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

You've probably seen ads offering big savings on car insurance, but are New Jersey Skylands or Penn National right for you? Which carrier offers the lowest rates, or the most discounts? Read on to see how New Jersey Skylands and Penn National compare, and to find out which company is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Penn National offers significantly more affordable premiums than New Jersey Skylands
  • New Jersey Skylands may help you save more money -- they offer more discounts than Penn National Insurance
  • Penn National offers cheaper average prices for policyholders who live in urban areas


New Jersey Skylands or Penn National: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering New Jersey Skylands or Penn National, but between the two, which carrier has less expensive premiums for auto insurance?

New Jersey Skylands Penn National
$460$218

As you can see, Penn National is quite a bit cheaper than New Jersey Skylands, with prices averaging $218 a month compared to $460 with New Jersey Skylands when looking at the national average rates for insurance.

That being said, Penn National may not be the cheapest or best option for each driver out there. Car insurance carriers use a ton of complex algorithms to determine rates, so depending on how clean your driving record is or where you live (among a range of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average rates from both New Jersey Skylands and Penn National by a bunch of different rate factors, so read on to find out which carrier is the best for you.

New Jersey Skylands vs. Penn National: Average Car Insurance Rates by State

State New Jersey Skylands Penn National
NJ$460$281

New Jersey Skylands and Penn National only compete against each other in New Jersey, where Penn National offers the cheaper average premiums. Penn National drivers tend to pay about $179 per month less on average compared to drivers who use New Jersey Skylands for their auto insurance.

That being said, there's a lot more that goes into your car insurance payment than just the state you live in. Continue reading to see how other variables will affect your rates.


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Which is the Best Company For Young Drivers?

New Jersey Skylands Penn National
18-year-old drivers$962$473
25-year-old drivers$398$193

You might already know that teen drivers usually pay a lot more for insurance than any other group of drivers. That's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. For example, 18-year-old drivers pay an average of almost 50% less a month by choosing Penn National over New Jersey Skylands.

However, both companies will reduce premiums by the time drivers turn 25. For example, average prices for New Jersey Skylands policyholders drop nearly 60% and Penn National's rates decrease almost 60% over that time.

Which is the Best Company for Retired Drivers?

New Jersey Skylands Penn National
65+-year-old drivers$357$163

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you'll ever find.

When looking at New Jersey Skylands and Penn National specifically, which company is best for retired drivers? Penn National gets the edge here, with average prices coming in at around $163 a month compared to New Jersey Skylands's $357.

Which is the Best Company for Married Drivers?

New Jersey Skylands Penn National
Single$538$251
Married$356$173

Married policyholders tend to get slightly cheaper insurance premiums than those who are single. That's generally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with Penn National rates coming in at about half of New Jersey Skylands's. The advantage for married couples with Penn National is also obvious, where drivers save around $200 per month.

New Jersey Skylands or Penn National: Average Rates by Gender

New Jersey Skylands Penn National
Male$464$220
Female$457$215

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to auto insurance men will typically end up paying a little more.

Usually, women see premiums about 2% a month less with New Jersey Skylands, and around 2% less with Penn National.

When it comes to the cheapest rates for each gender, Penn National offers the lowest average prices for both men and women, with average premiums $244 less for men and $242 cheaper for women.


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New Jersey Skylands vs. Penn National: Compare State Minimum vs. Full Coverage Rates

New Jersey Skylands Penn National
State Minimum*$297$144
Full Coverage**$624$292

*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.

It's no secret that insurance can be pretty complicated. There are a variety of different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

But most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Penn National has the significant edge, with average monthly prices coming in at $144. If you want a full coverage policy with the same state minimum limits, Penn National again has the edge, with policies averaging about $292 per month to New Jersey Skylands's $624.

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

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and collisions lead to higher rates, but which carrier -- New Jersey Skylands or Penn National -- has the most affordable premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

New Jersey Skylands Penn National
Clean Record$320$139
1 Speeding Ticket$387$179

Policyholders who use New Jersey Skylands for their insurance can generally expect their monthly bill to go up around 17% after getting a speeding ticket. Penn National policyholders can expect a bit more drastic of an increase of about 22%.

That being said, Penn National tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are $181 and $208 more affordable, respectively, compared to New Jersey Skylands Insurance.

Which Company is Best for Drivers After an Accident?

New Jersey Skylands Penn National
Clean Record$320$139
1 At-Fault Accident$387$206

New Jersey Skylands drivers who get in an accident can expect to see their prices climb by over $65, while those who have insurance through Penn National will see around a $65 increase.

At the end of the day, drivers who use Penn National end up with the cheaper prices after an accident, with average rates coming in at $206 compared to New Jersey Skylands Insurance's $387.

Which Company is Best for Drivers with a DUI?

New Jersey Skylands Penn National
Clean Record$320$139
1 DUI$747$346

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. New Jersey Skylands drivers usually see a 57% raise in their auto insurance premiums after a DUI charge, while Penn National will normally increase prices by about 60%.

But if you end up with a DUI charge and are looking for more affordable premiums, Penn National tends to be less expensive for the average driver, with monthly premiums coming in at around $346 to New Jersey Skylands's $747.


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How does Credit Score Impact New Jersey Skylands and Penn National Rates?

Often times, your credit score can be used as one of the factors to calculate your monthly car insurance prices. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as a car insurance factor) but it does affect several policyholders out there.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

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

Which Company is Best for Drivers with Good Credit?

New Jersey Skylands Penn National
Excellent Credit Score$345$161
Good Credit Score$399$182

Which Company is Best for Drivers with Bad Credit?

New Jersey Skylands Penn National
Fair Credit Score$467$208
Poor Credit Score$631$320

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

New Jersey Skylands Penn National
6,000 Annual Miles$460$218
12,000 Annual Miles$460$218

How much you drive can have a substantial impact on how much insurance carriers will charge for coverage. Usually, those who drive fewer miles will end up with less expensive rates since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither New Jersey Skylands or Penn National report increasing premiums for drivers with higher annual mileage figures. Penn National comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car every year, with average rates of $218 a month for both.

New Jersey Skylands or Penn National: 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 pretty big impact as well. Generally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads where they live.

New Jersey Skylands Penn National
Urban Areas$555$275
Suburban Areas$471$212
Rural Areas$355$165

Penn National boasts the cheapest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $190 with Penn National compared to New Jersey Skylands. People who live in suburban areas pay around $259 less with Penn National compared to New Jersey Skylands. For policyholders in urban ZIP codes, Penn National Insurance's average rates are about $280 less than New Jersey Skylands Insurance.

New Jersey Skylands vs. Penn National Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both New Jersey Skylands and Penn National so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

New Jersey Skylands Penn National
ABS Discount 
Added PIP Option Discount 
Advance Quote Discount
Anti-Theft Discount
Company Car Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
DRL Discount 
Education Discount 
ESC Discount 
Good Driving Discount 
Good Student Discount
Group Discount
Homeowner Discount 
Hybrid Vehicle Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount
Paid In Full Discount

Looking at the total number of discounts, New Jersey Skylands comes out ahead with 18 discounts to Penn National's 16.

There are a couple discounts both companies offer, but New Jersey Skylands also offers discounts for company car, education, ESC, and more.

On the other hand, Penn National has a few proprietary discounts of their own for things like ABS discounts, added pip option discounts, driver training discounts, and more.


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

So, you've seen how different variables can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. But, at the end of the day, which carrier is the best company for you and your specific profile and needs?

Penn National might be best for you if....

  • You will be the only person on the insurance policy.
  • Your neighborhood is in the suburbs.
  • You're of retirement age and want to take advantage of lower prices.


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

  • You care about discounts (New Jersey Skylands offers the most).

Hopefully, this guide helps you get a good idea of the differences between New Jersey Skylands and Penn National and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just New Jersey Skylands and Penn National. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.


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New Jersey Skylands vs. Penn National FAQs

Is New Jersey Skylands or Penn National cheaper?

Penn National is the cheaper of the two carriers when looking at national average premiums, with policies averaging $218 per month with Penn National and $460 for New Jersey Skylands. But that doesn't mean Penn National will be the most affordable company for each policyholder, since there are multiple different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, New Jersey Skylands or Penn National?

Sadly, the answer truly is "it depends.". One carrier is not necessarily "better" for every policyholder -- it all boils down to your unique insurance profile.

Why do New Jersey Skylands and Penn National offer me different rates?

Auto insurance companies use a lot of different variables when determining the prices they charge. Things like where your home is, gender, where you call home, age, and sometimes even things like your credit score can all be used. Both New Jersey Skylands and Penn National calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of companies 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 quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't New Jersey Skylands or Penn National at all, but another you hadn't even thought of!


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.

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