Car Insurance for Newark in 2022

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Drivers in Newark pay an average of $2,679 per year for car insurance, but you might find cheaper coverage if you shop around.

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If you’re looking for cheap car insurance in Newark, New Jersey, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Newark — or anywhere.

To find the cheapest companies in Newark, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Newark driving a 2019 Toyota Camry L.

Read on to find out how auto insurance companies in Newark stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

Cheapest car insurance companies in Newark

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Newark, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
Plymouth Rock$1,447Not yet rated
Selective$1,808Not yet rated
NJM$1,850
NerdWallet rating 

5.0

/5
Geico$1,900
NerdWallet rating 

4.5

/5
Travelers$2,146
NerdWallet rating 

5.0

/5
State Farm$2,160
NerdWallet rating 

5.0

/5
Penn National$2,247Not yet rated
Progressive$2,520
NerdWallet rating 

5.0

/5
Allstate$2,620
NerdWallet rating 

4.5

/5
Encompass$2,711
NerdWallet rating 

3.5

/5
with Insure.com

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Average car insurance cost in Newark and New Jersey

Rates across New Jersey differ from those in Newark for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in New Jersey is $1,896, while in Newark, it's $2,679.

Average city rate
Average state rate
$2,679$1,896

Average cost of car insurance in Newark’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Newark and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP Code
Average Rate
07102$2,660
07103$2,685
07105$2,660
07106$2,685
07107$2,685
07108$2,685
07112$2,685
07114$2,686

Cheap car insurance in Newark by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Newark for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Newark pay, on average.

Company
Rate
NerdWallet Rating
NJM$3,022
NerdWallet rating 

5.0

/5
Geico$3,501
NerdWallet rating 

4.5

/5
Selective$3,943Not yet rated
State Farm$4,258
NerdWallet rating 

5.0

/5
Plymouth Rock$4,343Not yet rated
Travelers$4,525
NerdWallet rating 

5.0

/5
Penn National$4,783Not yet rated
Allstate$5,536
NerdWallet rating 

4.5

/5
Progressive$5,862
NerdWallet rating 

5.0

/5
Esurance$5,940Not yet rated

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Newark, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
Plymouth Rock$1,447Not yet rated
Selective$1,808Not yet rated
NJM$1,850
NerdWallet rating 

5.0

/5
Geico$1,900
NerdWallet rating 

4.5

/5
Travelers$2,146
NerdWallet rating 

5.0

/5
State Farm$2,160
NerdWallet rating 

5.0

/5
Penn National$2,247Not yet rated
Progressive$2,520
NerdWallet rating 

5.0

/5
Allstate$2,620
NerdWallet rating 

4.5

/5
Encompass$2,711
NerdWallet rating 

3.5

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Newark, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Selective$1,559Not yet rated
NJM$1,574
NerdWallet rating 

5.0

/5
Plymouth Rock$1,657Not yet rated
Geico$1,809
NerdWallet rating 

4.5

/5
Travelers$1,956
NerdWallet rating 

5.0

/5
Penn National$2,012Not yet rated
State Farm$2,018
NerdWallet rating 

5.0

/5
Progressive$2,178
NerdWallet rating 

5.0

/5
MetLife$2,403
NerdWallet rating 

4.5

/5
Allstate$2,426
NerdWallet rating 

4.5

/5
with Insure.com

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Newark’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Newark by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Newark according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Plymouth Rock$1,447Not yet rated
Selective$1,808Not yet rated
NJM$1,850
NerdWallet rating 

5.0

/5
Geico$1,900
NerdWallet rating 

4.5

/5
Travelers$2,146
NerdWallet rating 

5.0

/5
State Farm$2,160
NerdWallet rating 

5.0

/5
Penn National$2,247Not yet rated
Progressive$2,520
NerdWallet rating 

5.0

/5
Allstate$2,620
NerdWallet rating 

4.5

/5
Encompass$2,711
NerdWallet rating 

3.5

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Newark according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
NJM$2,249
NerdWallet rating 

5.0

/5
Plymouth Rock$2,551Not yet rated
Selective$2,785Not yet rated
Progressive$2,921
NerdWallet rating 

5.0

/5
Geico$3,393
NerdWallet rating 

4.5

/5
Esurance$3,543Not yet rated
Allstate$3,710
NerdWallet rating 

4.5

/5
Travelers$3,825
NerdWallet rating 

5.0

/5
Penn National$5,092Not yet rated
Mercury$5,244
NerdWallet rating 

4.0

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Newark, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Plymouth Rock$1,556Not yet rated
NJM$1,850
NerdWallet rating 

5.0

/5
Selective$2,047Not yet rated
Geico$2,568
NerdWallet rating 

4.5

/5
Penn National$3,363Not yet rated
Travelers$3,372
NerdWallet rating 

5.0

/5
State Farm$3,559
NerdWallet rating 

5.0

/5
Encompass$3,960
NerdWallet rating 

3.5

/5
Progressive$4,226
NerdWallet rating 

5.0

/5
Amica$4,319
NerdWallet rating 

5.0

/5
with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Shop around to get cheap insurance

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.

We used a 35-year-old driver (unless a different age is stated) and a 2019 Toyota Camry L and assumed 12,000 annual miles driven.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.