Car Insurance for Newark in 2023

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Drivers in Newark pay an average of $4,221 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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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.

CompanyRateNerdWallet Rating
NJM$1,989
NerdWallet rating 

5.0

/5
Geico$2,241
NerdWallet rating 

4.5

/5
State Farm$2,264
NerdWallet rating 

5.0

/5
Penn National$2,319Not yet rated
Selective$2,520Not yet rated
Plymouth Rock$2,680Not yet rated
Travelers$2,799
NerdWallet rating 

4.5

/5
Encompass$2,943
NerdWallet rating 

4.0

/5
Progressive$2,945
NerdWallet rating 

5.0

/5
MetLife$4,089
NerdWallet rating 

4.5

/5

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 $2,809, while in Newark, it's $4,221.

Average city rateAverage state rate
$4,221$2,809

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 CodeAverage Rate
07105$4,198
07107$4,228
07103$4,228
07106$4,228
07112$4,228
07108$4,228
07114$4,230
07102$4,198

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.

CompanyRateNerdWallet Rating
NJM$3,250
NerdWallet rating 

5.0

/5
Geico$4,475
NerdWallet rating 

4.5

/5
Plymouth Rock$4,476Not yet rated
Penn National$4,905Not yet rated
State Farm$5,000
NerdWallet rating 

5.0

/5
Selective$5,555Not yet rated
Travelers$5,643
NerdWallet rating 

4.5

/5
Progressive$6,586
NerdWallet rating 

5.0

/5
Encompass$7,500
NerdWallet rating 

4.0

/5
New Jersey Skylands$9,292Not 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.

CompanyRateNerdWallet Rating
NJM$1,989
NerdWallet rating 

5.0

/5
Geico$2,241
NerdWallet rating 

4.5

/5
State Farm$2,264
NerdWallet rating 

5.0

/5
Penn National$2,319Not yet rated
Selective$2,520Not yet rated
Plymouth Rock$2,680Not yet rated
Travelers$2,799
NerdWallet rating 

4.5

/5
Encompass$2,943
NerdWallet rating 

4.0

/5
Progressive$2,945
NerdWallet rating 

5.0

/5
MetLife$4,089
NerdWallet rating 

4.5

/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.

CompanyRateNerdWallet Rating
NJM$1,685
NerdWallet rating 

5.0

/5
State Farm$2,033
NerdWallet rating 

5.0

/5
Penn National$2,070Not yet rated
Geico$2,123
NerdWallet rating 

4.5

/5
Selective$2,139Not yet rated
Progressive$2,454
NerdWallet rating 

5.0

/5
Travelers$2,481
NerdWallet rating 

4.5

/5
Plymouth Rock$2,565Not yet rated
Encompass$2,804
NerdWallet rating 

4.0

/5
MetLife$3,558
NerdWallet rating 

4.5

/5

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.

CompanyRateNerdWallet Rating
NJM$1,989
NerdWallet rating 

5.0

/5
Geico$2,241
NerdWallet rating 

4.5

/5
State Farm$2,264
NerdWallet rating 

5.0

/5
Penn National$2,319Not yet rated
Selective$2,520Not yet rated
Plymouth Rock$2,680Not yet rated
Travelers$2,799
NerdWallet rating 

4.5

/5
Encompass$2,943
NerdWallet rating 

4.0

/5
Progressive$2,945
NerdWallet rating 

5.0

/5
MetLife$4,089
NerdWallet rating 

4.5

/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.

CompanyRateNerdWallet Rating
NJM$2,424
NerdWallet rating 

5.0

/5
Plymouth Rock$3,154Not yet rated
Progressive$3,423
NerdWallet rating 

5.0

/5
Selective$3,923Not yet rated
Geico$4,127
NerdWallet rating 

4.5

/5
Travelers$4,899
NerdWallet rating 

4.5

/5
Penn National$5,224Not yet rated
Foremost$7,834Not yet rated
Allstate$8,239
NerdWallet rating 

4.5

/5
Mercury$8,595
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.

CompanyRateNerdWallet Rating
NJM$1,989
NerdWallet rating 

5.0

/5
Selective$2,842Not yet rated
Geico$3,085
NerdWallet rating 

4.5

/5
Penn National$3,459Not yet rated
State Farm$3,728
NerdWallet rating 

5.0

/5
Plymouth Rock$3,733Not yet rated
Encompass$4,324
NerdWallet rating 

4.0

/5
Travelers$4,431
NerdWallet rating 

4.5

/5
Progressive$4,818
NerdWallet rating 

5.0

/5
New Jersey Skylands$5,830Not yet rated

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.