Average car insurance cost in Newark

The average car insurance rate in Newark for full coverage is $2,178 per year or $182 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Newark is $874 per year. The state minimum liability limits are 25/50/10.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,089
Average annual premium$2,178
State minimum premium$874

Cheapest car insurance companies in Newark

Travelers offers the cheapest rates on average at $1,647 per year. Nationwide is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Newark.

CompanyAverage 6 month rateAverage annual rate
Travelers$823$1,647
Nationwide$847$1,695
GEICO$928$1,856
Progressive$1,080$2,159
State Farm$1,187$2,375
Donegal Insurance$1,497$2,995
American Family$1,567$3,134
USAA$781$1,563

Cheapest car insurance cost in Newark by age group

Car insurance rates in Newark vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Newark by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Nationwide
  • Cheapest for young adults: GEICO
  • Cheapest for adults: Travelers
  • Cheapest for seniors: Travelers

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Nationwide offers the cheapest car insurance for teens at $5,738 per year.

GEICO offers the most affordable auto insurance for young adults at $2,627 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Travelers provides the lowest car insurance rates at $1,564 per year for adult drivers in Newark.

Travelers offers the least expensive car insurance for senior drivers in Newark, at $1,640 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Travelers$11,101$2,778$1,564$1,640
Nationwide$5,738$3,136$1,683$1,655
GEICO$6,284$2,627$1,853$1,826
Progressive$11,375$3,702$2,165$2,393
State Farm$7,272$4,060$2,393$2,434
Donegal Insurance$8,896$5,521$2,907$2,645
American Family$9,411$5,572$2,995$2,857
AllstateNA$6,678$4,709NA
USAA$6,258$2,732$1,675$1,561

Cheapest car insurance companies in Newark by driver profile

Car insurance rates in Newark vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Newark by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Newark pay about $2,302 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Newark.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,151$2,302
GEICO$1,402$2,803
Travelers$1,477$2,954
Progressive$1,827$3,653
American Family$2,926$5,852
State Farm$3,129$6,257
USAA$1,491$2,981

Cheapest auto insurance after an at-fault accident: Travelers

In Newark, Travelers offers the cheapest car insurance for drivers with at-fault accident at $1,710 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Newark.

CompanyAverage 6 month premiumAverage annual premium
Travelers$855$1,710
Nationwide$1,289$2,577
State Farm$1,414$2,827
Progressive$1,593$3,186
American Family$2,074$4,148
GEICO$2,125$4,249

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,601 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Newark.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,301$2,601
Travelers$1,426$2,851
Progressive$1,468$2,935
Nationwide$1,664$3,327
GEICO$2,182$4,364
American Family$4,102$8,203
USAA$1,435$2,869

Cheapest for drivers with a speeding ticket: Travelers

Travelers offers the cheapest car insurance at $2,471 in Newark for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Travelers$1,236$2,471
Nationwide$1,259$2,517
State Farm$1,301$2,601
Progressive$1,439$2,877
GEICO$1,538$3,075
American Family$1,708$3,415
USAA$1,012$2,023

Car insurance discounts for Newark drivers

The biggest car insurance discount available in Newark is for the years insured category at 38.58%, offered by Travelers.

Car insurance is essential for drivers in Newark, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Newark drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$4,6653.23%$151
Air BagsAmerican Family$3,5885.52%$198
Air BagsDonegal$3,2606.04%$197
Air BagsGEICO$2,1962.91%$64
Anti-Theft DeviceAmerican Family$3,5880.88%$32
Anti-Theft DeviceDonegal$3,2601.01%$33
Anti-Theft DeviceGEICO$2,1960.48%$11
Daily CommuteAmerican Family$3,5889.66%$347
Daily CommuteDonegal$3,2609.63%$314
Daily CommuteTravelers$1,7491.39%$24
Days Advanced PurchaseAllstate$4,66510.57%$493
Days Advanced PurchaseDonegal$3,2609.42%$307
Days Advanced PurchaseProgressive$1,6713.77%$63
Days Advanced PurchaseSentry Insurance$5,8903.57%$210
Days Advanced PurchaseTravelers$1,74915.60%$273
Days Per Week DrivenAmerican Family$3,5888.28%$297
Days Per Week DrivenTravelers$1,7491.39%$24
EducationGEICO$2,19613.39%$294
EducationProgressive$1,6715.07%$85
Electronic Funds TransferAllstate$4,6654.40%$205
Electronic Funds TransferNationwide$1,7573.80%$67
Electronic SignatureProgressive$1,67110.04%$168
HomeownerAllstate$4,6654.06%$190
HomeownerGEICO$2,1969.20%$202
HomeownerNationwide$1,75711.46%$202
HomeownerProgressive$1,6712.59%$43
HomeownerSentry Insurance$5,8907.71%$454
Lower Annual MileageDonegal$3,26010.20%$333
Lower Annual MileageGEICO$2,1962.40%$53
Lower Annual MileageState Farm$1,58910.18%$162
Loyalty - Years Renewal With CompanyDonegal$3,26013.38%$436
Loyalty - Years Renewal With CompanyProgressive$1,6713.35%$56
Loyalty - Years Renewal With CompanySentry Insurance$5,8900.41%$24
Loyalty - Years Renewal With CompanyState Farm$1,58922.97%$366
Loyalty - Years Renewal With CompanyTravelers$1,7490.09%$2
Marital StatusAllstate$4,6650.75%$35
Marital StatusDonegal$3,26014.08%$459
Marital StatusNationwide$1,7578.08%$142
Marital StatusProgressive$1,6717.96%$133
Marital StatusSentry Insurance$5,8903.55%$208
Multi PolicyAllstate$4,6658.37%$391
Multi PolicyAmerican Family$3,58816.91%$607
Multi PolicyDonegal$3,2609.72%$317
Multi PolicyGEICO$2,1969.87%$217
Multi PolicyNationwide$1,7579.50%$167
Multi PolicyProgressive$1,67110.20%$171
Multi PolicySentry Insurance$5,8907.71%$454
Multi PolicyState Farm$1,58912.62%$201
Multi PolicyTravelers$1,7496.44%$113
Paperless/Electornic DocumentsAllstate$4,6656.17%$288
Paperless/Electornic DocumentsNationwide$1,7573.80%$67
Paperless/Electornic DocumentsProgressive$1,6710.88%$15
Payment TypeAllstate$4,6659.23%$431
Payment TypeDonegal$3,2604.63%$151
Payment TypeNationwide$1,7577.66%$135
Payment TypeProgressive$1,6710.36%$6
Payment TypeSentry Insurance$5,8907.55%$444
Payment TypeTravelers$1,7494.97%$87
Primary UseAllstate$4,6657.14%$333
Primary UseAmerican Family$3,58818.62%$668
Primary UseDonegal$3,2609.99%$326
Primary UseNationwide$1,7577.66%$135
Primary UseState Farm$1,58911.88%$189
Primary UseTravelers$1,7496.46%$113
ProfessionGEICO$2,1967.42%$163
ProfessionProgressive$1,67118.59%$311
Safety DevicesAllstate$4,6657.14%$333
Safety DevicesAmerican Family$3,5881.92%$69
Safety DevicesDonegal$3,2603.53%$115
Safety DevicesGEICO$2,1961.73%$38
Safety DevicesProgressive$1,6713.44%$58
TelematicsNationwide$1,75736.93%$649
TelematicsProgressive$1,67110.04%$168
TelematicsState Farm$1,58914.42%$229
Years InsuredAllstate$7,87631.12%$2,451
Years InsuredGEICO$3,24114.10%$457
Years InsuredNationwide$2,1944.04%$89
Years InsuredProgressive$2,40920.73%$500
Years InsuredSentry Insurance$6,86014.15%$971
Years InsuredTravelers$2,84838.58%$1,099
Years LicensedAmerican Family$4,31216.79%$724
Years LicensedDonegal$4,44621.86%$972
Years LicensedGEICO$4,77526.99%$1,289
Years LicensedNationwide$2,51212.66%$318
Years LicensedProgressive$3,43927.07%$931
Years LicensedState Farm$1,97116.94%$334
Years LicensedTravelers$3,90624.05%$940
Air BagsUSAA$1,5201.24%$19
Anti-Theft DeviceUSAA$1,5201.94%$30
Days Advanced PurchaseUSAA$1,5203.25%$49
Electronic Funds TransferUSAA$1,5202.78%$42
Lower Annual MileageUSAA$1,5203.05%$46
Loyalty - Years Renewal With CompanyUSAA$1,5208.74%$133
Marital StatusUSAA$1,52011.72%$178
Multi PolicyUSAA$1,5204.67%$71
Primary UseUSAA$1,52016.48%$251
Safety DevicesUSAA$1,5200.97%$15
Years InsuredUSAA$2,34927.96%$657
Years LicensedUSAA$4,75341.54%$1,974

How to get cheap car insurance in Newark in 2025

Find affordable car insurance in Newark by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Newark.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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