Allstate vs. New Jersey Skylands: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Allstate offers significantly less expensive rates than New Jersey Skylands
• Allstate offers more affordable prices for policyholders who may not have much of a commute
• New Jersey Skylands offers more affordable rates for residents in New Jersey

Allstate vs. New Jersey Skylands: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Allstate or New Jersey Skylands, but between the two, which one will offer you more affordable premiums?

Looking at the national average rates for both companies, New Jersey Skylands is quite a bit more expensive than Allstate, with prices averaging $460 per month compared to just $199 with Allstate.

But that doesn't mean Allstate will necessarily be cheaper than New Jersey Skylands for every single driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things). So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

So, if you want to find out which of Allstate or New Jersey Skylands is really the best for you, keep reading to see average premiums for each company broken down by a range of different rate factors.

Allstate or New Jersey Skylands: Average Car Insurance Rates by State

Allstate and New Jersey Skylands only compete against each other in New Jersey, where Allstate offers the cheaper average rates. For New Jersey residents, Allstate offers insurance for $261 monthly on average. New Jersey Skylands's average premiums come out to be over 70% more expensive, at $460 per month.

But there's more to calculating car insurance prices than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Allstate save more than $500 a month compared to those who use New Jersey Skylands. It's worth noting that Allstate offers insurance in 47 different states compared to New Jersey Skylands's one, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, both companies will lower prices by the time drivers turn 25. New Jersey Skylands offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Allstate still has the cheapest premiums at $167 a month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable car insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

But who has the best rates for retired drivers between Allstate and New Jersey Skylands? Allstate gets the edge here, with average prices coming in at about $152 monthly compared to New Jersey Skylands's $357.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be less expensive for married policyholders than they are for single policyholders. That's because policies for married couples normally cover more than one car, which lots of carriers will offer you a discount for.

When it comes to relationship status, Allstate is the clear winner for those who are single, with prices around $307 per month cheaper than New Jersey Skylands, on average. The advantage for married drivers with Allstate is also obvious, where drivers save over $200 a month.

Allstate vs. New Jersey Skylands: Average Rates by Gender

Did you know men typically pay more for car insurance than women? This is because women are less likely to get into collisions and get tickets, which lowers the chances of an insurance claim.

Men generally pay nearly $10 per month more than women with Allstate, while with New Jersey Skylands, the difference is closer to $7 a month.

Looking at overall affordability, Allstate comes out as the lowest option for both genders. On average, male drivers save about $261 per month and women save about $263 with Allstate compared to the average New Jersey Skylands policyholder.

Allstate or New Jersey Skylands: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Auto insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different terms and limits that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Allstate usually offers significantly more affordable rates of $108 compared to New Jersey Skylands's $297. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies around $350 a month less expensive than New Jersey Skylands, on average.

Is Allstate or New Jersey Skylands Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

At-fault accidents and tickets will most likely raise your prices, but is Allstate or New Jersey Skylands cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 per month if they get a ticket, while New Jersey Skylands normally raises premiums about $67 a month, on average.

However, Allstate has more affordable prices for drivers in both categories, offering rates that are $164 and $204 cheaper, respectively, compared to New Jersey Skylands Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Allstate can expect to see around an $73 -- or about 32% -- increase in their insurance premiums. Drivers who use New Jersey Skylands for their car insurance will see a monthly bill around $67 (or 17%) more expensive after reporting a collision to their auto insurance carrier.

Overall, drivers who use Allstate end up with the cheaper prices after an accident, with monthly prices averaging $229 compared to New Jersey Skylands Insurance's $387.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, New Jersey Skylands will increase your premiums about 57% after a DUI, while Allstate's average rates climb by over 30%.

Allstate has the overall most affordable prices for drivers with a DUI on their records at $227 per month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for New Jersey Skylands, so the data may be skewed slightly.

How does Credit Score Impact Allstate and New Jersey Skylands Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly insurance rates. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for several drivers.

Auto insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the best premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Allstate. Drivers with "excellent" credit can save just under 60% compared to New Jersey Skylands, and those with "good" scores can also expect to see savings -- around $227 or 57% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower prices than New Jersey Skylands when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $264 per month less with Allstate compared to New Jersey Skylands, and those with "poor" scores typically save an average of around $356 a month.

Is Allstate or New Jersey Skylands Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly premiums. Usually, the more miles you put on your car, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much New Jersey Skylands charges. However, there's a small difference in monthly rates for Allstate, with policyholders who drive the least paying about $3 less each month compared to those who drive 12,000 miles yearly. Still, Allstate is the less expensive option for drivers in both categories.

Allstate vs. New Jersey Skylands: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a sizable impact as well. Normally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of vehicles that are on the roads in those areas.

Allstate tends to offer the lowest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Allstate offers prices around $222 per month compared to New Jersey Skylands's $555. People who live in suburban ZIP codes can expect to pay about $199 a month for Allstate and $471 for New Jersey Skylands. Lastly, those in rural areas tend to get the most affordable rates from both companies, with average monthly premiums coming in at $174 and $355 for Allstate and New Jersey Skylands respectively.

Allstate vs. New Jersey Skylands Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

In the section below, we've broken down all of the different discounts offered by both Allstate and New Jersey Skylands so that you can see which company can save you the most money each month.

Allstate blows New Jersey Skylands away when it comes to the sheer amount of discounts available, offering 22 more discounts than New Jersey Skylands.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, ESC discounts, and discounts for being a homeowner. Allstate also offers ABS discounts, agency transfer discounts, alert driving discounts, and more that New Jersey Skylands does not.

On the flip side, New Jersey Skylands has a couple unique discounts of its own -- company car discounts, education discounts, group discounts, and more.

Final Thoughts: Is Allstate or New Jersey Skylands Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. But, when it comes down to it, which insurance carrier is the best carrier for you and your specific driver profile?

Allstate might be best for you if....

• You want to save money on your auto insurance after a collision.
• You already have a great credit score.
• You drive fewer than 6,000 miles annually.

New Jersey Skylands might be best for you if...

• You like the personalized touch of a small, local company.

We hope this guide has ben a valuable resource as you compare Allstate and New Jersey Skylands and that you can now make a more informed decision when it comes to your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of companies, not just Allstate and New Jersey Skylands. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Allstate vs. New Jersey Skylands FAQs

Is Allstate or New Jersey Skylands cheaper?

Looking just at the national average rates, Allstate is the cheaper of the two companies, offering average rates of $199 per month compared to $460 for New Jersey Skylands. That being said, Allstate won't necessarily be the cheapest carrier for every driver, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or New Jersey Skylands?

Sadly, the real answer is "it depends.". One company is not "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Allstate and New Jersey Skylands offer me different rates?

Auto insurance carriers take a look at many different factors when calculating the premiums they charge policyholders. Variables such as gender, age, your driving record, where you park your car, and sometimes even things like your credit score can all be used. Both Allstate and New Jersey Skylands use different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from lots of different companies.

How do I know if Allstate or New Jersey Skylands is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Allstate or New Jersey Skylands at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.