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

Quick Facts

• In general, Travelers offers significantly more affordable rates than New Jersey Skylands
• Travelers tends to be a much cheaper option for policyholders who may not have much of a commute
• Travelers has less expensive premiums for drivers with a DUI charge on their record

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to New Jersey Skylands or Travelers as your top options, but which company has cheaper rates for auto insurance?

As you can see, New Jersey Skylands is quite a bit more expensive than Travelers, with premiums averaging $460 per month compared to just $167 with Travelers when looking at the national average rates for insurance.

But that doesn't necessarily mean Travelers will be the less expensive option for each driver. Car insurance companies vary their prices depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and a variety of other factors, so premiums could vary drastically from person to person.

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

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

New Jersey Skylands and Travelers only compete against each other in New Jersey, where Travelers offers the cheaper average prices. For New Jersey residents, Travelers offers auto insurance for $268 monthly on average. New Jersey Skylands's average rates come out to be over 70% more expensive, at $460 per month.

There's a lot more that goes into your car insurance bill than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group out there on the road. That's usually because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Travelers for their insurance pay more than $500 less than those who use New Jersey Skylands.

That being said, both carriers will drop rates by the time you turn 25. For example, average premiums for New Jersey Skylands policyholders lower over $500 and Travelers's prices reduce about $200 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best prices to retired drivers? Travelers gets the edge, with rates for drivers 65 and older $225 more affordable than the national average for New Jersey Skylands.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper car insurance prices than single drivers. This usually boils down to married couples having more than one car on their policy -- something many insurance companies will reward with discounts.

When it comes to relationship status, Travelers is the clear winner for those who are single, with premiums around $348 a month less expensive than New Jersey Skylands, on average. For married policyholders, the advantage is clear again - Travelers has the edge when it comes to average rates.

New Jersey Skylands vs. Travelers: Average Rates by Gender

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

Normally, men see prices about $7 per month higher with New Jersey Skylands, while with Travelers, the difference is closer to $11 a month.

Looking at overall affordability, Travelers comes out on top for both men and women. On average, women save about $296 per month and men save around $292 with Travelers compared to the average New Jersey Skylands policyholder.

New Jersey Skylands or Travelers: 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. There are a bunch of different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

However, the most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Travelers typically offers significantly more affordable premiums of $108 compared to New Jersey Skylands's $297. When it comes to full coverage policies with similar limits, Travelers again has the edge, with policies about $400 a month less expensive than New Jersey Skylands, on average.

Is New Jersey Skylands or Travelers 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.

It's no secret secret that tickets and at-fault collisions lead to higher prices, but which company -- New Jersey Skylands or Travelers -- has the most affordable rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

New Jersey Skylands policyholders can expect their premiums to go up an average of $67 per month if they get a ticket, while Travelers usually raises rates around $32 a month, on average.

Even so, Travelers is generally the cheaper option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 60% more affordable for drivers with clean records and 59% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through New Jersey Skylands can expect to see about an $67 -- or around 17% -- increase in their auto insurance premiums. Drivers who use Travelers for their insurance will see a monthly bill about $45 (or 26%) more expensive after reporting a collision to their auto insurance carrier.

Overall, drivers who use Travelers end up with the cheaper prices after an accident, with monthly prices averaging $173 compared to New Jersey Skylands Insurance's $387.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than an accident or ticket. New Jersey Skylands drivers usually see a 57% increase in their insurance premiums after a DUI charge, while Travelers will normally raise rates by around 38%.

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

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of drivers.

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

Looking specifically at New Jersey Skylands and Travelers, which carrier has the best prices for policyholders 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 Travelers Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on your monthly insurance payment. 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 rates for Travelers, with policyholders who drive 6,000 miles every year paying about $5 less each month compared to those who drive 12,000 miles annually. Still, Travelers is the more affordable option for drivers in both categories.

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

Where your home is can have a substantial impact on your monthly auto insurance cost. Typically, 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 roads in those areas.

Travelers boasts the lowest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest prices from both carriers, but Travelers comes out on top with average rates around $136 a month. Travelers also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a $351 and $311 per month respective difference when compared to New Jersey Skylands drivers in similar areas.

New Jersey Skylands vs. Travelers Discounts

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

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

Below, we've broken down all of the different discounts offered by both New Jersey Skylands and Travelers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Travelers knocks New Jersey Skylands out of the park when it comes to the sheer number of discounts available, offering seven more discounts than New Jersey Skylands.

There are a couple discounts both companies offer, but Travelers also offers ABS discounts, alternative fuel discounts, continuous insurance 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, ESC discounts, and more.

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

So, you've seen how different factors can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the best one for you, your vehicle, and your wallet?

Travelers might be best for you if....

• You want to save money on your insurance after an accident.
• You're looking for the carrier with the most discounts.
• You live in an suburban area.

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 Travelers. 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 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 Travelers. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

New Jersey Skylands vs. Travelers FAQs

Is New Jersey Skylands or Travelers cheaper?

Looking just at the national average premiums, Travelers is the more affordable of the two carriers, offering average rates of $167 a month compared to $460 for New Jersey Skylands. However, Travelers won't necessarily be the most affordable company for everyone, since there are many different variables that are considered when it comes to your auto insurance bill.

Who is better, New Jersey Skylands or Travelers?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all boils down to your unique insurance profile.

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

Auto insurance companies take a look at lots of different factors when calculating the rates they charge policyholders. Variables such as gender, your driving record, where you live, age, and sometimes even things like your credit score can all come into play. Both New Jersey Skylands and Travelers calculate prices using different factors, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the car 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 make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be New Jersey Skylands or Travelers 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.