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

Quick Facts

• In general, Progressive offers significantly less expensive prices than New Jersey Skylands
• Progressive tends to be a much cheaper option for policyholders who have a short commute
• Progressive has more affordable premiums for drivers who have less-than-stellar credit

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to New Jersey Skylands or Progressive as potential options, but which company will offer you cheaper prices?

Looking at the national average rates for both companies, Progressive has average rates that are about 60% per month less expensive than those from New Jersey Skylands.

Even so, that doesn't mean Progressive will necessarily be more affordable than New Jersey Skylands for every driver. Auto insurance carriers use a variety of complex algorithms to calculate rates, so depending on how good your credit score is or where you live (among a bunch of other factors), you could see wildly different premiums from the ones above.

Wanting to know if New Jersey Skylands or Progressive is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

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

New Jersey Skylands and Progressive only compete against each other in New Jersey, where Progressive offers the cheaper average rates. For New Jersey residents, Progressive offers insurance for $206 monthly on average. New Jersey Skylands's average premiums come out to be over 70% more expensive, at $460 per month.

That being said, there are plenty of other factors that go into your auto insurance bill than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high insurance prices. Just look at the table above -- where 18-year-old drivers who have Progressive for their car insurance pay more than $500 less than those who use New Jersey Skylands.

But both companies will offer you dramatically lower premiums once you turn 25. Progressive offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. New Jersey Skylands's average prices drop nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between New Jersey Skylands and Progressive? Progressive gets the edge here, with average premiums coming in at around $131 a month compared to New Jersey Skylands's $357.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more expensive for single policyholders than they are for married couples. This usually boils down to married drivers having more than one car on their policy -- something quite a few insurance carriers will reward with discounts.

When it comes to relationship status, Progressive is the clear winner for single drivers, with prices about $317 a month less expensive than New Jersey Skylands, on average. For married policyholders, the advantage is clear again - Progressive has the edge when it comes to average rates.

New Jersey Skylands vs. Progressive: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll normally end up paying more for car insurance than women.

Men typically pay around 2% more per month than women with New Jersey Skylands, while with Progressive, the difference is closer to 3% a month.

When it comes to the lowest premiums for each gender, Progressive comes out as the most affordable option for both genders. On average, women save about $279 per month and men save about $281 with Progressive compared to the average New Jersey Skylands policyholder.

New Jersey Skylands or Progressive: 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 can be a complicated subject for most people. Everyone needs car 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 that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Progressive generally offers significantly more affordable prices of $111 compared to New Jersey Skylands's $297. When it comes to full coverage policies with similar limits, Progressive again has the edge, with policies around $350 a month cheaper than New Jersey Skylands, on average.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two companies offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

New Jersey Skylands policyholders can expect their rates to go up an average of $67 per month if they get a ticket, while Progressive usually raises prices about $31 a month, on average.

That being said, Progressive has more affordable rates for drivers in both categories, offering prices that are 53% and 53% cheaper, respectively, compared to New Jersey Skylands Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with New Jersey Skylands climbing by over $65. Progressive has a less extreme climb, but you can still expect to pay $65 more than you were prior to your first collision.

Overall, Progressive offers the cheapest prices for drivers with an at-fault accident on their records, with monthly rates averaging $214 compared to New Jersey Skylands Insurance's $387.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. New Jersey Skylands drivers usually see a 57% increase in their car insurance premiums after a DUI charge, while Progressive will normally raise rates by around 16%.

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

In many cases, your credit score can be used as one of the variables to determine your monthly insurance prices. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for lots of drivers.

The reasoning auto insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will typically be forced to pay more.

Looking at New Jersey Skylands and Progressive specifically, which one has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly prices? Generally, the more miles you put on your car each year, the more you can expect to pay for insurance.

In this case, neither New Jersey Skylands or Progressive report increasing premiums for drivers with higher annual mileage figures. Still, Progressive comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average prices of $180 per month for both.

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

Where you live can play a substantial role in how much you pay for car insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Progressive tends to offer the cheapest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable premiums from both companies, but Progressive comes out on top with average prices about $154 per month. Progressive also has less expensive average rates for drivers in urban and suburban ZIP codes -- a $348 and $292 a month respective difference when compared to New Jersey Skylands policyholders in similar areas.

New Jersey Skylands vs. Progressive Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

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

In the section below, we've taken a look at all of the different discounts New Jersey Skylands and Progressive offer their customers so that you can see which carrier can save you the most money each month.

Progressive knocks New Jersey Skylands out of the park when it comes to the sheer number of discounts available, offering 34 different discounts to New Jersey Skylands's 34.

Both carriers offer a lot of the same discounts -- like anti-theft discounts, distant student discounts, education discounts, and group discounts -- but Progressive also offers ABS discounts, advanced safety feature discounts, agency transfer 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, ESC discounts, hybrid vehicle discounts, and more.

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

You've seen the role certain factors have on your auto insurance and the different discounts companies offer. But, at the end of the day, which carrier is the best fit for you?

Progressive might be best for you if....

• Your driving record contains an at-fault accident.
• You want to save extra money with discounts.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

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

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between New Jersey Skylands and Progressive and that you can now make a more informed decision when it comes to your 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 a handful of carriers, not just New Jersey Skylands and Progressive. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

New Jersey Skylands vs. Progressive FAQs

Is New Jersey Skylands or Progressive cheaper?

Looking just at the national average premiums, Progressive is the cheaper of the two carriers, offering average rates of $180 per month compared to $460 for New Jersey Skylands. Even so, Progressive won't necessarily be the lowest company for everyone, since there are several different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, New Jersey Skylands or Progressive?

Sadly, the only answer we can give you is "it depends.". One carrier is not "better" for each driver -- it all comes down to what your unique auto insurance profile looks like.

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

Car insurance companies take a look at several different factors when calculating the rates they charge drivers. Things like where you call home, age, where your home is, gender, and sometimes even things like your credit score can all be taken into consideration. Both New Jersey Skylands and Progressive use different formulas, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be New Jersey Skylands or Progressive 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.