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Finding the cheapest car insurance quotes in Newark shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Newark
The car insurance rate in Newark is $1487 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $881, making it a popular choice for budget-conscious drivers. Rates in Newark can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $881 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1127 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Cal Casualty
Cal Casualty offers auto insurance
rates at $1165
for six months, making it
the third cheapest auto insurance company in Newark.
Newark Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Newark, DE is Travelers, offering policies at just $881 for a six-month term. This is followed by USAA, which has an average six-month premium of $1127.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2603 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Newark drivers find the best deals.
The auto insurance costs in Newark fall around $881 for six
months.
The cheapest auto insurance company in Newark is Travelers.
Teen drivers pay the highest rate in Newark at $1797 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Newark
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Newark are given below.
Travelers provides
the cheapest minimum car insurance
coverage in Newark. Their Average 6 Month Premium is $343.
Encompass is the most
expensive at $641 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Newark is Travelers
at $148 per month and $881
for six months.
Cheapest Full Coverage Car Insurance Quotes in Newark,
DE
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Newark, DE increasing?
Despite maintaining a clean driving record, your car insurance rates
in Newark, Delaware, may be increasing due to several external factors.
Delaware has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Newark's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Newark
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Newark,DE
If you are planning to get a car insurance policy for your teenage
dependent, State Farm provides the cheapest car
insurance in the Newark at $413
per
month. At $10787 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Newark.
As young drivers face the highest rates in Newark, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Newark,
Progressive is
the cheapest car insurance provider. At $1469 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Newark is Sentry, offering
rates of around $5477 for six
months.
Save up to $971/yr on car insurance rates in Newark.
Car Insurance Rates with An Accident in Newark
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Newark, DE,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Newark
The cheapest car insurance companies after an at-fault accident in
Newark include USAA
and California Casualty, offering $803
and $848,
respectively. Sentry is an expensive provider
with an average six-month premium of
$7252.
Here is a list of driving violations that can increase your car
insurance rates in Newark DE. For example, the car
insurance in Newark
after a DUI increases to $1192 for a six
month policy. While the rate increases by $305 for a six-month policy in the case of
a speeding ticket.
Newark auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1385
$231
One Med/PIP claim
$1385
$235
Two Med/PIP claims
$1418
$237
One comp claim
$1431
$243
Not-at-fault accident
$1457
$243
Two comp claims
$1469
$250
Failure to show documents
$1579
$264
Driving with expired registration
$1651
$281
Failure to wear a seat belt
$1651
$275
Child safety restraint
$1671
$284
Driving without lights
$1671
$278
Speeding 11 - 15 MPH over limit
$1690
$288
Speeding 6 - 10 MPH over limit
$1690
$281
Driving too slowly
$1703
$290
Speeding in school zone
$1703
$283
Cell phone violation
$1709
$291
Following too closely
$1709
$284
Speeding 16 - 20 MPH over limit
$1709
$291
Texting while driving
$1709
$284
At-fault accident - less than $1000
$1729
$294
Failure to stop at a red light
$1729
$288
Failure to yield
$1729
$294
Illegal turn
$1729
$288
Improper passing
$1729
$294
Wrong way/wrong lane
$1729
$288
Speeding 21 - 25 MPH over limit
$1748
$298
Passing school bus
$1775
$295
Open container
$1878
$319
At-fault accident - $1000-$2000
$1910
$318
At-fault accident - greater than $2000
$1929
$328
In 65 MPH zone
$1942
$324
Operating a vehicle without permission
$1982
$337
Reckless driving
$2499
$416
Refusal to submit to a chemical test
$2557
$435
Driving with a suspended license
$2570
$428
DUI
$2577
$438
Racing
$2609
$435
Leaving scene of an accident/hit and run
$2693
$458
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Newark after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Newark.
The cheapest car insurance premiums in
Newark are
offered by Progressive at $1425 for a six-month policy.
However, it can be as
expensive as $5614 with companies
like Sentry.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Newark are offered by American Family
at $712. However,
it can be as expensive as $8009
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Newark after Speeding ticket
Car insurance rates in Newark have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Newark rose by
$438 in January
compared to $358 of December. In other words, there has been an increase by $80 when you
compare January and December.
The average cost of liability insurance in the Newark dipped to $86 in January,
compared to $97 in December.
This represents an decrease of $11
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Newark. At $2021 for a
six-month policy, insuring
your car at 19711 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
19711
$2021
$339
19717
$1516
$254
19716
$1486
$249
19713
$1798
$302
19702
$2051
$344
Frequently Asked Questions
How much is car insurance in Newark?
The car insurance in Newark is $58 per month, which is lower than the national average.
What is the cheapest car insurance in Newark?
The cheapest car insurance in Newark
is $148 per month
for full coverage.
How much is car insurance in Newark for teenagers?
Car insurance for teenagers costs $2454 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Newark?
The average cost of car insurance is $1364 for a six-month
policy. It will cost around $250 per month to insure your
car in Newark.
Is car insurance expensive in Newark?
Car insurance can be expensive in Newark if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Newark can be
affordable.
What is the best car insurance in Newark,
DE?
The best car insurance company in Newark
DE is
Travelers, offering $881 for a
six-month policy.
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