Cheapest Car Insurance Quotes in Newcastle

Finding the cheapest car insurance quotes in Newcastle 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.
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Newcastle Car Insurance

^$ 39

/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 $945 for a six-month policy, which is $177 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $504, 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

$945

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Newcastle

1st place: Kemper

At $504 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $679 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $701 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, WA is Kemper, offering policies at just $504 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $679.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $979 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, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$504	$84
Nationwide	$679	$116
Auto-Owners Insurance Co	$701	$117
Chubb	$796	$135
Capital Insurance Group	$811	$135
State Farm	$847	$143
USAA	$877	$148
Progressive	$942	$159
PEMCO	$964	$162
American Family	$994	$167
Travelers	$1074	$181
Farmers	$1140	$192
Allstate	$1330	$224
Granwest P&C	$1651	$280
California Causality	$833	$141
Mutual of Enumclaw	$979	$166

Key Takeaways

Way's key takeaways about car insurance in Newcastle

The auto insurance costs in Newcastle fall around $504 for six months.
The cheapest auto insurance company in Newcastle is USAA.
Teen drivers pay the highest rate in Newcastle at $153 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.

USAA provides the cheapest minimum car insurance coverage in Newcastle. Their Average 6 Month Premium is $234. California Causality is the most expensive at $293 for the same period.

Cheapest Liability Coverage in Newcastle, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$234	$39
California Casualty	$263	$44
Granwest P&C	$271	$46
PEMCO	$278	$47
Auto-Owners Insurance Co	$285	$48
Chubb	$336	$57
Travelers	$343	$58
Nationwide	$351	$59
Capital Insurance Group	$373	$62
State Farm	$373	$63
Progressive	$387	$65
American Family	$438	$74
Mutual of Enumclaw	$445	$74
Farmers	$467	$79
Allstate	$790	$133
Encompass	$256	$43
Grange	$263	$44
California Causality	$293	$49

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 Kemper at $84 per month and $504 for six months.

Cheapest Full Coverage Car Insurance Quotes in Newcastle, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$504	$84
Nationwide	$679	$116
Auto-Owners Insurance Co	$701	$117
Chubb	$796	$135
Capital Insurance Group	$811	$135
State Farm	$847	$143
USAA	$877	$148
Progressive	$942	$159
PEMCO	$964	$162
American Family	$994	$167
Travelers	$1074	$181
Farmers	$1140	$192
Allstate	$1330	$224
Granwest P&C	$1651	$280
California Causality	$833	$141
Mutual of Enumclaw	$979	$166

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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, WA increasing?

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	PEMCO	$833
30s	PEMCO	$583
40s	PEMCO	$589
50s	PEMCO	$560
60s	PEMCO	$589
70s	PEMCO	$732

Cheapest Car Insurance Rates for Teen Drivers in Newcastle,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Newcastle at $69 per month. At $899 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$410	$69
Auto-Owners Insurance Co	$417	$71
Chubb	$467	$77
State Farm	$950	$160
American Family	$1250	$210
Progressive	$1432	$241
USAA	$1506	$253
Pemco	$1534	$258
Farmers	$2177	$367
Allstate	$2513	$423
California Causality	$899	$153

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Newcastle.

As young drivers face the highest rates in Newcastle, PEMCO offers the cheapest auto insurance rates at $833 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 Newcastle, AutoOwners Insurance Co is the cheapest car insurance provider. At $285 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 California Causality, offering rates of around $672 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$285	$48
Chubb	$336	$57
Travelers	$343	$58
Nationwide	$402	$66
Kemper	$438	$75
American Family	$665	$112
Progressive	$775	$130
State Farm	$899	$151
Farmers	$994	$167
Pemco	$1148	$193
USAA	$1183	$202
Allstate	$2368	$395
National General	$482	$80
California Causality	$672	$114

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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, WA, 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 AutoOwners Insurance Co and Encompass, offering $365 and $417, respectively. California Causality is an expensive provider with an average six-month premium of $504.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$365	$62
Encompass	$417	$71
Chubb	$431	$73
Travelers	$519	$87
USAA	$555	$93
Kemper	$606	$103
State Farm	$818	$138
PEMCO	$899	$151
American Family	$979	$165
Capital Insurance Group	$1081	$183
Progressive	$1293	$218
Farmers	$1396	$235
Allstate	$2251	$379
California Causality	$504	$84

Newcastle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Newcastle WA. For example, the car insurance in Newcastle after a DUI increases to $1001 for a six month policy. While the rate increases by $285 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	$1315	$219
One Med/PIP claim	$1315	$224
Not-at-fault accident	$1359	$226
Two Med/PIP claims	$1359	$231
One comp claim	$1367	$228
Two comp claims	$1424	$242
Failure to show documents	$1571	$262
Child safety restraint	$1585	$269
Driving without lights	$1600	$267
Failure to wear a seat belt	$1600	$272
Speeding 11 - 15 MPH over limit	$1600	$267
Speeding 16 - 20 MPH over limit	$1600	$272
Speeding 6 - 10 MPH over limit	$1600	$267
Driving too slowly	$1615	$274
Driving with expired registration	$1615	$269
Cell phone violation	$1622	$276
Failure to yield	$1622	$271
Improper passing	$1622	$276
Texting while driving	$1622	$271
Wrong way/wrong lane	$1622	$276
Failure to stop at a red light	$1630	$272
Following too closely	$1630	$277
Illegal turn	$1630	$272
Speeding in school zone	$1702	$289
Passing school bus	$1710	$285
At-fault accident - less than $1000	$1732	$294
Speeding 21 - 25 MPH over limit	$1732	$289
Open container	$1739	$295
In 65 MPH zone	$1804	$301
At-fault accident - $1000-$2000	$1871	$319
At-fault accident - greater than $2000	$1878	$312
Operating a vehicle without permission	$1892	$322
Refusal to submit to a chemical test	$2264	$378
Reckless driving	$2272	$386
Driving with a suspended license	$2294	$383
DUI	$2316	$394
Racing	$2396	$400
Leaving scene of an accident/hit and run	$2411	$410

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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 Chubb at $417 for a six-month policy. However, it can be as expensive as $445 with companies like National General.

Newcastle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$417	$71
Auto-Owners Insurance Co	$526	$87
Travelers	$569	$96
American Family	$818	$138
Progressive	$907	$153
Pemco	$920	$155
USAA	$1009	$170
State Farm	$1059	$178
Farmers	$1446	$244
Allstate	$2133	$359
Grange	$2236	$380
Cal Casualty	$2498	$417
National General	$445	$76

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 Chubb at $365. However, it can be as expensive as $410 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Newcastle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$365	$62
Auto-Owners Insurance Co	$380	$65
Travelers	$467	$77
State Farm	$569	$96
American Family	$818	$138
USAA	$892	$151
Pemco	$899	$151
Progressive	$1066	$180
Farmers	$1242	$209
Allstate	$1645	$279
California Causality	$410	$70

Car Insurance Price Trends in Newcastle, Washington

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 rose by $186 in December compared to $182 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Newcastle rose to $63 in December, compared to $62 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Newcastle?

The car insurance in Newcastle is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Newcastle?

The cheapest car insurance in Newcastle is $84 per month for full coverage.

How much is car insurance in Newcastle for teenagers?

Car insurance for teenagers costs $410 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 $768 for a six-month policy. It will cost around $159 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.

Cheapest Car Insurance Quotes in Newcastle

Why you can trust Way?

How Much Is Car Insurance in Newcastle

Avg. Car Insurance in Newcastle

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Newcastle

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Newcastle Car Insurance Rates by Company

Cheap Car Insurance Companies in Newcastle, WA

Way's key takeaways about car insurance in Newcastle

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Newcastle

Cheapest Liability Coverage in Newcastle, WA

Cheapest Full Coverage Car Insurance in Newcastle

Cheapest Full Coverage Car Insurance Quotes in Newcastle, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Newcastle by Rating Factor

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

Car Insurance Premiums by Age in Newcastle

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Newcastle,WA

If you are in your twenties PEMCO is the best choice for car insurance in Newcastle.

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 Newcastle

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

Newcastle Car Insurance Rates by Violation

Newcastle auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Newcastle after a DUI

Newcastle car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Newcastle after Speeding ticket

Car Insurance Price Trends in Newcastle, Washington

Average Car Insurance Cost in Newcastle by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Newcastle, WA

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

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