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

Quick Facts

• Looking at the national averages for insurance, State Farm offers significantly more affordable rates than New Jersey Skylands
• State Farm offers more discounts than New Jersey Skylands Insurance
• State Farm has less expensive premiums for drivers who have less-than-stellar credit

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

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might be considering New Jersey Skylands or State Farm for your next policy, but between the two, which one will offer you cheaper prices?

Looking at the national average rates for both companies, New Jersey Skylands is quite a bit more expensive than State Farm, with rates averaging $460 per month compared to just $158 with State Farm.

Even so, State Farm may not be the lowest or best option for every driver out there. 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 credit score, or even your age (among other things), so prices could change drastically from person to person.

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

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

New Jersey Skylands and State Farm only compete against each other in New Jersey, where State Farm offers the cheaper average premiums. For New Jersey residents, State Farm offers car insurance for $431 a month on average. New Jersey Skylands's average rates come out to be more expensive, at $460 per month.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your premiums. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any group on the road. 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 that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of more than $500 less a month by choosing State Farm over New Jersey Skylands.

However, with both carriers, you'll see your premiums lower significantly once you turn 25. For example, average prices for New Jersey Skylands policyholders reduce nearly 60% and State Farm's rates drop almost 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable auto insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can increase prices.

When looking at New Jersey Skylands and State Farm specifically, which company is best for retired drivers? State Farm gets the edge, with rates for drivers 65 and older $246 more affordable than the national average for New Jersey Skylands.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are typically more expensive for those who are single than they are for married policyholders? That's usually because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, State Farm is the clear winner for single policyholders, with premiums about $355 per month less expensive than New Jersey Skylands, on average. The advantage for married drivers with State Farm is also obvious, where drivers save nearly $250 a month.

New Jersey Skylands vs. State Farm: Average Rates by Gender

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

With New Jersey Skylands, women usually pay around 2% per month less than men, and about 7% less with State Farm.

Looking at the data for each carrier specifically, State Farm comes out on top for both men and women, with average rates $300 less for men and $305 cheaper for women.

New Jersey Skylands or State Farm: 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.

Insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing 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 a collision) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, State Farm typically offers significantly cheaper premiums of $99 compared to New Jersey Skylands's $297. When it comes to full coverage policies with similar limits, State Farm again has the edge, with policies around $400 a month less expensive than New Jersey Skylands, on average.

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

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

It's no secret secret that tickets and at-fault collisions lead to higher rates, but which company -- New Jersey Skylands or State Farm -- has the cheapest premiums for drivers with less-than-ideal driving 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 State Farm generally raises prices about $21 a month, on average.

That being said, State Farm tends to offer the best prices for drivers both with clean records and with a speeding ticket -- their rates are around 58% cheaper for drivers with clean records and 60% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

New Jersey Skylands drivers who get in an accident can expect to see their premiums rise by over 15%, while those who have insurance through State Farm will see around a 20% increase.

Overall, drivers who use State Farm end up with the cheaper prices after an accident, with monthly rates averaging $163 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 accident or ticket when it comes to your auto insurance bill. For example, New Jersey Skylands increases average prices by just under $450 per month -- that's over a 55% increase.

How does Credit Score Impact New Jersey Skylands and State Farm Rates?

Did you know that many car insurance carriers take your credit score into account when calculating premiums? This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it does affect lots of policyholders out there.

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

So, which carrier offers the most affordable rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in how much insurance carriers will charge for coverage. That's because the more miles you put on your vehicle each year, the more likely you are to get into a collision and cause an insurance claim.

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 premiums for State Farm, with policyholders who drive 6,000 miles every year paying about $13 less each month compared to those who drive 12,000 miles yearly. Still, State Farm is the cheaper option for drivers in both categories.

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

Where you live can play a substantial role in how much you pay for auto insurance. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the road in those areas, which increases the chances of an accident.

State Farm boasts the lowest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest prices from both companies, but State Farm comes out on top with average rates around $127 monthly. State Farm also has more affordable average premiums for policyholders in urban and suburban ZIP codes -- a 67% and 66% a month respective difference when compared to New Jersey Skylands drivers in similar areas.

New Jersey Skylands vs. State Farm 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 challenging to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the table below, we've broken down all of the different discounts offered by both New Jersey Skylands and State Farm so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Overall, State Farm comes out ahead with 23 discounts to New Jersey Skylands's 18.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, discounts for being a good driver, discounts for being a good student, and multi-policy discounts -- but State Farm also offers ABS discounts, annual mileage discounts, drive safe & save discounts, and more that New Jersey Skylands does not.

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

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

You've seen the role certain variables have on your auto insurance and the different discounts companies offer. But, at the end of the day, which insurance company is the best company for you and your specific profile and needs?

State Farm might be best for you if....

• You have a DUI charge on your record.
• You want basic insurance coverage at the state minimum limits.
• Your neighborhood is in the suburbs.

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 good idea of the differences between New Jersey Skylands and State Farm. We also hope we've given you the information you need to make the best decision about your car insurance.

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

New Jersey Skylands vs. State Farm FAQs

Is New Jersey Skylands or State Farm cheaper?

Looking just at the national average rates, State Farm is the less expensive of the two carriers, offering average rates of $158 per month compared to $460 for New Jersey Skylands. But State Farm won't necessarily be the lowest carrier for every policyholder, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, New Jersey Skylands or State Farm?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do New Jersey Skylands and State Farm offer me different rates?

Auto insurance companies take a look at quite a few different variables when determining the premiums they charge policyholders. Things like where your home is, age, where you park your vehicle, gender, and sometimes even things like your credit score can all be taken into consideration. Both New Jersey Skylands and State Farm calculate prices using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the insurance company 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 does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be New Jersey Skylands or State Farm 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.