Cheapest car insurance in Newark, New Jersey (Nov 2024)

Written by Maria Cruz and 2 others
Nov 25, 2024
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Cheapest car insurance in Newark, New Jersey (Nov 2024)

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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 companyOverall ratingAverage annual full coverage costAverage annual minimum coverage cost
Safeco4.5$1,293$809
Travelers4.6$1,571$490
State Farm3.9$1,762$857
Allstate4.1$2,065$1,602
AAA4.2$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
Progressive 18 07103 $1,075 Nissan Rogue S 25/50 No
Bristol West 29 07106 $1,027 Hyundai Elantra Se 25/50 Yes
Bristol West 37 07106 $1,049 Hyundai Elantra Limited 25/50 Yes
Progressive 37 07112 $715 Dodge Durango Limited 25/50 Yes
Bristol West 34 07112 $407 Jeep Compass Latitude 25/50 Yes
Last Updated Dec 5, 2024

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:

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 67 07108 Progressive $423 Ford F-150 Supercrew
50/100 Yes 32 07112 Bristol West $816 Kia Sportage Ex
25/50 Yes 26 07104 Bristol West $903 Tesla Model 3
50/100 Yes 25 07107 Bristol West $610 Honda Accord Lx
25/50 Yes 58 07106 Progressive $684 Nissan Sentra S
Last Updated Nov, 2024

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 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
Speeding 16-20 Progressive $210 42 07103 Toyota Camry Le 25/50 No
Last Updated Nov, 2024

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 No Injury Progressive $423 67 07108 Ford F-150 Supercrew 25/50 Yes
At Fault With No Injury Bristol West $816 32 07112 Kia Sportage Ex 50/100 Yes
Not At Fault Bristol West $610 25 07107 Honda Accord Lx 50/100 Yes
At Fault With No Injury Bristol West $243 30 07103 Hyundai Santa Fe Gls 25/50 No
Not At Fault Bristol West $556 42 07107 Toyota Rav4 Adventure 25/50 Yes
Last Updated Nov, 2024

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 $267 32 07114 Honda Civic Ex 25/50 No
Driving on Sus. License Bristol West $511 35 07106 Toyota Camry Le 25/50 No
Ticket Violation Not Listed Bristol West $591 32 07106 Acura Ilx 25/50 No
Careless Driving Progressive $369 51 07104 Honda Civic Lx 25/50 Yes
Other Minor Progressive $252 25 07107 Nissan Sentra S 25/50 Yes
Last Updated Nov, 2024

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 Bristol West $267 Fanny, 32, Newark, NJ Honda Civic Ex 25/50 No
550-659 Progressive $423 Helen, 67, Newark, NJ Ford F-150 Supercrew 25/50 Yes
<550 Bristol West $708 Eleanor, 18, Newark, NJ Tesla Model Y 25/50 No
550-659 Bristol West $816 Adele, 32, Newark, NJ Kia Sportage Ex 50/100 Yes
550-659 Bristol West $903 Mario, 26, Newark, NJ Tesla Model 3 25/50 Yes
Last Updated Nov, 2024

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 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
Honda Civic Lx Bristol West $274 39 07103 25/50 No
Nissan Rogue Krom Bristol West $264 33 07108 25/50 No
Last Updated Nov, 2024

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

  • What is the cheapest car insurance in Newark?
  • What is the best car insurance in Newark?
  • What is the minimum car insurance in Newark, New Jersey?
  • How much is car insurance in Newark?
MEET OUR EXPERTS
meet-experts-thumbnail
Maria Cruz

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.

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Sarah Gray

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.

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Josh Damico

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.

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.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.