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Finding the cheapest car insurance quotes in Newfoundland 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 Newfoundland
The car insurance rate in Newfoundland is $904 for a six-month policy, which is $125 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $427, making it a popular choice for budget-conscious drivers. Rates in Newfoundland 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 $427 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: American National P&C
American National P&C offers auto
insurance rates at $593 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $640
for six months, making it
the third cheapest auto insurance company in Newfoundland.
Newfoundland Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Newfoundland, PA is AutoOwners Insurance Co, offering policies at just $427 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $593.
At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1130 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Newfoundland drivers find the best deals.
Way's key takeaways about car insurance in Newfoundland
The auto insurance costs in Newfoundland fall around $427 for six
months.
The cheapest auto insurance company in Newfoundland is Westfield.
Teen drivers pay the highest rate in Newfoundland at $712 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 Newfoundland
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 Newfoundland are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Newfoundland. Their Average 6 Month Premium is $166.
AutoOwners is the most
expensive at $89 for the same
period.
Cheapest Full Coverage Car Insurance in Newfoundland
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 Newfoundland is AutoOwners Insurance Co
at $71 per month and $427
for six months.
Cheapest Full Coverage Car Insurance Quotes in Newfoundland,
PA
Get Your Car Insurance Quote in Newfoundland
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Average Car Insurance in Newfoundland 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 Newfoundland, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Newfoundland, Pennsylvania, may be increasing due to several external factors.
Pennsylvania has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Newfoundland's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Newfoundland
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
Travelers
$654
30s
Travelers
$452
40s
Travelers
$426
50s
Travelers
$407
60s
Travelers
$407
70s
Travelers
$479
Cheapest Car Insurance Rates for Teen Drivers in
Newfoundland,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Newfoundland at $29
per
month. At $4272 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Newfoundland.
As young drivers face the highest rates in Newfoundland, Travelers
offers the cheapest auto insurance rates at $654 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 Newfoundland,
Westfield is
the cheapest car insurance provider. At $269 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
Newfoundland is State Farm, offering
rates of around $3700 for six
months.
Save up to $971/yr on car insurance rates in Newfoundland.
Car Insurance Rates with An Accident in Newfoundland
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 Newfoundland, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Newfoundland
The cheapest car insurance companies after an at-fault accident in
Newfoundland include Westfield
and AutoOwners Insurance Co, offering $241
and $276,
respectively. Donegal is an expensive provider
with an average six-month premium of
$269.
Here is a list of driving violations that can increase your car
insurance rates in Newfoundland PA. For example, the car
insurance in Newfoundland
after a DUI increases to $1158 for a six
month policy. While the rate increases by $1275 for a six-month policy in the case of
a speeding ticket.
Newfoundland auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1275
$212
Cell phone violation
$1488
$253
Failure to wear a seat belt
$1488
$248
Failure to stop at a red light
$1502
$255
Illegal turn
$1502
$251
Improper passing
$1502
$255
Speeding in school zone
$1502
$251
Texting while driving
$1502
$255
Driving with expired registration
$1509
$252
Speeding 16 - 20 MPH over limit
$1509
$256
Wrong way/wrong lane
$1523
$254
Open container
$1612
$274
Reckless driving
$2350
$392
Racing
$2391
$406
DUI
$2433
$405
Driving with a suspended license
$2446
$416
Leaving scene of an accident/hit and run
$2467
$411
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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 Newfoundland 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 Newfoundland.
The cheapest car insurance premiums in
Newfoundland are
offered by American National P&C at $372 for a six-month policy.
However, it can be as
expensive as $2887 with companies
like Nationwide.
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 Newfoundland are offered by Westfield
at $145. However,
it can be as expensive as $1868
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Newfoundland after Speeding ticket
Car Insurance Price Trends in Newfoundland,
Pennsylvania
Car insurance rates in Newfoundland have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Newfoundland rose by
$196 in December
compared to $194 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Newfoundland rose to $44 in December,
compared to $43 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Newfoundland 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
Newfoundland. At $1807 for a
six-month policy, insuring
your car at 18445 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Newfoundland?
The car insurance in Newfoundland is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Newfoundland?
The cheapest car insurance in Newfoundland
is $71 per month
for full coverage.
How much is car insurance in Newfoundland for teenagers?
Car insurance for teenagers costs $173 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
Newfoundland?
The average cost of car insurance is $779 for a six-month
policy. It will cost around $152 per month to insure your
car in Newfoundland.
Is car insurance expensive in Newfoundland?
Car insurance can be expensive in Newfoundland if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Newfoundland can be
affordable.
What is the best car insurance in Newfoundland,
PA?
The best car insurance company in Newfoundland
PA is
AutoOwners Insurance Co, offering $427 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Newfoundland, PA
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Newfoundland Car Insurance
