Cheapest Auto Insurance in Newark, Delaware (2026)
USAA offers the cheapest car insurance in Newark, with liability rates starting at $80 per month.
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Written byJess Ullrich
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022, and has written hundreds of empowering, informative articles on insurance topics.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Table of contents
Located in New Castle County, the historic city of Newark, Delaware, is home to the University of Delaware — the state’s largest university.
Newark drivers pay an average rate of $221 per month for full-coverage car insurance, which falls slightly above the statewide full-coverage average of $207 per month. More young drivers on the road could party contribute to the city’s higher car insurance costs.
Here’s what you need to know about comparing quotes and finding cheap car insurance in Newark.
Quick Facts
Newark is a small city, with a population of 30,453. A city’s size can have an effect on car insurance rates.
USAA, CSAA, and State Farm have the cheapest car insurance in Newark.
Newark residents pay less for auto coverage than drivers in nearby Wilmington.
3 of the cheapest car insurance companies in Newark
While the cheapest car insurance coverage may be the best option for many drivers, the right policy for you ultimately depends on your unique situation and needs. For instance, you may feel more comfortable with higher coverage levels than a basic policy provides. In this case, purchasing more expensive auto coverage could make sense.
Included here are three of the most affordable insurers in Newark for you to consider as you search for your next policy.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| USAA | 9.1 | $110 | $78 | Liability coverage |
| State Farm | 9.3 | $169 | $120 | Families |
| GEICO | 9.2 | $212 | $151 | Full coverage |
Disclaimer: Table data is based on real-time Newark quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Best insurer for liability-only coverage: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $113/mo |
4.9
Best choice in Newark, DEBased on 3,128 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Newark for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Newark for
Members of the military community
Outstanding customer service
Competitive rates
Showing recent national reviews - See all 1,477 USAA reviews
Betsy
Verified Review
Positive!
Reviewed in Oregon on March 4, 2026
I sent a friend to them who had trouble with other companies. She was very grateful when they insured her right away! They've been awesome in the past with claims, responding immediately and without a lot of questions.
Renae
Verified Review
Excellent
Reviewed in Arkansas on March 3, 2026
Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.
Michael
Verified Review
USAA
Reviewed in Tennessee on March 2, 2026
Good coverage at a great price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers affordable policies in Newark for U.S. service members and eligible family members. On average, it has the cheapest auto coverage of all insurers in the state, making it a great choice if you meet the membership requirements.
Customers can get several discounts, including good student, multi-vehicle, and bundling discounts. You can also easily access your policy anytime through the USAA mobile app.
Pros
Affordable coverage
Multiple discounts available
Cons
Gap insurance not available
Only for qualifying service members and their families
Best insurer for families: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $124/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $175/mo |
4.0
Best choice in Newark, DEBased on 15,788 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Newark for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Newark for
Customer service
Competitive rates
Discounts for safe drivers
Showing 14 Delaware reviews for Newark drivers - See all 7,176 State Farm reviews
Joshua
Verified Review
Insurance
Reviewed in Delaware on February 24, 2026
They aren’t concerned about saving you money, but they are responsive.
Milton
Verified Review
Penuel Agency is very caring and works diligently to the needs of the community
Reviewed in Delaware on February 5, 2026
Very good.
Michael
Verified Review
State Farm doesn't care about their customers
Reviewed in Delaware on January 16, 2026
State Farm doesn't seem to prioritize their customers. Unfortunately, they are below average in their level of competence. The claims representatives I spoke with were mostly nice, but they were not able to be of much help. Their job seems to be to maybe call you back a day or two after you leave a message, then say no and apologize because they are front-line employees with no authority except to respond that their superiors also said no to anything you ask for. State Farm is very slow in answering questions and concerns, and their communication is terrible. I was left waiting for more than two weeks after they told me my car was totaled and towed it away. I finally heard back from them when they decided my car wasn't totaled, and I received at least four text notices saying my car was scheduled for review. It was nearly two more weeks before they authorized the repairs to my front end from being sideswiped while parked on the street. The shop I chose, my regular repair shop, would not install used parts from the junkyard as State Farm wanted them to do, nor did I want parts from a junkyard installed in as critical a system as steering. It ended up costing me $600 out of pocket, but that's better than risking safety with used parts. I have absolutely no faith or trust in State Farm. My agent is not helpful. The company doesn't seem to care about their customers. I would not recommend State Farm to anyone. Based on my experience, I would caution anyone to avoid giving any business to State Farm. I am looking for another company that actually cares about the lives and safety of their customers. State Farm has made it clear that they do not.
Carol
Verified Review
State Farm Coverage
Reviewed in Delaware on December 1, 2025
I've had State Farm Insurance since I was 18 years old! (Not the same policy, of course.)
John
Verified Review
Money hungry, not loyal to their CUSTOMERS
Reviewed in Delaware on November 19, 2025
I've been with State Farm since 1959—that's 66 years. How much money do you think I've paid into this company? Your prices are way too high for us seniors and your loyal customers. I've had all my cars and home insurance with State Farm all these years. I have always owned three or four cars insured at a time. I am retired and live on my Social Security and pension. I am shopping the marketplace for better-priced insurance. The internet is bombarded with all kinds of bargains. Insurance is just a scam that I've put up with for years.
Robin
Verified Review
I need help with insurance premiums!
Reviewed in Delaware on November 3, 2025
Good in the beginning, but as time went on, they got too expensive.
Deborah
Verified Review
Looking for reliable coverage that recognizes driver safety
Reviewed in Delaware on October 28, 2025
I have had no claims. Low mileage, driver safety certificates, car garaged, excellent credit, bundled with homeowners. My monthly auto rate has gone up $30/month in 3 years. I think they underinsured my home. When I asked the agent for details about the auto increase, he had someone 'regional' call me instead of reaching out himself.
Rancita
Verified Review
Retiree rates are expensive even with minimal mileage
Reviewed in Delaware on September 7, 2025
Fair. I had them for five years and rates are getting expensive.
Karen
Verified Review
Policy not honored, left with a dead car
Reviewed in Delaware on April 23, 2025
My agent is phenomenal, but my full coverage was not upheld by State Farm’s policy that I bought into. Auto payments were on time, and I never filed a claim. Now I sit with a fairly new vehicle that will never run again due to parts that will never be manufactured again. Apparently, my full coverage doesn’t cover catastrophic explosions of faulty parts of the engine, nor what I have been suffering physically as a result of that incident that occurred while driving on the Turnpike at 65 mph with absolutely no warning signs, nor did my DIC (Dashboard Information Center) indicate that the vehicle was having major problems to warn me to get it to the dealership ASAP! Yes, I’m still with State Farm because I’m stuck with them until someone helps me with what, who, and where to go, as the car is still in a lien mode that was supposed to be paid in full in 2022. I’m afraid that I won’t get approved by any other insurance company with this situation that happened on Friday, April 7, 2023, and State Farm is still taking those monthly payments to this very day.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is a good choice for Newark drivers looking for cheap coverage. While you’ll pay more for coverage than you would with USAA, you can access several discounts that could lower your monthly auto insurance costs. Policyholders benefit from multiple safe driver discounts, as well as multi-vehicle and bundling discounts. Families with multiple insurance products can benefit from bundling discounts. The company offers savings opportunities for teenagers, too.
Pros
A++ (Superior) AM Best financial strength rating
Multiple discounts available
Cons
Slightly more expensive than USAA
Coverage costs likely to increase if you have past driving infractions
Best insurer for full coverage: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $155/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $218/mo |
4.0
Best choice in Newark, DEBased on 16,013 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Newark for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Newark for
Teen drivers
Cheap rates
Accident forgiveness
Showing 10 Delaware reviews for Newark drivers - See all 7,420 GEICO reviews
Virginia
Verified Review
Geico, Great Service, High Price
Reviewed in Delaware on March 1, 2026
Roadside service is great. Price is high. Customer service is good.
William
Verified Review
My Geico Experience
Reviewed in Delaware on February 12, 2026
Customer service is lacking. You have a better chance of driving 10 miles on any interstate and not seeing a bad driver than getting to talk to a real person. The AI is what you interact with. Prices keep going up even though I've never had a claim. Why?
Robert
Verified Review
Geico poor value compared to others.
Reviewed in Delaware on February 6, 2026
Overpriced and never contacted by an agent in the 4+ years I have been with them.
Michael
Verified Review
Paying More Than I Should Be
Reviewed in Delaware on February 6, 2026
I've never had to use them, but I seem to be paying more than I would with other companies. I'm thinking about changing.
Joy
Verified Review
Good but could be better
Reviewed in Delaware on January 19, 2026
I'm paying too much. I have received quotes that are cheaper. I would like to stay with Geico if they would bring my rates down.
Leretta
Verified Purchase
Excellent
Reviewed in Delaware on January 15, 2026
Good service.
Virginia
Verified Review
Great Insurance, Bad Price
Reviewed in Delaware on January 1, 2026
Roadside service is great. Rental car quickly provided. The bad thing is the price. Every 6 months the rates go up. I have had a perfect driving record since 1977 with no at-fault accidents, so I believe the rates should go down, not up.
Constance
Verified Review
Upsetting at the Most
Reviewed in Delaware on May 6, 2025
Shop around. Geico is totally too high, offering nothing for customers that have been with them for 20 years plus.
Brian
Verified Review
Difficult to Deal with and Overpriced
Reviewed in Delaware on April 17, 2025
Their customer service is awful. They're rude and difficult to deal with. They overcharged me for months, claiming I lived in NJ when I didn't, in an attempt to get higher rates. Every few months, they required me to send photos of my cars, bank statements, credit card statements, and copies of my vehicle registrations. Their staff is highly incompetent and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is an affordable insurance company offering auto coverage in Newark. This insurer offers a broad range of discounts for customers, and it even advertises the overall percentage discount you may receive for certain actions or vehicle features. For instance, you could save up to 25% on your monthly premiums for insuring multiple vehicles or 22% for being accident-free for five years.
Pros
16 available discounts
Below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)
Cons
Limited agent network
Gap insurance not available
How to get the cheapest car insurance in Newark
Car insurance companies look at several factors when determining your insurance rates, including your driving record, age, location, and more. If you’re looking for cheap car insurance in Newark, the following tips could help you get the quality coverage you want:
Maintain a clean driving record. You should focus on maintaining a clean record, as this will make cheap car insurance coverage more accessible to you. Obey the rules of the road, and don’t drive under the influence.
Compare coverage options. It’s wise to compare insurance coverage from top companies, as the first insurer you consider won’t necessarily offer the best rate and coverage for your needs.
Research available discounts. Discounts vary depending on the insurer, so compare available discounts as you shop around for car insurance coverage. For instance, bundling discounts are common if you buy multiple insurance products from the same insurer, such as home insurance, auto insurance, or life insurance.[6]
Find Cheap Car Insurance in Newark
Liability rates start at $80 per month
Excellent
4.7 out of 5 based on 12,427 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Newark: USAA
Drivers seeking liability-only coverage in Newark, Delaware, have several affordable options to choose from. Liability-only insurance may provide enough coverage if you have an older, high-mileage vehicle. It’s cheaper than full-coverage insurance, but it also provides less protection for your vehicle.
With a liability-only policy, your insurance will kick in if you injure another driver in an at-fault accident or damage someone else’s property. It won’t cover any of your vehicle damages or medical expenses following an accident.[1]
Liability policies in Newark cost $157 per month, on average. Here you can see a collection of average rates offered by top insurers in the area.
The below rates in Newark, DE, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $80 |
| CSAA | $86 |
| State Farm | $124 |
| National General | $135 |
| Root | $150 |
| GEICO | $155 |
| Direct Auto | $181 |
| Travelers | $190 |
| Dairyland | $203 |
| Liberty Mutual | $253 |
| Nationwide | $260 |
| Allstate | $264 |
Disclaimer: Table data sourced from real-time Newark car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newark may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Newark: USAA
Full-coverage car insurance offers more vehicle protection and financial security than liability coverage, making it a smart choice if you drive a newer vehicle. It includes collision and comprehensive coverage, which pay for your vehicle damage following an accident or non-collision incident, including vandalism, fire, and severe weather.
Full coverage is more expensive due to the added protection. Newark drivers pay a monthly average of $221 per for full-coverage policies. You can find cheap car insurance rates for full coverage below.
The below rates in Newark, DE, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $113 |
| CSAA | $128 |
| State Farm | $175 |
| Root | $217 |
| GEICO | $218 |
| National General | $235 |
| Travelers | $267 |
| Direct Auto | $274 |
| Liberty Mutual | $318 |
| Nationwide | $366 |
| Allstate | $371 |
| Dairyland | $475 |
Disclaimer: Table data sourced from real-time Newark car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newark may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Newark, Delaware
Drivers in and around Newark, Delaware have found policies from National General, Direct Auto, Root, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Newark, Delaware within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Newark, Delaware within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Delaware
Delaware isn’t a no-fault car insurance state, but it does require drivers to purchase personal injury protection (PIP) coverage in addition to the minimum liability insurance requirements. PIP coverage can pay for your medical bills following an accident — regardless of fault. But drivers can still sue an at-fault driver for damages after an automobile accident.[2]
The state also requires drivers to purchase a minimum amount of bodily injury and property damage liability insurance to cover any damage or injury they cause in an accident. You can find the specific requirements below.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 per accident |
| Personal injury protection (PIP) | $15,000 per person / $30,000 per accident |
If you prefer to have more insurance than a basic auto policy provides, you can purchase optional coverage. Common insurance add-ons include the following:
Collision coverage
Collision insurance covers damages to your car caused by a motor vehicle accident, regardless of fault.
Comprehensive coverage
If a non-collision incident damages your vehicle, comprehensive insurance can kick in. It typically applies to incidents outside of your control, like theft, vandalism, severe weather, or fire.
Uninsured/underinsured motorist coverage
If you have an accident with a driver without adequate coverage, uninsured/underinsured motorist coverage can apply.
Cheapest car insurance for drivers with an incident
People with a driving history free of at-fault accidents, speeding tickets, DUIs, or other moving violations typically earn the cheapest car insurance rates. These incidents can increase your monthly auto insurance premiums, often significantly. Your insurance company may view you as a high risk to insure and pass that cost to you in the form of higher prices.[3]
Find Car Insurance in Newark, Delaware
Shop for coverage after a driving incident
Excellent
4.7 out of 5 based on 12,427 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: USAA
You can expect to pay more for car insurance coverage in Newark, Delaware, if you have a speeding ticket on your record. If you have several speeding tickets, your insurance costs may increase even more. In general, it’s smart to avoid speeding if you want to keep your car insurance expenses low. Always pay attention to posted speed limits, and check your speedometer periodically.
Drivers in Newark with a speeding ticket pay an average of $175 per month for liability coverage and $246 for full coverage.
The below rates in Newark, DE, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $80 | $98 |
| CSAA | $86 | $103 |
| State Farm | $124 | $149 |
| National General | $135 | $159 |
| Root | $150 | $189 |
| GEICO | $155 | $192 |
| Direct Auto | $181 | $214 |
| Travelers | $190 | $233 |
| Dairyland | $203 | $239 |
| Liberty Mutual | $253 | $304 |
| Nationwide | $260 | $319 |
| Allstate | $264 | $325 |
Disclaimer: Table data sourced from real-time Newark car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newark may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Newark drivers with at-fault accidents on their record can also expect higher monthly premiums. Again, your insurance company may view you as a high risk to insure if you’ve had past accidents — especially if they resulted in costly claims. You can try lowering your premium by taking a safe driving course if your insurance company offers a related discount.
Liability insurance for Newark drivers with an accident on their record costs $225 per month, and full coverage costs $316 per month.
Here are the cheapest average car insurance rates for Newark drivers with an at-fault accident.
The below rates in Newark, DE, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $80 | $111 |
| CSAA | $86 | $130 |
| State Farm | $124 | $170 |
| National General | $135 | $187 |
| Root | $150 | $208 |
| GEICO | $155 | $210 |
| Direct Auto | $181 | $257 |
| Travelers | $190 | $266 |
| Dairyland | $203 | $279 |
| Liberty Mutual | $253 | $350 |
| Nationwide | $260 | $363 |
| Allstate | $264 | $368 |
Disclaimer: Table data sourced from real-time Newark car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newark may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
You’ll likely pay the most for car insurance coverage if you’ve received a driving under the influence charge. DUIs typically represent high levels of risk for insurance companies, so your insurance costs may increase significantly.
Newark drivers with a DUI on their record pay monthly averages of $253 for liability coverage and $356 for full coverage. Here, you can see a collection of the most affordable insurers in the area.
The below rates in Newark, DE, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $80 | $123 |
| CSAA | $86 | $132 |
| State Farm | $124 | $191 |
| National General | $135 | $208 |
| Root | $150 | $233 |
| GEICO | $155 | $237 |
| Direct Auto | $181 | $278 |
| Travelers | $190 | $292 |
| Dairyland | $203 | $312 |
| Liberty Mutual | $253 | $389 |
| Nationwide | $260 | $400 |
| Allstate | $264 | $406 |
Disclaimer: Table data sourced from real-time Newark car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newark may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your age influences how much you pay for car insurance. In general, you’ll pay the lowest rates for auto insurance coverage between your mid-30s and around when you turn 70. Rates can begin to increase slightly after age 70 due to increased physical vulnerabilities associated with aging.
Seniors drivers in Newark pay an average of $128 per month for liability coverage and $181 for full coverage. You can find the cheapest rates for senior drivers in Newark below.
The below rates in Newark, DE, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $89 | $63 |
| CSAA | $100 | $67 |
| State Farm | $134 | $95 |
| GEICO | $168 | $120 |
| Root | $177 | $122 |
| National General | $179 | $103 |
| Travelers | $207 | $147 |
| Direct Auto | $215 | $142 |
| Liberty Mutual | $259 | $206 |
| Nationwide | $272 | $193 |
| Allstate | $293 | $208 |
| Dairyland | $393 | $168 |
Disclaimer: Table data sourced from real-time Newark car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newark may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: CSAA
Teenage drivers often face expensive car insurance rates because insurers view them as high risk due to their inexperience. Teens in Newark pay an average of $268 per month for liability coverage and $378 for full coverage.
Still, if you’re a new driver seeking coverage in Newark, you can work on earning a lower rate in a few different ways:[4]
Stay on your parents’ insurance. You’ll generally pay lower monthly premiums if you stay on your parents’ auto policy instead of getting coverage on your own.
Get a safe car. Opting for a car with high safety ratings may help you get cheaper coverage. Cars with certain safety features could also earn you a discount on your policy.
Earn a good student discount. Many insurers offer good student discounts if you maintain a certain GPA.
Here, you can see the cheapest average rates for teen drivers in Newark.
The below rates in Newark, DE, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $203 | $144 |
| CSAA | $207 | $139 |
| State Farm | $330 | $234 |
| Root | $363 | $251 |
| GEICO | $379 | $269 |
| National General | $464 | $266 |
| Direct Auto | $514 | $339 |
| Travelers | $540 | $384 |
| Liberty Mutual | $543 | $432 |
| Nationwide | $696 | $495 |
| Allstate | $715 | $509 |
| Dairyland | $781 | $334 |
Disclaimer: Table data sourced from real-time Newark car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newark may vary based on the policy buyer's unique driver profile.
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Newark car insurance quotes by credit tier
Your credit history can also affect the cost of your car insurance coverage. Overall, drivers with excellent or good credit scores pay less for car insurance than people with poor credit scores. Improving your credit score could help you reduce your insurance costs.
Below are the average monthly rates for full-coverage insurance in Newark by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Newark?
Drivers in Newark pay an overall average of $189 per month for car insurance, which exceeds the national average rate of $136. And, at $178 per month for auto coverage, Delaware drivers pay more for coverage than people in some nearby states. For example, New Hampshire drivers pay just $65 per month, on average, for car insurance.
Full-coverage insurance is slightly cheaper in Newark than it is statewide, but liability-only coverage is slightly more expensive in Newark than throughout the rest of Delaware. Overall, the rates in Newark resemble the state’s average rates. Where you live in Delaware, including the city and ZIP code, can determine how much you pay for coverage.
More cities in Delaware
Drivers in other Delaware cities pay more for full-coverage insurance than drivers in Newark, on average. For instance, if you move from Newark to Wilmington, your monthly premiums could increase.
See how rates in other Delaware cities compare to average rates in Newark below.
City | Full Coverage | Liability Only |
|---|---|---|
| Dover | $216 | $154 |
| New Castle | $249 | $144 |
| Wilmington | $242 | $139 |
Disclaimer: Table data is based on real-time Newark quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Newark car insurance FAQs
Deciding on the right kind of car insurance policy — and how much coverage you need — is crucial when shopping around for auto coverage. The information below should answer your remaining questions and help you navigate the process of buying car insurance in Newark.
How much is car insurance in Newark, Delaware?
Car insurance in Newark costs an average of $189 per month. On average, drivers in the city pay $157 per month for liability insurance and $221 for full-coverage insurance. Your specific rate will depend on your age, credit history, driving record, insurer, marital status, gender, and more.
Which company has the cheapest car insurance in Newark?
USAA offers the cheapest car insurance in Newark, with liability rates starting at $80 per month. CSAA and State Farm also offer low rates in the area, at $86 and $124 per month, respectively.
What are the best car insurance companies in Newark?
With an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Newark. Other top insurers include USAA and GEICO.
What are the penalties for driving without insurance in Delaware?
If you’re caught driving while uninsured in Delaware, you’ll face a fine of at least $1,500 for your first offense as well as a six-month suspension of your driver’s license. Additional offenses within three years of the initial offense result in a fine of $3,000 and suspension of your driver’s license.[5]
Can you insure a car in your name if you don’t own it in Delaware?
You typically can’t insure a car in your name if you don’t own it. But you can purchase a non-owner car insurance policy to provide liability coverage if you have an accident while driving a vehicle you don’t own.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- NOLO. "Delaware Car Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Background On: Teen drivers."
- Delaware Department of Motor Vehicles. "Vehicle Liability Insurance FAQs."
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022, and has written hundreds of empowering, informative articles on insurance topics.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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