Cheapest Car Insurance Quotes in Newark

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406,175 Policies Sold

Newark Car Insurance

^$ 92

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 $1869 for a six-month policy, which is $631 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1166, 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.

Avg. Car Insurance in Newark

$1869

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Newark

1st place: New Jersey Manufacturers

At $1166 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1409 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1425 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, NJ is New Jersey Manufacturers, offering policies at just $1166 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1409.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3112 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.

Cheap Car Insurance Companies in Newark, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1166	$195
New Jersey Skylands Insurance	$1409	$240
NJM	$1425	$240
Plymouth Rock	$1552	$261
Progressive	$1632	$275
Travelers	$1740	$293
Amica Mutual	$1974	$329
Allstate	$2035	$343
State Farm	$2197	$370
Selective	$2322	$391
Farmers	$3112	$519

Key Takeaways

Way's key takeaways about car insurance in Newark

The auto insurance costs in Newark fall around $1166 for six months.
The cheapest auto insurance company in Newark is New Jersey Manufacturers.
Teen drivers pay the highest rate in Newark at $1579 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Newark. Their Average 6 Month Premium is $538. Farmers is the most expensive at $1552 for the same period.

Cheapest Liability Coverage in Newark, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$538	$92
Plymouth Rock	$726	$122
NJM	$744	$125
New Jersey Skylands Insurance	$790	$131
Amica Mutual	$808	$137
Amica	$924	$154
Progressive	$924	$156
Travelers	$951	$160
State Farm	$995	$168
Allstate	$1104	$186
Selective	$1229	$207
Farmers	$1552	$258

Cheapest Full Coverage Car Insurance in Newark

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 New Jersey Manufacturers at $195 per month and $1166 for six months.

Cheapest Full Coverage Car Insurance Quotes in Newark, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1166	$195
New Jersey Skylands Insurance	$1409	$240
NJM	$1425	$240
Plymouth Rock	$1552	$261
Progressive	$1632	$275
Travelers	$1740	$293
Amica Mutual	$1974	$329
Allstate	$2035	$343
State Farm	$2197	$370
Selective	$2322	$391
Farmers	$3112	$519

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Average Car Insurance in Newark by Rating Factor

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, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Newark, New Jersey, may be increasing due to several external factors. New Jersey 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
20s	NJM	$1158
30s	NJM	$900
40s	NJM	$834
50s	NJM	$769
60s	NJM	$708

Cheapest Car Insurance Rates for Teen Drivers in Newark,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Newark at $137 per month. At $9293 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$808	$137
NJM	$1614	$272
New Jersey Manufacturers	$2673	$455
Travelers	$3767	$634
Selective	$4082	$687
Plymouth Rock	$4234	$713
Amica Mutual	$4726	$803
Allstate	$5131	$864
Progressive	$5184	$873
State Farm	$6144	$1034
Farmers	$9293	$1579

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Newark.

As young drivers face the highest rates in Newark, NJM offers the cheapest auto insurance rates at $1158 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, Amica Mutual is the cheapest car insurance provider. At $986 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 State Farm, offering rates of around $10916 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$986	$168
New Jersey Skylands Insurance	$1238	$207
Foremost	$1382	$236
NJM	$1730	$291
Progressive	$2224	$374
Plymouth Rock	$2297	$387
Farmers	$4125	$702
Selective	$4772	$796
Travelers	$5095	$867
Allstate	$5336	$889
State Farm	$10916	$1856

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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, NJ, 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 New Jersey Skylands Insurance and NJM, offering $951 and $1013, respectively. Farmers is an expensive provider with an average six-month premium of $6028.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$951	$159
NJM	$1013	$171
New Jersey Manufacturers	$1229	$205
Plymouth Rock	$1282	$216
Amica Mutual	$1525	$257
Progressive	$2144	$361
Selective	$2907	$489
Travelers	$2978	$501
State Farm	$3444	$580
Allstate	$5382	$906
Farmers	$6028	$1004

Newark Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Newark NJ. For example, the car insurance in Newark after a DUI increases to $1902 for a six month policy. While the rate increases by $261 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	$1749	$291
One Med/PIP claim	$1758	$299
Not-at-fault accident	$1839	$307
One comp claim	$1857	$316
Two Med/PIP claims	$1866	$311
Speeding 6 - 10 MPH over limit	$2010	$341
Speeding 11 - 15 MPH over limit	$2019	$337
Two comp claims	$2019	$343
Failure to show documents	$2045	$341
At-fault accident - less than $1000	$2072	$352
Failure to wear a seat belt	$2099	$350
Driving too slowly	$2108	$358
Driving without lights	$2117	$353
Child safety restraint	$2153	$365
Driving with expired registration	$2153	$359
Wrong way/wrong lane	$2188	$371
Failure to yield	$2197	$367
Failure to stop at a red light	$2206	$374
Illegal turn	$2242	$374
Cell phone violation	$2270	$387
Texting while driving	$2270	$378
Speeding in school zone	$2306	$393
Operating a vehicle without permission	$2315	$385
Speeding 16 - 20 MPH over limit	$2315	$394
Improper passing	$2368	$394
Following too closely	$2377	$405
Passing school bus	$2475	$412
In 65 MPH zone	$2493	$424
Speeding 21 - 25 MPH over limit	$2575	$429
At-fault accident - $1000-$2000	$2646	$450
At-fault accident - greater than $2000	$2664	$444
Open container	$2978	$506
Reckless driving	$3490	$581
Leaving scene of an accident/hit and run	$3624	$616
DUI	$3651	$609
Refusal to submit to a chemical test	$3651	$621
Racing	$3660	$610
Driving with a suspended license	$3804	$646

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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 Plymouth Rock at $1104 for a six-month policy. However, it can be as expensive as $8243 with companies like State Farm.

Newark car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$1104	$186
Foremost	$1211	$202
NJM	$1220	$205
Mercury	$1400	$233
New Jersey Manufacturers	$1507	$257
Progressive	$1534	$258
Travelers	$2315	$390
Allstate	$2771	$467
Selective	$3408	$574
Farmers	$3929	$655
Amica Mutual	$7795	$1326
State Farm	$8243	$1388

Cheapest car insurance after a speeding ticket

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 Plymouth Rock at $1022. However, it can be as expensive as $5274 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Newark after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$1022	$172
NJM	$1300	$219
Progressive	$1794	$302
Selective	$2584	$430
State Farm	$2618	$445
Travelers	$3005	$501
Allstate	$4377	$744
Farmers	$5274	$879

Car Insurance Price Trends in Newark, New Jersey

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 $371 of December. In other words, there has been an increase by $67 when you compare January and December.

The average cost of liability insurance in the Newark rose to $146 in January, compared to $130 in December. This represents an increase of $16 when comparing January and December.

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Average Car Insurance Cost in Newark by ZIP Code

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 $2018 for a six-month policy, insuring your car at 7112 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
7112	$2018	$339
7103	$2075	$348
7114	$1944	$326
7102	$1944	$326
7105	$2205	$370
7104	$2205	$370
7107	$2112	$354
7106	$2093	$351
7108	$2018	$339

Frequently Asked Questions

How much is car insurance in Newark?

The car insurance in Newark is $92 per month, which is lower than the national average.

What is the cheapest car insurance in Newark?

The cheapest car insurance in Newark is $195 per month for full coverage.

How much is car insurance in Newark for teenagers?

Car insurance for teenagers costs $808 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 $1238 for a six-month policy. It will cost around $314 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.

Cheapest Car Insurance Quotes in Newark

Why you can trust Way?

How Much Is Car Insurance in Newark

Avg. Car Insurance in Newark

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Newark

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Newark Car Insurance Rates by Company

Cheap Car Insurance Companies in Newark, NJ

Way's key takeaways about car insurance in Newark

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Newark

Cheapest Liability Coverage in Newark, NJ

Cheapest Full Coverage Car Insurance in Newark

Cheapest Full Coverage Car Insurance Quotes in Newark, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Newark by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Newark, NJ increasing?

Car Insurance Premiums by Age in Newark

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Newark,NJ

If you are in your twenties NJM is the best choice for car insurance in Newark.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Newark

Cheapest Car Insurance Companies after an At-Fault Accident in Newark

Newark Car Insurance Rates by Violation

Newark auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Newark after a DUI

Newark car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Newark after Speeding ticket

Car Insurance Price Trends in Newark, New Jersey

Average Car Insurance Cost in Newark by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Newark, NJ

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources