Cheapest Car Insurance Quotes in Newark

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Newark Car Insurance

^$ 44

/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 $1077 for a six-month policy, which is $161 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $687, 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

$1077

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Newark

1st place: Mercury

At $687 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $713 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $719 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, TX is Mercury, offering policies at just $687 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $713.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $930 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, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$687	$115
Texas Farm Bureau	$713	$121
AAA Texas	$719	$120
State Farm	$744	$125
USAA	$812	$137
Redpoint Insurance	$847	$144
AAA	$1044	$174
Progressive	$1085	$183
Southern County Mutual	$1121	$187
Allstate	$2336	$393
Farmers	$2134	$363
Redpoint County Mutual	$832	$142
Geico County Mutual	$930	$158

Key Takeaways

Way's key takeaways about car insurance in Newark

The auto insurance costs in Newark fall around $687 for six months.
The cheapest auto insurance company in Newark is USAA.
Teen drivers pay the highest rate in Newark at $64 per month.

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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.

USAA provides the cheapest minimum car insurance coverage in Newark. Their Average 6 Month Premium is $258. Geico County Mutual is the most expensive at $290 for the same period.

Cheapest Liability Coverage in Newark, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$258	$44
Texas Farm Bureau	$269	$46
State Farm	$279	$47
Redpoint Insurance	$290	$50
Mercury	$336	$57
AAA	$372	$64
AAA Texas	$372	$62
Progressive	$383	$64
Allstate	$806	$136
Farmers	$842	$140
Redpoint County Mutual	$279	$46
Geico County Mutual	$290	$50

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 Mercury at $115 per month and $687 for six months.

Cheapest Full Coverage Car Insurance Quotes in Newark, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$687	$115
Texas Farm Bureau	$713	$121
AAA Texas	$719	$120
State Farm	$744	$125
USAA	$812	$137
Redpoint Insurance	$847	$144
AAA	$1044	$174
Progressive	$1085	$183
Southern County Mutual	$1121	$187
Allstate	$2336	$393
Farmers	$2134	$363
Redpoint County Mutual	$832	$142
Geico County Mutual	$930	$158

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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, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Newark, Texas, may be increasing due to several external factors. Texas 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

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Cheapest Car Insurance Rates for Teen Drivers in Newark,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Newark at $50 per month. At $383 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$295	$50
Southern County Mutual	$383	$64
Mercury	$413	$70
AAA Texas	$471	$78
USAA	$1183	$199
State Farm	$1261	$212
Texas Farm Bureau	$1323	$225
AAA	$2171	$362
Allstate	$3974	$669
Progressive	$5540	$933
Farmers	$6966	$1184
Redpoint County Mutual	$284	$49
Geico County Mutual	$383	$64

Teen Car Insurance Rates in TX by Age

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, Mercury is the cheapest car insurance provider. At $450 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 Farmers, offering rates of around $3535 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$450	$75
Foremost	$538	$91
AAA Texas	$573	$96
Dairyland	$666	$113
USAA	$1002	$167
Progressive	$1436	$242
AAA	$1742	$291
Allstate	$4098	$697
State Farm	$5349	$892
Texas Farm Bureau	$1007	$171
Farmers	$3535	$601

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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, TX, 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 Redpoint Insurance and Southern County Mutual, offering $295 and $357, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $357.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$295	$49
Southern County Mutual	$357	$61
AAA Texas	$553	$92
State Farm	$594	$100
Mercury	$672	$112
USAA	$858	$144
Texas Farm Bureau	$1116	$186
AAA	$1772	$301
Progressive	$1897	$319
Allstate	$3695	$622
Farmers	$5866	$997
Redpoint County Mutual	$284	$47
Geico County Mutual	$357	$61

Newark Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Newark TX. For example, the car insurance in Newark after a DUI increases to $682 for a six month policy. While the rate increases by $160 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	$1116	$186
One Med/PIP claim	$1127	$191
One comp claim	$1183	$197
Not-at-fault accident	$1194	$203
Two Med/PIP claims	$1199	$200
Failure to show documents	$1241	$211
Driving with expired registration	$1250	$209
Two comp claims	$1261	$214
Cell phone violation	$1271	$212
Driving without lights	$1271	$216
Texting while driving	$1271	$212
Driving too slowly	$1276	$217
Speeding 11 - 15 MPH over limit	$1276	$213
Speeding 16 - 20 MPH over limit	$1276	$217
Speeding 6 - 10 MPH over limit	$1276	$213
Speeding in school zone	$1276	$217
Child safety restraint	$1282	$214
Failure to wear a seat belt	$1282	$218
In 65 MPH zone	$1287	$215
Failure to stop at a red light	$1292	$220
Failure to yield	$1292	$216
Following too closely	$1292	$220
Illegal turn	$1292	$216
Improper passing	$1292	$220
Speeding 21 - 25 MPH over limit	$1292	$216
Passing school bus	$1297	$221
Wrong way/wrong lane	$1297	$216
Operating a vehicle without permission	$1302	$222
At-fault accident - less than $1000	$1354	$225
Open container	$1524	$259
Driving with a suspended license	$1582	$264
Racing	$1675	$284
Reckless driving	$1675	$279
Leaving scene of an accident/hit and run	$1716	$291
At-fault accident - $1000-$2000	$1721	$287
Refusal to submit to a chemical test	$1772	$301
DUI	$1798	$300
At-fault accident - greater than $2000	$1871	$318

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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 Mercury at $445 for a six-month policy. However, it can be as expensive as $2693 with companies like Farmers.

Newark car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$445	$74
Foremost	$501	$85
Dairyland	$548	$91
AAA Texas	$579	$98
State Farm	$760	$128
USAA	$1183	$199
Progressive	$1209	$204
Nationwide	$1462	$249
AAA	$2682	$447
Allstate	$3055	$514
Texas Farm Bureau	$858	$146
Farmers	$2693	$449

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 Mercury at $460. However, it can be as expensive as $2930 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
Mercury	$460	$77
State Farm	$475	$80
AAA Texas	$491	$82
USAA	$729	$124
AAA	$1772	$296
Progressive	$1891	$322
Allstate	$2874	$479
Texas Farm Bureau	$445	$76
Farmers	$2930	$499

Car Insurance Price Trends in Newark, Texas

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 $188 in January compared to $180 of December. In other words, there has been an increase by $8 when you compare January and December.

The average cost of liability insurance in the Newark rose to $61 in January, compared to $56 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Newark?

The car insurance in Newark is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Newark?

The cheapest car insurance in Newark is $115 per month for full coverage.

How much is car insurance in Newark for teenagers?

Car insurance for teenagers costs $295 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 $181 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 Texas

National Average

Cheapest Car Insurance Companies in Newark

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Newark Car Insurance Rates by Company

Cheap Car Insurance Companies in Newark, TX

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, TX

Cheapest Full Coverage Car Insurance in Newark

Cheapest Full Coverage Car Insurance Quotes in Newark, TX

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, TX 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,TX

If you are in your twenties N/A 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, Texas

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, TX

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

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Data Sources