Prudential Car Insurance Review [2020]

If you’re looking for Prudential car insurance, Prudential Insurance Company specializes in life insurance policies and only offers car insurance through outside agents. Is Prudential a good insurance company? The company has been in business since 1875 and has an A+ rating with the Better Business Bureau (BBB) and A.M. Best. Learn more in this review on Prudential car insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 2021

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Company Details
Address: 213 Washington Street
City: Newark
State: NJ
ZIP Code: 07102
Phone Number: 800-513-0805
Year Founded: 1875
AM Best Rating: A+ (Superior)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Prudential offers a variety of insurance policies including car and homeowners insurance
  • Coverage availability will vary according to the state in which you live
  • Prudential provides car insurance through contracts with other companies

Is Prudential a good insurance company? This review on Prudential car insurance can help you decide. Prudential Insurance’s headquarters is located in Newark, NJ.

Prudential is a joint-stock company that operates partially through Prudential Insurance stock. Does Prudential have auto insurance? While they do still offer life insurance, the company does not offer auto insurance policies in a typical fashion as do companies like Progressive auto insurance.

Though they don’t offer car insurance directly, Prudential Insurance offers car insurance through other insurance providers. For example, Prudential Insurance provides car insurance in the state of New Jersey through Plymouth Rock Car Insurance in Newark, although the two companies operate independently.

Before starting this review on Prudential car insurance, start comparing cheap car insurance quotes from the best car insurance companies right now by entering your ZIP code in the box above.

Prudential Car Insurance Rates

What is the best car insurance for the money? While price isn’t always the deciding factor when it comes to choosing a car insurance policy (things like Prudential car insurance customer service and your car insurance history are also important), it’s usually one of the most important.

Because you won’t find cheap Prudential car insurance quotes, we’ve put together a table giving the average car insurance rates by coverage type as a baseline.

Average Annual Car Insurance Rates by Coverage Type
Types of Car Insurance CoverageAverage Annual
Car Insurance Rates
Comprehensive$150.36
Collision$299.73
Liability$516.39
Full$954.99
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It’s important to remember that these are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, and ZIP code.

You are not obligated to accept any offer that is extended to you if you’re not comfortable with the terms.

You may be happy with the monthly premiums an insurance company offers, but the down payment may be too expensive. You can always ask your Prudential insurance agent to check with another carrier.

What is Prudential availability by state?

Prudential has property and casualty agents that handle Prudential auto insurance policies that are available through companies that specialize in car insurance. What is the definition of property and casualty insurance? It protects you from financial responsibility for damage caused to your property, as well as damage you cause to others or their property. The availability of products and coverages varies by carrier and state.

Your Prudential agent makes car insurance available to you by researching plans through the many companies with which they are contracted to do business.

Most agents are affiliated with several major carriers that are licensed to sell insurance products in your state and can help you customize a plan that is suitable for your policy needs.

So if you’re wondering, “Is there a Prudential Car Insurance near me?” chances are the answer is yes. You make your payments to Prudential, and they forward a percentage of the payment to the actual carrier. Prudential’s property and casualty division is based in New Jersey.

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Prudential Car Insurance Coverages Offered

One thing you’ll need to ask yourself before purchasing your car insurance policy is, “How much insurance coverage do I need?”

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by the car insurance laws in your state of residence.

If you decide that you need more than the minimum coverage required by the state, there are several different options available to you as additional coverage. The table below shows some of the different types of policies and coverages available to you, along with what they do.

Types of Car Insurance Coverage
Car Insurance Coverage TypesPurpose of Coverage
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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What are the different types of car insurance? You can watch the video below to get a better understanding.

Always check with your insurance company to see what add-ons, endorsements, and riders are available to you and make sure to take into account price and need when adding these things onto your insurance policy.

What are Prudential’s bundling options?

Many car insurance providers offer bundling options. Bundling your insurance refers to purchasing multiple policies from the same company. For example, you can purchase your car insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from 5 to 25 percent if you choose to bundle.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying car insurance for multiple vehicles. Car insurance companies offer up to a 25 percent multi-car discount on combined policies.

What are discounts offered by Prudential?

Generally, your car insurance discount options will depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common car insurance discounts available, an estimate of how much money each can save you, as well as the major car insurance companies that offer the discount.

Common Car Insurance Discounts Offerd by Companies
Car Insurance Discounts AvailableSavings PercentagesCompanines Offering Discount
Defensive driving discount10%–15%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
Good student discount5%–25%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Homeowner discount3%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Military and federal employee discount8%–15%Geico, Esurance, USAA
Safe driver discount10%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount5%–10%Geico, Allstate, Liberty Mutual
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As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for, as they can save you a lot of money on your car insurance.

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What programs are available from Prudential?

As mentioned earlier, Prudential does not offer car insurance directly through the company, but rather through other insurance agents affiliated with Prudential. The Prudential Insurance Company specializes in all of the following types of policies:

  • Life Insurance
  • Retirement Pension Plans
  • Group Disability and Life Insurance
  • Annuities
  • Mutual Funds and Investments
  • Long-Term Care Policies

The company was well known for its television commercials at one time, and chances are you’ve seen the Prudential Insurance logo many times. Take a look at the video below to watch a vintage television ad about life insurance from Prudential Insurance Company.

Keep reading to learn more about Prudential Insurance.

Canceling Your Prudential Car Insurance Policy

What should you do if you need to cancel your policy? You can watch the video below to get an idea of what to expect should you need to cancel your car insurance policy.

Keep reading to learn more.

Is there a refund?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, you should always check with your insurance agent to see what factors apply to you.

How do you cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid in.

When can I cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.

How to Make a Prudential Car Insurance Claim

What is a car insurance claim? What should you do if you need to file an insurance claim? Unfortunately, since Prudential doesn’t offer car insurance directly, if you ever needed to file a claim, you would not be able to do so on the Prudential website.

In order to file a car insurance claim with Prudential, you would have to contact your actual car insurance provider. All other types of Prudential car insurance claims can be filed online using a Prudential car insurance login or by contacting the company directly at the Prudential auto insurance phone number: 1-800-944-8786.

Watch the video below to get an idea of what you can expect during the claims process.

Keep reading to learn more about Prudential car Insurance.

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Prudential: Car Insurance Ratings

What is the rating of Prudential Insurance Company? Prudential Insurance Company has an A+ rating with the Better Business Bureau (BBB) and an A+ (Superior) rating with A.M. Best, a credit rating agency that measures a company’s financial strength. NerdWallet ranks Prudential 12th on its list of the 20 top life insurance providers.

The Bottom Line

Of course, it’s always important to shop around for the biggest bang for your buck.

You can also make conscious efforts to keep your monthly payments lower.

Having a higher deductible, a good driving record, and components like airbags and alarm systems are a few ways you can lower your costs. Now that you know everything you need to know about Prudential car insurance, we hope that you’ll feel more confident in purchasing your policy.

Which part of this guide was the most helpful for you? Now that’s you’ve finished this review on Prudential car insurance, enter your ZIP code below and start comparing FREE car insurance quotes now.

Frequently Asked Questions: Prudential Insurance

In this section, we answer some of the most commonly asked questions about the Prudential Insurance Group’s car insurance policies. Some of the answers may have been covered in part or in full in the guide above, but if there’s something else you want to know, take a look below to see if your question has been addressed.

#1 – How does adding drivers to my car insurance policy affect my rates?

Adding another driver to your car insurance policy means that your car will be spending more time on the road, as multiple people will be driving it. That alone is enough to raise your rates, but adding someone else to your car insurance policy also means that your rates will be affected by that driver’s perceived risk, as well.

For example, adding a teenager to your policy can raise your car insurance rates drastically since teenage drivers are inexperienced and car insurance companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.

There are restrictions as to who you can add to your car insurance policy.

Most companies will only allow you to add people in the same household to your policy. Always talk to your insurance provider about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.

#2 – Why would my provider cancel my car insurance policy?

Your car insurance provider may cancel your policy if you do any of the following:

  • Fail to pay your car insurance premium
  • Have your driver’s license suspended or revoked
  • Lie during the application process

Also, if you’re found to be a high-risk driver, your car insurance company may choose not to renew your policy.

#3 – Are there benefits to using an agent to purchase car insurance?

While it’s possible to purchase your car insurance policy directly instead of through an agent, there are some possible downsides to doing so.

First of all, if you choose to go with a local agent, you will get the advantage of more personalized service.

This experience is just not possible when you purchase directly from a large company. With a local agent, you may even speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the amount of money these companies spend on direct marketing. That can even out the playing field, meaning that a local agent can often offer you the same price you could get buying directly from the company.

#4 – What kinds of questions should I be prepared for when purchasing my car insurance policy?

When you apply for a car insurance policy, you’ll be asked a series of demographic questions such as your name, age, sex, etc. You will also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your financial background, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past.

Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates. This is known as the underwriting process.

By using this method of risk evaluation, car insurance companies are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.

#5 – Does the Prudential Insurance Group offer SR-22 insurance?

If you’ve had more than your fair share of traffic citations, automobile accidents, and/or car insurance claims, you may be considered a high-risk driver.

Normally, high-risk drivers are required to purchase SR-22 insurance, which is not available through all companies, so it may take some looking around to find coverage.

The filing fee to get SR-22 insurance is only $15-$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is definitely not pocket change.

Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.

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