How Much are Car Insurance Quotes for Active Military in Newark?

The words “low-cost” and “insurance” probably shouldn’t be used in the same sentence, specifically when you are searching for the lowest insurance rates for active military. Because it’s not cheap, let’s lead off by showing you some of the factors that impact auto insurance premiums, and come up with some ideas to take the bite out of the next policy you buy.

Comparing rates for budget car insurance is tough enough, and deciding which companies offer the cheapest insurance rates for active military may require more quotes for comparison.

Each auto insurer has a unique approach to set their prices, so let’s begin by examining the most competitive insurance companies in Newark. Keep in mind that New Jersey insurance rates are calculated based on many things that may substantially change the price you have to pay for coverage. This price variability is why it is critical to compare many different companies when trying to find the lowest auto insurance quotes for active military. Insurance prices can be altered by many risk factors and change frequently, so the most affordable company a year ago may now be priced much higher than other options.

Best Cheap Insurance Rates for Military

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21st Century has some of the cheapest car insurance rates in Newark at around $1,067 each year. This is $785 less than the average price paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades also qualify as some of the cheaper Newark, NJ auto insurance companies.

As the rates illustrate above, if you buy coverage from Penn National and switched to Travelers, you might achieve savings of about $223. Policyholders with Palisades might save as much as $226 a year, and The Hartford policyholders might see rate reductions of $335 a year.

Bear in mind that those policy rates are averages for all drivers and vehicles and are not factoring in an exact zip code location for active military. So the auto insurance company that has the cheapest rates for you may not even be in the top 19 companies in the list above. That is why you need to get rate quotes using your own personal information and vehicle type.

The make and model of vehicle you are trying to insure is one of the biggest factors when shopping around for economical car insurance for active military. Vehicles with limited top-end speed, modern passenger safety features, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models. The table below ranks coverage costs for the cheaper vehicles to insure in New Jersey.

Cheapest Vehicles to Insure in Newark, NJ
Vehicle Estimated Cost for Full Coverage
Toyota Prius $1,908
Dodge Grand Caravan CV $1,935
Ford Escape XLS 4WD $1,974
Honda Accord LX-P 4-Dr Sedan $1,981
Ford Edge Limited 2WD $2,004
Ford Focus SE 4-Dr Sedan $2,011
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $2,114
Hyundai Elantra GLS Touring Station Wagon $2,117
Honda CR-V LX 2WD $2,123
Honda Odyssey EX-L W/Rear Entertainment $2,150
Toyota Corolla LE $2,155
Toyota Camry SE $2,150
Chevrolet Impala LTZ $2,160
Hyundai Sonata GLS 4-Dr Sedan $2,189
Volkswagen Jetta SEL 4-Dr Sedan $2,194
Ford Explorer XLT AWD $2,219
Ford Fusion Sport AWD 4-Dr Sedan $2,335
Chevrolet Equinox LT AWD $2,341
Toyota Tacoma Double Cab 4WD $2,350
Dodge Ram 3500 Crew Cab SLT 2WD $2,374
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in garaging location in Newark, NJ which can impact coverage rates substantially.

Looking at the numbers, you can see that models like the Toyota Prius, Dodge Grand Caravan, Ford Escape, and Honda Accord should be some of the less-costly vehicles to insure for military personnel.

One of the more important things that aid in calculating the annual cost of car insurance is where your residence is. Areas with high crime rates or more dense population tend to pay more, whereas areas with lower crime rates and fewer weather claims can boast about having cheaper rates.

The following table shows the most expensive areas in New Jersey for active military to buy auto insurance in. Newark is listed at #3 with a yearly premium of $2,496 on average, which is approximately $208 monthly.

How much is auto insurance in Newark, NJ?
Rank City Premium Per Year
1 East Orange $2,571
2 West New York $2,531
3 Newark $2,496
4 Passaic $2,395
5 Union City $2,378
6 Paterson $2,376
7 Elizabeth $2,374
8 Clifton $2,368
9 Kearny $2,335
10 Hoboken $2,283
11 Bayonne $2,274
12 Jersey City $2,253
13 Linden $2,163
14 Camden $2,155
15 Fort Lee $2,123
16 Atlantic City $2,106
17 Perth Amboy $2,102
18 Hackensack $1,999
19 Trenton $1,974
20 Plainfield $1,956
21 New Brunswick $1,932
22 Sayreville $1,920
23 Lakewood $1,855
24 Vineland $1,806
25 Toms River $1,691
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Information shown are estimated as the specific geographic location can change premium rates substantially.

Get discounts on Newark car insurance

Discounts on insurance for active militaryInsurance providers that provide coverage for active military may also give you special discounts that could potentially reduce rates by as much as 35% or more if you qualify for them. Larger insurance companies and their offered discounts are shown below.

The illustration below shows the comparison of insurance rates with and without policy discounts. The premiums are based on a male driver, no driving violations, no at-fault accidents, New Jersey state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, homeowner, multiple vehicle, vehicle safety, passive restraint, and defensive driving course discounts applied. In this example, theamount saved on insurance for active military is 28% or $686.

Impact of speeding/accidents on insurance rates

The ideal way to earn the best insurance prices in New Jersey for military personnel is to drive safely and avoid tickets and accidents. The example below illustrates how traffic citations and at-fault collisions influence car insurance costs for different insured age categories. Data assumes a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.

The data above shows the average cost of car insurance in Newark per year with no accidents or violations is $2,471. Add in two speeding tickets and the average cost swells to $3,274, an increase of $803 each year. Now get two accidents along with the two speeding tickets and the annual cost of insurance for active military goes up to an average of $6,270. That’s an increase of $3,799, or $317 per month, just for not driving safely!

What is the best insurance company in New Jersey?

Choosing the top car insurance provider is difficult considering how many companies are available to choose from in New Jersey. The ranking information displayed below can help you pick which companies you want to consider when comparing insurance rates for active military. These ratings include companies that insure vehicles across America, so smaller regional companies are not taken into consideration for these rankings.

Top 15 Insurance Companies for Active Military in Newark, NJ
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
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Data Source: Best Car Insurance Companies