Who Has Affordable Auto Insurance for Handicapped Drivers in Newark?

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For drivers with handicaps, one of the big considerations that help determine insurance cost is where you keep your car in Newark. Regions with larger populations or more claims tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.

The information below sorts the highest-priced areas in New Jersey for handicapped drivers in which to buy car insurance. Newark shows up at #1 with the yearly price of $2,572 for car insurance, which is approximately $214 monthly.

How much does auto insurance cost in Newark?
Rank City Annual Rate
1 Newark $2,572
2 East Orange $2,571
3 West New York $2,531
4 Union City $2,450
5 Passaic $2,395
6 Paterson $2,376
7 Elizabeth $2,374
8 Hoboken $2,353
9 Jersey City $2,322
10 Clifton $2,299
11 Kearny $2,266
12 Bayonne $2,184
13 Perth Amboy $2,165
14 Linden $2,163
15 Camden $2,155
16 Fort Lee $2,144
17 Atlantic City $2,044
18 Trenton $1,974
19 Plainfield $1,956
20 Hackensack $1,940
21 Sayreville $1,939
22 New Brunswick $1,856
23 Lakewood $1,819
24 Vineland $1,806
25 Toms River $1,725
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Premium amounts are approximated as specific Newark zip code can raise or lower rates greatly.

Deciding which company quotes the cheapest car insurance rates for handicapped drivers takes more work in order to find a policy that fits your budget. Each company has a unique approach for determining rates in each state, so we need to take a look at the car insurance companies that tend to have lower prices in Newark.

We do need to point out that Newark, NJ car insurance rates are impacted by many factors that can increase your annual premium. Improving your credit score, buying a different vehicle, or getting a ticket for running a stop sign can produce rate changes that can make some companies affordable when they were higher priced.

Cheapest Insurance Rates in New Jersey

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21st Century offers some of the best car insurance rates in Newark at around $1,078 a year. Travelers, New Jersey Manufacturers, Penn National, and Palisades also rank well as some of the more affordable Newark, NJ insurance companies.

In the rate table above, if you currently have coverage with Penn National and switched to Travelers, you might realize an annual premium reduction of in the neighborhood of $234. Drivers with Palisades might save as much as $237 a year, and California Casualty policyholders might realize rate reductions of up to $306 a year.

It's important to note that these prices are averages for all drivers and vehicles in New Jersey and are not factoring in a vehicle location for handicapped drivers. So the company that can offer you the best price may not even be in the top 19 companies in the list above. That illustrates why you need to get auto insurance quotes using your own individual information.

The make and model of vehicle requiring coverage is one of the largest considerations when looking for affordable car insurance for handicapped drivers. Vehicles with lots of horsepower, poor passenger safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models.

The table below ranks coverage rates for the cheapest automobiles to insure in New Jersey.

Cheapest Vehicles to Insure in Newark, NJ
Vehicle Insured Estimated Cost for Full Coverage
Ford F-150 XLT Regular Cab 4WD $2,014
Ford Explorer Eddie Bauer 2WD $2,024
Chevrolet Impala LS $2,084
Honda CR-V EX-L 4WD $2,102
Honda Accord EX 4-Dr Sedan $2,199
Toyota Corolla S $2,233
Hyundai Elantra SE 4-Dr Sedan $2,242
Ford Edge Sport 2WD $2,233
Ford Escape Limited 2WD $2,254
GMC Sierra SLE Extended Cab 4WD $2,275
Kia Optima LX $2,278
Toyota Tacoma 4WD $2,306
Honda Odyssey EX W/Rear Entertainment $2,388
Jeep Grand Cherokee Laredo 4WD $2,434
Chevrolet Malibu LS $2,443
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Data based on single female 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. Rate quotes do not factor in specific zip code location which can affect insurance rates significantly.

Looking at the data, you can assume that vehicles like the Ford F-150, Ford Explorer, and Chevrolet Impala should be a few of the cheapest vehicles to insure for drivers with handicaps.

Picking the right insurer is difficult considering how many different companies insure vehicles in New Jersey. The ranking information displayed below can help you choose which coverage providers to look at when comparing rate quotes. The rankings below are only comprised of large nationwide companies, so companies that have a smaller presence will not be included in these rankings.

Newark, NJ 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
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Data Source: Insure.com Best Car Insurance Companies

The example below highlights how deductible choice can impact yearly insurance costs when getting quotes for cheap insurance for handicapped drivers. The data is based on a single female driver, full physical damage coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could lower their policy premium by $608 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $916 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, can cut as much as $1,354 or even more by choosing a larger deductible amount.

If you make the decision to raise deductibles, it will be necessary to have enough funds in savings to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Should you buy full coverage?

Reducing the cost of car insurance is probably important to most drivers, and one of the quickest ways to buy cheaper insurance for handicapped drivers is to buy only liability coverage. The diagram below compares annual premium costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no claims or violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

As an overall average, full coverage costs $3,679 per year more than just insuring for liability. Many drivers may wonder if paying for full coverage is a waste of money. There is no set rule to exclude full coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

How to find low-cost insurance for handicapped drivers

The list below details many money-saving solutions that can help you find cheap coverage.

The last suggestion is remarkably critical, as was stressed in this article. Rates in Newark can change in a short period of time, so drivers shouldn't be reluctant to buy from a new company if a better rate can be found.

We understand brand loyalty, but it isn't a good idea if that dedication is costing thousands of dollars over the life of your policy. In less than five minutes you could compare prices to find cheaper auto insurance for handicapped drivers.