Best car insurance companies in Newark
For Newark drivers, there’s no single “cheapest” auto insurance provider. Car insurance quotes are determined based on several factors, meaning not every driver will receive the same rate.
To determine who offers the most affordable car insurance rates in Newark for you, it’s best to compare prices across dozens of insurance companies—and Jerry can help.
Jerry experts recently conducted one of the most extensive insurance shopping surveys in the industry, interviewing real policyholders on their experience with their current provider. Based on these results, we found that large-name providers such as Allstate and AAA in Newark often received lower-than-expected scores.
On the other hand, smaller providers, including Safeco and Travelers achieved some of the highest overall ratings. Take a look at the table below to see how these companies and more ranked, and their average premium costs.
| Insurance company | Overall rating | Average annual full coverage cost | Average annual minimum coverage cost |
|---|---|---|---|
| Safeco | 4.5 | $1,293 | $809 |
| Travelers | 4.6 | $1,571 | $490 |
| State Farm | 3.9 | $1,762 | $857 |
| Allstate | 4.1 | $2,065 | $1,602 |
| AAA | 4.2 | $2,658 | $1,523 |
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 to find the cheapest car insurance in Newark
On average, auto insurance in Newark costs about $154 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Newark drivers pay 1% less than the New Jersey average.
Jerry Insurance Agency is here to help Newark drivers with a valuable insurance comparison app, which efficiently reviews and analyzes multiple quotes, allowing you to quickly select the customized policy that meets both your needs and your budget.
|
Insurance Company
|
Age
|
Zip Code
|
Premium (monthly)
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Bristol West | 37 | 07108 | $635 | Infiniti Q50 Edition 30 | 25/50 | No |
| Bristol West | 23 | 07112 | $919 | Honda Accord Sport Special | 25/50 | No |
| Bristol West | 30 | 07112 | $537 | Kia Optima Sx | 25/50 | No |
| Progressive | 24 | 07107 | $404 | Honda Civic Ex | 50/100 | Yes |
| Bristol West | 26 | 07108 | $581 | Hyundai Sonata Se | 25/50 | Yes |
Best cheap car insurance quotes in Newark
For Newark drivers, there’s no single “cheapest” auto insurance provider out there—instead, you have to carefully shop around for the best priced personalized motorist coverage.
But we can point you in the right direction! To determine who offers the cheapest car insurance rates in Newark, Jerry conducted the most extensive insurance shopping survey in the industry.
Some research finds that GEICO offers the cheapest car insurance rates in Newark, but many users report that these low introductory rates increase significantly after a claim is filed, making the premiums much less affordable.
Your coverage rates are highly personalized based on your individual needs and circumstances and will vary greatly from your friends’ and neighbors’ rates in Newark.
Cheap minimum liability insurance quotes in Newark
In Newark, the current minimum coverage requirements for standard liability insurance are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability coverage.
- $15,000 per person in personal injury protection (PIP) coverage
You’ll commonly see this referred to as the 25/50/25 rule.
Do you need more than minimum coverage in Newark?
Liability coverage is the part of car insurance that pays for the injuries or damage you cause in an at-fault accident. But there’s a good chance that the damage will exceed the 25/50/25 limits established by New Jersey insurance laws.
For this reason, Newark drivers should purchase a more robust liability insurance policy.
Cheap full coverage car insurance quotes in Newark
In Newark, drivers are not legally required to carry full coverage car insurance (although auto loan providers typically require it before completing a vehicle sale), but that doesn’t mean the coverage isn’t valuable.
Full coverage includes comprehensive and collision coverage to pay for damages to your vehicle in the event of an at-fault accident or non-collision-related event (like vandalism, natural disasters, and even theft).
|
Liability Limits
|
Has Full Coverage
|
Age
|
Zip Code
|
Insurance Company
|
Premium (monthly)
|
Car
|
|---|---|---|---|---|---|---|
| 25/50 | Yes | 42 | 07105 | Bristol West | $872 | Volkswagen Tiguan S |
| 25/50 | Yes | 32 | 07102 | Bristol West | $1,476 | Bmw 750 Xi |
| 25/50 | Yes | 27 | 07105 | Bristol West | $1,799 | Land Rover Range Rover Evoque S |
| 25/50 | Yes | 38 | 07112 | Bristol West | $747 | Bmw X3 Xdrive30I |
| 25/50 | Yes | 58 | 07108 | Bristol West | $414 | Kia Soul Lx |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Newark, New Jersey
Newark car owners can expect to spend an average of $150 per month and $1,800 per year on full-coverage car insurance, or $154 per month and $1,848 per year on liability-only coverage.
It’s important to keep in mind that these numbers are just estimated averages for the “average” Newark driver. The actual rates you’ll pay depend on a wide variety of factors, including your vehicle type, driving record, claims history, exact location, credit score, and more. Your insurance costs could be significantly more or less than the averages articulated above.
Car insurance quotes in Newark by rating factors
Insurance companies in Newark use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The type of car you drive: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
Cheap car insurance quotes in Newark after driving violations
Your driving history plays a significant role in determining the quotes for your auto insurance.
If insurance companies observe a track record of violations, they consider you to be a high-risk driver, resulting in higher insurance premiums being charged.
Cheapest car insurance in Newark after speeding ticket
In Newark, speeding violations are typically categorized into different levels based on the extent to which the speed limit was exceeded. These levels often include 1-5 MPH over the limit, 6-10 MPH over the limit, 11-15 MPH over the limit, 16-20 MPH over the limit, and exceeding the speed limit by more than 21 MPH.
While receiving a speeding ticket in Newark is likely to result in increased insurance premiums, Jerry is an excellent resource for helping you find ways to minimize your costs.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding 16-20 | Bristol West | $382 | 47 | 07104 | Jeep Grand Cherokee Lared | 25/50 | No |
| Speeding 1-5 | Bristol West | $243 | 30 | 07103 | Hyundai Santa Fe Gls | 25/50 | No |
| Speeding Violation-Minor | Progressive | $409 | 50 | 07104 | Hyundai Sonata Se | 25/50 | No |
| Speeding 1-5 | Progressive | $737 | 22 | 07104 | Chevrolet Malibu L | 25/50 | Yes |
| Speeding Violation-Minor | Progressive | $648 | 26 | 07114 | Honda Pilot Lx | 25/50 | Yes |
Cheapest car insurance in Newark after DUI
In Newark, DUI violations are taken very seriously and thus generally result in a significant increase in car insurance rates compared to other violations.
Finding the cheapest insurance options after a DUI often requires comparing car insurance quotes from multiple insurers, and Jerry can simplify the process of finding the lowest rates.
Cheapest car insurance in Newark after an at-fault accident
Your history of car accidents or claims heavily impacts your car insurance rates.
For every Newark driver, insurance companies thoroughly examine previous at-fault accidents to determine the level of risk. If you have recently been involved in an at-fault accident, it is likely that your car insurance rates will see a significant increase.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With Injury | Bristol West | $1,476 | 32 | 07102 | Bmw 750 Xi | 25/50 | Yes |
| At Fault With No Injury | Bristol West | $1,799 | 27 | 07105 | Land Rover Range Rover Evoque S | 25/50 | Yes |
| At Fault With No Injury | Bristol West | $1,329 | 27 | 07108 | Nissan Altima 2.5 | 25/50 | No |
| At Fault With No Injury | Progressive | $816 | 24 | 07107 | Hyundai Elantra Sel | 25/50 | Yes |
| At Fault With No Injury | Bristol West | $382 | 47 | 07104 | Jeep Grand Cherokee Lared | 25/50 | No |
Cheapest car insurance in Newark after other driving violations
Apart from speeding tickets and DUIs, other violations—such as reckless driving and driving with a suspended license—can result in increased car insurance costs in Newark.
Jerry has helped drivers with various driving violations find affordable car insurance quotes from great providers.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Careless Driving | Bristol West | $919 | 23 | 07112 | Honda Accord Sport Special | 25/50 | No |
| Other Major | Bristol West | $537 | 30 | 07112 | Kia Optima Sx | 25/50 | No |
| Careless Driving | Bristol West | $503 | 29 | 07106 | Hyundai Elantra Se | 25/50 | No |
| Careless Driving | Bristol West | $3,715 | 63 | 07103 | Toyota Highlander Hybrid Xle | 25/50 | Yes |
| Careless Driving | Bristol West | $1,410 | 48 | 07106 | Mercedes-Benz Gle 350 4Matic | 25/50 | Yes |
Cheap car insurance quotes in Newark by age
Teen drivers in Newark are generally the least experienced motorists on the road, which means they’re a higher risk to insurance companies. For this reason, young people tend to pay the highest rates in Newark, with premiums decreasing after they reach the age of 25.
Conversely, rates will start to go up again around the age of 75.
Cheapest car insurance in Newark for young drivers
16 to 19 year olds pay the highest car insurance premiums in Newark when compared to other age groups.
If you’re a teen driver in Newark with a newer vehicle (or an older driver with a provisional license) it’s important to invest in full coverage insurance—especially due to the higher likelihood of young drivers to be involved in a collision.
Full coverage insurance may cost more, but it provides essential financial protection after an accident. And Jerry can help you find savings on a great policy!
Cheapest car insurance in Newark for senior drivers
Typically, senior drivers tend to pay some of the cheapest rates—until they reach their mid-70s. While more experienced on the road, motorists over the age of 70 are seen as higher liabilities on the road due to their increased risk of accidents and greater likelihood of serious injury in a crash. But that doesn’t mean affordable coverage is off the table if you’re an older driver.
Cheap car insurance quotes in Newark based on insurance history
Your insurance history plays a crucial role in determining your car insurance rates—specifically, whether you currently have coverage or not.
Newark drivers with a policy lapse usually have higher insurance rates. To assist customers in making timely insurance payments and avoiding coverage lapses, Jerry sends payment reminders to eligible Newark customers. These reminders are sent when a payment is approaching or overdue.
We have successfully helped countless drivers in Newark who are currently uninsured or have experienced coverage lapses in finding affordable coverage.
Cheap car insurance quotes in for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 550-659 | Bristol West | $872 | Rena, 42, Newark, NJ | Volkswagen Tiguan S | 25/50 | Yes |
| <550 | Progressive | $332 | Maude, 47, Newark, NJ | Ford Explorer Limited | 25/50 | No |
| 550-659 | Bristol West | $1,476 | Esther, 32, Newark, NJ | Bmw 750 Xi | 25/50 | Yes |
| 550-659 | Progressive | $580 | Lilly, 23, Newark, NJ | Honda Accord Sport Special | 25/50 | No |
| 660-750 | Progressive | $160 | Bradley, 22, Newark, NJ | Honda Accord Ex | 25/50 | No |
Cheap car insurance quotes in Newark for popular cars
If you’re a Newark driver shopping for a vehicle that will keep your car insurance rates as low as possible, don’t opt for a luxury SUV or sports car. Instead, look at popular makes and models like:
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Honda Civic Ex | Progressive | $404 | 24 | 07107 | 50/100 | Yes |
| Nissan Rogue S | Progressive | $1,075 | 18 | 07103 | 25/50 | No |
| Honda Civic Ex | Bristol West | $267 | 32 | 07114 | 25/50 | No |
| Honda Civic Lx | Progressive | $369 | 51 | 07104 | 25/50 | Yes |
| Honda Civic Ex | Bristol West | $332 | 28 | 07106 | 25/50 | No |
How to lower car insurance costs in Newark
1. Shop around and compare quotes
Finding car insurance is a pain—and you’re probably overpaying. But getting quotes from multiple companies is the only way to guarantee that you’re actually getting the best rate.
Newark drivers can compare quotes quickly with the Jerry app. If you have a smartphone and 60 seconds, you can find the best rates in Newark for your unique driver profile. The service is 100% free and you could save a ton of money by shopping around.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the options vary. Some discounts common to most companies include:
- Good driver discounts. If you have a squeaky clean driving record, you could unlock a good driver discount. This means no at-fault accidents and minimal points on your record. At some companies, it’s called a safe driver discount.
- Telematics discounts. With discounts just for signing up, telematics programs are an easy way to save money. They track your driving behavior and reward you for safe behavior!
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance in Newark, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Newark so expensive?
- Personal injury protection (PIP) coverage requirement: New Jersey is a no-fault insurance state, which means that drivers in Newark are required to have PIP coverage. PIP coverage provides medical benefits for injuries sustained in auto accidents, and the cost of this coverage can contribute to higher insurance premiums.
- Auto theft rates: Some areas have higher rates of auto theft, which increases the risk of vehicle loss or damage. Insurers may charge higher premiums to compensate for the elevated risk.
- Lawsuits and litigation: New Jersey has a higher prevalence of lawsuits and litigation related to auto accidents compared to other states. This can increase insurance costs for Newark drivers as insurers need to allocate funds for potential legal expenses and settlements.
FAQ
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Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
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.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
