Newark drivers must contend with constant congestion, perpetual construction and those famous jughandles that require drivers to pull off to the right in order to turn left. Locals know how to use them, but a traveler who just picked up a rental car at the airport may not.
Before you hit the streets, it’s wise to purchase a quality car insurance policy. We’ve gathered quote data from real drivers in Newark to show you how you can expect rates to change based on your age, preferred coverage level and driving history.
Cheapest minimum coverage insurance in Newark
New Jersey requires drivers to carry the following minimum coverage, which the state refers to as a “basic” policy:
- $5,000 in property damage liability.
- $15,000 in personal injury protection, or PIP, per person per accident.
Drivers can purchase a “standard” policy for additional coverage, but it’s not required. This policy includes:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $15,000 in PIP per person per accident.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $48 | $574 | Progressive | 48 | May 21, 2024 | Newark, NJ | 07106 |
| $49 | $584 | Progressive | 30 | February 26, 2025 | Newark, NJ | 07103 |
| $52 | $628 | Dairyland | 30 | February 26, 2025 | Newark, NJ | 07103 |
| $61 | $726 | The General | 55 | November 22, 2023 | Newark, NJ | 07106 |
| $68 | $818 | The General | 51 | December 7, 2023 | Newark, NJ | 07108 |
| $82 | $978 | Bristol West | 51 | December 7, 2023 | Newark, NJ | 07108 |
| $82 | $982 | Bristol West | 50 | January 5, 2025 | Newark, NJ | 07105 |
| $85 | $1,016 | Infinity | 50 | March 2, 2025 | Newark, NJ | 07105 |
| $88 | $1,058 | First Acceptance | 50 | January 5, 2025 | Newark, NJ | 07105 |
| $93 | $1,118 | Embark General | 50 | January 5, 2025 | Newark, NJ | 07105 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Newark
Full coverage consists of collision and comprehensive coverages, which protect you in situations such as theft, fire, flooding or in an accident that damages your vehicle. Here are the cheapest quotes for full coverage in Newark, based on Jerry’s data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $111 | $1,330 | Bristol West | 51 | December 11, 2023 | Newark, NJ | 07108 |
| $111 | $1,330 | Bristol West | 51 | December 6, 2023 | Newark, NJ | 07108 |
| $134 | $1,602 | Progressive | 68 | January 20, 2025 | Newark, NJ | 07103 |
| $137 | $1,644 | Progressive | 68 | October 21, 2024 | Newark, NJ | 07103 |
| $138 | $1,650 | Progressive | 68 | October 2, 2024 | Newark, NJ | 07103 |
| $140 | $1,676 | The General | 51 | January 10, 2024 | Newark, NJ | 07108 |
| $141 | $1,694 | Gainsco | 44 | December 24, 2024 | Newark, NJ | 07112 |
| $143 | $1,712 | The General | 51 | December 6, 2023 | Newark, NJ | 07108 |
| $143 | $1,712 | The General | 51 | December 11, 2023 | Newark, NJ | 07108 |
| $162 | $1,946 | Progressive | 57 | February 25, 2025 | Newark, NJ | 07105 |
Cheapest car insurance for young drivers in Newark (18-29 years old)
Car insurance tends to be priciest for newer, younger drivers, though rates typically decrease once they reach their late 20s. Because age is a factor that helps insurers determine your premium, drivers in their teens and 20s may need to shop around to find the best rate. Here are some of the cheapest quotes young drivers in Newark have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $140 | $1,679 | Aspen | 25 | No | March 13, 2024 | Newark, NJ | 07108 |
| $140 | $1,682 | Progressive | 29 | No | December 5, 2023 | Newark, NJ | 07107 |
| $151 | $1,810 | Progressive | 29 | No | November 15, 2023 | Newark, NJ | 07105 |
| $160 | $1,922 | Progressive | 23 | No | December 15, 2024 | Newark, NJ | 07103 |
| $163 | $1,959 | Progressive | 29 | Yes | May 31, 2024 | Newark, NJ | 07106 |
Cheapest car insurance for mature drivers in Newark (30-54 years old)
Drivers between 30 and 54 years old typically get lower rates than drivers under 30. Here are the cheapest rates that mature drivers in Newark have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $48 | $574 | Progressive | 48 | No | May 21, 2024 | Newark, NJ | 07106 |
| $49 | $584 | Progressive | 30 | No | February 26, 2025 | Newark, NJ | 07103 |
| $52 | $628 | Dairyland | 30 | No | February 26, 2025 | Newark, NJ | 07103 |
| $68 | $818 | The General | 51 | No | December 7, 2023 | Newark, NJ | 07108 |
| $82 | $978 | Bristol West | 51 | No | December 7, 2023 | Newark, NJ | 07108 |
Cheapest car insurance for older drivers in Newark (55+ years old)
Drivers in their mid-50s and older typically pay the lowest premiums, though rates may rise as drivers reach their 70s. Check out the table below to see the cheapest quotes that older drivers in Newark have received through Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $61 | $726 | The General | 55 | November 22, 2023 | Newark, NJ | 07106 | No |
| $104 | $1,250 | Progressive | 75 | March 8, 2024 | Newark, NJ | 07106 | No |
| $105 | $1,262 | Progressive | 56 | October 9, 2023 | Newark, NJ | 07103 | No |
| $113 | $1,360 | Progressive | 55 | February 14, 2024 | Newark, NJ | 07105 | No |
| $122 | $1,464 | Progressive | 64 | February 23, 2024 | Newark, NJ | 07107 | No |
Cheapest car insurance for drivers with clean records in Newark
A clean driving history helps ensure you’re getting the lowest car insurance premium possible. Take a look at the cheapest quotes that drivers in Newark with clean records have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $49 | $584 | Progressive | 30 | February 26, 2025 | No | Newark, NJ | 07103 |
| $52 | $628 | Dairyland | 30 | February 26, 2025 | No | Newark, NJ | 07103 |
| $61 | $726 | The General | 55 | November 22, 2023 | No | Newark, NJ | 07106 |
| $68 | $818 | The General | 51 | December 7, 2023 | No | Newark, NJ | 07108 |
| $82 | $978 | Bristol West | 51 | December 7, 2023 | No | Newark, NJ | 07108 |
Cheapest car insurance for drivers with low credit scores in Newark
Insurers can use your credit to help determine your car insurance premium in New Jersey, which often means that drivers with low credit scores pay higher rates. Here are the cheapest quotes that Jerry customers in Newark with credit scores below 550 have received.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $68 | $818 | The General | 51 | December 7, 2023 | Newark, NJ | 07108 |
| <550 | $82 | $978 | Bristol West | 51 | December 7, 2023 | Newark, NJ | 07108 |
| <550 | $108 | $1,300 | Progressive | 51 | December 7, 2023 | Newark, NJ | 07108 |
| <550 | $111 | $1,330 | Bristol West | 51 | December 6, 2023 | Newark, NJ | 07108 |
| <550 | $111 | $1,330 | Bristol West | 51 | December 11, 2023 | Newark, NJ | 07108 |
Cheapest car insurance for drivers with at-fault accidents in Newark
Your insurance costs are likely to rise after an at-fault accident, but the amount of the increase may vary by insurer. Your current insurer may not give you the best quotes, so it’s worth your time to shop around. This table shows the most affordable quotes that Jerry customers in Newark with at-fault accidents on their records have received.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With Injury | $48 | $574 | Progressive | 48 | No | May 21, 2024 | Newark, NJ | 07106 |
| At Fault With No Injury | $82 | $982 | Bristol West | 50 | No | January 5, 2025 | Newark, NJ | 07105 |
| At Fault With No Injury | $85 | $1,016 | Infinity | 50 | No | March 2, 2025 | Newark, NJ | 07105 |
| At Fault With No Injury | $88 | $1,058 | First Acceptance | 50 | No | January 5, 2025 | Newark, NJ | 07105 |
| At Fault With No Injury | $93 | $1,118 | Embark General | 50 | No | January 5, 2025 | Newark, NJ | 07105 |
Cheapest car insurance for drivers with speeding tickets in Newark
A speeding citation is likely to cause your car insurance premium to rise. If you’ve recently received a citation, compare quotes from multiple insurers to find the cheapest option. Here are the cheapest quotes that Jerry customers in Newark have received.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $195 | $2,342 | Bristol West | 43 | January 16, 2024 | Newark, NJ | 07104 |
| Speeding over 15 | $210 | $2,522 | Progressive | 43 | October 24, 2024 | Newark, NJ | 07103 |
| Speeding under 15 | $242 | $2,900 | Progressive | 67 | September 3, 2024 | Newark, NJ | 07114 |
| Speeding under 15 | $243 | $2,920 | Bristol West | 31 | November 22, 2024 | Newark, NJ | 07103 |
| Speeding under 15 | $289 | $3,469 | Progressive | 33 | November 14, 2023 | Newark, NJ | 07104 |
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
