
Toyota Tacoma Double Cab 4WD $1,836 $918 $153
Toyota Tundra SR/5 Crew Max 4WD $2,152 $1,076 $179
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific location which can influence insurance rates considerably.

When buying auto insurance for drivers on welfare, one of the key criteria that control the price you pay for insurance is your zip code in New Jersey. More densely populated places like Newark, Paterson, and Union City will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.

The information below displays the highest-priced places in New Jersey for welfare recipients to buy car insurance in.

Car insurance prices in New Jersey
Rank City Premium Per Year
1 Newark $2,572
2 East Orange $2,571
3 Paterson $2,448
4 West New York $2,431
5 Union City $2,378
6 Elizabeth $2,374
7 Passaic $2,371
8 Jersey City $2,345
9 Clifton $2,345
10 Kearny $2,335
11 Hoboken $2,283
12 Camden $2,199
13 Bayonne $2,184
14 Perth Amboy $2,144
15 Fort Lee $2,144
16 Linden $2,099
17 Atlantic City $2,086
18 Plainfield $1,976
19 Trenton $1,954
20 Hackensack $1,940
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Rates are estimated as specific location information can increase or decrease insurance rates noticeably.

New Jersey car insurance companies

Ending up with the top car insurance provider can be difficult considering how many companies there are to choose from in New Jersey. The ranking data displayed below could help you decide which providers to look at when shopping around.

These ratings are for companies that write coverage in many states, so smaller companies are not factored into the list. If you’d like to compare prices from the most competitive companies in New Jersey, follow this link.

New Jersey Car Insurance Company 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