Cheapest Car Insurance Quotes in Newcastle

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Newcastle Car Insurance

^$ 32

/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 Newcastle

The car insurance rate in Newcastle is $923 for a six-month policy, which is $29 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $415, making it a popular choice for budget-conscious drivers. Rates in Newcastle 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 Newcastle

$923

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Newcastle

1st place: Farmers Union Insurance

At $415 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $443 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $570 for six months, making it the third cheapest auto insurance company in Newcastle.

Newcastle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Newcastle, UT is Farmers Union Insurance, offering policies at just $415 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $443.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1895 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Newcastle drivers find the best deals.

Cheap Car Insurance Companies in Newcastle, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$415	$71
Auto-Owners Insurance Co	$443	$74
Nationwide	$570	$96
USAA	$623	$105
Progressive	$703	$118
American Family	$726	$122
Auto-Owners	$870	$146
Farm Bureau	$968	$161
Allstate	$1319	$222
State Farm	$1631	$275
Farmers	$1895	$322

Key Takeaways

Way's key takeaways about car insurance in Newcastle

The auto insurance costs in Newcastle fall around $415 for six months.
The cheapest auto insurance company in Newcastle is Farmers Union Insurance.
Teen drivers pay the highest rate in Newcastle at $1209 per month.

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Cheapest Minimum Liability Car Insurance in Newcastle

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 Newcastle are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Newcastle. Their Average 6 Month Premium is $190. Farmers is the most expensive at $956 for the same period.

Cheapest Liability Coverage in Newcastle, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$190	$32
USAA	$225	$38
Auto-Owners Insurance Co	$247	$42
Nationwide	$271	$46
Progressive	$317	$53
Auto-Owners	$351	$59
Farm Bureau	$392	$65
American Family	$409	$69
Allstate	$633	$107
State Farm	$749	$126
Farmers	$956	$159

Cheapest Full Coverage Car Insurance in Newcastle

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 Newcastle is Farmers Union Insurance at $71 per month and $415 for six months.

Cheapest Full Coverage Car Insurance Quotes in Newcastle, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$415	$71
Auto-Owners Insurance Co	$443	$74
Nationwide	$570	$96
USAA	$623	$105
Progressive	$703	$118
American Family	$726	$122
Auto-Owners	$870	$146
Farm Bureau	$968	$161
Allstate	$1319	$222
State Farm	$1631	$275
Farmers	$1895	$322

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Average Car Insurance in Newcastle 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 Newcastle, UT increasing?

Despite maintaining a clean driving record, your car insurance rates in Newcastle, Utah, may be increasing due to several external factors. Utah has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Newcastle's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Newcastle

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 Newcastle,UT

If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the Newcastle at $49 per month. At $7254 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$300	$49
Auto-Owners Insurance Co	$340	$58
Iowa Farm Bureau	$357	$59
Utah Farm Bureau	$386	$66
USAA	$1239	$209
Nationwide	$1435	$242
Auto-Owners	$1723	$290
Progressive	$2201	$371
Farm Bureau	$2604	$434
American Family	$2634	$443
Allstate	$4517	$760
State Farm	$6003	$1011
Farmers	$7254	$1209

Teen Car Insurance Rates in UT 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 Newcastle, Nationwide is the cheapest car insurance provider. At $317 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 Newcastle is State Farm, offering rates of around $2679 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$317	$54
Farmers Union Insurance	$351	$58
Kemper	$519	$88
Auto-Owners Insurance Co	$594	$99
Progressive	$829	$140
American Family	$997	$168
USAA	$1319	$224
Farmers	$1809	$305
Farm Bureau	$1821	$309
Auto-Owners	$2201	$367
Allstate	$2362	$402
State Farm	$2679	$446

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Car Insurance Rates with An Accident in Newcastle

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 Newcastle, UT, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Newcastle include Farmers Union Insurance and AutoOwners Insurance Co, offering $306 and $409, respectively. Farmers is an expensive provider with an average six-month premium of $2840.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$306	$50
Auto-Owners Insurance Co	$409	$70
Utah Farm Bureau	$484	$81
Encompass	$535	$91
USAA	$617	$104
Nationwide	$674	$113
Progressive	$743	$125
Auto-Owners	$974	$164
American Family	$980	$165
Farm Bureau	$1492	$254
Allstate	$1850	$311
State Farm	$2068	$348
Farmers	$2840	$473

Newcastle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Newcastle UT. For example, the car insurance in Newcastle after a DUI increases to $951 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Newcastle auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1060	$177
One Med/PIP claim	$1066	$181
Not-at-fault accident	$1089	$181
One comp claim	$1089	$185
Two Med/PIP claims	$1089	$181
Two comp claims	$1101	$187
Failure to show documents	$1204	$201
Child safety restraint	$1239	$210
Driving without lights	$1239	$207
Failure to wear a seat belt	$1239	$210
Driving with expired registration	$1262	$210
Cell phone violation	$1302	$221
Texting while driving	$1302	$217
Wrong way/wrong lane	$1302	$221
Driving too slowly	$1308	$218
Failure to yield	$1308	$222
Following too closely	$1308	$218
Illegal turn	$1308	$222
Speeding 6 - 10 MPH over limit	$1308	$218
Failure to stop at a red light	$1313	$223
Speeding 11 - 15 MPH over limit	$1313	$219
Speeding 16 - 20 MPH over limit	$1313	$223
Speeding in school zone	$1313	$219
Improper passing	$1319	$224
In 65 MPH zone	$1366	$228
Speeding 21 - 25 MPH over limit	$1389	$236
Passing school bus	$1394	$233
At-fault accident - less than $1000	$1470	$250
Operating a vehicle without permission	$1538	$256
At-fault accident - $1000-$2000	$1579	$269
Open container	$1590	$265
At-fault accident - greater than $2000	$1601	$273
Reckless driving	$1982	$331
Driving with a suspended license	$1993	$339
Refusal to submit to a chemical test	$1993	$333
DUI	$2011	$341
Racing	$2011	$336
Leaving scene of an accident/hit and run	$2097	$357

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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 Newcastle 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 Newcastle.

The cheapest car insurance premiums in Newcastle are offered by Utah Farm Bureau at $357 for a six-month policy. However, it can be as expensive as $3175 with companies like State Farm.

Newcastle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$357	$61
Farmers Union Insurance	$386	$64
Kemper	$443	$76
Progressive	$639	$108
USAA	$939	$158
Nationwide	$1054	$178
American Family	$1066	$179
Farm Bureau	$1095	$182
Allstate	$1400	$236
Auto-Owners	$2132	$355
Farmers	$2552	$434
State Farm	$3175	$534

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 Newcastle are offered by Farmers Union Insurance at $242. However, it can be as expensive as $2634 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Newcastle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$242	$41
Nationwide	$247	$42
Auto-Owners Insurance Co	$335	$57
Progressive	$657	$111
American Family	$749	$126
USAA	$784	$131
Auto-Owners	$813	$138
Farm Bureau	$1095	$182
State Farm	$1417	$241
Allstate	$1487	$247
Farmers	$2634	$448

Car Insurance Price Trends in Newcastle, Utah

Car insurance rates in Newcastle have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Newcastle remained steady at $208 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Newcastle remained steady at $66 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Newcastle?

The car insurance in Newcastle is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Newcastle?

The cheapest car insurance in Newcastle is $71 per month for full coverage.

How much is car insurance in Newcastle for teenagers?

Car insurance for teenagers costs $300 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 Newcastle?

The average cost of car insurance is $952 for a six-month policy. It will cost around $155 per month to insure your car in Newcastle.

Is car insurance expensive in Newcastle?

Car insurance can be expensive in Newcastle if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Newcastle can be affordable.

What is the best car insurance in Newcastle, UT?

The best car insurance company in Newcastle UT is Farmers Union Insurance, offering $415 for a six-month policy.