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Jerry Data & Research
Cheapest car insurance in Newberry, Florida (Apr 2024)
Cheapest car insurance in Newberry, Florida (Apr 2024)
Jerry helps drivers in Newberry make the best choice of car insurance with free quotes from over 55 providers, plus verified customer ratings.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance in Newberry
- Cheapest Newberry car insurance for good drivers
- Best car insurance companies in Newberry
- Best cheap car insurance quotes in Newberry
- Average cost of car insurance in Newberry
- Car insurance quotes in Newberry by rating factors
- How do different factors impact your car insurance costs in Newberry?
- Cheap car insurance quotes in Newberry by age
- Cheap car insurance quotes in Newberry based on insurance history
- Cheap car insurance quotes in Newberry for popular cars
- How to lower car insurance costs in Newberry
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Newberry
In Newberry,
Florida
, car insurance
costs about $91 per month for minimum coverage liability insurance. Newberry’s insurance rates are about 20% higher than the rest of the state.Even so, comparing quotes can still help you save money. By showing you five to seven of the lowest car insurance quotes in Newberry,
Jerry
saves you time and money.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| National General | $156 | Stanley, 44 Zip: 32669 | Chevrolet Sonic LS | • State Minimum Liability • Comp / Collision |
| Assurance America | $241 | Aiden, 23 Zip: 32669 | Ford Mustang | • State Minimum Liability |
| Dairyland | $136 | Alvin, 37 Zip: 32669 | Ford F150 | • State Minimum Liability |
Last Updated Apr 25, 2024Cheapest Newberry car insurance for good drivers
Did you know that the amount you pay for car insurance depends on many things, like your age, where you live, and your driving history? It can be frustrating, especially since some of those things are out of your control. However, if you're a good driver and keep a clean driving record, you can save a lot of money on your insurance.
For example, if you live in Newberry and drive safely, you could save up to 40% on your insurance. And with
Jerry's DriveShield™
, you can track your driving and get discounts for being a safe driver. Lots of other drivers are already using DriveShield™ to save money on their insurance, so why not give it a try?Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Jonas, 25 | 94 | 35% | No |
|
Alejandra, 34 | 77 | 24% | No |
|
Jean, 44 | 85 | 29% | No |
|
Michelle, 54 | 97 | 38% | No |
|
Eric, 64 | 67 | 22% | No |
|
Best car insurance companies in Newberry
If you're looking for the lowest car insurance rates in Newberry, you might have heard that
State Farm
is the cheapest in Florida. However, according to a large survey conducted by Jerry, some people reported being overcharged and having their rates raised frequently. The truth is that the most affordable insurance company varies from person to person among the top five companies in Newberry, which are
GEICO
, Progressive
, Allstate
, USAA, and Liberty Mutual. To find the best car insurance provider for you, you should compare rates from all of these companies, as well as others like Assurance America and Safeco
. To help you out, here's how survey respondents in Newberry rated the biggest companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
Liberty Mutual | 4.6 | 4.2 | 4.7 | 4.5 |
| Progressive | 4.2 | 3.7 | 3.6 | 4.4 |
| State Farm | 4 | 3.3 | 3.7 | 4 |
| Geico | 3.9 | 3.1 | 3.4 | 4 |
| USAA | 3.9 | 2 | N/A | 4 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Best cheap car insurance quotes in Newberry
Florida’s car insurance laws mandate drivers carry a minimum amount of
personal injury protection (PIP)
and property damage liability (PD)
to legally drive. With PIP, any injuries to you and your passengers are covered regardless of who’s at fault, whereas with PDL, only the other driver’s property damages are covered if you were at fault.
Minimum coverage, however, might end up costing you more in the long run.
Cheap minimum liability insurance quotes in Newberry
Because Florida is a no-fault state, you need $10,000 each of PIP and PD to drive in Newberry.
Stick with
Florida's minimum auto insurance requirements
if affordable car insurance is your top priority. Extra coverage options will only increase your monthly premiums.With Jerry's help, Newberry drivers found the following deals for state minimum coverage:
Do you need more than minimum coverage in Newberry?
You should increase your Newberry minimum coverage limits, according to expert insurance agents.
Almost every state in the nation has higher minimum car insurance requirements than Florida. $10,000 of PIP insurance is only enough to cover minor, non-apparent injuries, and $10,000 of PDL insurance won't replace a total loss car.
Moreover,
Florida car accident laws
allow victims to file personal injury lawsuits up to four years after the crash, giving injuries and damages more time to develop.Bottom line: In Newberry, you should double or triple the amount of coverage on your auto insurance. Don’t worry, it won’t double or triple your rates.
Cheap full coverage car insurance quotes in Newberry
Full-coverage car insurance
refers to a coverage package that includes collision insurance
as well as comprehensive coverage
. In the event of an accident with another vehicle or a stationary object, collision insurance pays for your car to be repaired. It protects your car’s value even if you’re at fault.
When a motor vehicle is damaged by crime or weather, comprehensive coverage pays for repairs or replacements. Comprehensive coverage can be an important addition to your insurance policy if you live in an area prone to hail, high winds, or vandalism.
Lease or loan agreements typically require drivers to have full coverage car insurance. It’s a good idea for anyone whose car exceeds $3,000 in value.
Last Updated Apr 26, 2024The
Jerry Insurance Agency
and its team of 100+ licensed insurance agents can help you find cheap car insurance quotes quickly and easily.Average cost of car insurance in Newberry
Car insurance in Florida costs more than the national average. As for Newberry, the average minimum-liability car insurance policy costs $91 per month and $1,096 per year. For full coverage auto insurance, the average is $236 per month and $2,835 per year.
Calculating the average rate in Newberry is easy, but predicting individual quotes is not. Depending on your location and driving profile, each insurance company will calculate your car insurance premiums differently.
Car insurance quotes in Newberry by rating factors
Auto insurance providers need to look at your driver profile, not just where you live and drive. Several
rating factors
indicate your likelihood of getting into a car accident and making insurance claims in the future, such as:- Driving history: If you have a clean driving record and few insurance claims (or gaps), you'll enjoy lower premiums.
- Location: Some ZIP codes are more expensive than others.
- Mileage: As you drive more, your chances of getting into an accident increase, so a high mileage means a higher rate.
- Vehicle make and model: Insurers prefer to insure cars with low purchase prices and repair costs.
How do different factors impact your car insurance costs in Newberry?
How do different factors impact your car insurance costs in Newberry?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Florida currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Newberry:
Cheap car insurance quotes in Newberry after driving violations
Most of the information about your driving history is contained in your
Florida driving record
. If you commit lots of speeding violations or reckless driving
, you're considered a high-risk driver and hit with higher insurance rates. Cheapest car insurance in Newberry after speeding ticket
Florida speeding tickets
have increased consequences based on the number of miles per hour you exceed the legal limit. More severe tickets result in higher insurance rates, in addition to fines, jail time, and driver violation points.- 1-5 MPH over limit: No points
- 6-9 MPH over limit: 3 points
- 10-14 MPH over limit: 3 points
- 15-19 MPH over limit: 4 points
- 20-29 MPH over limit: 4 points
- 30 MPH or more over limit: 4 points and mandatory court appearance
Jerry helped drivers with speeding violations compare quotes and find providers in Newberry willing to offer them a great rate:
Last Updated Apr 23, 2024Cheapest car insurance in Newberry after DUI
As with speeding tickets, severe and repeated
DUIs in Florida
have higher fines, longer sentences, and longer license suspension and revocation periods. Obviously, none of these things are good for your car insurance rates. Drivers with DUIs in Newberry used Jerry to get free quotes, find a deal, and make the most of their situation.
Cheapest car insurance in Newberry after an at-fault accident
It’s crucial to keep a clean driving record in Florida to find low rates. As with other driving violations, the severity of any at-fault car crash determines the effects it’ll have on your record and auto insurance costs at renewal time.
In the table below, you can see how insurance rates differ for Jerry customers with at-fault and not-at-fault accidents:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $120 | Angel, 37 Zip: 32669 | Ford F150 | • State Minimum Liability |
Not At Fault | Bristol West | $137 | Elizabeth, 35 Zip: 32669 | Volkswagen Beetle | • No Coverage Liability |
At Fault With No Injury | Mercury | $238 | Amy, 23 Zip: 32669 | Ford Mustang | • State Minimum Liability |
Last Updated Apr 26, 2024Cheapest car insurance in Newberry after other driving violations
Take a look at the table below if you don't have a speeding ticket, DUI conviction, or accident on your record. Among the top providers in Newberry, Jerry helped drivers with different driving violations find these quotes:
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Yield | Progressive | $578 | Eddie, 22 Zip: 32669 | KIA Forte LX | • State Minimum Liability • Comp / Collision |
Careless Driving | Infinity | $535 | Laura, 22 Zip: 32669 | KIA Forte LX | • State Minimum Liability • Comp / Collision |
Failure to Yield | Infinity | $535 | Jon, 22 Zip: 32669 | KIA Forte LX | • State Minimum Liability • Comp / Collision |
Improper Passing | Bristol West | $200 | Mattie, 23 Zip: 32669 | Ford Mustang | • State Minimum Liability |
Last Updated Apr 26, 2024Cheap car insurance quotes in Newberry by age
Drivers between the ages of 25 and 75 typically receive the cheapest car insurance quotes. A young driver is more likely to be involved in an accident, while an older driver is at a higher risk of both injuries and accidents.
Young and old drivers can offset the increased cost of insurance by taking advantage of discounts, savings programs, and comparison shopping between different companies.
Cheapest car insurance in Newberry for young drivers
Teenagers between 16 and 21 pay more for coverage than any other age group.
Reducing coverage might seem like a good idea, but collision and comprehensive insurance are essential for repairing mistakes made by inexperienced drivers. If you want to save money, consider searching for student and safe driver discounts.
Cheapest car insurance in Newberry for senior drivers
Drivers approaching their 75th birthday are more likely to be involved in an accident and suffer serious injuries. To compensate, insurers raise rates for older drivers.
However, others tailor
car insurance plans for seniors
based on their lifetime of driving experience.
Cheap car insurance quotes in Newberry based on insurance history
Providers mostly care about car insurance lapses for two reasons: driving uninsured or missing payments.
Comparing quotes can help you find a company willing to insure drivers with spotty insurance histories. By partnering with the best companies in Florida, Jerry can show you the best rates in Newberry in a matter of minutes.
Maude (23 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$569
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Gainsco has given the cheapest price on vehicle insurance as well as kept their word on the quote.
Anna
Mercury auto insurance is the most affordable option and the service has been excellent.
Sean
Very happy with National Generals service. Was skeptical at first but they are great!
Jessica .
I searched for good car insurance and Progressive was the best deal I could find by far!
Alyssa
Cheap car insurance quotes in Newberry for drivers with poor credit
Credit scores are used by car insurance companies to determine whether you'll make more claims. Drivers with good credit scores (over 750) pay up to 20% less than those with poor credit scores (below 550).
In the table below, you can see how credit scores affect insurance premiums. Newberry drivers of all tiers got help from Jerry to find the best auto insurance quotes.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $120 | Dustin, 37 Zip: 32669 | Ford F150 | • State Minimum Liability |
Last Updated Apr 20, 2024Cheap car insurance quotes in Newberry for popular cars
Cars that are most expensive to insure are often made of luxury materials and use performance parts that are difficult to repair. Additionally, they tend to be expensive and technologically advanced.
Here are five of the most popular models among Florida drivers:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Nissan Altima | Progressive | $157 | Shawn, 27 Zip: 32669 | • State Minimum Liability |
Last Updated Apr 26, 2024How to lower car insurance costs in Newberry
1. Shop around and compare quotes
Researching the competition gives you a better chance of
finding a competitive insurance rate
. Take a look at three providers before settling on the cheapest car insurance company you can find.Comparing quotes from several companies takes time. Signing up for Jerry only takes 45 seconds, then you can get five to seven quotes in less than a minute for free.
2. Hunt for car insurance discounts
The benefits of
car insurance discounts
can last for years. There is no expiration date on a discount program as long as you meet the conditions.Get in touch with your insurance provider to learn about savings programs, and you could receive:
- Bundling discount: If you have homeowners insurance, you can save money with acar and home insurance bundle.
- Telematics: Some car insurance companies offer a program that uses a small device called telematics to track your driving habits. This device keeps track of how much you drive, when you drive, and how you drive. If you tend to brake suddenly and frequently, this program might not be the best fit for you. However, if you're a careful and cautious driver, this program could offer you a lower insurance rate as a reward for your good driving habits!
- Good student discount: Students with a B or higher average in high school and college are eligible for a discount on their car insurance.
- Safe driver discount: Insurance providers give better rates to good drivers. To incentivize good driving, some offer telematics programs and smartphone apps that track your driving habits and offer rewards.
3. Increase your deductible for comprehensive and collision coverage
Consider lowering your full coverage deductible to save on insurance.
FAQ
How much is car insurance in Newberry?
Car insurance in Florida costs more than the national average. As for Newberry, the average minimum-liability car insurance policy costs $91 per month and $1,096 per year. For full coverage auto insurance, the average is $236 per month and $2,835 per year.
You may receive higher or lower quotes depending on your driver profile and provider choice. Jerry lets customers compare auto insurance deals for free.
What is the cheapest car insurance in Newberry?
Because of the highly individualized factors that go into calculating insurance premiums, no one car insurance company will provide the cheapest rates for all drivers in Alpine. But, by comparing insurance quotes, you can find the one that suits you the best.
With Jerry, you don't have to go through the hassle of waiting for multiple quotes. The app generates quotes for you in seconds, and for free! You get the best coverage and prices without any effort. Give Jerry a try today!
What is the best car insurance in Newberry?
The best car insurance policy in Newberry offers the coverage you need at a price you can afford. You don’t need to lower your standards if you use Jerry, which gives you free quotes from over 55 trusted companies. Try Progressive, Arrowhead, and AmWINS if you want a highly-rated company.
What is the minimum car insurance in Newberry, Florida?
Newberry requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability insurance.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
