How Much is Auto Insurance for Teenage Females in New Jersey?

Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” really shouldn’t be used as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap car insurance for teenage females is pretty hard to find. But don’t let us ruin your dream, because we will teach you how you can still find auto insurance that is affordable.

Shopping around for cheap auto insurance is easier said than done, and determining which companies quote the cheapest auto insurance rates for teenage females will take even more perseverance. Coverage rates will most likely be quite a bit greater than the average price in New Jersey, with the higher price attributed to the potentially higher risk related to offering insurance for teen girls, but reasonable coverage may be possible if you thoroughly shop around. Every insurance provider has a different formula to determine rates, so let’s begin by examining the auto insurance companies with the overall cheapest rates in New Jersey.

Best Car Insurance Prices for Teens

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

As the rates illustrate above, if you buy coverage from Palisades and switched to Travelers, you could realize an annual savings of upwards of $237. Customers with California Casualty might save as much as $292 a year, and The Hartford insureds might lower prices by $346 a year.

To find cheap insurance for teenage females in New Jersey for your vehicle, click here to start your custom quote or quote prices from the following companies.

Understand that those rates are averages for all drivers and vehicles in New Jersey and are not factoring in a rate increase for teenage females. So the insurer that is best suited for you may not even be featured in the above rate chart. That points out the importance of why you need to get quotes using your own driver data and vehicle information.

The vehicle to be insured is one of the largest considerations when comparing quotes for cheap insurance for teenage females in New Jersey. Vehicles with lots of speed or power, poor crash test ratings, or a track record of large liability claims will cost quite a bit more to insure than safer models. The next lists presents car insurance premiums for a selection of the most economical automobiles to buy insurance for.

Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in zip code location which can modify premium rates noticeably.

Data based on single female 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. Price estimates do not factor in specific location which can affect price quotes noticeably.

Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific zip code location which can decrease or increase prices noticeably.

For New Jersey drivers, one of the criteria that car insurance companies use when figuring insurance cost is where you call home. Cities with larger populations or higher claim trends like Newark, West New York, and Hoboken will most likely pay more, whereas areas with less congestion benefit from having to pay less for coverage.

The following table illustrates the most costly cities in New Jersey for teenage females to buy an auto insurance policy in.

Rate quotes are comparative as the vehicle garaging location can modify premiums substantially.

Discounts on New Jersey insurance

Insurance companies that offer cheap insurance for teenage females in New Jersey could also offer price discounts that can lower rates by as much as 30% if you meet certain criteria. Large auto insurance companies and their possible discounts are shown below.

• Esurance may have discounts that include renters, Pac-12 alumni, good student, claim free, good driver, and multi-car.
• The Hartford includes discounts for bundle, anti-theft, air bag, driver training, vehicle fuel type, and defensive driver.
• AAA has savings for multi-policy, education and occupation, anti-theft, multi-car, AAA membership discount, pay-in-full, and good student.
• GEICO discounts include five-year accident-free, emergency military deployment, defensive driver, military active duty, driver training, and membership and employees.
• State Farm policyholders can earn discounts including anti-theft, good student, multiple policy, Drive Safe & Save, driver’s education, and student away at school.

The diagram below illustrates the comparison of insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no violations or claims, New Jersey state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with good student, passive restraint, continuous coverage, paid-in-full, anti-theft, and paperless filing discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for teenage females is 28% or $891.

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How accidents and tickets impact rates

The easiest method to earn the best auto insurance prices in New Jersey for teen girls is to be a good driver and have a clean driving record. The example below illustrates how violations and accidents can drive up insurance premiums for different categories of driver ages. The premiums assume a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.

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In the chart above, the average cost of a car insurance policy in New Jersey per year with no accidents or violations is $2,892. Add in two speeding tickets and the average cost swells to $3,905, an increase of $1,013 each year. Then include one accident along with the two speeding tickets and the 12-month cost of auto insurance for teenage females increases to an average of $4,920. That’s an increase of $2,029, or $169 per month, just for not maintaining a clean driving record!

How to find cheap insurance for teenage females in New Jersey

It’s not impossible to find cheaper rates, and here are a few thrifty solutions that can help you buy the cheapest coverage.

• Bundle home and auto and save
• Raise deductibles to save money
• Full coverage may not be needed on older vehicles
• Pay less by remaining claim-free
• Higher credit scores may earn you cheaper rates
• Buy a vehicle with excellent safety ratings
• Comparison shop at least once a year

That last tip is remarkably important, as was affirmed in the article above. Car insurance rates fluctuate considerably, so drivers shouldn’t hesitate to buy a different policy if a cheaper rate is available. Many consumers stick with the same company and that’s fine, but it’s not a good idea if your bullheadedness ends up costing you a fortune every year. Take a few minutes and compare prices and find cheaper car insurance for teenage females.